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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Utah
Below are three-year CD Rates from banks in Utah. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
UT - July 30, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.15% |
$500 |
- |
Learn More
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Rate History: 4.00% → 4.00% → 3.75% → 4.00% → 4.15% |
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JBaker65 | May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More |
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4.15% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 365 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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4.00% |
$0 |
- |
Learn More
|
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Rate History: 4.15% → 4.00% → 3.90% → 3.75% → 4.00% |
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mcriss | Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More |
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|
4.00% |
$25,000 |
- |
Learn More
|
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Rate History: 3.56% → 4.16% → 4.00% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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|
4.00% |
$1,500 |
- |
Learn More
|
|
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Early withdrawal penalty is 180 days interest. |
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m abram | Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More |
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|
3.97% |
$1,000 |
- |
Learn More
|
|
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Early Withdrawal Penalty is 360 days interest. |
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|
Beenthere | Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More |
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|
3.95% |
$5,000 |
- |
Learn More
|
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Early Withdrawal penalty is 6 Months' interest. |
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jp2 | Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More |
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3.95% |
$25,000 |
- |
Learn More
|
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
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|
3.91% |
$500 |
- |
Learn More
|
|
|
Rate History: 3.00% → 4.45% |
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|
Richard | Jul 1, 2022 Very easy opening process and wonderful staff. Read More |
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|
3.90% |
$500 |
- |
Learn More
|
|
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Rate History: 3.90% → 3.60% → 3.65% → 4.00% → 3.90% |
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A Terkowitz | Feb 15, 2024 best bank on the list but no longer the most competitive Read More |
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|
3.80% |
$1,000 |
- |
Learn More
|
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Early Withdrawal Penalty is 180 days interest. |
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Yat 1965 | Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More |
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|
3.77% |
$10,000 |
- |
Learn More
|
|
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Warning: Early Withdrawal Penalty is 2% of principal. |
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|
Hello VirtualBank? | Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More |
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3.75% |
$1,000 |
- |
Learn More
|
|
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Early Withdrawal Penalty is 180 days interest. |
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|
Savvysaver | Jun 26, 2020 Rate not current Read More |
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|
3.75% |
$500 |
- |
Learn More
|
|
|
Rate History: 3.65% → 3.85% → 3.75% → 3.65% → 3.75% |
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TJK | Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More |
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|
3.60% |
$0 |
- |
Learn More
|
|
|
Rate History: 3.00% → 3.60% |
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Chris | Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More |
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3.60% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 5.10% → 0.55% → 2.50% → 4.00% → 3.60% |
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Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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3.50% |
$1,000 |
- |
Learn More
|
|
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Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. |
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smithy1968 | Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More |
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3.50% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50% |
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AVOID_ READ_CAREFULLY | Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More |
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|
3.50% |
$0 |
- |
Learn More
|
|
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Rate History: 4.00% → 3.60% → 3.50% → 3.40% → 3.50% |
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Rad | Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More |
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|
3.50% |
$0 |
- |
Learn More
|
|
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Early Withdrawal Penalty is 6 months interest. |
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NS123 | Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More |
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3.50% |
$2,500 |
- |
Learn More
|
|
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Early Withdrawal Penalty is 180 days interest. |
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overdrawn | Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More |
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3.50% |
$500 |
- |
Learn More
|
|
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Rate History: 2.75% → 2.75% → 3.50% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.50% |
$0 |
- |
Learn More
|
|
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Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50% |
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highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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3.50% |
$500 |
- |
Learn More
|
|
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Rate History: 4.00% → 3.75% → 3.50% |
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Mike Brown | Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More |
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|
3.45% |
$500 |
- |
Learn More
|
|
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Rate History: 1.00% → 2.70% → 4.00% → 3.70% → 3.45% |
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|
3.40% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40% |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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|
3.40% |
$500 |
- |
Learn More
|
|
|
Rate History: 3.10% → 3.40% |
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JohnC | Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More |
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|
3.36% |
$1,000 |
- |
Learn More
|
|
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3.30% |
$50,000 |
- |
Learn More
|
|
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Geoffrey Christopher 1 | Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More |
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3.30% |
$500 |
- |
Learn More
|
|
|
3.25% |
$0 |
- |
Learn More
|
|
|
Rate History: 3.25% → 3.60% → 3.25% |
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lrcbob | Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More |
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|
3.25% |
$5,000 |
- |
Learn More
|
|
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Rate History: 3.10% → 2.85% → 3.50% → 3.25% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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|
3.14% |
$500 |
- |
Learn More
|
|
|
Gary Smith | Jan 28, 2025 4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More |
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|
3.00% |
$500 |
- |
Learn More
|
|
|
Rate History: 0.15% → 4.50% → 4.35% → 3.50% → 3.00% |
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|
Dudley | Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More |
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|
3.00% |
$0 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest. |
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LenaL | May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More |
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3.00% |
$5,000 |
- |
Learn More
|
|
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Early Withdrawal Penalty is 12 months interest. |
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|
3.00% |
$1,000 |
- |
Learn More
|
|
|
3.00% |
$500 |
- |
Learn More
|
|
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Early Withdrawal Penalty is 18 months interest. |
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|
2.85% |
$5,000 |
- |
Learn More
|
|
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james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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2.75% |
$0 |
- |
Learn More
|
|
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Early Withdrawal Penalty is 180 days interest. |
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|
Jenny Kingston | Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More |
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2.70% |
$25,000 |
- |
Learn More
|
|
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Early Withdrawal Penalty is 180 days interest. |
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Az1 | Aug 26, 2022 Too slow to raise rates. Read More |
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2.65% |
$1,000 |
- |
Learn More
|
|
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Rate History: 1.00% → 2.75% → 2.65% |
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ruler009 | May 26, 2017 Before009 Read More |
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2.53% |
$1,000 |
- |
Learn More
|
|
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Rate History: 3.05% → 2.53% |
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2.50% |
$1,000 |
- |
Learn More
|
|
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Early Withdrawal Penalty in 180 days interest. |
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J Dally | Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More |
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2.25% |
$1,000 |
- |
Learn More
|
|
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Early Withdrawal Penalty in 180 days interest. |
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not perfect but | Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More |
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2.00% |
$10,000 |
- |
Learn More
|
|
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LarryMass | Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More |
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2.00% |
$0 |
- |
Learn More
|
|
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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2.00% |
$0 |
- |
Learn More
|
|
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Rate History: 1.98% → 2.00% |
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Stella | Apr 30, 2019 No issues. I feel confident using them. Read More |
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2.00% |
$10,000 |
- |
Learn More
|
|
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.70% |
$1,000 |
- |
Learn More
|
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1.70% |
$1,000 |
- |
Learn More
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1.55% |
$1,000 |
- |
Learn More
|
|
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Rate History: 2.75% → 2.55% → 1.55% |
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RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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1.50% |
$1,000 |
- |
Learn More
|
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1.30% |
$1,000 |
- |
Learn More
|
|
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Rate History: 2.75% → 2.55% → 1.30% |
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Azblondie007 | Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More |
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|
1.11% |
$10,000 |
- |
Learn More
|
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bws/esc | Apr 27, 2023 have had 3 cd accounts. all interactions with instructions for disposition of funds were never exactly enacted as discussed and requests for confirmatory emails never sent with details as terms discussed. ... Read More |
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1.10% |
$10,000 |
- |
Learn More
|
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1.00% |
$10,000 |
- |
Learn More
|
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0.95% |
$100,000 |
- |
Learn More
|
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0.85% |
$500 |
- |
Learn More
|
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BW | Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More |
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0.85% |
$1,000 |
- |
Learn More
|
|
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0.85% |
$10,000 |
- |
Learn More
|
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0.70% |
$100,000 |
- |
Learn More
|
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CatAnn | Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More |
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0.65% |
$10,000 |
- |
Learn More
|
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Danish Sunshine | Aug 3, 2017 BoU's Bountiful branch on 5th W 1st S today had a sign posted outside listing CDs at 3.00% for 12 mos and 4.75% for 60 mos. However, no one would answer or return calls at this branch and the bank's Roy br... Read More |
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0.65% |
$10,000 |
- |
Learn More
|
|
|
CatAnn | Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More |
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|
0.60% |
$10,000 |
- |
Learn More
|
|
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CatAnn | Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More |
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|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.40% |
$1,000 |
- |
Learn More
|
|
|
RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
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0.25% |
$10,000 |
- |
Learn More
|
|
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UtahJazz1 | Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More |
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0.25% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 2.75% → 0.25% |
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|
dbestway@gmail.com | Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More |
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|
0.20% |
$1,000 |
- |
Learn More
|
|
|
wertlkgt | Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More |
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|
0.20% |
$1,000 |
- |
Learn More
|
|
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jim | Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More |
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0.15% 0.10% |
$1 $0 |
- |
Learn More
|
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Austin | Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More |
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0.15% |
$10,000 |
- |
Learn More
|
|
|
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15% |
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|
Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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|
0.10% |
$500 |
- |
Learn More
|
|
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.05% |
$500 |
- |
Learn More
|
|
|
0.05% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 0.02% → 0.05% |
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|
Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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|
0.03% |
$25,000 |
- |
Learn More
|
|
|
GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
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|
0.03% |
$100,000 |
- |
Learn More
|
|
|
Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates