Share Certificates

Financial goals become fantastic realities

Increased rates = increased savings

Don’t hesitate, do more with your money through higher interest rates! A share certificate lets you save money for a specified amount of time. In return you’ll earn a higher interest rate than a regular savings account. Boost your savings today so you’ll be prepared for a better financial future!

  • Higher APY than a regular savings account
  • Guaranteed return on investment
  • Less risky than stock market options
Start Earning More
Regular Rates ($500 Minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
3–5 Months0.25%0.25%0.25%0.25%
6–11 Months0.85%0.85%1.34%1.35%
12–23 Months1.93%1.95%2.42%2.45%
24–35 Months2.18%2.20%2.66%2.70%
36–47 Months2.37%2.40%2.86%2.90%
48–59 Months2.47%2.50%2.96%3.00%
60 Months2.57%2.60%3.05%3.10%

Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $500. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Federally insured by NCUA. Additional products and rates, including Jumbo Certificates, are listed here.

The Modern Money Tree

Above all, our certificates offer you the perfect path towards future goals. So how will you mobilize your money?

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College Education

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New Car

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Home Down Payment

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Account Requirements

Apply online today! For questions or to apply directly with a representative, call 801-456-7000 or 800-326-3328. Available weekdays: 8am–7pm, Sat: 9am–2pm. Additionally, you may visit any Deseret First Branch.

Give your savings an energy boost!

Reach your growth potential