Zions Bank CD Rates — October 2026
As of October 22, 2026, Zions Bank's highest tracked CD rate is 3.05% APY on a 3-month CD ($1,000 minimum). That is 2.7 times the FDIC national average for 3-month CDs (1.14%). Standard CD rates range from 0.00% to 3.05% APY.
Tracking began .
Zions Bank CD rates
Zions Bank is a division of Zions Bancorporation, N.A. Standard CDs from 7 days to 60 months for balances from $1,000 up to $99,999; the rates shown are for Utah (Idaho rates are published separately). Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 7 days | Standard Certificate of Deposit | $1,000 | 0.00% | −4.13% | Verified October 22, 2026 |
| 1 month | Standard Certificate of Deposit | $1,000 | 0.10% | −4.03% | Verified October 22, 2026 |
| 3 months | Standard Certificate of Deposit | $1,000 | 3.05% | −1.25% | Verified October 22, 2026 |
| 6 months | Standard Certificate of Deposit | $1,000 | 3.05% | −1.35% | Verified October 22, 2026 |
| 9 months | Standard Certificate of Deposit | $1,000 | 3.05% | −1.43% | Verified October 22, 2026 |
| 12 months | Standard Certificate of Deposit | $1,000 | 3.05% | −1.52% | Verified October 22, 2026 |
| 18 months | Standard Certificate of Deposit | $1,000 | 3.05% | −1.67% | Verified October 22, 2026 |
| 24 months | Standard Certificate of Deposit | $1,000 | 3.05% | −1.82% | Verified October 22, 2026 |
| 36 months | Standard Certificate of Deposit | $1,000 | 3.05% | −1.90% | Verified October 22, 2026 |
| 48 months | Standard Certificate of Deposit | $1,000 | 3.05% | −1.93% | Verified October 22, 2026 |
| 60 months | Standard Certificate of Deposit | $1,000 | 3.05% | −1.96% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Zions Bank's best CD rates by term?
Zions Bank's best rate is 3.05% APY on 3 months, verified October 22, 2026.
- 7 days0.00%
- 1 mo0.10%
- 3 mo3.05%
- 6 mo3.05%
- 9 mo3.05%
- 12 mo3.05%
- 18 mo3.05%
- 24 mo3.05%
- 36 mo3.05%
- 48 mo3.05%
- 60 mo3.05%
How much interest could a Zions Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$75.19 interest · $10,075.19 at maturity on $10,000.00.
3.05% APY · 3 months · Standard Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | $0.000.00% APY · Standard Certificate of Deposit · Standard | $0.000.00% APY · Standard Certificate of Deposit · Standard | $0.000.00% APY · Standard Certificate of Deposit · Standard | $0.000.00% APY · Standard Certificate of Deposit · Standard |
| 1 month | $0.410.10% APY · Standard Certificate of Deposit · Standard | $0.820.10% APY · Standard Certificate of Deposit · Standard | $2.050.10% APY · Standard Certificate of Deposit · Standard | $4.110.10% APY · Standard Certificate of Deposit · Standard |
| 3 months | $37.593.05% APY · Standard Certificate of Deposit · Standard | $75.193.05% APY · Standard Certificate of Deposit · Standard | $187.963.05% APY · Standard Certificate of Deposit · Standard | $375.933.05% APY · Standard Certificate of Deposit · Standard |
| 6 months | $75.893.05% APY · Standard Certificate of Deposit · Standard | $151.773.05% APY · Standard Certificate of Deposit · Standard | $379.433.05% APY · Standard Certificate of Deposit · Standard | $758.863.05% APY · Standard Certificate of Deposit · Standard |
| 9 months | $114.053.05% APY · Standard Certificate of Deposit · Standard | $228.103.05% APY · Standard Certificate of Deposit · Standard | $570.253.05% APY · Standard Certificate of Deposit · Standard | $1,140.503.05% APY · Standard Certificate of Deposit · Standard |
| 12 months | $152.503.05% APY · Standard Certificate of Deposit · Standard | $305.003.05% APY · Standard Certificate of Deposit · Standard | $762.503.05% APY · Standard Certificate of Deposit · Standard | $1,525.003.05% APY · Standard Certificate of Deposit · Standard |
| 18 months | $230.703.05% APY · Standard Certificate of Deposit · Standard | $461.403.05% APY · Standard Certificate of Deposit · Standard | $1,153.503.05% APY · Standard Certificate of Deposit · Standard | $2,307.013.05% APY · Standard Certificate of Deposit · Standard |
| 24 months | $309.653.05% APY · Standard Certificate of Deposit · Standard | $619.303.05% APY · Standard Certificate of Deposit · Standard | $1,548.263.05% APY · Standard Certificate of Deposit · Standard | $3,096.513.05% APY · Standard Certificate of Deposit · Standard |
| 36 months | $471.603.05% APY · Standard Certificate of Deposit · Standard | $943.193.05% APY · Standard Certificate of Deposit · Standard | $2,357.983.05% APY · Standard Certificate of Deposit · Standard | $4,715.963.05% APY · Standard Certificate of Deposit · Standard |
| 48 months | $638.483.05% APY · Standard Certificate of Deposit · Standard | $1,276.963.05% APY · Standard Certificate of Deposit · Standard | $3,192.403.05% APY · Standard Certificate of Deposit · Standard | $6,384.793.05% APY · Standard Certificate of Deposit · Standard |
| 60 months | $810.453.05% APY · Standard Certificate of Deposit · Standard | $1,620.913.05% APY · Standard Certificate of Deposit · Standard | $4,052.263.05% APY · Standard Certificate of Deposit · Standard | $8,104.533.05% APY · Standard Certificate of Deposit · Standard |
How Zions Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 91-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 106 of 258 tracked institutions with fresh 91-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Zions Bank (this institution)Standard Certificate of Deposit · Standard | 3 months | $1,000 | Branches in ID, UT, WY | 3.05% | October 22, 2026 |
| Popular DirectCD · Standard | 3 months | $10,000 | Available nationwide | 4.30% | October 22, 2026 |
| FirsTier Bank3 Month CD · Standard | 3 months | Not stated | Branches in CO, NE, WY | 4.14% | October 22, 2026 |
| Bask BankCertificate of Deposit · Standard | 3 months | $1,000 | Available nationwide | 4.10% | October 22, 2026 |
| Newtek Bank (highest tracked APY for this term)Certificate of Deposit · Standard | 3 months | $2,500 | Branches in FL | 4.60% | October 22, 2026 |
| Treasury (APY-equivalent) | 3 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.29% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Zions Bank on October 22, 2026.
About Zions Bank
- Legal name
- Zions Bancorporation, N.A.
- Regulator ID
- FDIC 2270
- Headquarters
- Salt Lake City, UT
- Available in
- ID, UT, WY
- Total assets
- $89.0 billion
- Also known as
- Zions, Zions Bancorporation
- Website
- www.zionsbank.com
Source: rates read from https://www.zionsbank.com/personal/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Zions Bank?
Among the rates we track, 3.05% APY on a 3-month CD, as of October 22, 2026.
What is the minimum deposit for a Zions Bank CD?
The lowest minimum we found is $1,000.
How does Zions Bank's best CD rate compare with Treasury yields?
3.05% APY is −1.25% versus the 3-month Treasury yield of 4.29% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.05% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.14% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Zions Bank CDs insured?
Zions Bank is an FDIC-insured bank (FDIC 2270). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Zions Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Zions Bank's website and may change at any time. Confirm terms, minimums and eligibility with Zions Bank before opening an account. This page is not financial advice.