Best Banks & Credit Unions in Layton, Utah

Banks and credit unions serving Layton, Utah. Compare up to 3.61% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Layton, Utah. All rankings inherit from the Utah state directory. Every institution listed is licensed to serve Layton residents and is either headquartered in Utah or operates branches in the metro.

Top options in Layton

• State Bank of Southern Utah: 4.06% APY. 12 Month - Add On Certificate: The rate table lists no minimum for certificates; the bank does not open CDs for other financial institutions or deposit brokers. Read Sep 7, 2026 on sbsu.com. Rates as of 2026-09-04 per the page.
• TAB Bank: 4.05% APY. 12 Month CD: $1,000 minimum opening deposit; offer good on new CDs only; a penalty may be imposed for early withdrawal; rates current as of September 7, 2026. Read on tabbank.com/cd-rates-terms/. Read Sep 7, 2026 on tabbank.com. Rates as of 2026-09-07 per the page.
• Central Bank: 4.01% APY. 12 Months to 23 Months Certificate of Deposit: $500+ minimum; a penalty may be imposed for early withdrawal. Read Sep 7, 2026 on cbutah.com. Rates as of 2026-01-09 per the page.
• America First Credit Union: 3.95% APY. 12-month 12-17 Months Certificate: $500.00 minimum opening and earning balance; early-withdrawal penalties may apply; dividends credited monthly. Read Sep 7, 2026 on americafirst.com. Rates as of 2026-09-04 per the page.
• Goldenwest Credit Union: 3.95% APY. 12 Month Certificate: $500.00 minimum; President's Club members get an extra 0.25% dividend boost. Read Sep 7, 2026 on gwcu.org. Rates as of 2026-09-01 per the page.
• Mountain America Credit Union: 3.90% APY. 12-month Standard Certificate: $500 minimum balance required to open and maintain a standard certificate; APY accurate as of September 6, 2026; penalty for early withdrawal. Read Sep 7, 2026 on macu.com. Rates as of 2026-09-06 per the page.

Other Utah cities

See the full Utah banks directory for every institution we've verified in the state, plus the underlying methodology.