Utah CD Rates | 1-Month to 5-Year CDs for Utah Consumers with Good Credit Histories

Defined by its vast expanses of desert and mountain peaks, Utah is one of the most geographically unique states in the country.

If you live in Salt Lake City, Provo, Ogden, West Jordan, or any other city in Utah, you are most likely aware of the importance of comparison research when it comes to finding the best and highest CD rates in Utah.

The below rate table provides a comparison of the best financial offers and rates in Utah for consumers to consider taking advantage of this year.

Best CD Rates in Utah

Moab, UT

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Which Utah City Are You Located In?

Below is a list of the largest cities in Utah. Click here to go to the Utah rates table displayed above to see current rates and products from leading financial institutions across the state.

Biggest Cities in Utah

Population (2016)

Salt Lake City193,744
West Valley City136,574
West Jordan113,699
St. George82,318
South Jordan69,034

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List of Available Certificate of Deposits in Utah

Below are the savings accounts that you can find CD rates in Utah for:

  • 1-year CD
  • 1-month CD
  • 3-month CD
  • 6-month CD
  • 9-month CD
  • 1-year jumbo CD
  • 2-year CD
  • 3-year CD
  • 5-year CD
  • 5-year jumbo CD

Early Withdrawal Penalties

Even if you find the best CD rates in Utah, they won’t do you much good if you withdraw your funds early from a CD.

Of course, to get the most out of Utah CDs, withdrawing money before the account has matured is not a good idea. However, there may be cases where an early withdrawal is necessary, such as a family or financial emergency.

Even if you don’t plan on withdrawing early, it’s good to understand your bank’s policies on early withdrawal penalties just in case you need to make one.

Utah CDs will have varying early withdrawal penalties, often worth several months of interest from the total term of the CD.

However, it is possible that a withdrawal penalty could include some of the principal balance, which means that you could potentially lose money by withdrawing funds early.

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High Yield Savings Rates vs Best CD Rates in Utah

When looking for the best CD rates in Utah, it’s important to weigh your options for the best CD rates in Utahpolis, Fort Wayne, Carmel, and more.

Of course, it is possible that even the best Utah CD rates may not fit your financial needs or goals. Luckily, there are other savings options for consumers aside from Utah CDs. 

For a higher interest rate, you might want to consider high-yield savings accounts in Utah,  since some online high-yield savings accounts offer much higher rates than CD rates in Utah.

Conclusion: Finding the Best CD Rates in Utah

No matter what type of account you choose, a CD can be a great option for consumers that struggle with keeping their savings intact long enough for their account to grow.

Consider your financial goals, your current savings plan, and the best CD rates in Utah to choose the best savings account for your personal financial goals.

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Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.