Zions Bank

Type Fixed
Rate 1.51%
Currency USD


Website: https://www.zionsbank.com

Authority: Zions Bank began back in 1873 and has around 500 branches across states including Utah, Arizonia, California, Texas and Nevada

How to apply for a Zions Bank Certificate of Deposit

- You can apply online directly from the zionsbank.com website

- For telephone customer service about deposit rates you can contact them on 800-974-8800

- You can open a CD directly at a physical branch at selected locations including Utah, Arizonia, Califronia, Texas, Colorado, Idaho and Nevada which you can find out more from their website

Information about Zions 1 Year CD Rates

Consideration for Zion to factor for its deposit rates include but not limited to changes in interest rates, competition; the impact of the Dodd-Frank Act and Basel III, rules and regulations (regulatory capital and liquidity levels). Zion is particularly affected by the monetary policies of the FRB, which affect both short-term and long-term interest rates. In Zions view, the changing conditions in the economy and its effect of the FRB’s monetary policies, can often be difficult to predict future changes in loan demand, deposit levels and interest rates. As net interest income is a big component of the Company’s Zion's revenue, factors beyond the Company’s control can also significantly influence the deposit rates environment including competitive pricing pressures for our loans and deposits as well as adverse changes in its deposits and funding sources. It also operates in a highly competitive environment with most direct competition for deposits coming from other commercial banks/credit unions/thrifts, including online banks as Zion also has a significant branch network to maintain. The combination of the above factors influence the 1 year CD rate which can vary depending conditions but may not be priced as competitive as online banks as they have higher costs, however a 1 yr rate will have a higher risk premium than a 1 month deposit.

Requirements for this Zions CD

The minimum opening balance is $1000 for a 12 month term.



The rate of 1.51% is 0.14% higher than the average 1.37%. Also it is 1.24 % lower than the highest rate 2.75 Updated Feb, 2019

on Zions Bank's secure website


Website: https://www.zionsbank.com

Authority: Zions Bank began back in 1873 and has around 500 branches across states including Utah, Arizonia, California, Texas and Nevada

How to apply for a Zions Bank Certificate of Deposit

- You can apply online directly from the zionsbank.com website

- For telephone customer service about deposit rates you can contact them on 800-974-8800

- You can open a CD directly at a physical branch at selected locations including Utah, Arizonia, Califronia, Texas, Colorado, Idaho and Nevada which you can find out more from their website

Information about Zions 1 Year CD Rates

Consideration for Zion to factor for its deposit rates include but not limited to changes in interest rates, competition; the impact of the Dodd-Frank Act and Basel III, rules and regulations (regulatory capital and liquidity levels). Zion is particularly affected by the monetary policies of the FRB, which affect both short-term and long-term interest rates. In Zions view, the changing conditions in the economy and its effect of the FRB’s monetary policies, can often be difficult to predict future changes in loan demand, deposit levels and interest rates. As net interest income is a big component of the Company’s Zion's revenue, factors beyond the Company’s control can also significantly influence the deposit rates environment including competitive pricing pressures for our loans and deposits as well as adverse changes in its deposits and funding sources. It also operates in a highly competitive environment with most direct competition for deposits coming from other commercial banks/credit unions/thrifts, including online banks as Zion also has a significant branch network to maintain. The combination of the above factors influence the 1 year CD rate which can vary depending conditions but may not be priced as competitive as online banks as they have higher costs, however a 1 yr rate will have a higher risk premium than a 1 month deposit.

Requirements for this Zions CD

The minimum opening balance is $1000 for a 12 month term.



The rate of 1.51% is 0.14% higher than the average 1.37%. Also it is 1.24 % lower than the highest rate 2.75 Updated Feb, 2019

on Zions Bank's secure website

Type Fixed
Rate 1.51%
Currency USD

Compare Zions Bank Deposit rates

Account Name Rate
Zions Bank 5 Year CD Rates 2.12%
Zions Bank 4 Year CD Rates 2.02%
Zions Bank 3 Year CD Rates 1.87%

Compare 1 year rates in United States

Account Name Rate
Barclays US 1 Year CD Rates 2.75%
Goldman Sachs 1 Year CD Rates 2.75%
Sallie Mae 1 Year CD Rates 2.75%
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