West Valley City, Utah Best CD Rates November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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West Valley City, Utah CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of November 13, 2026. Current West Valley City, Utah CD rates include Mountain America Federal Credit UnionMountain America Federal Credit Union2958 S 5600 W, West Valley City, UT 84120 1310A5.0 ★Texas Ratio: 9.78%Real return: +1.30%APY minus CPIRate verified Nov 13, 2026 offering 60 Month Certificate at 5.00% APY, Cyprus Federal Credit UnionCyprus Federal Credit Union3432 W 3500 S, West Valley City, UT 84119A+5.0 ★Texas Ratio: 2.73%Real return: +0.95%APY minus CPIRate verified Nov 13, 2026 offering 18 Month Promotional Certificate at 4.65% APY, America First Federal Credit UnionAmerica First Federal Credit Union3253 W 3500 S, West Valley City, UT 84119 2631A5.0 ★Texas Ratio: 8.33%Real return: +0.90%APY minus CPIRate verified Nov 13, 2026 offering 60 Month Regular Certificate Account at 4.60% APY, American United Federal Credit UnionAmerican United Federal Credit Union5688 W Parkway Blvd, West Valley City, UT 84128A5.0 ★Texas Ratio: 7.55%Real return: +0.80%APY minus CPIRate verified Nov 12, 2026 offering 24-month Certificate - GoldStar at 4.50% APY, and Deseret First Federal Credit UnionDeseret First Federal Credit Union3999 W Parkway Blvd, West Valley City, UT 84120A5.0 ★Texas Ratio: 6.76%Real return: +0.80%APY minus CPIRate verified Nov 13, 2026 offering 24 Month IRA Jumbo Share Certificates at 4.50% APY. CD rates as of November 13, 2026 according to verified data from MonitorBankRates.
West Valley City has 64 local institutions in our database, with CD rates as high as 5.00% APY from Mountain America Federal Credit Union at 2958 S 5600 W, West Valley City, UT 84120 1310. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Utah area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: November 13, 2026
Compare Best CD Rates in West Valley City, Utah & the Surrounding Area
West Valley City 3 Month CD Rates
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.92%, APY 4.00%
Minimum account balance of $2,500; APY assumes interest remains on deposit until maturity; withdrawal will reduce earnings; Rates as of 10/23/2026
Retirement CD (IRA); fixed rate; automatically renews at maturity
$500.00 minimum
Personal and Business minimum deposit $500 (Youth $10)
Balance: under $100k; Limited time special offer; Annual Percentage Yield effective as of 11/10/2026; Restrictions apply; Not available for individual retirement or business accounts; Penalty for early withdrawal
Paid Monthly
Withdrawals: Allowed--Ask Credit Union
Deposit money to the balance at any time
West Valley City 6 Month CD Rates
GoldStar membership rate; additional requirements apply for GoldStar membership; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
Share Certificates require an initial deposit of at least $500
- Oct 19, 20264.00%▲ from 3.95%
- Sep 25, 20263.95%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Minimum balance $75,000.00 to earn advertised APY
- Oct 29, 20263.95%▲ from 3.90%
- Oct 13, 20263.90%first recorded
Minimum balance to open and earn advertised APY: $75,000
- Oct 26, 20263.95%▲ from 3.90%
- Oct 13, 20263.90%first recorded
Regular & IRA minimum balance $500; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Oct 4, 20263.15%▲ from 3.05%
- Sep 20, 20263.05%first recorded
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
- Nov 11, 20264.45%▲ from 4.30%
- Oct 20, 20264.30%▼ from 4.40%
- Oct 14, 20264.40%first recorded
Certificates of deposit; Effective as of November 10, 2026
- Nov 11, 20264.40%▲ from 4.30%
- Oct 7, 20264.30%first recorded
Effective as of November 10, 2026
- Nov 11, 20264.40%▲ from 4.30%
- Oct 14, 20264.30%first recorded
Early withdrawal penalties may apply
- Nov 11, 20264.40%▲ from 4.30%
- Oct 31, 20264.30%first recorded
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
Maximum opening deposit amount of $500,000.00; early withdrawal penalty may apply; CD automatically renews at then-offered rate
- Oct 23, 20264.40%▲ from 4.30%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
West Valley City 12 Month CD Rates
GoldStar membership rate; additional requirements apply for GoldStar membership; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.15%▲ from 4.00%
- Oct 12, 20264.00%first recorded
Regular & IRA minimum balance $500; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.05%▲ from 3.90%
- Sep 12, 20263.90%first recorded
Share Certificates require an initial deposit of at least $500
- Oct 19, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Minimum balance $75,000.00 to earn advertised APY
- Oct 29, 20264.05%▲ from 3.95%
- Oct 13, 20263.95%first recorded
Minimum balance to open and earn advertised APY: $75,000
- Oct 26, 20264.05%▲ from 3.95%
- Oct 13, 20263.95%first recorded
- Oct 4, 20263.27%▲ from 3.10%
- Sep 20, 20263.10%first recorded
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Maximum $10,000; Automatic Renewal; Paid End of Term
- Oct 26, 20264.65%▲ from 4.60%
- Oct 14, 20264.60%first recorded
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
Advertised APY may change after maturity; applies to personal accounts only; accurate as of 11/10/2026; early withdrawal penalty applies
- Nov 11, 20264.60%▲ from 4.40%
- Oct 14, 20264.40%first recorded
- Nov 11, 20264.60%▲ from 4.50%
- Oct 26, 20264.50%▲ from 4.40%
- Oct 14, 20264.40%first recorded
West Valley City 18 Month CD Rates
Promotional rate, Traditional Certificates only; $5,000 minimum opening balance and $5,000 balance required to earn APY; opening balance must be new money; not available for Dream Certificates; automatically renews to standard 18-month certificate
Promotional rate for Traditional Certificates only; entire opening balance must be new money; automatically renews to a standard 18-month certificate at the dividend rate in effect; not eligible for bump rate increases
GoldStar membership rate; additional requirements apply for GoldStar membership; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.25%▲ from 4.00%
- Oct 12, 20264.00%first recorded
Regular & IRA minimum balance $500; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.15%▲ from 3.90%
- Sep 12, 20263.90%first recorded
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Share Certificates require an initial deposit of at least $500
- Oct 19, 20264.10%▲ from 4.05%
- Sep 14, 20264.05%first recorded
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
Advertised APY may change after maturity; applies to personal accounts only; accurate as of 11/10/2026; early withdrawal penalty applies
- Nov 11, 20264.65%▲ from 4.40%
- Oct 14, 20264.40%first recorded
- Nov 11, 20264.65%▲ from 4.50%
- Oct 26, 20264.50%▲ from 4.40%
- Oct 14, 20264.40%first recorded
Certificate Specials; Promotional certificate for a limited time only; Dividend Rate 4.51%, APY 4.60%
- Oct 26, 20264.60%▲ from 4.50%
- Oct 6, 20264.50%first recorded
No minimum deposit to open.
- Oct 26, 20264.50%▲ from 4.40%
- Oct 20, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Early withdrawal penalty applies; Available as an IRA High Yield CD
West Valley City 24 Month CD Rates
Share Certificates require an initial deposit of at least $500
- Nov 3, 20264.65%▲ from 4.45%
- Oct 19, 20264.45%▲ from 4.25%
- Sep 14, 20264.25%first recorded
GoldStar membership rate; additional requirements apply for GoldStar membership; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.50%▲ from 4.00%
- Oct 12, 20264.00%first recorded
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Minimum balance $75,000.00 to earn advertised APY
- Oct 29, 20264.50%▲ from 4.25%
- Oct 13, 20264.25%first recorded
Minimum balance to open and earn advertised APY: $75,000
- Oct 26, 20264.50%▲ from 4.25%
- Oct 13, 20264.25%first recorded
Regular & IRA minimum balance $500; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.40%▲ from 3.90%
- Sep 12, 20263.90%first recorded
A penalty may be applied for early withdrawal. Rates effective as of October 20, 2026.
- Oct 4, 20263.19%▼ from 3.20%
- Sep 20, 20263.20%first recorded
- Nov 11, 20264.95%▼ from 5.05%
- Oct 26, 20265.05%▲ from 5.00%
- Oct 14, 20265.00%first recorded
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
- Nov 11, 20264.70%▲ from 4.50%
- Oct 26, 20264.50%▲ from 4.40%
- Oct 14, 20264.40%first recorded
Featured rate; Open Account
- Nov 9, 20264.55%▲ from 4.40%
- Oct 10, 20264.40%▲ from 4.25%
- Oct 6, 20264.25%first recorded
West Valley City 36 Month CD Rates
Share Certificates require an initial deposit of at least $500
- Oct 19, 20264.40%▲ from 4.20%
- Sep 25, 20264.20%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Minimum balance $75,000.00 to earn advertised APY
- Oct 29, 20264.35%▲ from 4.15%
- Oct 13, 20264.15%first recorded
Minimum balance to open and earn advertised APY: $75,000
- Oct 26, 20264.35%▲ from 4.15%
- Oct 13, 20264.15%first recorded
GoldStar membership rate; additional requirements apply for GoldStar membership; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.25%▲ from 4.00%
- Oct 12, 20264.00%first recorded
Regular & IRA minimum balance $500; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.15%▲ from 3.90%
- Sep 12, 20263.90%first recorded
- Oct 4, 20262.99%▼ from 3.30%
- Sep 20, 20263.30%first recorded
- Nov 11, 20264.95%▼ from 5.15%
- Oct 26, 20265.15%▲ from 5.10%
- Oct 14, 20265.10%first recorded
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
- Nov 11, 20264.75%▲ from 4.60%
- Oct 26, 20264.60%▲ from 4.45%
- Oct 14, 20264.45%first recorded
- Nov 11, 20264.75%▲ from 4.60%
- Oct 26, 20264.60%▲ from 4.45%
- Oct 20, 20264.45%first recorded
Interest paid monthly; fixed until CD renews; penalties for early withdrawal
- Nov 11, 20264.60%▲ from 4.40%
- Oct 14, 20264.40%first recorded
Certificates of deposit; Effective as of November 10, 2026
West Valley City 48 Month CD Rates
Share Certificates require an initial deposit of at least $500
- Oct 19, 20264.45%▲ from 4.25%
- Sep 25, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Minimum balance $75,000.00 to earn advertised APY
- Oct 29, 20264.40%▲ from 4.20%
- Oct 13, 20264.20%first recorded
Minimum balance to open and earn advertised APY: $75,000
- Oct 26, 20264.40%▲ from 4.20%
- Oct 13, 20264.20%first recorded
GoldStar membership rate; additional requirements apply for GoldStar membership; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.25%▲ from 4.00%
- Oct 12, 20264.00%first recorded
Regular & IRA minimum balance $500; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.15%▲ from 3.90%
- Sep 12, 20263.90%first recorded
- Oct 4, 20263.07%▼ from 3.40%
- Sep 20, 20263.40%first recorded
- Nov 11, 20264.95%▼ from 5.20%
- Oct 14, 20265.20%first recorded
APY current as of 10/30/2026; $25,000 minimum deposit in a single transaction
Rate effective November 07, 2026
- Nov 7, 20264.50%▲ from 4.40%
- Oct 29, 20264.40%▲ from 4.30%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
$250,000 Minimum Deposit; Rate Effective Date: November 07, 2026
Interest paid monthly; fixed until CD renews; penalties for early withdrawal
Minimum Balance: $2,000
West Valley City 60 Month CD Rates
- Nov 8, 20265.00%▲ from 4.50%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Dividend rate 4.51%; Min. earning balance $500.00; Dividends credited monthly
- Oct 26, 20264.60%▲ from 4.50%
- Oct 5, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Dividends credited monthly; additional deposits up to $10,000 each calendar month allowed
- Oct 29, 20264.60%▲ from 4.50%
- Oct 13, 20264.50%first recorded
Share Certificates require an initial deposit of at least $500
- Oct 19, 20264.50%▲ from 4.30%
- Sep 25, 20264.30%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Minimum balance $75,000.00 to earn advertised APY
- Oct 29, 20264.50%▲ from 4.30%
- Oct 13, 20264.30%first recorded
Minimum balance to open and earn advertised APY: $75,000
- Oct 26, 20264.50%▲ from 4.30%
- Oct 13, 20264.30%first recorded
- Oct 26, 20264.45%▲ from 4.35%
- Oct 19, 20264.35%first recorded
GoldStar membership rate; additional requirements apply for GoldStar membership; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.25%▲ from 4.00%
- Oct 12, 20264.00%first recorded
Regular & IRA minimum balance $500; Dedicated Saver minimum $5; early withdrawal penalty 180 days of dividends
- Nov 7, 20264.15%▲ from 3.90%
- Sep 12, 20263.90%first recorded
- Oct 4, 20263.15%▼ from 3.50%
- Sep 20, 20263.50%first recorded
- Nov 11, 20265.00%▼ from 5.25%
- Oct 14, 20265.25%first recorded
- Oct 26, 20265.00%▲ from 4.50%
- Oct 14, 20264.50%first recorded
- Oct 26, 20265.00%▲ from 4.50%
- Oct 20, 20264.50%first recorded
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
West Valley City, UT CD Rate Trends
Compare local West Valley City, UT CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Utah 12-month CD rates fell 0.004 points over the past 7 days to 3.884% APY.
Utah 6-month CD rates rose 0.006 points over the past 7 days to 3.777% APY.
UT CD Rate Forecast, Next 12 Months
Where are Utah CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at UT CD Rates Today
Annual interest earnings at today’s Utah average APYs. State average used where available; national average as fallback.
| CD Term | UT Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.544% | $127.20 | $254.39 | $635.98 | $1,271.95 |
| 6-Month CD | 3.777% | $188.85 | $377.70 | $944.25 | $1,888.50 |
| 12-Month CD | 3.884% | $194.19 | $388.37 | $970.93 | $1,941.85 |
| 18-Month CD | 3.977% | $198.84 | $397.67 | $994.18 | $1,988.35 |
| 24-Month CD | 3.925% | $196.26 | $392.52 | $981.30 | $1,962.60 |
| 36-Month CD | 3.832% | $191.62 | $383.23 | $958.08 | $1,916.15 |
| 48-Month CD | 3.776% | $188.78 | $377.55 | $943.88 | $1,887.75 |
| 60-Month CD | 3.884% | $194.22 | $388.44 | $971.10 | $1,942.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 13, 2026. | |||||
Sample CD Ladder for West Valley City, Utah Savers
$25,000 split equally across 5 terms using today’s Utah average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | UT Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.544% | $127.20 |
| 2 | 6-Month CD | $5,000 | 3.777% | $188.85 |
| 3 | 12-Month CD | $5,000 | 3.884% | $194.19 |
| 4 | 24-Month CD | $5,000 | 3.925% | $196.26 |
| 5 | 36-Month CD | $5,000 | 3.832% | $191.62 |
| Total ($25,000 invested) | $25,000 | 3.592% blended | $898.12/yr | |
Ladder example uses equal $5,000 rungs and Utah average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in West Valley City, Utah
About Our West Valley City, Utah CD Rate Database
MonitorBankRates tracks 712 CD rates from 33 banks and 50 credit unions with locations in West Valley City, Utah, plus national online institutions available to Utah residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Mountain America Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in West Valley City, Utah.
How to Find the Best CD Rates in West Valley City, Utah
What to compare when shopping for a CD in West Valley City, Utah
To find the best APYs in West Valley City, Utah, start with credit unions and online-only banks: West Valley City, Utah has 50 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in West Valley City, Utah
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in West Valley City, Utah: 83 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare West Valley City, Utah savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare West Valley City, Utah money market rates
Utah Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
11.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy. At today’s UT 12-month CD average of 3.884%, saving 10% of the local median salary ($4,371/year) and putting it in a CD would earn an additional $170 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in West Valley City, Utah
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in West Valley City, Utah typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in West Valley City, Utah as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give West Valley City, Utah savers easier access to their funds. For example, American United Federal Credit Union is offering its 6-month Certificate - GoldStar at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mountain America Federal Credit Union is offering its 60 Month Certificate at 5.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a West Valley City, Utah saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the West Valley City, Utah CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting a West Valley City, Utah depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in West Valley City, Utah
What are CD rates in West Valley City, Utah today?
Are CD rates in West Valley City, Utah FDIC insured?
Do I have to pay state taxes on CD interest in West Valley City, Utah?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in West Valley City, Utah?
- Mountain America Federal Credit Union: 5.00% APY (60 Month Certificate)
- Cyprus Federal Credit Union: 4.65% APY (18 Month Promotional Certificate)
- America First Federal Credit Union: 4.60% APY (60 Month Regular Certificate Account)
- American United Federal Credit Union: 4.50% APY (24-month Certificate - GoldStar)
- Deseret First Federal Credit Union: 4.50% APY (24 Month IRA Jumbo Share Certificates)
- First Utah Bank: 4.00% APY (Promotional CD - 24 month)
- Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
- Morgan Stanley: 5.00% APY (60 Month Preferred Certificate of Deposit (CD))
- Sallie Mae: 5.00% APY (Certificate of Deposit - 60 months)
- P&S Credit Union: 5.00% APY (12 Month Certificate - STUDENT Accounts)
West Valley City, Utah CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current West Valley City, Utah rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for West Valley City, Utah
At today’s UT top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
West Valley City, Utah CD LadderUT CD rates currently range from 2.544% (3-month) to 3.832% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a West Valley City, Utah CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsUtah’s average 12-month CD is 3.884% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our West Valley City, Utah CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for West Valley City, Utah directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in West Valley City, Utah. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in UT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
West Valley City, Utah Rates & Resources
