CD Rates Arizona (AZ) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Arizona CD rates include Landings Credit UnionLandings Credit Union2800 S Mill Ave, Tempe, AZ 85282A+5.0 ★Texas Ratio: 4.77%Real return: +1.50%APY minus CPI (February 2026) offering IRA Certificate 12 Month at 4.30% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union2151 E Broadway Rd, Tempe, AZ 85282 1893A+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, Pyramid Federal Credit UnionPyramid Federal Credit Union4491 N Oracle Rd, Tucson, AZ 85705A5.0 ★Texas Ratio: 8.00%Real return: +1.27%APY minus CPI (February 2026) offering GOAL SHARE CERTIFICATE 1 Year at 4.07% APY, Copper State Credit UnionCopper State Credit Union1270 N Dysart Rd, Goodyear, AZ 85395A5.0 ★Texas Ratio: 7.57%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month Business Certificate at 4.00% APY, and Pima Federal Credit UnionPima Federal Credit Union3730 N Stone Ave, tucson, AZ 85705 3204A+5.0 ★Texas Ratio: 2.69%Real return: +1.20%APY minus CPI (February 2026) offering 6 months Term Share Certificates at 4.00% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Arizona side-by-side. Arizona CD rates currently reach as high as 4.30% APY from Landings Credit Union at 2800 S Mill Ave, Tempe, AZ 85282. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in Arizona
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2990 N Litchfield Rd, Goodyear, AZ 85395
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 90 Day
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Month (91 Day) CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
3 months CD
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance $500
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ 85937
New 3 Mo Share Certificate
$10,000
3.29%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
3 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Business Share Certificate 3 Month
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
6 month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
6 Month CD
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ 85705 3204
6 months Term Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
6 Month Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD 6 Month Liquid CD - no penalty
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
13503 W Camino Del Sol, Sun City West, AZ 85375
6-Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
11209 N Tatum Blvd, Phoenix, AZ 85028
6 Month CD
$5,000
3.80%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
6 Month CD
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 6 Month
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
over $50,000
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ 85643
Certificates 6 Months
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
6 Month (182 Day) CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Jumbo Savings Certificates 6 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ 85937
New 6 Mo Share Certificate
$2,500
3.53%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2990 N Litchfield Rd, Goodyear, AZ 85395
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 6 Month Platinum
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
6 months CD
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance $500
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1000 E Florence Blvd, Casa Grande, AZ 85122
6-Month Share Certificate
$25,000
3.50%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ 85705 1551
6 Mo. Certificate
$99,000
3.41%
▼
Rate—
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
7047 E Greenway Pkwy, Scottsdale, AZ 85254
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
6 Month Term CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
6 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
6-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
6-Month Share Certificates
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 months Certificate
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 6 month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Business Share Certificate 6 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates 6 Months
$0
1.36%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
6 Month Share Certificate
$100,000
0.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ 85226
6 Months Certificates
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
19432 N R H Johnson Blvd, Sun City West, AZ 85375
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 12 Month
$2,000
4.30%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
GOAL SHARE CERTIFICATE 1 Year
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
1 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 12 Month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ 85937
New 12 Mo IRA Share Certificate
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
1 Year CD
$500
3.95%
▼
Rate3.89%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$10,000 - $49,999.99
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Mo. Certificate
$99,000
3.77%
▼
Rate—
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ 85705 3204
12 months Term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 12 Months Platinum
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ 85643
Certificates 12 Months
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
13503 W Camino Del Sol, Sun City West, AZ 85375
12-Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
960 W Elliot Rd, Tempe, AZ 85284
12-month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 year Certificate
$0
3.61%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
12-Month Certificate of Deposit
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
1 Year (12 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year Certificate
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
College Savings Certificate 1 Year
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
IRA Term Certificate 1 Year
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
12 Month CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA 12 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
12 Month Promo Share Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
12 months CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance $500
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 12 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
12 Month TSC or IRA TSC
$10,000
3.15%
▼
Rate3.11%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
12 Month Term CD
$1,000
3.13%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
2800 S Woodlands Village Blvd, Flagstaff, AZ 86001
IRA Share CDs 12 Month
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2990 N Litchfield Rd, Goodyear, AZ 85395
Certificates of Deposit 12 Month
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Business Share Certificate 12 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates 12 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 N Central Ave Ste 110, Phoenix, AZ 85004
12-month fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ 85226
12 Months Certificates
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
19432 N R H Johnson Blvd, Sun City West, AZ 85375
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 18 Month
$2,000
4.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and over
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 18 Months Platinum
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 18 Month
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
8337 W Bell Rd Ste 102, Peoria, AZ 85382 3798
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Save more when you move at least $500 from another financial institution.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ 85643
Certificates 18 Months
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Jumbo Savings Certificates 18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
11209 N Tatum Blvd, Phoenix, AZ 85028
18 Month CD
$5,000
3.51%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA 18 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
18 Month IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 18 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
18 Month CD
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$10,000
3.20%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
18-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
18 months CD
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance $500
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
18 Month Term CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Business Share Certificate 18 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ 85226
18 Months Certificates
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and over
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
2 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 24 Months Platinum
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
2 Year CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ 85643
Certificates 24 Months
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Jumbo Savings Certificates 2 Years
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
24 Month CD
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Mo. Certificate
$99,000
3.56%
▼
Rate—
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
24 Month IRA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA 24 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ 85705 3204
18, 24 months Term Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 24 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 years Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
2 Year (24 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
2800 S Woodlands Village Blvd, Flagstaff, AZ 86001
IRA Share CDs 24 Month
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
24 Month TSC or IRA TSC
$10,000
3.25%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
24-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
2-Year Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
2 Year Share Certificates
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
24 months CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance $500
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 24 Month
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
24 Month Term CD
$1,000
2.86%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
24-month Share Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Share Certificate promotion
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Business Share Certificate 24 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates 24 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 2 Year
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
over $50,000
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
IRA Certificates 24 Months
$0
0.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ 85226
24 Months Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
3 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 36 Months Platinum
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
3 Year CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ 85643
Certificates 36 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month CD
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Jumbo Savings Certificates 3 Years
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
13503 W Camino Del Sol, Sun City West, AZ 85375
36-Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 36 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA 36 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 years Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
36 Month TSC or IRA TSC
$10,000
3.35%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Year (36 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Mo. Certificate
$99,000
3.30%
▼
Rate—
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
2800 S Woodlands Village Blvd, Flagstaff, AZ 86001
IRA Share CDs 36 Month
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
3 Year Share Certificates
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 36 Month
$2,000
3.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
36-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ 85937
New 36 Mo Share Certificate
$10,000
3.00%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 3 Year
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
36 months CD
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance $500
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Business Share Certificate 36 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Year Certificate
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 3 year
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
over $50,000
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates 36 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
36 Month Term CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
IRA Certificates 36 Months
$0
0.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ 85085
3 years Jumbo CD
$0
0.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
4 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
4 Year CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ 85643
Certificates 48 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Jumbo Savings Certificates 4 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 48 Months Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA 48 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$10,000
3.40%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
4 Year Share Certificates
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
48-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
48 months CD
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance $500
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Business Share Certificate 48 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
4 years Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
48 month Certificate
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
48 Month Term CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 4 Year
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
over $50,000
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
IRA Certificates 48 Months
$0
1.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ 85085
4 years Jumbo CD
$0
0.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and over
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
5 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 60 month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
5 Year CD
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
60 Month CD
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Jumbo Savings Certificates 5 Years
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ 85643
Certificates 60 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 60 Months Platinum
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA 60 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
5 Year (60 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
60 Month TSC or IRA TSC
$10,000
3.30%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
5 Year Share Certificates
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year Certificate
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
60-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ 85705 3204
30, 36, 48, 60 months Term Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 5 Year
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
60 months CD
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance $500
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
5 years Certificate
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Business Share Certificate 60 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 60 Month
$2,000
2.80%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates 60 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
60 Month Term CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 5 Year
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
over $50,000
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
IRA Certificates 60 Months
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ 85085
5 years Jumbo CD
$0
0.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Arizona CD Rate Trends
Compare local Arizona CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — AZ Avg
2.653%
▼ 0.108 vs 7 days ago
Arizona 12-month CD rates fell 0.108 points over the past 7 days to 2.653% APY.
6-Month CD — AZ Avg
1.849%
▼ 0.488 vs 7 days ago
Arizona 6-month CD rates fell 0.488 points over the past 7 days to 1.849% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
AZ CD Rate Forecast — Next 12 Months
Where are Arizona CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AZ 12-Month Avg APY
2.653%
6-Month Forecast
2.653%
Range: 2.45% – 2.80%
12-Month Forecast
2.403%
Range: 2.20% – 2.55%
Powered by
MonitorBankRates
What Your Savings Earn at AZ CD Rates Today
Annual interest earnings at today’s Arizona average APYs. State average used where available; national average as fallback.
| CD Term | AZ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.538% | $26.89 | $53.78 | $134.45 | $268.90 |
| 6-Month CD | 1.849% | $92.43 | $184.86 | $462.15 | $924.30 |
| 12-Month CD | 2.653% | $132.64 | $265.28 | $663.20 | $1,326.40 |
| 18-Month CD | 3.426% | $171.29 | $342.58 | $856.45 | $1,712.90 |
| 24-Month CD | 3.376% | $168.78 | $337.56 | $843.90 | $1,687.80 |
| 36-Month CD | 3.369% | $168.47 | $336.93 | $842.33 | $1,684.65 |
| 48-Month CD | 3.407% | $170.33 | $340.66 | $851.65 | $1,703.30 |
| 60-Month CD | 3.447% | $172.37 | $344.73 | $861.83 | $1,723.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
Sample CD Ladder for Arizona Savers
$25,000 split equally across 5 terms using today’s Arizona average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AZ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.538% | $26.89 |
| 2 | 6-Month CD | $5,000 | 1.849% | $92.43 |
| 3 | 12-Month CD | $5,000 | 2.653% | $132.64 |
| 4 | 24-Month CD | $5,000 | 3.376% | $168.78 |
| 5 | 36-Month CD | $5,000 | 3.369% | $168.47 |
| Total ($25,000 invested) | $25,000 | 2.357% blended | $589.21/yr | |
Ladder example uses equal $5,000 rungs and Arizona average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
43
Institutions
in Arizona
in Arizona
17 Banks
26 Credit Unions
About Our Arizona CD Rate Database
MonitorBankRates tracks CD rates from 17 banks and 26 credit unions with locations in Arizona, plus national online institutions available to Arizona residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Landings Credit Union offers a CD at 4.30% APY with a minimum deposit of $2,000. Use the rate table above to compare all current offers in Arizona.
How to Find the Best CD Rates in Arizona
What to compare when shopping for a CD in Arizona
To find the best APYs in Arizona, start with credit unions and online-only banks — Arizona has 26 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Arizona
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Arizona — 43 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Arizona savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Arizona money market rates
Arizona Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
18.9%
National avg: 17.3%
Median Individual Earnings
$45,474
National avg: $47,340
Poverty Rate
12.5%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$121/yr
At AZ 12-mo avg 2.653% APY
18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s AZ 12-month CD average of 2.653%, saving 10% of the local median salary ($4,547/year) and putting it in a CD would earn an additional $121 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Arizona
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Arizona
Are CD rates in Arizona FDIC insured?
Yes, most established banks in Arizona are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Arizona?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Arizona.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Arizona may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Arizona?
Here are recent top rates found for this area:
- Landings Credit Union: 4.30% APY (IRA Certificate 12 Month)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- Pyramid Federal Credit Union: 4.07% APY (GOAL SHARE CERTIFICATE 1 Year)
- KS StateBank: 4.00% APY (6 Month CD)
- Copper State Credit Union: 4.00% APY (3 Year Business Certificate)
- Goldwater Bank: 4.00% APY (CERTIFICATES OF DEPOSIT - 12 Month)
- Sharefax Credit Union: 4.00% APY (IRA & HSA Certificates 18 Months Platinum)
- Pima Federal Credit Union: 4.00% APY (6 months Term Share Certificates)
- Rim Country Federal Credit Union: 3.96% APY (New 12 Mo IRA Share Certificate)
- Gainey Business Bank: 3.92% APY (Certificates of Deposits(Personal and Business) 60 month)
Rates reflect recent verified offers available in Arizona. Last Updated: April 21, 2026
CD Calculators for Arizona
Arizona CD Calculator
At today’s AZ top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Arizona CD LadderAZ CD rates currently range from 0.538% (3-month) to 3.369% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Arizona CD at 4.30% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsArizona’s average 12-month CD is 2.653% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Arizona directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Arizona. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AZ.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 21, 2026
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