Utah First rates: up to 4.50% APY
credit union · NCUA CHARTER 528 · www.utahfirst.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings | $0 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Share | $0 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $5 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $2,000+ | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Regular and IRA Certificate Accounts | 6-Month · $2,000 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional and IRA Term Deposit | 6-Month · $2,000 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular and IRA Certificate Accounts | 12-Month · $2,000 | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional and IRA Term Deposit | 12-Month · $2,000 | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular and IRA Certificate Accounts | 18-Month · $2,000 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional and IRA Term Deposit | 18-Month · $2,000 | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular and IRA Certificate Accounts | 24-Month · $2000 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional and IRA Term Deposit | 24-Month · $2000 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular and IRA Certificate Accounts | 36-Month · $2,000 | 4.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional and IRA Term Deposit | 36-Month · $2,000 | 4.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular and IRA Certificate Accounts | 48-Month · $2,000 | 4.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional and IRA Term Deposit | 48-Month · $2,000 | 4.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular and IRA Certificate Accounts | 60-Month · $2,000 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional and IRA Term Deposit | 60-Month · $2,000 | 4.50% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $0 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,000 | 1.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000 | 2.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000 | 2.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000 | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $1,000,000 | 3.90% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Personal Checking | $0.00 - $2,999.99 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Checking | $3,000.00 - $9,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Checking | $10,000.00 - $24,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Checking | $25,000.00 - $99,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Checking | $100,000.00 - $249,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Checking | $250,000.00 - $999,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Checking | $1,000,000 + | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.utahfirst.com/certificate-accounts/ | 2026-11-01 21:54 UTC | ok | 1c162ebcb37b |
| www.utahfirst.com/money-market/ | 2026-11-01 22:44 UTC | ok | 7481ef2ef35a |
| www.utahfirst.com/rates/ | 2026-11-01 21:54 UTC | ok | 9e16881b48cf |