Bank of Utah CDs Review

CDs from 30 days to 5 years, with the top rate on the 18-month term, most terms open online, and a $500 Super Saver CD that takes added deposits.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked October 12, 2026.

Our verdict

Bank of Utah's best CD rate is on the 18-month term, 4.35%, with 4.30% for a year and 4.05% at six months; the 4- and 5-year terms drop to 3.03%, so this is a short-to-medium ladder. Most terms open online with $1,000, and a 1-year Super Saver CD accepts added deposits from $500. Leaving early costs 91 or 180 days of interest.

Skip it if you want to lock a rate for four or five years, or want a 30-month CD you can open online.

About Bank of Utah CDs

CDs from 30 days to 5 years, with the top rate on the 18-month term, most terms open online, and a $500 Super Saver CD that takes added deposits. Bank of Utah CDs is offered by Bank of Utah. We could not find a published customer rating for it on Trustpilot or the Better Business Bureau, so none is shown.

Best for: Savers laddering from 3 months to 3 years who want to open online.

Editorial grade: B+ (composite score 81/100).

Highlights

18-month CD at 4.35% APY, 1-year at 4.30% and 6-month at 4.05% (Bank of Utah's own rate table, accurate as of October 7, 2026)
$1,000 minimum on standard CDs; a 1-year Super Saver CD opens with $500 and accepts added deposits
Early withdrawal costs 91 days of interest on terms under a year and 180 days on terms of a year or more

What we like

A 1-year Super Saver CD that accepts added deposits, which standard CDs do not
Bank of Utah's rate table and online application list the 3-month, 6-month, 1-year, 18-month, 2-year, 3-year, 4-year and 5-year CDs for online opening, and the 1-year Super Saver CD opens online or in a branch
A 10-day grace period after maturity, and CDARS for balances above $250,000
FDIC insured through Bank of Utah

Where it falls short

The 4- and 5-year terms pay 3.03% and the 30-month term 3.30%, well below the 18-month rate
Bank of Utah's rate table lists the 30-day, 60-day and 30-month CDs as opened in a branch only; the 30-day CD needs $2,500 to open and earns 0.45% APY, and the 60-day CD earns 1.00%, against 3.90% on the 3-month CD
Standard CDs take no added deposits, and a CD you do not close renews at the rate then on offer

Fees, minimums, and rates

Monthly fee: No monthly fee listed; early-withdrawal penalty of 91-180 days' interest. Minimum to open: $1,000. Current APY: 4.30%. Rates and fees last checked on October 12, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Bank of Utah. It is built from Bank of Utah's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Certificates of Deposit shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

Bank of Utah, FDIC certificate 17159: capital, loan quality, every office and the complaint record.

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Read our full editorial methodology for how we review products.