Information and Alerts

Share Certificates

Financial goals become fantastic realities

A black background with the text: 5.25% APY* 6-Month Certificate.

Start Growing your Savings Today!

  • 5.25% APY* Interest Rate
  • Low-risk investment
  • Higher rates = Larger Savings
With the financial landscape constantly evolving, it’s crucial to secure your hard-earned money in a stable and reliable investment option. Our Share Certificate (CD) offers you the perfect blend of security and growth, ensuring your funds are protected while growing steadily. Whether you’re planning for a short-term goal or aiming for long-term financial success, our special rate of 5.25%APY* sets the stage for an exceptional investment journey. Click below to apply today!
Apply Now

Limited Time Offer

*Rate stated as Annual Percentage Yield. Membership and eligibility required. Terms and conditions apply. O.A.C.

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 typically 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 options than a regular savings account
  • Receive a great return on your investment
  • Less risky than stock market options
Start Earning More
Regular Rates ($500 Minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
3 Months0.05%0.05%0.05%0.05%
6 Months5.12%5.25%5.12%5.25%
12 Months4.64%4.75%4.64%4.75%
24 Months4.16%4.25%4.16%4.25%
36 Months3.92%4.00%3.92%4.00%
48 Months3.92%4.00%3.92%4.00%
60 Months3.92%4.00%3.92%4.00%
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?

College Education Graduation Hat

College Education

New Car Loans

New Car

Home Down Payments

Home Down Payment

Remodeling Your Home


Vacation and Traveling


Getting Married and Weddings


jar of coins with leafy bud sprouting out

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