Colorado City, Arizona CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Colorado City, Arizona CD rates include Idaho Central Credit UnionIdaho Central Credit UnionA+5.0 ★Texas Ratio: 3.86%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Promo CD at 4.20% APY, Pyramid Federal Credit UnionPyramid Federal Credit UnionA5.0 ★Texas Ratio: 7.56%Real return: +1.27%APY minus CPI (February 2026) offering GOAL SHARE CERTIFICATE 1 Year at 4.07% APY, Credit Union of Southern CaliforniaCredit Union of Southern CaliforniaA+5.0 ★Texas Ratio: 2.43%Real return: +1.20%APY minus CPI (February 2026) offering 36 month at 4.00% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.51%Real return: +1.20%APY minus CPI (February 2026) offering Share Certificates 3 Years at 4.00% APY, and Goldwater BankGoldwater BankA5.0 ★Texas Ratio: 11.19%Real return: +1.20%APY minus CPI (February 2026) offering IRA CERTIFICATES OF DEPOSIT*** - 12 Month at 4.00% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Colorado City is a smaller community with no bank or credit union branches currently in our database. 406 institutions serving the Arizona area are available to Colorado City residents, with CD rates as high as 4.20% APY from Idaho Central Credit Union. 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: June 16, 2026
Compare Best CD Rates in Colorado City, Arizona & the Surrounding Area
Colorado City 3 Month CD Rates
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.57%; Non-Rewards+ Loyalty Program APY1: 2.60%
Interest Rate: 3.50%; APY: 3.55%; Payment Frequency: Maturity
Interest Rate: 3.55%; APY: 3.60%; Payment Frequency: Maturity
Renewal Rate: 2.25 %, Renewal APY: 2.524 %
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Colorado City 6 Month CD Rates
no penalty
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Interest Rate: 3.50%; APY: 3.53%; Payment Frequency: Maturity
Renewal Rate: 3.00 %, Renewal APY: 3.020 %
Interest Rate: 3.55%; APY: 3.58%; Payment Frequency: Maturity
Limited time offer; available for personal and business accounts.
Compounded Monthly
Silver Rate: 3.35%, Silver APY: 3.40%, Gold Rate: 3.40%, Gold APY: 3.45%, Platinum Rate: 3.44%, Platinum APY: 3.50%
Silver: 3.35% APY, Gold: 3.45% APY, Platinum: 3.50% APY
Colorado City 12 Month CD Rates
Renewal Rate: 3.25 %, Renewal APY: 3.290 %
Dividend Rate $10,000 - $49,999.99: 3.84%, Annual Percentage Yield $10,000 - $49,999.99: 3.91%, Dividend Rate $50,000 - $99,999.99: 3.84%, Annual Percentage Yield $50,000 - $99,999.99: 3.91%, Dividend Rate $100,000 and over: 3.84%, Annual Percentage Yield $100,000 and over: 3.91%
Dividend Rate: 3.74% for $1,000 - $49,999.99; Dividend Rate: 3.74% for $50,000 - $99,999.99; Dividend Rate: 3.74% for $100,000 and over
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 3.06%; Non-Rewards+ Loyalty Program APY1: 3.10%
Non-Rewards+ Loyalty Program Dividend rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.10%
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Renewal Rate: 3.25 %, Renewal APY: 3.250 %
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.
Interest Rate: 3.50%; APY: 3.50%; Payment Frequency: Maturity
Interest Rate: 3.55%; APY: 3.55%; Payment Frequency: Maturity
Silver Rate: 3.59%, Silver APY: 3.65%, Gold Rate: 3.64%, Gold APY: 3.70%, Platinum Rate: 3.69%, Platinum APY: 3.75%
Silver: 3.65% APY, Gold: 3.75% APY, Platinum: 3.75% APY
Colorado City 18 Month CD Rates
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Minimum balance to earn APY: $100,000
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Silver: 3.90% APY, Gold: 3.95% APY, Platinum: 4.00% APY
Limited time offer. New money only. Alero Financial membership required.
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 3.06%; Non-Rewards+ Loyalty Program APY1: 3.10%
Non-Rewards+ Loyalty Program Dividend rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.10%
Interest Rate: 3.50%; APY: 3.53%; Payment Frequency: Semiannually
Interest Rate: 3.55%; APY: 3.58%; Payment Frequency: Semiannually
Compounded Monthly
Colorado City 24 Month CD Rates
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Silver Rate: 3.73%, Silver APY: 3.80%, Gold Rate: 3.78%, Gold APY: 3.85%, Platinum Rate: 3.83%, Platinum APY: 3.90%
Silver: 3.80% APY, Gold: 3.85% APY, Platinum: 3.90% APY
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Interest Rate: 3.50%; APY: 3.50%; Payment Frequency: Annually
Interest Rate: 3.55%; APY: 3.55%; Payment Frequency: Annually
Minimum balance to earn APY: $100,000
Colorado City 36 Month CD Rates
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Minimum balance to earn APY: $100,000
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Interest Rate: 3.50%; APY: 3.50%; Payment Frequency: Annually
Silver Rate: 3.64%, Silver APY: 3.70%, Gold Rate: 3.69%, Gold APY: 3.75%, Platinum Rate: 3.73%, Platinum APY: 3.80%
Silver: 3.70% APY, Gold: 3.75% APY, Platinum: 3.80% APY
Interest Rate: 3.55%; APY: 3.55%; Payment Frequency: Annually
Minimum balance to earn APY: $100,000
Renewal Rate: 3.000 %, Renewal APY: 3.000 %
Colorado City 48 Month CD Rates
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Minimum balance to earn APY: $100,000
Silver Rate: 3.54%, Silver APY: 3.60%, Gold Rate: 3.59%, Gold APY: 3.65%, Platinum Rate: 3.64%, Platinum APY: 3.70%
Silver: 3.60% APY, Gold: 3.65% APY, Platinum: 3.70% APY
Compounded Monthly
Colorado City 60 Month CD Rates
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.96%; Non-Rewards+ Loyalty Program APY1: 3.00%
Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Interest Rate: 3.50%; APY: 3.50%; Payment Frequency: Annually
Interest Rate: 3.55%; APY: 3.55%; Payment Frequency: Annually
Minimum balance to earn APY: $100,000
Silver: 3.50% APY, Gold: 3.55% APY, Platinum: 3.60% APY
Silver Rate: 3.44%, Silver APY: 3.50%, Gold Rate: 3.49%, Gold APY: 3.55%, Platinum Rate: 3.54%, Platinum APY: 3.60%
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Colorado City, AZ CD Rate Trends
Compare local Colorado City, AZ 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.
Arizona 12-month CD rates fell 0.240 points over the past 7 days to 2.303% APY.
Arizona 6-month CD rates fell 0.128 points over the past 7 days to 1.193% APY.
AZ CD Rate Forecast — Next 12 Months
Where are Arizona CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 0.457% | $22.84 | $45.68 | $114.20 | $228.40 |
| 6-Month CD | 1.193% | $59.63 | $119.25 | $298.13 | $596.25 |
| 12-Month CD | 2.303% | $115.14 | $230.28 | $575.70 | $1,151.40 |
| 18-Month CD | 3.291% | $164.55 | $329.09 | $822.73 | $1,645.45 |
| 24-Month CD | 3.308% | $165.41 | $330.82 | $827.05 | $1,654.10 |
| 36-Month CD | 3.222% | $161.09 | $322.18 | $805.45 | $1,610.90 |
| 48-Month CD | 3.203% | $160.13 | $320.26 | $800.65 | $1,601.30 |
| 60-Month CD | 2.506% | $125.32 | $250.64 | $626.60 | $1,253.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Colorado City, 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 | 0.457% | $22.84 |
| 2 | 6-Month CD | $5,000 | 1.193% | $59.63 |
| 3 | 12-Month CD | $5,000 | 2.303% | $115.14 |
| 4 | 24-Month CD | $5,000 | 3.308% | $165.41 |
| 5 | 36-Month CD | $5,000 | 3.222% | $161.09 |
| Total ($25,000 invested) | $25,000 | 2.096% blended | $524.11/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.
Tracked in Colorado City, Arizona
About Our Colorado City, Arizona CD Rate Database
MonitorBankRates tracks 329 CD rates from 12 banks and 22 credit unions with locations in Colorado City, 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: Idaho Central Credit Union offers a CD at 4.20% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Colorado City, Arizona.
How to Find the Best CD Rates in Colorado City, Arizona
What to compare when shopping for a CD in Colorado City, Arizona
To find the best APYs in Colorado City, Arizona, start with credit unions and online-only banks — Colorado City, Arizona has 22 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 Colorado City, 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 Colorado City, Arizona — 34 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Colorado City, Arizona savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Colorado City, Arizona money market rates
Arizona Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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 2.303%, saving 10% of the local median salary ($4,547/year) and putting it in a CD would earn an additional $105 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 Colorado City, 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 |
How Certificates of Deposit Work in Colorado City, Arizona
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Colorado City, Arizona typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Colorado City, Arizona as everywhere in the U.S.
Choosing a CD Term in Colorado City, Arizona
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Colorado City, Arizona savers easier access to their funds. For example, Pima Federal Credit Union is offering its 6 months at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Firefighters First Federal Credit Union is offering its 5 Year IRA at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Colorado City, Arizona Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Colorado City, Arizona saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Colorado City, Arizona
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Colorado City, Arizona CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Colorado City, Arizona
Most CDs carry a fixed rate that is locked for the entire term, protecting a Colorado City, Arizona depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Colorado City, Arizona
Are CD rates in Colorado City, Arizona FDIC insured?
Do I have to pay state taxes on CD interest in Colorado City, Arizona?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Colorado City, Arizona?
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Pyramid Federal Credit Union: 4.07% APY (GOAL SHARE CERTIFICATE 1 Year)
- Firefighters First Federal Credit Union: 4.00% APY (5 Year Retirement Share Certificate)
- Pima Federal Credit Union: 4.00% APY (IRA Term Share Certificates 6 months)
- Goldwater Bank: 4.00% APY (CERTIFICATES OF DEPOSIT - 12 Month)
- Credit Union of Southern California: 4.00% APY (36 month)
- Rim Country Federal Credit Union: 3.96% APY (12 Mo IRA Share Certificate)
- America First Federal Credit Union: 3.95% APY (60 Months)
- Gainey Business Bank: 3.92% APY (60 month)
- UNIFY Financial Federal Credit Union: 3.91% APY (18-Month Variable)
CD Calculators for Colorado City, Arizona
At today’s AZ top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.
Colorado City, Arizona CD LadderAZ CD rates currently range from 0.457% (3-month) to 3.222% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Colorado City, Arizona CD at 4.20% 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 2.303% 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
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Colorado City, Arizona CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Colorado City, 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 sourcing data 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 Colorado City, 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.
Colorado City, Arizona Rates & Resources
