# Utah First Federal Credit Union CD and share certificate rates

As of October 22, 2026, Utah First Federal Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 24-month promotional CD ($2,000 minimum). That is 2.9 times the FDIC national average for 24-month CDs (1.55%).

Canonical page: https://apyledger.com/cd-rates/utah-first-federal-credit-union
Institution: Utah First Federal Credit Union (NCUA 528)
Aliases: 
Status: live
Last verified: 2026-10-23T02:11:30.000Z (October 22, 2026)
Official source: https://utahfirst.com/certificate-accounts/
Coverage: Membership required. Certificates from 6 to 60 months with a $2,000 minimum balance. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate Account | promotional | 6 months | $2,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T02:11:30.000Z | [Snapshot 884](https://apyledger.com/snapshots/884) |
| Certificate Account | promotional | 12 months | $2,000 | 4.05% | Not ZIP-priced | −0.52% | 2026-10-23T02:11:30.000Z | [Snapshot 884](https://apyledger.com/snapshots/884) |
| Certificate Account | promotional | 18 months | $2,000 | 4.10% | Not ZIP-priced | −0.62% | 2026-10-23T02:11:30.000Z | [Snapshot 884](https://apyledger.com/snapshots/884) |
| Certificate Account | promotional | 24 months | $2,000 | 4.50% | Not ZIP-priced | −0.37% | 2026-10-23T02:11:30.000Z | [Snapshot 884](https://apyledger.com/snapshots/884) |
| Certificate Account | promotional | 36 months | $2,000 | 4.40% | Not ZIP-priced | −0.55% | 2026-10-23T02:11:30.000Z | [Snapshot 884](https://apyledger.com/snapshots/884) |
| Certificate Account | promotional | 48 months | $2,000 | 4.45% | Not ZIP-priced | −0.53% | 2026-10-23T02:11:30.000Z | [Snapshot 884](https://apyledger.com/snapshots/884) |
| Certificate Account | promotional | 60 months | $2,000 | 4.50% | Not ZIP-priced | −0.51% | 2026-10-23T02:11:30.000Z | [Snapshot 884](https://apyledger.com/snapshots/884) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.