Our Best Certificate Rate
Earn 4.68% APY

22-Month Limited-Time Certificate

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Our Best Certificate Rate
Earn 4.68% APY

22-Month Limited-Time Certificate

Ready to take your savings to the next level? For a limited time, earn 4.68% APY with a 22-month Utah First certificate. Lock in a competitive fixed rate and watch your savings grow with confidence.

Certificate accounts are a safe investment with higher returns than a savings account and plenty of options to fit your goals. With this limited-time offer, it’s a great time to put your money to work. Say goodbye to the piggy bank and hello to savings that can help make your financial goals a reality with Utah First.

Don’t wait—this 4.68% APY offer is available for a limited time.

What You Need to Know:

$2,000 minimum to open

Start growing your wealth with just $2,000. Whether you’re saving for a vacation, a mortgage down payment, or a rainy day fund, our certificate accounts are accessible to everyone!

6-month minimum term

Lock in your investment for at least 6 months and enjoy the benefits of fixed, predictable returns. Plan ahead and watch your money work for you.

Fixed, predictable returns

No more guessing games! With Utah First, you get the peace of mind of knowing exactly how much you’ll earn on your investment. All growth, no surprises.

Government-insured to at least $250,000

You can feel confident that your money is safe with us. Our certificate accounts are federally insured to at least $250,000 for your protection and confidence.

Want to see your savings grow? It’s as easy as opening a Utah First certificate account! Once you do, you can sit back, relax, and watch your wealth pile up.

Ready, Set, Grow

Regular and IRA Certificate Accounts

Term Minimum Balance APY*
22-Month Limited-Time Offer $2,000 4.68%
6-Month $2,000 4.00%
12-Month $2,000 4.05%
18-Month $2,000 4.10%
24-Month $2000 4.50%
36-Month $2,000 4.40%
48-Month $2,000 4.45%
60-Month $2,000 4.50%

Open An Account

Savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. The term APY references annual percentage yield. A $2,000 minimum balance is required to open and maintain accounts. Penalties may apply for early withdrawal. Special 22-Month Certificate Terms:
4.68% APY for 22 months. Limited-time offer. At maturity, the certificate will revert to a 12-month certificate.

Open An Account

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