Mesa, Arizona Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
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 Mesa, Arizona CD rates include America First Federal Credit UnionAmerica First Federal Credit Union6846 E Warner Rd, Mesa, AZ 85212 2138A5.0 ★Texas Ratio: 7.26%Real return: +1.50%APY minus CPI (February 2026) offering 60 Months Certificate at 4.30% APY, SunWest Federal Credit UnionSunWest Federal Credit Union1253 S Gilbert Rd, Mesa, AZ 85204A+5.0 ★Texas Ratio: 3.53%Real return: +1.22%APY minus CPI (February 2026) offering 12 months at 4.02% APY, UMB BankUMB Bank1331 W Southern Ave, Mesa, AZ 85202A+5.0 ★Texas Ratio: 0.71%Real return: +1.05%APY minus CPI (February 2026) offering 3-MONTH TIME DEPOSIT ACCOUNT at 3.85% APY, Vantage West Credit UnionVantage West Credit Union1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700A5.0 ★Texas Ratio: 5.69%Real return: +1.01%APY minus CPI (February 2026) offering 60 Month CD - Relationship at 3.81% APY, and Banner Federal Credit UnionBanner Federal Credit Union2225 W Southern Ave, Mesa, AZ 85202A+5.0 ★Texas Ratio: 1.85%Real return: +0.95%APY minus CPI (February 2026) offering 1 Year at 3.75% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Mesa has 102 local institutions in our database, with CD rates as high as 4.30% APY from America First Federal Credit Union at 6846 E Warner Rd, Mesa, AZ 85212 2138. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Arizona area. 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: August 28, 2026
Compare Best CD Rates in Mesa, Arizona & the Surrounding Area
Mesa 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1331 W Southern Ave, Mesa, AZ 85202
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 3.01% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 3.01% above avgNationally 1.96%
Details
Special Offer. balances under $100k
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
901 Dobson, Mesa, AZ 85201
90 Days
$0
0.11%
▼ 0.73% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.73% below avgNationally 1.96%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1331 W Southern Ave, Mesa, AZ 85202
3 months
$0
0.10%
▼ 0.74% below Arizona avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.74% below avgNationally 1.96%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 0.78% below Arizona avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.78% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
3 month Standard Interest Rate
$2,500
0.06%
▼ 0.78% below Arizona avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.78% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 0.79% below Arizona avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.79% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
3 month Standard Interest Rate
$2,500
0.05%
▼ 0.79% below Arizona avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.79% below avgNationally 1.96%
Details
Relationship Interest Rate 0.06%
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00%
▲ 3.16% above Arizona avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 3.16% above avgNationally 1.96%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD - Loyalty Program Platinum Tier
$0
3.80%
▲ 2.96% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.96% above avgNationally 1.96%
Details
Interest Rate is Base Interest Rate + 0.50%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 month
$0
3.75%
▲ 2.91% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.91% above avgNationally 1.96%
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 month Certificate
$500
3.75%
▲ 2.91% above Arizona avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.91% above avgNationally 1.96%
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD - Loyalty Program Gold Tier
$0
3.70%
▲ 2.86% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.86% above avgNationally 1.96%
Details
Interest Rate is Base Interest Rate + 0.40%
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Month (91 Day) CD
$0
3.60%
▲ 2.76% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.76% above avgNationally 1.96%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Month CD
$0
3.60%
▲ 2.76% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.76% above avgNationally 1.96%
Details
Payment Frequency: Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD - Loyalty Program Silver Tier
$0
3.60%
▲ 2.76% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.76% above avgNationally 1.96%
Details
Interest Rate is Base Interest Rate + 0.30%
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Month (91 Day) CD
$0
3.55%
▲ 2.71% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.71% above avgNationally 1.96%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Month CD
$0
3.55%
▲ 2.71% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.71% above avgNationally 1.96%
Details
Payment Frequency: Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD - Loyalty Program Bronze Tier
$0
3.50%
▲ 2.66% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.66% above avgNationally 1.96%
Details
Interest Rate is Base Interest Rate + 0.20%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month CD
$0
3.29%
▲ 2.45% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.45% above avgNationally 1.96%
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Business 3-month CD
$0
3.14%
▲ 2.30% above Arizona avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 2.30% above avgNationally 1.96%
Details
Early Withdrawal Penalties: 90 days interest
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 month
$0
2.60%
▲ 1.76% above Arizona avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 1.76% above avgNationally 1.96%
Details
Non-Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 month Certificate
$500
2.60%
▲ 1.76% above Arizona avg
▼
Rate2.57%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 1.76% above avgNationally 1.96%
Details
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
3 Month Term
$0
2.56%
▲ 1.72% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▲ 1.72% above avgNationally 1.96%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months
$0
0.60%
▼ 0.24% below Arizona avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.24% below avgNationally 1.96%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months
$0
0.55%
▼ 0.29% below Arizona avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.29% below avgNationally 1.96%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months
$0
0.50%
▼ 0.34% below Arizona avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.34% below avgNationally 1.96%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months
$0
0.45%
▼ 0.39% below Arizona avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average0.84%▼ 0.39% below avgNationally 1.96%
Details
Mesa 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1253 S Gilbert Rd, Mesa, AZ 85204
6 months
$500
3.82%
▲ 2.15% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.15% above avgNationally 2.67%
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
6 Month CD - Relationship
$0
3.76%
▲ 2.09% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.09% above avgNationally 2.67%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
6 Mo
$0
3.75%
▲ 2.08% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.08% above avgNationally 2.67%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
6 Mo
$0
3.70%
▲ 2.03% above Arizona avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.03% above avgNationally 2.67%
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
4405 E McKellips Rd, Mesa, AZ 85215
6-Month Jumbo Certificate
$0
3.55%
▲ 1.88% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.88% above avgNationally 2.67%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
6 Month CD
$0
3.50%
▲ 1.83% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.83% above avgNationally 2.67%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
Business 6 Month CD
$0
3.50%
▲ 1.83% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.83% above avgNationally 2.67%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
6-Month IRA
$0
3.15%
▲ 1.48% above Arizona avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.48% above avgNationally 2.67%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
6-Month IRA
$0
3.10%
▲ 1.43% above Arizona avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.43% above avgNationally 2.67%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
6-Month IRA
$0
3.05%
▲ 1.38% above Arizona avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.38% above avgNationally 2.67%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
6-Month IRA
$0
3.00%
▲ 1.33% above Arizona avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.33% above avgNationally 2.67%
Details
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
6 months
$0
2.53%
▲ 0.86% above Arizona avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 0.86% above avgNationally 2.67%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
901 Dobson, Mesa, AZ 85201
180 Days
$0
1.55%
▼ 0.12% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▼ 0.12% below avgNationally 2.67%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
901 Dobson, Mesa, AZ 85201
6 Months
$0
1.50%
▼ 0.17% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▼ 0.17% below avgNationally 2.67%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1331 W Southern Ave, Mesa, AZ 85202
6 months
$0
0.10%
▼ 1.57% below Arizona avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▼ 1.57% below avgNationally 2.67%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
6 month Standard Interest Rate
$2,500
0.06%
▼ 1.61% below Arizona avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▼ 1.61% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.62% below Arizona avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▼ 1.62% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
6 month Standard Interest Rate
$2,500
0.05%
▼ 1.62% below Arizona avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▼ 1.62% below avgNationally 2.67%
Details
Relationship Interest Rate 0.05%
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
6-Month Share Certificate
$1,000
4.00%
▲ 2.33% above Arizona avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.33% above avgNationally 2.67%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 month
$0
4.00%
▲ 2.33% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.33% above avgNationally 2.67%
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 month Certificate
$500
4.00%
▲ 2.33% above Arizona avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.33% above avgNationally 2.67%
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6 Month Promo CD
$500
3.95%
▲ 2.28% above Arizona avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.28% above avgNationally 2.67%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
6 months
$50,000
3.85%
▲ 2.18% above Arizona avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.18% above avgNationally 2.67%
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6 Month Certificate
$0
3.82%
▲ 2.15% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.15% above avgNationally 2.67%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
6 months
$25,000
3.80%
▲ 2.13% above Arizona avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.13% above avgNationally 2.67%
Details
First Western Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6 Month
$0
3.78%
▲ 2.11% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.11% above avgNationally 2.67%
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Business 6-month CD
$0
3.76%
▲ 2.09% above Arizona avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.09% above avgNationally 2.67%
Details
Early Withdrawal Penalties: 180 days interest
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
6 Months
$0
3.76%
▲ 2.09% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.09% above avgNationally 2.67%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Term Share Certificates - 6 months
$0
3.75%
▲ 2.08% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.08% above avgNationally 2.67%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificate - 6 months
$250
3.75%
▲ 2.08% above Arizona avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.08% above avgNationally 2.67%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificates (CD) 6 months
$0
3.75%
▲ 2.08% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.08% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.75%
▲ 2.08% above Arizona avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.08% above avgNationally 2.67%
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
6 month
$500
3.75%
▲ 2.08% above Arizona avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.08% above avgNationally 2.67%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
6 months
$10,000
3.75%
▲ 2.08% above Arizona avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.08% above avgNationally 2.67%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$1,000
3.70%
▲ 2.03% above Arizona avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.03% above avgNationally 2.67%
Details
Limited time offer
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 months
$0
3.70%
▲ 2.03% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.03% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.70%
▲ 2.03% above Arizona avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.03% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month
$50,000
3.70%
▲ 2.03% above Arizona avg
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.03% above avgNationally 2.67%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
6 months
$500
3.70%
▲ 2.03% above Arizona avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 2.03% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$1,000
3.65%
▲ 1.98% above Arizona avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.98% above avgNationally 2.67%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60%
▲ 1.93% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.93% above avgNationally 2.67%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
6 Month (182 Day) CD
$0
3.58%
▲ 1.91% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.91% above avgNationally 2.67%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 6 Month CD
$0
3.58%
▲ 1.91% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.91% above avgNationally 2.67%
Details
Payment Frequency: Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
6 Month (182 Day) CD
$0
3.53%
▲ 1.86% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.86% above avgNationally 2.67%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 6 Month CD
$0
3.53%
▲ 1.86% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.86% above avgNationally 2.67%
Details
Payment Frequency: Maturity
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
6 Month
$0
3.51%
▲ 1.84% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.84% above avgNationally 2.67%
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
6 Month Certificate
$500
3.51%
▲ 1.84% above Arizona avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.84% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 Month CD
$500
3.50%
▲ 1.83% above Arizona avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.83% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 months
$0
3.50%
▲ 1.83% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.83% above avgNationally 2.67%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.50%
▲ 1.83% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average1.67%▲ 1.83% above avgNationally 2.67%
Details
Mesa 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1253 S Gilbert Rd, Mesa, AZ 85204
12 months
$500
4.02%
▲ 1.77% above Arizona avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.77% above avgNationally 2.83%
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
1 Year
$0
3.75%
▲ 1.50% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.50% above avgNationally 2.83%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
6&12 MO. CERTS
$10,000
3.75%
▲ 1.50% above Arizona avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.50% above avgNationally 2.83%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
1 Year
$0
3.70%
▲ 1.45% above Arizona avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.45% above avgNationally 2.83%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year IRA
$0
3.55%
▲ 1.30% above Arizona avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.30% above avgNationally 2.83%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
12 Month CD - Relationship
$0
3.51%
▲ 1.26% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.26% above avgNationally 2.83%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year IRA
$0
3.50%
▲ 1.25% above Arizona avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.25% above avgNationally 2.83%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year IRA
$0
3.45%
▲ 1.20% above Arizona avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.20% above avgNationally 2.83%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year IRA
$0
3.40%
▲ 1.15% above Arizona avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.15% above avgNationally 2.83%
Details
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
12 months
$0
3.30%
▲ 1.05% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.05% above avgNationally 2.83%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
12 Month CD
$0
3.25%
▲ 1.00% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.00% above avgNationally 2.83%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
Business 12 Month CD
$0
3.25%
▲ 1.00% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.00% above avgNationally 2.83%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
1 year Standard Fixed Rate CD
$2,500
1.51%
▼ 0.74% below Arizona avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▼ 0.74% below avgNationally 2.83%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
1 year Standard Interest Rate
$2,500
1.51%
▼ 0.74% below Arizona avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▼ 0.74% below avgNationally 2.83%
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 0.75% below Arizona avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▼ 0.75% below avgNationally 2.83%
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
121 S Power Rd, Mesa, AZ 85206
1 year Standard Interest Rate
$2,500
1.50%
▼ 0.75% below Arizona avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▼ 0.75% below avgNationally 2.83%
Details
Relationship Interest Rate 1.50%
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
901 Dobson, Mesa, AZ 85201
1 Year
$0
0.15%
▼ 2.10% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▼ 2.10% below avgNationally 2.83%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1331 W Southern Ave, Mesa, AZ 85202
12 months
$0
0.10%
▼ 2.15% below Arizona avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▼ 2.15% below avgNationally 2.83%
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
12 Month Promo CD
$500
4.15%
▲ 1.90% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.90% above avgNationally 2.83%
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Certificate
$0
4.08%
▲ 1.83% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.83% above avgNationally 2.83%
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
IRA Certificate 12 Month
$2,000
4.05%
▲ 1.80% above Arizona avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.80% above avgNationally 2.83%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 month
$0
4.00%
▲ 1.75% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.75% above avgNationally 2.83%
Details
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 month - Rewards+ Loyalty Program
$0
4.00%
▲ 1.75% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.75% above avgNationally 2.83%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 month Certificate
$500
4.00%
▲ 1.75% above Arizona avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.75% above avgNationally 2.83%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year
$0
3.91%
▲ 1.66% above Arizona avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.66% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89%
▲ 1.64% above Arizona avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.64% above avgNationally 2.83%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1 year
$50,000
3.85%
▲ 1.60% above Arizona avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.60% above avgNationally 2.83%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Rookie Share Certificate
$0
3.80%
▲ 1.55% above Arizona avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.55% above avgNationally 2.83%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month
$1,000
3.80%
▲ 1.55% above Arizona avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.55% above avgNationally 2.83%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 12 Month
$50,000
3.80%
▲ 1.55% above Arizona avg
▼
Rate3.74%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.55% above avgNationally 2.83%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1 year
$25,000
3.80%
▲ 1.55% above Arizona avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.55% above avgNationally 2.83%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Mo. Certificate
$0
3.77%
▲ 1.52% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.52% above avgNationally 2.83%
Details
Rates on these accounts are the highest offered on our certificate accounts.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month Certificate Account
$0
3.77%
▲ 1.52% above Arizona avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.52% above avgNationally 2.83%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month IRA Certificate Account
$0
3.77%
▲ 1.52% above Arizona avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.52% above avgNationally 2.83%
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
12 Months
$0
3.76%
▲ 1.51% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.51% above avgNationally 2.83%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Term Share Certificates - 12 months
$0
3.75%
▲ 1.50% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.50% above avgNationally 2.83%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificate - 12 months
$250
3.75%
▲ 1.50% above Arizona avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.50% above avgNationally 2.83%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificates (CD) 12 months
$0
3.75%
▲ 1.50% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.50% above avgNationally 2.83%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1 year
$10,000
3.75%
▲ 1.50% above Arizona avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.50% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.74%
▲ 1.49% above Arizona avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.49% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.74%
▲ 1.49% above Arizona avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.49% above avgNationally 2.83%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Mo. Certificate
$0
3.72%
▲ 1.47% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.47% above avgNationally 2.83%
Details
Enjoy higher dividend rates on this account for having a bigger balance.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month Certificate Account
$0
3.72%
▲ 1.47% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.47% above avgNationally 2.83%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month IRA Certificate Account
$0
3.72%
▲ 1.47% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.47% above avgNationally 2.83%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year
$0
3.70%
▲ 1.45% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.45% above avgNationally 2.83%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1 year
$500
3.70%
▲ 1.45% above Arizona avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.45% above avgNationally 2.83%
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Business 12-month CD
$0
3.67%
▲ 1.42% above Arizona avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.42% above avgNationally 2.83%
Details
Early Withdrawal Penalties: 180 days interest
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month Certificate
$1,000
3.67%
▲ 1.42% above Arizona avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.42% above avgNationally 2.83%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month Certificate Account
$0
3.67%
▲ 1.42% above Arizona avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.42% above avgNationally 2.83%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month IRA Certificate Account
$0
3.67%
▲ 1.42% above Arizona avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average2.25%▲ 1.42% above avgNationally 2.83%
Details
Mesa 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
18 Month IRA CD
$0
3.50%
▼ 0.23% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.23% below avgNationally 2.67%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
18 Mo
$0
3.50%
▼ 0.23% below Arizona avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.23% below avgNationally 2.67%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
18 Mo
$0
3.45%
▼ 0.28% below Arizona avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.28% below avgNationally 2.67%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
901 Dobson, Mesa, AZ 85201
18 Months
$0
2.05%
▼ 1.68% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 1.68% below avgNationally 2.67%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Term Share Certificates - 18 months
$0
4.25%
▲ 0.52% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.52% above avgNationally 2.67%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificate - 18 months
$250
4.25%
▲ 0.52% above Arizona avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.52% above avgNationally 2.67%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificates (CD) 18 months
$0
4.25%
▲ 0.52% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.52% above avgNationally 2.67%
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Promo CD
$500
4.20%
▲ 0.47% above Arizona avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.47% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00%
▲ 0.27% above Arizona avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.27% above avgNationally 2.67%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month
$0
4.00%
▲ 0.27% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.27% above avgNationally 2.67%
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month - Rewards+ Loyalty Program
$0
4.00%
▲ 0.27% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.27% above avgNationally 2.67%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month Certificate
$500
4.00%
▲ 0.27% above Arizona avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.27% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95%
▲ 0.22% above Arizona avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.22% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95%
▲ 0.22% above Arizona avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.22% above avgNationally 2.67%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month
$1,000
3.90%
▲ 0.17% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.17% above avgNationally 2.67%
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
18 Months
$0
3.76%
▲ 0.03% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.03% above avgNationally 2.67%
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month CD
$0
3.75%
▲ 0.02% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▲ 0.02% above avgNationally 2.67%
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
18 Months
$0
3.60%
▼ 0.13% below Arizona avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.13% below avgNationally 2.67%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
18 Month CD
$0
3.58%
▼ 0.15% below Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.15% below avgNationally 2.67%
Details
Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 18 Month CD
$0
3.58%
▼ 0.15% below Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.15% below avgNationally 2.67%
Details
Payment Frequency: Semiannually
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
IRA Certificate 18 Month
$2,000
3.55%
▼ 0.18% below Arizona avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.18% below avgNationally 2.67%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
18 Month CD
$0
3.53%
▼ 0.20% below Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.20% below avgNationally 2.67%
Details
Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 18 Month CD
$0
3.53%
▼ 0.20% below Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.20% below avgNationally 2.67%
Details
Payment Frequency: Semiannually
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 month
$500
3.50%
▼ 0.23% below Arizona avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.23% below avgNationally 2.67%
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Business 18-month CD
$0
3.38%
▼ 0.35% below Arizona avg
▼
Rate3.33%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.35% below avgNationally 2.67%
Details
Early Withdrawal Penalties: 180 days interest
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
18 Month Term
$0
3.31%
▼ 0.42% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.42% below avgNationally 2.67%
Details
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
18-Month Certificate
$0
3.25%
▼ 0.48% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.48% below avgNationally 2.67%
Details
Example rate for Share Certificate Ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
18 Month TSC or IRA TSC
$10,000
3.20%
▼ 0.53% below Arizona avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.53% below avgNationally 2.67%
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
18 Month TSC or IRA TSC
$500
3.15%
▼ 0.58% below Arizona avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.58% below avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
18 months
$0
3.05%
▼ 0.68% below Arizona avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.68% below avgNationally 2.67%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month
$0
3.00%
▼ 0.73% below Arizona avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.73% below avgNationally 2.67%
Details
Rewards+ Loyalty Program Dividend rate: 3.93%, Rewards+ Loyalty Program APY: 4.00%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month Certificate
$500
3.00%
▼ 0.73% below Arizona avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 0.73% below avgNationally 2.67%
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18 Month Term CD
$1,000
2.71%
▼ 1.02% below Arizona avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 1.02% below avgNationally 2.67%
Details
Compounded Monthly
Parkway Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
18 Month
$0
1.00%
▼ 2.73% below Arizona avg
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 2.73% below avgNationally 2.67%
Details
Interest Rate as of 1/16/26
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Share Certificates 18 Months
$0
0.40%
▼ 3.33% below Arizona avg
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.73%▼ 3.33% below avgNationally 2.67%
Details
Mesa 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1253 S Gilbert Rd, Mesa, AZ 85204
24 months
$500
4.02%
▲ 0.73% above Arizona avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.73% above avgNationally 2.71%
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
24 Month CD - Relationship
$0
3.61%
▲ 0.32% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.32% above avgNationally 2.71%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
24 Month Jump Up CD - Relationship
$0
3.51%
▲ 0.22% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.22% above avgNationally 2.71%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
2 Years
$0
3.50%
▲ 0.21% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.21% above avgNationally 2.71%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
2 Years
$0
3.45%
▲ 0.16% above Arizona avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.16% above avgNationally 2.71%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
24 Month CD
$0
3.35%
▲ 0.06% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.06% above avgNationally 2.71%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
Business 24 Month CD
$0
3.35%
▲ 0.06% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.06% above avgNationally 2.71%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
24 Month Jump Up CD
$0
3.25%
▼ 0.04% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▼ 0.04% below avgNationally 2.71%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
Business 24 Month Jump Up CD
$0
3.25%
▼ 0.04% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▼ 0.04% below avgNationally 2.71%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
2-Year IRA
$0
3.05%
▼ 0.24% below Arizona avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▼ 0.24% below avgNationally 2.71%
Details
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
24 months
$0
3.04%
▼ 0.25% below Arizona avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▼ 0.25% below avgNationally 2.71%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
2-Year IRA
$0
3.00%
▼ 0.29% below Arizona avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▼ 0.29% below avgNationally 2.71%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
2-Year IRA
$0
2.95%
▼ 0.34% below Arizona avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▼ 0.34% below avgNationally 2.71%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
2-Year IRA
$0
2.90%
▼ 0.39% below Arizona avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▼ 0.39% below avgNationally 2.71%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
901 Dobson, Mesa, AZ 85201
2 Years
$0
1.55%
▼ 1.74% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▼ 1.74% below avgNationally 2.71%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1331 W Southern Ave, Mesa, AZ 85202
24 months
$0
0.15%
▼ 3.14% below Arizona avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▼ 3.14% below avgNationally 2.71%
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
24-month CD
$1,000
4.25%
▲ 0.96% above Arizona avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.96% above avgNationally 2.71%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Term Share Certificates - 24 months
$0
4.25%
▲ 0.96% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.96% above avgNationally 2.71%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificate - 24 months
$250
4.25%
▲ 0.96% above Arizona avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.96% above avgNationally 2.71%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificates (CD) 24 months
$0
4.25%
▲ 0.96% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.96% above avgNationally 2.71%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 month
$0
4.25%
▲ 0.96% above Arizona avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.96% above avgNationally 2.71%
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 month - Rewards+ Loyalty Program
$0
4.25%
▲ 0.96% above Arizona avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.96% above avgNationally 2.71%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 month Certificate
$500
4.25%
▲ 0.96% above Arizona avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.96% above avgNationally 2.71%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10%
▲ 0.81% above Arizona avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.81% above avgNationally 2.71%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05%
▲ 0.76% above Arizona avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.76% above avgNationally 2.71%
Details
First Western Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
24 Month
$0
4.00%
▲ 0.71% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.71% above avgNationally 2.71%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00%
▲ 0.71% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.71% above avgNationally 2.71%
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
24 Month Promo CD
$500
4.00%
▲ 0.71% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.71% above avgNationally 2.71%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90%
▲ 0.61% above Arizona avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.61% above avgNationally 2.71%
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 Months
$0
3.82%
▲ 0.53% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.53% above avgNationally 2.71%
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
24 Month Certificate
$0
3.82%
▲ 0.53% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.53% above avgNationally 2.71%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75%
▲ 0.46% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.46% above avgNationally 2.71%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2 years
$0
3.70%
▲ 0.41% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.41% above avgNationally 2.71%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
2 years
$50,000
3.60%
▲ 0.31% above Arizona avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.31% above avgNationally 2.71%
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
2 Year Certificate
$500
3.60%
▲ 0.31% above Arizona avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.31% above avgNationally 2.71%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Mo. Certificate
$0
3.56%
▲ 0.27% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.27% above avgNationally 2.71%
Details
Rates on these accounts are the highest offered on our certificate accounts.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Month Certificate Account
$0
3.56%
▲ 0.27% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.27% above avgNationally 2.71%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Month IRA Certificate Account
$0
3.56%
▲ 0.27% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.27% above avgNationally 2.71%
Details
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month Term
$0
3.56%
▲ 0.27% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.27% above avgNationally 2.71%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2 Year (24 Month) CD
$0
3.55%
▲ 0.26% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.26% above avgNationally 2.71%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 2 Year CD
$0
3.55%
▲ 0.26% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.26% above avgNationally 2.71%
Details
Payment Frequency: Annually
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
IRA Certificate 24 Month
$2,000
3.55%
▲ 0.26% above Arizona avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.26% above avgNationally 2.71%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
2 years
$25,000
3.55%
▲ 0.26% above Arizona avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.26% above avgNationally 2.71%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Mo. Certificate
$0
3.51%
▲ 0.22% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.22% above avgNationally 2.71%
Details
Enjoy higher dividend rates on this account for having a bigger balance.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Month Certificate Account
$0
3.51%
▲ 0.22% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.22% above avgNationally 2.71%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Month IRA Certificate Account
$0
3.51%
▲ 0.22% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.22% above avgNationally 2.71%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2 Year (24 Month) CD
$0
3.50%
▲ 0.21% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.21% above avgNationally 2.71%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 2 Year CD
$0
3.50%
▲ 0.21% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.21% above avgNationally 2.71%
Details
Payment Frequency: Annually
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
24 month
$500
3.50%
▲ 0.21% above Arizona avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.21% above avgNationally 2.71%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
2 years
$10,000
3.50%
▲ 0.21% above Arizona avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.29%▲ 0.21% above avgNationally 2.71%
Details
Mesa 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1253 S Gilbert Rd, Mesa, AZ 85204
36 months
$500
4.02%
▲ 0.74% above Arizona avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.74% above avgNationally 2.66%
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
36 Month CD - Relationship
$0
3.71%
▲ 0.43% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.43% above avgNationally 2.66%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
36 Month Jump Up CD - Relationship
$0
3.56%
▲ 0.28% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.28% above avgNationally 2.66%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
36 Month CD
$0
3.45%
▲ 0.17% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.17% above avgNationally 2.66%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
36 Month IRA CD
$0
3.45%
▲ 0.17% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.17% above avgNationally 2.66%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
Business 36 Month CD
$0
3.45%
▲ 0.17% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.17% above avgNationally 2.66%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
36 Month Jump Up CD
$0
3.30%
▲ 0.02% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.02% above avgNationally 2.66%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
Business 36 Month Jump Up CD
$0
3.30%
▲ 0.02% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.02% above avgNationally 2.66%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
3 Years
$0
3.00%
▼ 0.28% below Arizona avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 0.28% below avgNationally 2.66%
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
2225 W Southern Ave, Mesa, AZ 85202
3 Years
$0
2.95%
▼ 0.33% below Arizona avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 0.33% below avgNationally 2.66%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Year IRA
$0
2.70%
▼ 0.58% below Arizona avg
▼
Rate2.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 0.58% below avgNationally 2.66%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Year IRA
$0
2.65%
▼ 0.63% below Arizona avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 0.63% below avgNationally 2.66%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Year IRA
$0
2.60%
▼ 0.68% below Arizona avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 0.68% below avgNationally 2.66%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Year IRA
$0
2.55%
▼ 0.73% below Arizona avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 0.73% below avgNationally 2.66%
Details
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
36 months
$0
2.53%
▼ 0.75% below Arizona avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 0.75% below avgNationally 2.66%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
901 Dobson, Mesa, AZ 85201
3 Years
$0
1.55%
▼ 1.73% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 1.73% below avgNationally 2.66%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1331 W Southern Ave, Mesa, AZ 85202
36 months
$0
0.15%
▼ 3.13% below Arizona avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 3.13% below avgNationally 2.66%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 month
$0
4.25%
▲ 0.97% above Arizona avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.97% above avgNationally 2.66%
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 month - Rewards+ Loyalty Program
$0
4.25%
▲ 0.97% above Arizona avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.97% above avgNationally 2.66%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 month Certificate
$500
4.25%
▲ 0.97% above Arizona avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.97% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10%
▲ 0.82% above Arizona avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.82% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05%
▲ 0.77% above Arizona avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.77% above avgNationally 2.66%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Term Share Certificates - 36 months
$0
4.00%
▲ 0.72% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.72% above avgNationally 2.66%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificate - 36 months
$250
4.00%
▲ 0.72% above Arizona avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.72% above avgNationally 2.66%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificates (CD) 36 months
$0
4.00%
▲ 0.72% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.72% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00%
▲ 0.72% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.72% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00%
▲ 0.72% above Arizona avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.72% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
3.95%
▲ 0.67% above Arizona avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.67% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95%
▲ 0.67% above Arizona avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.67% above avgNationally 2.66%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$1,000
3.90%
▲ 0.62% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.62% above avgNationally 2.66%
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 Months
$0
3.87%
▲ 0.59% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.59% above avgNationally 2.66%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86%
▲ 0.58% above Arizona avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.58% above avgNationally 2.66%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71%
▲ 0.43% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.43% above avgNationally 2.66%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 years
$0
3.70%
▲ 0.42% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.42% above avgNationally 2.66%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
3 years
$50,000
3.65%
▲ 0.37% above Arizona avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.37% above avgNationally 2.66%
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3 Year Certificate
$500
3.65%
▲ 0.37% above Arizona avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.37% above avgNationally 2.66%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
3 years
$500
3.60%
▲ 0.32% above Arizona avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.32% above avgNationally 2.66%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Year (36 Month) CD
$0
3.55%
▲ 0.27% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.27% above avgNationally 2.66%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Year CD
$0
3.55%
▲ 0.27% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.27% above avgNationally 2.66%
Details
Payment Frequency: Annually
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
3 years
$10,000
3.55%
▲ 0.27% above Arizona avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.27% above avgNationally 2.66%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Year (36 Month) CD
$0
3.50%
▲ 0.22% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.22% above avgNationally 2.66%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Year CD
$0
3.50%
▲ 0.22% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.22% above avgNationally 2.66%
Details
Payment Frequency: Annually
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
36 Month TSC or IRA TSC
$10,000
3.35%
▲ 0.07% above Arizona avg
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.07% above avgNationally 2.66%
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Business 36-month CD
$0
3.30%
▲ 0.02% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.02% above avgNationally 2.66%
Details
Early Withdrawal Penalties: 360 days interest
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
36 Mo. Certificate
$0
3.30%
▲ 0.02% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.02% above avgNationally 2.66%
Details
Rates on these accounts are the highest offered on our certificate accounts.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
36 Month Certificate Account
$0
3.30%
▲ 0.02% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.02% above avgNationally 2.66%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
36 Month IRA Certificate Account
$0
3.30%
▲ 0.02% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.02% above avgNationally 2.66%
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
36 Month TSC or IRA TSC
$500
3.30%
▲ 0.02% above Arizona avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▲ 0.02% above avgNationally 2.66%
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
36 Mo. Certificate
$0
3.25%
▼ 0.03% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 0.03% below avgNationally 2.66%
Details
Enjoy higher dividend rates on this account for having a bigger balance.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
36 Month Certificate Account
$0
3.25%
▼ 0.03% below Arizona avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.28%▼ 0.03% below avgNationally 2.66%
Details
Mesa 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.85%
▼ 0.28% below Arizona avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.28% below avgNationally 2.65%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.80%
▼ 0.33% below Arizona avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.33% below avgNationally 2.65%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.75%
▼ 0.38% below Arizona avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.38% below avgNationally 2.65%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.70%
▼ 0.43% below Arizona avg
▼
Rate2.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.43% below avgNationally 2.65%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
901 Dobson, Mesa, AZ 85201
4 Years
$0
1.55%
▼ 1.58% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 1.58% below avgNationally 2.65%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1331 W Southern Ave, Mesa, AZ 85202
48 months
$0
0.20%
▼ 2.93% below Arizona avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 2.93% below avgNationally 2.65%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month
$0
4.25%
▲ 1.12% above Arizona avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 1.12% above avgNationally 2.65%
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month - Rewards+ Loyalty Program
$0
4.25%
▲ 1.12% above Arizona avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 1.12% above avgNationally 2.65%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month Certificate
$500
4.25%
▲ 1.12% above Arizona avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 1.12% above avgNationally 2.65%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Term Share Certificates - 48 months
$0
4.00%
▲ 0.87% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.87% above avgNationally 2.65%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificate - 48 months
$250
4.00%
▲ 0.87% above Arizona avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.87% above avgNationally 2.65%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificates (CD) 48 months
$0
4.00%
▲ 0.87% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.87% above avgNationally 2.65%
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
48 Months
$0
3.92%
▲ 0.79% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.79% above avgNationally 2.65%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86%
▲ 0.73% above Arizona avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.73% above avgNationally 2.65%
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
4 Year Certificate
$500
3.75%
▲ 0.62% above Arizona avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.62% above avgNationally 2.65%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71%
▲ 0.58% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.58% above avgNationally 2.65%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4 years
$0
3.70%
▲ 0.57% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.57% above avgNationally 2.65%
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Business 48-month CD
$0
3.45%
▲ 0.32% above Arizona avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.32% above avgNationally 2.65%
Details
Early Withdrawal Penalties: 360 days interest
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
48 Month TSC or IRA TSC
$10,000
3.40%
▲ 0.27% above Arizona avg
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.27% above avgNationally 2.65%
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
48 Month TSC or IRA TSC
$500
3.35%
▲ 0.22% above Arizona avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.22% above avgNationally 2.65%
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
4 Year Share Certificate
$0
3.25%
▲ 0.12% above Arizona avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▲ 0.12% above avgNationally 2.65%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
48 months
$0
2.90%
▼ 0.23% below Arizona avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.23% below avgNationally 2.65%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month
$0
2.85%
▼ 0.28% below Arizona avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.28% below avgNationally 2.65%
Details
Rewards+ Loyalty Program Dividend rate: 4.17%, Rewards+ Loyalty Program APY: 4.25%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month Certificate
$500
2.85%
▼ 0.28% below Arizona avg
▼
Rate2.81%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.28% below avgNationally 2.65%
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
48 month
$500
2.50%
▼ 0.63% below Arizona avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.63% below avgNationally 2.65%
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
48 Months
$0
2.50%
▼ 0.63% below Arizona avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.63% below avgNationally 2.65%
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
48 Month Term CD
$1,000
2.20%
▼ 0.93% below Arizona avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 0.93% below avgNationally 2.65%
Details
Compounded Monthly
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
48 Months - Platinum Tier
$0
1.95%
▼ 1.18% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 1.18% below avgNationally 2.65%
Details
Interest Rate is Base Interest Rate + 0.50%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
48 Months - Gold Tier
$0
1.85%
▼ 1.28% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 1.28% below avgNationally 2.65%
Details
Interest Rate is Base Interest Rate + 0.40%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
48 Months - Silver Tier
$0
1.75%
▼ 1.38% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 1.38% below avgNationally 2.65%
Details
Interest Rate is Base Interest Rate + 0.30%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
48 Months - Bronze Tier
$0
1.65%
▼ 1.48% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 1.48% below avgNationally 2.65%
Details
Interest Rate is Base Interest Rate + 0.20%
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
IRA Term Certificate 4 Year
$0
1.51%
▼ 1.62% below Arizona avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 1.62% below avgNationally 2.65%
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
48 Months
$0
1.45%
▼ 1.68% below Arizona avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 1.68% below avgNationally 2.65%
Details
Parkway Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
48 Month
$0
1.00%
▼ 2.13% below Arizona avg
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.13%▼ 2.13% below avgNationally 2.65%
Details
Interest Rate as of 1/16/26
Mesa 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Months Certificate
$500
4.30%
▲ 0.99% above Arizona avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.99% above avgNationally 2.76%
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Months
$500
4.15%
▲ 0.84% above Arizona avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.84% above avgNationally 2.76%
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1253 S Gilbert Rd, Mesa, AZ 85204
60 months
$500
4.02%
▲ 0.71% above Arizona avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.71% above avgNationally 2.76%
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
60 Month CD - Relationship
$0
3.81%
▲ 0.50% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.50% above avgNationally 2.76%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
60 Month CD
$0
3.55%
▲ 0.24% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.24% above avgNationally 2.76%
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
1239 E McKellips Rd Ste 110, Mesa, AZ 85203 2700
Business 60 Month CD
$0
3.55%
▲ 0.24% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.24% above avgNationally 2.76%
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
4440 E Main St, Mesa, AZ 85205
Business 60 Months
$0
3.30%
▼ 0.01% below Arizona avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.01% below avgNationally 2.76%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year IRA
$0
3.25%
▼ 0.06% below Arizona avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.06% below avgNationally 2.76%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year IRA
$0
3.20%
▼ 0.11% below Arizona avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.11% below avgNationally 2.76%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year IRA
$0
3.15%
▼ 0.16% below Arizona avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.16% below avgNationally 2.76%
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
4440 E Main St, Mesa, AZ 85205
Business 60 Months
$0
3.15%
▼ 0.16% below Arizona avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.16% below avgNationally 2.76%
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year IRA
$0
3.10%
▼ 0.21% below Arizona avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.21% below avgNationally 2.76%
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
4440 E Main St, Mesa, AZ 85205
Business 60 Months
$0
3.00%
▼ 0.31% below Arizona avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.31% below avgNationally 2.76%
Details
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
60 months
$0
2.02%
▼ 1.29% below Arizona avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 1.29% below avgNationally 2.76%
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
901 Dobson, Mesa, AZ 85201
5 Years
$0
1.55%
▼ 1.76% below Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 1.76% below avgNationally 2.76%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1331 W Southern Ave, Mesa, AZ 85202
60 months
$0
0.25%
▼ 3.06% below Arizona avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 3.06% below avgNationally 2.76%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month
$0
4.25%
▲ 0.94% above Arizona avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.94% above avgNationally 2.76%
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month - Rewards+ Loyalty Program
$0
4.25%
▲ 0.94% above Arizona avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.94% above avgNationally 2.76%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month Certificate
$500
4.25%
▲ 0.94% above Arizona avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.94% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.10%
▲ 0.79% above Arizona avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.79% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05%
▲ 0.74% above Arizona avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.74% above avgNationally 2.76%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Term Share Certificates - 60 months
$0
4.00%
▲ 0.69% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.69% above avgNationally 2.76%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificate - 60 months
$250
4.00%
▲ 0.69% above Arizona avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.69% above avgNationally 2.76%
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Term Share Certificates (CD) 60 months
$0
4.00%
▲ 0.69% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.69% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00%
▲ 0.69% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.69% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00%
▲ 0.69% above Arizona avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.69% above avgNationally 2.76%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97%
▲ 0.66% above Arizona avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.66% above avgNationally 2.76%
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
60 Months
$0
3.97%
▲ 0.66% above Arizona avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.66% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
3.95%
▲ 0.64% above Arizona avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.64% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$50,000
3.95%
▲ 0.64% above Arizona avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.64% above avgNationally 2.76%
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$1,000
3.90%
▲ 0.59% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.59% above avgNationally 2.76%
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
60 Month Promo CD
$500
3.90%
▲ 0.59% above Arizona avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.59% above avgNationally 2.76%
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
5 Year Certificate
$500
3.85%
▲ 0.54% above Arizona avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.54% above avgNationally 2.76%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81%
▲ 0.50% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.50% above avgNationally 2.76%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
5 years
$50,000
3.75%
▲ 0.44% above Arizona avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.44% above avgNationally 2.76%
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5 years
$0
3.70%
▲ 0.39% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.39% above avgNationally 2.76%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
5 years
$25,000
3.70%
▲ 0.39% above Arizona avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.39% above avgNationally 2.76%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
5 years
$10,000
3.65%
▲ 0.34% above Arizona avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.34% above avgNationally 2.76%
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
5 years
$500
3.60%
▲ 0.29% above Arizona avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.29% above avgNationally 2.76%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
5 Year (60 Month) CD
$0
3.55%
▲ 0.24% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.24% above avgNationally 2.76%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 5 Year CD
$0
3.55%
▲ 0.24% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.24% above avgNationally 2.76%
Details
Payment Frequency: Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
5 Year (60 Month) CD
$0
3.50%
▲ 0.19% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.19% above avgNationally 2.76%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 5 Year CD
$0
3.50%
▲ 0.19% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.19% above avgNationally 2.76%
Details
Payment Frequency: Annually
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Business 60-month CD
$0
3.45%
▲ 0.14% above Arizona avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▲ 0.14% above avgNationally 2.76%
Details
Early Withdrawal Penalties: 360 days interest
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
60 Month TSC or IRA TSC
$10,000
3.30%
▼ 0.01% below Arizona avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.01% below avgNationally 2.76%
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
5 Year Share Certificate
$0
3.25%
▼ 0.06% below Arizona avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.06% below avgNationally 2.76%
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
60 Month TSC or IRA TSC
$500
3.25%
▼ 0.06% below Arizona avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.06% below avgNationally 2.76%
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
60-Mo Trad/Roth IRA CD
$2,500
3.00%
▼ 0.31% below Arizona avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.31% below avgNationally 2.76%
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month
$0
3.00%
▼ 0.31% below Arizona avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.31% below avgNationally 2.76%
Details
Rewards+ Loyalty Program Dividend rate: 4.17%, Rewards+ Loyalty Program APY: 4.25%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month Certificate
$500
3.00%
▼ 0.31% below Arizona avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Arizona Average3.31%▼ 0.31% below avgNationally 2.76%
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.
Mesa, AZ CD Rate Trends
Compare local Mesa, 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.
12-Month CD — AZ Avg
2.253%
▼ 1.031 vs 7 days ago
Arizona 12-month CD rates fell 1.031 points over the past 7 days to 2.253% APY.
6-Month CD — AZ Avg
1.671%
▼ 1.581 vs 7 days ago
Arizona 6-month CD rates fell 1.581 points over the past 7 days to 1.671% APY.
As of Aug 30, 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 August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AZ 12-Month Avg APY
2.253%
6-Month Forecast
2.253%
Range: 2.05% – 2.40%
12-Month Forecast
2.003%
Range: 1.80% – 2.15%
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 | 0.840% | $41.98 | $83.95 | $209.88 | $419.75 |
| 6-Month CD | 1.671% | $83.55 | $167.10 | $417.75 | $835.50 |
| 12-Month CD | 2.253% | $112.65 | $225.30 | $563.25 | $1,126.50 |
| 18-Month CD | 3.728% | $186.40 | $372.80 | $932.00 | $1,864.00 |
| 24-Month CD | 3.286% | $164.31 | $328.61 | $821.53 | $1,643.05 |
| 36-Month CD | 3.280% | $163.98 | $327.97 | $819.93 | $1,639.85 |
| 48-Month CD | 3.133% | $156.65 | $313.30 | $783.25 | $1,566.50 |
| 60-Month CD | 3.311% | $165.53 | $331.05 | $827.63 | $1,655.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Mesa, 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 | 0.840% | $41.98 |
| 2 | 6-Month CD | $5,000 | 1.671% | $83.55 |
| 3 | 12-Month CD | $5,000 | 2.253% | $112.65 |
| 4 | 24-Month CD | $5,000 | 3.286% | $164.31 |
| 5 | 36-Month CD | $5,000 | 3.280% | $163.98 |
| Total ($25,000 invested) | $25,000 | 2.266% blended | $566.47/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.
393
CD Rates
Tracked in Mesa, Arizona
Tracked in Mesa, Arizona
12 Banks
30 Credit Unions
About Our Mesa, Arizona CD Rate Database
MonitorBankRates tracks 393 CD rates from 12 banks and 30 credit unions with locations in Mesa, 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: America First Federal Credit Union offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Mesa, Arizona.
How to Find the Best CD Rates in Mesa, Arizona
What to compare when shopping for a CD in Mesa, Arizona
To find the best APYs in Mesa, Arizona, start with credit unions and online-only banks — Mesa, Arizona has 30 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 Mesa, 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 Mesa, Arizona — 42 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Mesa, Arizona savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Mesa, Arizona money market rates
Mesa, Arizona Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.5%
National avg: 17.3%
Median Individual Earnings
$43,958
National avg: $47,340
Poverty Rate
10.3%
National avg: 11.1%
Unemployment Rate
4.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$99/yr
At AZ 12-mo avg 2.253% APY
17.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s AZ 12-month CD average of 2.253%, saving 10% of the local median salary ($4,395/year) and putting it in a CD would earn an additional $99 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 Mesa, 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 Mesa, 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 Mesa, 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 Mesa, Arizona as everywhere in the U.S.
Choosing a CD Term in Mesa, 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 Mesa, Arizona savers easier access to their funds. For example, SunWest Federal Credit Union is offering its 6 months at 3.82% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, America First Federal Credit Union is offering its 60 Months Certificate at 4.30% 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 Mesa, 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 Mesa, 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 Mesa, 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 Mesa, 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 Mesa, Arizona
Most CDs carry a fixed rate that is locked for the entire term, protecting a Mesa, 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 Mesa, Arizona
Are CD rates in Mesa, Arizona FDIC insured?
Yes, most established banks in Mesa, 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 Mesa, 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 Mesa, 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 Mesa, 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 Mesa, Arizona?
Here are recent top rates found for this area:
- America First Federal Credit Union: 4.30% APY (60 Months Certificate)
- SunWest Federal Credit Union: 4.02% APY (12 months)
- UMB Bank: 3.85% APY (3-MONTH TIME DEPOSIT ACCOUNT)
- Vantage West Credit Union: 3.81% APY (60 Month CD - Relationship)
- Banner Federal Credit Union: 3.75% APY (1 Year)
- Nuvision Federal Credit Union: 3.55% APY (1-Year IRA)
- Desert Financial Credit Union: 3.55% APY (6-Month Jumbo Certificate)
- Gateway Commercial Bank: 3.30% APY (12 months)
- Global Federal Credit Union: 3.30% APY (Business 60 Months)
- BOK Financial: 2.05% APY (18 Months)
Rates reflect recent verified offers available in Mesa, Arizona. Last Updated: August 28, 2026
Mesa, Arizona CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Mesa, Arizona rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Mesa, Arizona
Mesa, 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.
Mesa, Arizona CD LadderAZ CD rates currently range from 0.840% (3-month) to 3.280% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mesa, 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 2.253% 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 Mesa, 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 Mesa, 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 Mesa, 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: August 28, 2026
Mesa, Arizona Rates & Resources
Rate Assistant
MonitorBankRates.com · Live Data
Try asking