# Zions Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/zions-bank
Institution: Zions Bancorporation, N.A. (FDIC 2270)
Aliases: Zions, Zions Bancorporation
Status: live
Last verified: 2026-10-23T03:50:19.000Z (October 22, 2026)
Official source: https://www.zionsbank.com/personal/deposit-rates/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Standard Certificate of Deposit | standard | 7 days | $1,000 | 0.00% | Not ZIP-priced | −4.13% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 1 month | $1,000 | 0.10% | Not ZIP-priced | −4.03% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 3 months | $1,000 | 3.05% | Not ZIP-priced | −1.25% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 6 months | $1,000 | 3.05% | Not ZIP-priced | −1.35% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 9 months | $1,000 | 3.05% | Not ZIP-priced | −1.43% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 12 months | $1,000 | 3.05% | Not ZIP-priced | −1.52% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 18 months | $1,000 | 3.05% | Not ZIP-priced | −1.67% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 24 months | $1,000 | 3.05% | Not ZIP-priced | −1.82% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 36 months | $1,000 | 3.05% | Not ZIP-priced | −1.90% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 48 months | $1,000 | 3.05% | Not ZIP-priced | −1.93% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |
| Standard Certificate of Deposit | standard | 60 months | $1,000 | 3.05% | Not ZIP-priced | −1.96% | 2026-10-23T03:50:19.000Z | [Snapshot 982](https://apyledger.com/snapshots/982) |

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.