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Important Details

Certificates of Deposit (CDs) Apply Now

A fixed rate for a specified term

Save your money for a specific period of time (or term length) and receive interest on a fixed rate. Your CD will mature on a specific date, have a specified fixed interest rate, and can be issued in any denomination above $1,000. It’s FDIC-insured and if you don't need access to money right away, a CD is a great choice.

Account Features and Benefits

  • Fixed interest rate, compounded daily1 2
  • Deposits are insured by the FDIC. For more information on FDIC insurance, click here.
  • Choose a flexible savings term between 30 days and 5 years3
  • Earn a competitive interest rate on money you don't need to access right away
  • Save for retirement by opening an IRA Certificate of Deposit4
  • Use Online Banking and Mobile banking to view balances through a mobile phone, tablet, or computer5

View Rates

Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to Zions—see our Privacy Notice.)

*For Certificate of Deposit accounts, the interest rate disclosed at account opening is fixed and will not change until the CD renews. Any withdrawal of interest prior to maturity will reduce earnings.

Premium rate increase may be available. Contact a local branch for details.

Account Details

Minimum Opening Deposit $1,000
Monthly Maintenance Fee $0
Withdrawals Early withdrawal/closure penalties may be assessed when principal is withdrawn from a CD prior to the maturity date.6
Can the monthly Fee be waived? There is no monthly fee with this product

Didn’t find quite what you were looking for? Take a look at our comparison table to find the most suitable savings account for your needs.

Important Details
1. Your disclosed interest rate will not change until the CD renews at first maturity. Your CD will renew automatically at maturity for a similar period unless we send you notice of nonrenewal. We will send a notice before maturity to provide you with an opportunity to prevent renewal during the grace period.
2. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and Personal Account Schedule of Fees available in the online Agreement Center, or speak with a banker for more details.
3. Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings.
4. IRA account must be single owner. Annual contribution limits may apply. Please consult your tax professional for information regarding tax deductibility, required distributions, and before making withdrawals. Withdrawals made from an IRA product before age 59 1/2 may be subject to Federal taxes and penalties.
5. Mobile banking is included at no cost from Zions Bank. Requires download of Zions Bank App from the Apple® App Store, Google Play®, or Samsung Galaxy® App Store. Message and data rates from your wireless provider may apply. Requires enrollment and subject to the Digital Banking Services Agreement.
6. Federal banking regulations allow up to six (6) withdrawals by check, debit card, or pre-authorized, telephone, or computer transfer to another account or third party during a monthly statement cycle. However, you may make an unlimited number of withdrawals from your account in person, by ATM, or by mail. If the above limits are exceeded three (3) times in a twelve (12) month period, the account will be closed or changed to a different type of account.

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This page was last modified on Thu Oct 19 14:18:43 MDT 2017