3 Year CD Rates in Utah
Compare 3 year certificate of deposit rates in Utah. Rates on CD products can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of three year CD rates available in Utah. If we have missed a local bank in your area please contact us and let us know by using the email link below
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Start SavingCIT Bank 3 Year Term CDAPY 1.42% Min $1k Max N/A Earnings Est. $1,080
Sponsored Note: Save On Your Terms: You Choose, You Save. FDIC InsuredStart SavingAlly Bank High Yield 3 Year CDAPY 1.30% Min N/A Max N/A Earnings Est. $988
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 36 Month CDAPY 0.90% Min N/A Max N/A Earnings Est. $683
Sponsored Note: 
Sponsored Note: Save On Your Terms: You Choose, You Save. FDIC InsuredStart SavingAlly Bank High Yield 3 Year CDAPY 1.30% Min N/A Max N/A Earnings Est. $988Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 36 Month CDAPY 0.90% Min N/A Max N/A Earnings Est. $683Sponsored Note: 
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Christian Community Credit Union | 2.00% | $1k | $250k | $1,535 | 36 - 47 Month Kingdom Builder Certificates - New Money Only | |
| Melrose Credit Union | 1.76% | $5k | - | $1,343 | 3 Year Share Certificate | |
| Wings Financial Credit Union | 1.71% | $500 | - | $1,305 | 3 Year Dividend Paid Monthly Share Certificate | |
| Air Force Federal Credit Union | 1.55%* | $25k | - | $1,181 | 3 Year CD | |
| AmTrustDirect | 1.55% | - | - | $1,184 | 36 Month CD | |
| Utah Credit Union | 1.54% | $25k | - | $1,176 | 36 Month CD | |
| American Airlines Credit Union | 1.51% | $10k | - | $1,150 | 36 Month CD | |
| Self-Help Credit Union | 1.51% | $500 | - | $1,153 | 36 Month CD | |
| Alliant Credit Union | 1.50% | $1k | - | $1,145 | 36 - 47 Month Share CD | |
| RiverLand Credit Union | 1.50% | $1k | - | $1,142 | 36 Month Certificate | |
| Security Service Federal Credit Union | 1.50%*† | $25k | - | $1,142 | 3 Year CD | |
| Doral Bank | 1.50% | $1k | - | $1,145 | 36 Month Certificate | |
| Hanscom Credit Union | 1.45% | $1k | - | $919 | 30 to 59 Month CD | |
| Barclays | 1.45% | - | - | $1,106 | 36 Month Online CD | |
| CIT Bank | 1.42% | $1k | - | $1,080 | 3 Year Term CD | |
| Start SavingSponsored Note: Save On Your Terms: You Choose, You Save. FDIC Insured | ||||||
| Andrews Federal Credit Union | 1.41% | $1k | - | $1,072 | 36 Month CD | |
| Northwest Federal Credit Union | 1.40%* | $25k | - | $1,065 | 3 Year CD | |
| RTN Federal Credit Union | 1.40%* | $1k | - | $1,065 | 36 Month CD | |
| Washington Federal Savings | 1.40%* | $1k | $250k | $1,065 | 36 - 47 Month CD | |
| Justice Federal Credit Union | 1.40%* | $500 | - | $1,065 | 36 Month CD | |
| Third Federal | 1.40%† | $500 | - | $1,098 | 37 Month CD Special | |
| Digital Credit Union | 1.35% | $25k | - | $1,029 | Jumbo 36 - 47 Month Certificate - Relationship Rate | |
| Navy Federal Credit Union | 1.35%* | $20k | - | $1,026 | 3 Year CD | |
| Goldwater Bank | 1.34% | $5k | - | $1,019 | 3 Year CD | |
| USAA Bank | 1.31% | $1k | $95k | $995 | 3 Year CD - Standard | |
| United States Senate Credit Union | 1.31%* | $20k | $100k | $998 | 36 Month Smart CD | |
| Virtual Bank | 1.31% | $10k | - | $995 | 3 Year eCD | |
| Ally Bank | 1.30% | - | - | $988 | High Yield 3 Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC | ||||||
| Fort Knox Federal Credit Union | 1.30% | $500 | - | $990 | 36 Month CD | |
| Geauga Savings Bank | 1.30% | $1k | - | $990 | 36 Month CD | |
| MetLife Bank | 1.30% | $2k | - | $990 | 36 Month CD | |
| Hudson City Savings Bank | 1.30%† | $500 | - | $988 | 3 Year CD | |
| Sallie Mae Bank | 1.30% | - | - | $988 | 36-Month CD | |
| Stillwater National Bank | 1.30%*† | $10k | - | $988 | 36 Month CD | |
| Operating Engineers Local Union #3 Credit Union | 1.30%* | $10k | - | $990 | 36 Month Member Rewards CD | |
| Broadway Federal Bank | 1.26% | $500 | - | $960 | 36 Month Manager's Special CD | |
| State Bank of India | 1.26%† | - | - | $957 | 3 Year CD | |
| Air Academy Federal Credit Union | 1.25% | $10k | - | $952 | 36 Month CD | |
| H&R Block Bank | 1.25% | $250 | - | $952 | 36 Month CD | |
| OneWest Bank | 1.25% | $1k | - | $949 | 3 Year Online CD | |
| OneUnited Bank | 1.25% | $1k | - | $949 | UNITY 3 Year CD | |
| Patriot Bank | 1.25% | $1k | - | $952 | 36 Month CD | |
| Pentagon Federal Credit Union | 1.25% | $1k | - | $949 | 3 Year Money Market Cerificate | |
| Nationwide Bank | 1.25%* | - | - | $952 | 36 Month CD | |
| Jacksonville Bank | 1.25% | $1k | - | $952 | 36 - 59 Month CD | |
| Colorado Federal Savings Bank | 1.25% | $5k | - | $949 | 3 Year CD | |
| First National Bank (LA) | 1.25% | - | - | $949 | 36 Month CD | |
| Mcgraw Hill Credit Union | 1.25% | $10k | - | $952 | 36 Month CD | |
| First Savings Bank Northwest | 1.23% | $25k | - | $936 | 36 Month CD | |
| Garden Savings Federal Credit Union | 1.21% | $500 | - | $919 | 3 Year Share Certificate | |
| North American Savings Bank | 1.21% | $10k | - | $919 | 36 - 47 Month CD with Checking | |
| Agriculture Federal Credit Union | 1.20% | $1k | - | $913 | 36 Month Share Certificate | |
| First Internet Bank of IN | 1.20% | $1k | - | $913 | 36 Month CD | |
| Heritage Bank | 1.20% | $25k | - | $913 | 36 Month CD | |
| Lockheed Federal Credit Union | 1.20% | $1k | - | $913 | 36 Month CD | |
| KeySource Commercial Bank | 1.20% | $100 | - | $911 | 36 Month CD | |
| Firstmark Credit Union | 1.20% | $500 | - | $911 | 3 Year Regular CD | |
| Quantum National Bank | 1.20% | $1k | - | $913 | 36 Month Relationship CD | |
| AIG Bank | 1.15% | - | - | $875 | 36 Month CD | |
| Ascencia Bank | 1.15% | $500 | $97k | $872 | 3 Year CD | |
| Bank of Internet USA | 1.15% | $1k | - | $875 | 36 Month CD | |
| Delta Community Credit Union | 1.15% | $5k | - | $875 | 36 Month CD | |
| Affinity Credit Union | 1.15% | $500 | - | $727 | 30 Month Certificate w/ Bump Up | |
| Premier America Credit Union | 1.15%* | $25k | - | $872 | 36 Month CD | |
| Transportation Alliance Bank, Inc. | 1.14% | $1k | - | $867 | 36 Month CD | |
| First New England Federal Credit Union | 1.11% | $1k | - | $844 | 36 Month CD - Relationship | |
| American Bank | 1.10% | $500 | - | $836 | 36 Month CD | |
| BankUnited | 1.10% | $5k | - | $834 | 36 Month CD Special | |
| University Federal Credit Union | 1.10% | - | - | $836 | 36 Month Web CD | |
| Giantbank.com | 1.10% | $2,500 | - | $836 | 36 Month Giant Personal CD | |
| Kaiser Federal Bank | 1.10% | $1k | - | $834 | 3 Year to Less than 5 Year CD | |
| Salem Five | 1.10% | $10k | - | $834 | 36 Month Relationship CD | |
| 5Star Bank | 1.10% | $1k | - | $834 | 3 Year CD | |
| Eastern Utah Community Credit Union | 1.10% | $1k | - | $836 | 36 Month Share Certificate | |
| Box Elder County Credit Union | 1.10% | $500 | - | $836 | 36-Month Certificate | |
| NOVA Bank | 1.10% | $500 | - | $836 | 36 Month CD | |
| Education 1St Credit Union | 1.10% | $1k | - | $836 | 36 Month Share Certificate | |
| Pacific Mercantile Bank | 1.08% | $10k | - | $819 | 36 Month CD | |
| EverBank | 1.06% | $1,500 | - | $670 | 2.5 Year Yield Pledge CD | |
| American United Family Of Credit Unions | 1.06% | $500 | - | $806 | 36 Month +1 Time Rate Bump Share Certificate | |
| Randolph Bank & Trust Company | 1.06% | $5k | - | $803 | 36 Month Online CD | |
| E-LOAN.com | 1.05% | $10k | - | $796 | 3 Year CD | |
| Intervest National Bank | 1.05% | $2,500 | - | $796 | 3 Year CD | |
| Newtown Savings Bank | 1.05% | - | - | $796 | 3 Year CD | |
| Lake Michigan Credit Union | 1.05% | $500 | - | $663 | 30 Month VIP CD | |
| US Bank N.A. | 1.05% | $1k | $250k | $820 | 37 Month CD Special | |
| Provo Postal Credit Union | 1.05% | - | - | $798 | 36 Month CD | |
| First National Community Bank (PA) | 1.05% | $1k | - | $820 | 37 Month CD | |
| First Security Bank & Trust | 1.03% | $10k | - | $783 | 36 - 47 Month CD | |
| Dime Savings Bank | 1.01% | $500 | - | $765 | 3 Year CD | |
| SunTrust Bank | 1.01%† | $2k | $1m | $789 | 37 Month CD | |
| Bank of Blue Valley | 1.00% | - | - | $760 | 36 - 47 Months CD | |
| State Bank of Southern Utah | 1.00% | $500 | - | $758 | 36 Month CD | |
| Western Federal Credit Union | 1.00%* | $1k | - | $758 | 36 Month Share Certificate | |
| Atlantic Coast Bank | 1.00% | $1k | - | $760 | 36 Month iCertificates of Deposit | |
| JustBankIt.com | 1.00% | $1k | - | $631 | 30 Month CD | |
| Velocity Credit Union | 1.00% | $1k | - | $758 | 3 Year Inflation Fighter Share Certificate | |
| S-Bank | 1.00% | $1k | - | $758 | 36 Month Statement Term Certificates | |
| INOVA Federal Credit Union | 1.00% | $200 | - | $758 | 3 Year CD | |
| Weber State Credit Union | 1.00% | $500 | - | $758 | 36 Month CD - VIP Rate | |
| Easthampton Savings Bank | 1.00% | $1k | - | $758 | 36 Month CD | |
| Home Savings Bank | 1.00% | $1k | - | $760 | 36 Month CD | |
| Principal Bank | 1.00% | $5k | - | $760 | 36 Month CD | |
| Lewiston State Bank | 1.00% | $1k | - | $760 | 36 Month Time CD | |
| Pacific Horizon Credit Union | 1.00% | $1k | - | $758 | 3 Year CD | |
| Town & Country Bank (UT) | 1.00%* | $500 | - | $758 | 3 Year CD | |
| Southwest Community CU | 1.00% | $500 | - | $760 | 36 Month CD | |
| Devils Slide Credit Union | 1.00% | - | - | $760 | 36 Month Savings Certificate | |
| Urban Partnership Bank | 1.00% | $1k | $100k | $631 | 30 Month CD | |
| Community Bank of Raymore | 0.95% | $500 | - | $719 | 3 Year Emerald Club CD | |
| FNBO Direct | 0.95% | $500 | $1m | $721 | 36 Month CD | |
| Mountain America Credit Union | 0.95% | $500 | - | $721 | 36 Month CD | |
| Capital Community Bank | 0.95% | $1k | - | $721 | 36-59 Month CD | |
| The Village Bank (UT) | 0.95% | $500 | - | $721 | 36 Month CD | |
| Transwest Credit Union | 0.95% | $1k | $50k | $721 | 36 Month CD | |
| Firefighters CU (UT) | 0.95% | $1k | - | $721 | 36 Month CD | |
| Weber Credit Union | 0.95% | - | - | $721 | 36 Month CD | |
| University First Credit Union | 0.95% | $1k | - | $721 | 36 Month CD | |
| Newspaper Employees CU (UT) | 0.95% | $500 | - | $721 | 36 Month CD | |
| Lu 354 I B E W Credit Union | 0.95%* | $500 | - | $721 | 36 Month Share Certificate | |
| Clear Sky Accounts | 0.95% | $5k | - | $741 | 37 Month Clear Sky CD | |
| American Express Bank, FSB | 0.90% | - | - | $683 | 36 Month CD | |
| Bank of American Fork | 0.90% | $5k | - | $663 | 35 Month CD Special | |
| UnivestDirect | 0.90% | $500 | - | $681 | 3 Year 3D-CD | |
| Southeast Financial Federal Credit Union | 0.90% | $500 | - | $681 | 3 Year CD | |
| First Trade Union Savings | 0.90% | $500 | - | $681 | 3 Year CD | |
| NewDominion Bank | 0.90% | $1k | - | $681 | 36 Month Fixed Rate CD | |
| South Division Credit Union | 0.90% | $1k | - | $681 | 3 Year CD | |
| The Adirondack Trust Company | 0.90% | $500 | - | $681 | 3 Year CD | |
| Alpine Credit Union | 0.90% | $500 | - | $681 | 3-Year Certificate | |
| Cyprus Credit Union | 0.90% | $1k | - | $683 | 36 Month Share Certificate | |
| Members First CU (UT) | 0.90% | $500 | - | $683 | 36 Month CD | |
| Goldenwest Credit Union | 0.90% | $500 | - | $683 | 36 Month CD | |
| Grand Valley Bank | 0.90%† | $500 | - | $683 | 36 Month CD | |
| Utah First Credit Union | 0.90% | $500 | - | $683 | 36 Month CD | |
| Hercules Credit Union | 0.90% | $1k | - | $681 | 3 Year CD | |
| Varian Sl Employees Credit Union | 0.90% | $1k | $50k | $683 | 36 Month CD | |
| Beacon Federal Bank | 0.90% | $2,500 | - | $683 | 36 Month CD | |
| Deseret First Credit Union | 0.85% | $500 | $75k | $645 | 36-47 Month Standard Share Certificate | |
| North Country Savings Bank | 0.85% | $500 | - | $643 | 3 Year CD | |
| NASA Federal Credit Union | 0.85% | $1k | - | $645 | 36 Month CD | |
| Chartway Federal Credit Union | 0.85% | $10k | - | $645 | 36 Month CD w/ Checking | |
| Heritagewest Credit Union | 0.85% | $500 | - | $643 | 3 Year CD | |
| American Bank of Commerce (UT) | 0.85% | $500 | - | $643 | 36 Month CD | |
| First Utah Bank | 0.85% | $500 | - | $645 | 36 Month CD | |
| Nebo Credit Union | 0.85% | $500 | - | $645 | 36 Month CD | |
| Utah Community Credit Union | 0.85% | $500 | - | $645 | 36 Month Business CD | |
| Freedom CU (UT) | 0.85% | $500 | - | $645 | 36 Month Traditional CD | |
| Chevron West Credit Union | 0.85% | $500 | - | $645 | 36 Month Share Certificate | |
| Pacific Resource Credit Union | 0.81% | $1k | - | $612 | 36 Month CD | |
| 1st Source Bank | 0.80% | $500 | - | $605 | 3 Year CD | |
| Acacia Federal Savings Bank | 0.80% | $500 | - | $606 | 36 Month CD | |
| Apple Federal Credit Union | 0.80% | $500 | - | $606 | 36 Month Share Certificate | |
| ING DIRECT | 0.80% | - | - | $504 | 30 Month Orange CD | |
| West Texas National Bank | 0.80% | $1k | - | $605 | 3 Year CD | |
| America First Credit Union | 0.80% | $500 | - | $606 | 36 - 47 Month Regular Certificate | |
| Granite Credit Union | 0.80% | $1k | - | $605 | 36 Month CD | |
| Prime Alliance Bank | 0.80% | $5k | - | $606 | 36 Month Promotional CD | |
| Jordan Credit Union | 0.80%* | $10k | - | $606 | 36 Month Share Certificate | |
| National J. A. C. L. Credit Union | 0.80% | $1k | - | $606 | 36 Month CD | |
| Thrivent Financial Bank | 0.80% | $1k | - | $504 | 30 Month CD Special | |
| Cattaraugus County Bank | 0.79% | $1k | - | $599 | 36 Month CD | |
| Webster Bank | 0.75% | $1k | - | $567 | 3 Year CD | |
| Ameriprise Bank FSB | 0.75%* | $10k | - | $473 | 30 Month CD | |
| E-Central Credit Union | 0.75% | $1k | - | $567 | 36 - 47 Month CD | |
| Bank of Utah | 0.75% | $1k | $100k | $473 | 30 Month CD | |
| Central Bank (UT) | 0.75% | $500 | - | $567 | 3 Year CD | |
| Horizon Utah Credit Union | 0.75% | $500 | - | $568 | 36 Month Share Certificate | |
| The First National Bank of Layton | 0.75% | $500 | - | $567 | 3 Year CD | |
| Utah Independent Bank | 0.75% | $500 | - | $473 | 30 Month CD | |
| Credit Union One | 0.75% | - | - | $568 | 36 Month CD | |
| Flagstar Direct | 0.75% | $500 | - | $568 | 36 Month Internet CD | |
| Celtic Bank | 0.73% | $10k | - | $552 | 3 Year CD | |
| State Farm Bank | 0.72%*† | - | - | $545 | 36 Month CD | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $529 | 3 Year CD | |
| Provident Credit Union (CA) | 0.70% | $1k | - | $529 | 36 Month CD | |
| Patelco Credit Union | 0.70% | $1k | - | $529 | 36 - 47 Month CD | |
| iGObanking | 0.70% | $1k | - | $530 | 36 Month iGOCD | |
| Consumers Credit Union (IL) | 0.70% | $250 | - | $529 | 3 Year CD | |
| Flagstar Bank | 0.65%† | $500 | - | $492 | 36 - 47 Month CD | |
| KeyBank | 0.65%† | $25k | $100k | $491 | 36 Month Tiered CD - Relationship | |
| Pacific Rails Credit Union | 0.65% | $1k | - | $492 | 36 Month CD | |
| St. Marks Employees Credit Union | 0.65% | $1k | - | $409 | 30 Month Share Certificate | |
| Airbanking | 0.65% | $500 | - | $491 | 3 Year CD | |
| Heartland Bank Direct | 0.65% | $1k | - | $492 | 36 Month Online CD | |
| Wells Fargo Bank | 0.65% | $5k | - | $533 | Business 39 Month CD Special | |
| Zions Bank | 0.60% | $1k | - | $453 | 3 Year Gold CD | |
| ViewPoint Bank | 0.60% | $1k | - | $454 | 36 Month Regular CD | |
| Union Bank of California | 0.60%† | $350 | $100k | $454 | 36 - 47 Month CD | |
| Teamsters Local #222 Credit Union | 0.60% | $5k | - | $454 | 36 Month Regular CD | |
| Premier Services Credit Union | 0.60% | $500 | - | $454 | 36 Month CD | |
| Utah Heritage Credit Union | 0.60% | $500 | - | $454 | 36 Month Jumbo CD | |
| Charles Schwab Bank | 0.55% | $1k | - | $416 | 36 Month CD | |
| GiftsforBanking.com | 0.55% | $5k | - | $415 | 3 Year CD Gifts | |
| Sovereign Bank | 0.55%* | $10k | $100k | $415 | 36 Month Rising Rate Relationship CD | |
| Capital One Direct Banking | 0.55% | $5k | $100k | $415 | 3 Year Costco Members CD | |
| Amegy Bank | 0.50% | $1k | - | $315 | 30 Month Jumbo Personal CD | |
| Citibank | 0.50%† | $1k | - | $377 | 3 Year CD | |
| Amalgamated Bank | 0.45%† | $500 | $99k | $339 | 3 Year USAVE Time Deposit | |
| National Bank of Kansas City | 0.45% | $5k | - | $340 | 36 - 47 Month CD | |
| 20Th Century Fox Credit Union | 0.45% | $2,500 | - | $339 | 3 Year Certificate | |
| HSBC Advance | 0.35% | - | - | $220 | 30 Month Online CD | |
| Aurora Bank FSB | 0.35% | $1k | - | $263 | 36 Month CD | |
| Comerica Bank | 0.35%† | $1k | - | $263 | 3 Year CD | |
| HSBC Bank USA, National Association | 0.35% | $1k | - | $220 | 30 Month Online CD | |
| Regions Bank | 0.30%† | $500 | - | $226 | 36 - 47 Month Relationship CD | |
| BankDirect | 0.25% | $10k | - | $157 | 30 Month CD | |
| Guardian Credit Union | 0.20% | $500 | - | $126 | 30 Month Share Certificate | |
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