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CD Rate Trends

Oro Valley, Arizona Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Oro Valley, Arizona CD rates range from 0.01% to 4.80% APY, verified by MonitorBankRates as of October 12, 2026. Current Oro Valley, Arizona CD rates include TUCSONTUCSON2150 E TANGERINE RD, ORO VALLEY, AZ 85755A+5.0 ★Texas Ratio: 5.69%Real return: +2.00%APY minus CPI (February 2026) offering 5 Year Business Certificate at 4.80% APY, Pima Federal Credit UnionPima Federal Credit Union11025 N Oracle Rd, Oro Valley, AZ 85737A+5.0 ★Texas Ratio: 3.94%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Term Share Certificates at 4.25% APY, Vantage West Credit UnionVantage West Credit Union11165 N La Canada Dr, Oro Valley, AZ 85737 7354A+5.0 ★Texas Ratio: 5.26%Real return: +1.00%APY minus CPI (February 2026) offering 60 Month CD at 3.80% APY, OneAZ Credit UnionOneAZ Credit Union10718 N Oracle Rd, Oro Valley, AZ 85737 9338A+5.0 ★Texas Ratio: 4.17%Real return: +0.70%APY minus CPI (February 2026) offering 12-Month Certificate at 3.50% APY, and Wells FargoWells Fargo10585 N Oracle Rd, Oro Valley, AZ 85737A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate at 1.51% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Oro Valley has 79 local institutions in our database, with CD rates as high as 4.80% APY from TUCSON at 2150 E TANGERINE RD, ORO VALLEY, AZ 85755. 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, so 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: October 12, 2026

Compare Best CD Rates in Oro Valley, Arizona & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Oro Valley 3 Month CD Rates

Arizona 3 Month CD Average2.34% APYNational 2.09%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10585 N Oracle Rd, Oro Valley, AZ 85737
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.28% below Arizona avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10585 N Oracle Rd, Oro Valley, AZ 85737
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.28% below Arizona avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10585 N Oracle Rd, Oro Valley, AZ 85737
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
3 Month IRA Certificates
$0
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
3 Month Standard CD
$0
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.24% above Arizona avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average2.34%▲ 2.24% above avgNationally 2.09%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
3 Month Share Certificate Dividends
$0
4.06% ▲ 1.72% above Arizona avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.34%▲ 1.72% above avgNationally 2.09%
Details

Balance: $10,000 - up; Renewals Rate: 3.500%; Renewals APY: 3.546%

Rate History
No change since Oct 9, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 9, 2026: 4.06% APYOct 9, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month Certificate of Deposit - Loyalty Program Platinum Tier
$0
4.06% ▲ 1.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.72% above avgNationally 2.09%
Details

Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)

Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 7, 2026: 4.06% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00% ▲ 1.66% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.66% above avgNationally 2.09%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.66% above Arizona avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.66% above avgNationally 2.09%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. 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.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month Certificate of Deposit - Loyalty Program Gold Tier
$0
3.96% ▲ 1.62% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.62% above avgNationally 2.09%
Details

Loyalty Program1 Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)

Rate History
No change since Oct 7, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 7, 2026: 3.96% APYOct 7, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.51% above Arizona avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Arizona Average2.34%▲ 1.51% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month Certificate of Deposit - Loyalty Program Silver Tier
$0
3.85% ▲ 1.51% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.51% above avgNationally 2.09%
Details

Loyalty Program1 Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month Certificate of Deposit - Loyalty Program Bronze Tier
$0
3.75% ▲ 1.41% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details

Loyalty Program1 Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
CERTIFICATES OF DEPOSIT - 90 Day
$500
3.75% ▲ 1.41% above Arizona avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 7, 2026: 3.75% APYSep 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
IRA CERTIFICATES OF DEPOSIT - 90 Day
$0
3.75% ▲ 1.41% above Arizona avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 7, 2026: 3.75% APYSep 7, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$0
3.60% ▲ 1.26% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.26% above avgNationally 2.09%
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.26% above Arizona avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.34%▲ 1.26% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.26% above Arizona avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.34%▲ 1.26% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$0
3.55% ▲ 1.21% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.21% above avgNationally 2.09%
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month Certificate of Deposit
$0
3.55% ▲ 1.21% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.21% above avgNationally 2.09%
Details

Base Interest Rate (Consumer Rate Sheet): 3.50%

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate
$500
3.50% ▲ 1.16% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.16% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Month Share Certificate
$0
3.40% ▲ 1.06% above Arizona avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arizona Average2.34%▲ 1.06% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.15% ▲ 0.81% above Arizona avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.81% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.10% ▲ 0.76% above Arizona avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.76% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.05% ▲ 0.71% above Arizona avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.71% above avgNationally 2.09%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.00% ▲ 0.66% above Arizona avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$1,000
3.00% ▲ 0.66% above Arizona avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Certificate of Deposit
$1,000
2.00% ▼ 0.34% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 0.34% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.60% ▼ 1.74% below Arizona avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.34%▼ 1.74% below avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 29, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Sep 29, 2026: 0.60% APYSep 29, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.55% ▼ 1.79% below Arizona avg
View
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.34%▼ 1.79% below avgNationally 2.09%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 29, 2026 · 0.55% APY · checked 3 times
0.05%0.55%1.05%Sep 29, 2026: 0.55% APYSep 29, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.50% ▼ 1.84% below Arizona avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.34%▼ 1.84% below avgNationally 2.09%
Details

Balance: $10,000.00 - $24,999.99

Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 29, 2026: 0.50% APYSep 29, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.45% ▼ 1.89% below Arizona avg
View
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.34%▼ 1.89% below avgNationally 2.09%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 29, 2026 · 0.45% APY · checked 3 times
0.00%0.48%0.95%Sep 29, 2026: 0.45% APYSep 29, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.24% below Arizona avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.24% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.24% below Arizona avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.24% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
90 Day Certificate
$0
0.06% ▼ 2.28% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03% ▼ 2.31% below Arizona avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.31% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02% ▼ 2.32% below Arizona avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.32% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01% ▼ 2.33% below Arizona avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.33% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Oro Valley 6 Month CD Rates

Arizona 6 Month CD Average3.12% APYNational 2.78%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
180 Day Business Certificate
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 27, 2026: 3.85% APYOct 6, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.00%▲ from 3.85%
  • Sep 27, 20263.85%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
180 Day Share Certificate
$500
3.85% ▲ 0.73% above Arizona avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.78%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 27, 2026: 3.75% APYOct 6, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20263.85%▲ from 3.75%
  • Sep 27, 20263.75%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
6 Month Term Share Certificates
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.50% APYOct 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.75%▲ from 3.50%
  • Oct 4, 20263.50%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
6 Month CD
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Relationship Rate APY: 3.96%

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
Business 6 Month CD
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
6 Month Term Share Certificates
$0
3.50% ▲ 0.38% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.38% above avgNationally 2.78%
Details

Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.75% APYOct 4, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.50%▼ from 3.75%
  • Sep 12, 20263.75%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
10718 N Oracle Rd, Oro Valley, AZ 85737 9338
6-Month Certificate
$5,000
3.50% ▲ 0.38% above Arizona avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.38% above avgNationally 2.78%
Details

Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
Business & Non-Profit Term Share Certificates - 6 months
$0
3.25% ▲ 0.13% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.13% above avgNationally 2.78%
Details

Rate History
1 change since Sep 12, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 12, 2026: 3.50% APYOct 4, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.25%▼ from 3.50%
  • Sep 12, 20263.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10585 N Oracle Rd, Oro Valley, AZ 85737
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.06% below Arizona avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▼ 3.06% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10585 N Oracle Rd, Oro Valley, AZ 85737
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.06% below Arizona avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▼ 3.06% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10585 N Oracle Rd, Oro Valley, AZ 85737
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.07% below Arizona avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▼ 3.07% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
6 Month IRA Certificates
$0
0.05% ▼ 3.07% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▼ 3.07% below avgNationally 2.78%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
6 Month Standard CD
$0
0.05% ▼ 3.07% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▼ 3.07% below avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.18% above Arizona avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average3.12%▲ 1.18% above avgNationally 2.78%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
6 Month Share Certificate Dividends
$0
4.14% ▲ 1.02% above Arizona avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 1.02% above avgNationally 2.78%
Details

Balance: $2,500 - $9,999.99; Renewals Rate: 3.800%; Renewals APY: 3.836%

Rate History
No change since Oct 9, 2026 · 4.14% APY
3.64%4.14%4.64%Oct 9, 2026: 4.14% APYOct 9, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Share Certificate
$0
4.10% ▲ 0.98% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arizona Average3.12%▲ 0.98% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-MONTH CD
$2,500
4.10% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.98% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6 Month Jumbo Certificate
$100,000
4.05% ▲ 0.93% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.93% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 18, 2026: 3.55% APYOct 10, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.05%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6 Month Share Certificate
$1,000
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. 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.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month Flexible Certificates
$0
4.00% ▲ 0.88% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Business Certificate - 6 Months
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Certificate - 6 Months
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate - 6 Months
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95% ▲ 0.83% above Arizona avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 6 Month Promo CD
$500
3.95% ▲ 0.83% above Arizona avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
GOLDWATER LIQUID CD - 6 Month Liquid CD - no penalty
$0
3.90% ▲ 0.78% above Arizona avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.78% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 7, 2026: 3.90% APYSep 7, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate
$50,000
3.85% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.78%
Details

Balance: $50,000 and over

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
6 Month CD
$500
3.85% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Certificate of Deposit
$0
3.82% ▲ 0.70% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.78%
Details

Balance: $500.00 to $49,999.99

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Month Certificate
$0
3.82% ▲ 0.70% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Certificate
$1,000
3.82% ▲ 0.70% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.78%
Details

Balance Required to Earn Dividend Rate: $1000.00

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 6 Months
$500
3.80% ▲ 0.68% above Arizona avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.78%
Details

Share Certificates ($500 Minimum)

Rate History
No change since Sep 16, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 16, 2026: 3.80% APYSep 16, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.80% ▲ 0.68% above Arizona avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.78%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.80% ▲ 0.68% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.78%
Details

Balance: $100,000+

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate
$25,000
3.80% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.78%
Details

Balance: $25,000 - $50,000

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
6 Month CD
$0
3.78% ▲ 0.66% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.66% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 7 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
CERTIFICATES OF DEPOSIT - 180 Day
$500
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 7, 2026: 3.75% APYSep 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
IRA CERTIFICATES OF DEPOSIT - 180 Day
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 7, 2026: 3.75% APYSep 7, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6 Month Certificate
$500
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate
$10,000
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Balance: $10,000 - $25,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 Month Share Certificate
$500
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Balance: $10,000 or Greater

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month CD
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$1,000
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
6 Month Term Certificate
$0
3.72% ▲ 0.60% above Arizona avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.60% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Balance: $10,000.00 - $24,999.99

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026

Oro Valley 12 Month CD Rates

Arizona 12 Month CD Average3.37% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
1 Year Business Certificate
$500
4.30% ▲ 0.93% above Arizona avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.93% above avgNationally 2.99%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 27, 2026: 4.00% APYOct 6, 2026: 4.30% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.30%▲ from 4.00%
  • Sep 27, 20264.00%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
1 Year Share Certificate
$500
4.25% ▲ 0.88% above Arizona avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.88% above avgNationally 2.99%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 27, 2026: 3.90% APYOct 6, 2026: 4.25% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 3.90%
  • Sep 27, 20263.90%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
12 Month Term Share Certificates
$0
3.75% ▲ 0.38% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.37%▲ 0.38% above avgNationally 2.99%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.50% APYOct 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.75%▲ from 3.50%
  • Oct 4, 20263.50%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
12 Month Term Share Certificates
$0
3.50% ▲ 0.13% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.37%▲ 0.13% above avgNationally 2.99%
Details

Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.75% APYOct 4, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.50%▼ from 3.75%
  • Sep 12, 20263.75%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
Business & Non-Profit Term Share Certificates - 12 months
$0
3.50% ▲ 0.13% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.37%▲ 0.13% above avgNationally 2.99%
Details

Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.75% APYOct 4, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.50%▼ from 3.75%
  • Sep 12, 20263.75%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
10718 N Oracle Rd, Oro Valley, AZ 85737 9338
12-Month Certificate
$5,000
3.50% ▲ 0.13% above Arizona avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.13% above avgNationally 2.99%
Details

Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
12 Month CD
$0
3.50% ▲ 0.13% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.13% above avgNationally 2.99%
Details

Relationship Rate APY: 3.76%

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
Business 12 Month CD
$0
3.50% ▲ 0.13% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10585 N Oracle Rd, Oro Valley, AZ 85737
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.86% below Arizona avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▼ 1.86% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10585 N Oracle Rd, Oro Valley, AZ 85737
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.86% below Arizona avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▼ 1.86% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10585 N Oracle Rd, Oro Valley, AZ 85737
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.87% below Arizona avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▼ 1.87% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
12 Month IRA Certificates
$0
0.75% ▼ 2.62% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▼ 2.62% below avgNationally 2.99%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
12 Month Standard CD
$0
0.75% ▼ 2.62% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▼ 2.62% below avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
12-Month LifeStage
$500
4.50% ▲ 1.13% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 1.13% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 9, 2026: 4.50% APYOct 9, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1 Year Save-to-Win Certificate
$25
4.40% ▲ 1.03% above Arizona avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 1.03% above avgNationally 2.99%
Details

$25 to $3,000; dividend rate not captured

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.98% above Arizona avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-MONTH CD
$500
4.30% ▲ 0.93% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
12 Month CD
$500
4.30% ▲ 0.93% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
12 Month Share Certificate Dividends
$0
4.25% ▲ 0.88% above Arizona avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.88% above avgNationally 2.99%
Details

Balance: $2,500 - $9,999.99; Renewals Rate: 4.000%; Renewals APY: 4.000%

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
12 Month Certificate
$500
4.25% ▲ 0.88% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12-Month Certificate of Deposit
$500
4.20% ▲ 0.83% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▲ 0.83% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month Share Certificate
$0
4.20% ▲ 0.83% above Arizona avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arizona Average3.37%▲ 0.83% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 12 Month Promo CD
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Flexible Certificates
$0
4.15% ▲ 0.78% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Business Certificate - 12 Months
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Certificate - 12 Months
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate - 12 Months
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Youth Certificate - 12 Months
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month Certificate of Deposit
$0
4.12% ▲ 0.75% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.37%▲ 0.75% above avgNationally 2.99%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Certificate
$500
4.08% ▲ 0.71% above Arizona avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.71% above avgNationally 2.99%
Details

Balance Required to Earn Dividend Rate: $500.00

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1 Year GOAL SHARE CERTIFICATE
$0
4.07% ▲ 0.70% above Arizona avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.70% above avgNationally 2.99%
Details

Balance: $25-$1,000

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
12 Month Share Certificate Dividends
$0
4.06% ▲ 0.69% above Arizona avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.69% above avgNationally 2.99%
Details

IRA (Pd Qtrly); Renewals Rate: 4.000%; Renewals APY: 4.060%

Rate History
No change since Oct 9, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 9, 2026: 4.06% APYOct 9, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.68% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate 12-Month
$2,000
4.05% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.68% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus Certificates
$0
4.02% ▲ 0.65% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.65% above avgNationally 2.99%
Details

Balance: 12 Month

Rate History
2 changes since Sep 21, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 21, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus IRA Certificate
$0
4.02% ▲ 0.65% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.65% above avgNationally 2.99%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 month CD
$1,000
4.00% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
CERTIFICATES OF DEPOSIT - 12 Month
$500
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
IRA CERTIFICATES OF DEPOSIT - 12 Month
$0
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month CD
$1,000
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1 Year IRA/HSA/CESA
$500
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 1, 2026: 4.00% APYOct 1, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year CD
$0
4.00% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term
$1,000
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1 Year IRA/HSA/CESA
$500
3.95% ▲ 0.58% above Arizona avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.58% above avgNationally 2.99%
Details

Balance: $25,000 to $49,999.99

Rate History
1 change since Oct 1, 2026 · 4.00% → 3.95% ▼ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Oct 1, 2026: 4.00% APYOct 10, 2026: 3.95% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.95%▼ from 4.00%
  • Oct 1, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.91% ▲ 0.54% above Arizona avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.54% above avgNationally 2.99%
Details

Balance: $100,000+

Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 29, 2026: 3.91% APYSep 29, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.54% above Arizona avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.54% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 9 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 1 Year
$0
3.91% ▲ 0.54% above Arizona avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.54% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 18, 2026: 3.91% APYSep 18, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1 Year IRA/HSA/CESA
$500
3.90% ▲ 0.53% above Arizona avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.53% above avgNationally 2.99%
Details

Balance: $500 to $24,999.99

Rate History
1 change since Oct 1, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 1, 2026: 4.00% APYOct 10, 2026: 3.90% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.90%▼ from 4.00%
  • Oct 1, 20264.00%first recorded

Oro Valley 18 Month CD Rates

Arizona 18 Month CD Average3.25% APYNational 2.87%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
18 Month Term Share Certificates
$0
4.25% ▲ 1.00% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▲ 1.00% above avgNationally 2.87%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.50% APYOct 4, 2026: 4.00% APYOct 12, 2026: 4.25% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%▼ from 4.50%
  • Sep 12, 20264.50%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
18 Month Term Share Certificates
$0
4.00% ▲ 0.75% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.00%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
18 Month IRA CD
$0
3.60% ▲ 0.35% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 0.35% above avgNationally 2.87%
Details

Relationship Rate APY: N/A

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
10718 N Oracle Rd, Oro Valley, AZ 85737 9338
18-Month Certificate
$5,000
3.25% At Arizona avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%At the averageNationally 2.87%
Details

Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
18 Month IRA Certificates
$0
0.75% ▼ 2.50% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 2.50% below avgNationally 2.87%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
18 Month Standard CD
$0
0.75% ▼ 2.50% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 2.50% below avgNationally 2.87%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18 Month Certificate Special
$500
4.50% ▲ 1.25% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 1.25% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 9, 2026: 4.50% APYOct 9, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
18-Month Certificate of Deposit
$500
4.40% ▲ 1.15% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 1.15% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month CD
$500
4.35% ▲ 1.10% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 1.10% above avgNationally 2.87%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month Share Certificate
$0
4.25% ▲ 1.00% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arizona Average3.25%▲ 1.00% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-MONTH CD
$500
4.25% ▲ 1.00% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 1.00% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20% ▲ 0.95% above Arizona avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.95% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 18 Month Promo CD
$500
4.20% ▲ 0.95% above Arizona avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.95% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 9, 2026: 4.20% APYOct 9, 2026Oct 13, 2026
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15% ▲ 0.90% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15% ▲ 0.90% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.90% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Western State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
18-mo. CD
$0
4.00% ▲ 0.75% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Earn more with a 11-mo. or 18-mo. CD at 4.00% APY.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
CERTIFICATES OF DEPOSIT - 18 Month
$500
4.00% ▲ 0.75% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
IRA CERTIFICATES OF DEPOSIT - 18 Month
$0
4.00% ▲ 0.75% above Arizona avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.75% above Arizona avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.75% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.70% above Arizona avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.70% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90% ▲ 0.65% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.65% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 18, 2026: 3.95% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.90%▼ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.65% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.65% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
18 Month Certificate
$0
3.87% ▲ 0.62% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.62% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
18 Month Certificate
$500
3.85% ▲ 0.60% above Arizona avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.60% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 14, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate of Deposit
$500
3.75% ▲ 0.50% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.50% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.45% above Arizona avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 0.45% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 18 Months
$500
3.65% ▲ 0.40% above Arizona avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▲ 0.40% above avgNationally 2.87%
Details

Share Certificates ($500 Minimum)

Rate History
No change since Sep 16, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 16, 2026: 3.65% APYSep 16, 2026Oct 13, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
18 Month Certificate
$1,000
3.60% ▲ 0.35% above Arizona avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.35% above avgNationally 2.87%
Details

Balance: $1,000 - $150,000

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$0
3.58% ▲ 0.33% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.33% above avgNationally 2.87%
Details

Balance: $99,999.01 or more; Payment Frequency: Semiannually

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate 18-Month
$2,000
3.55% ▲ 0.30% above Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.30% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$0
3.53% ▲ 0.28% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.28% above avgNationally 2.87%
Details

Balance: $500 - $99,999; Payment Frequency: Semiannually

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18 Month Certificate
$500
3.50% ▲ 0.25% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.25% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Month Share Certificate
$500
3.50% ▲ 0.25% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 0.25% above avgNationally 2.87%
Details

Balance: $10,000 or Greater

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Month Share Certificate
$500
3.45% ▲ 0.20% above Arizona avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 0.20% above avgNationally 2.87%
Details

Balance: $500-$9,999

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month Business Certificate of Deposit
$0
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18-Month Certificate
$5,000
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 27, 2026: 3.35% APYSep 27, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18-Month IRA
$5,000
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 27, 2026: 3.35% APYSep 27, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month IRA Certificate
$0
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month Share Certificates
$0
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month TSC or IRA TSC
$10,000
3.20% ▼ 0.05% below Arizona avg
View
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.05% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month TSC or IRA TSC
$500
3.15% ▼ 0.10% below Arizona avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.10% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month TSC or IRA TSC
$500
3.10% ▼ 0.15% below Arizona avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.15% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Month Certificate
$1,000
3.00% ▼ 0.25% below Arizona avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▼ 0.25% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
18 Month Certificate of Deposit
$1,000
2.75% ▼ 0.50% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▼ 0.50% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
18 Month IRA Certificate
$1,000
2.75% ▼ 0.50% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▼ 0.50% below avgNationally 2.87%
Details

Rate History
No change since Oct 2, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 2, 2026: 2.75% APYOct 2, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month CD
$0
2.75% ▼ 0.50% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.50% below avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month Term
$1,000
2.75% ▼ 0.50% below Arizona avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.50% below avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 2.84%
18 Month Term CD
$1,000
2.61% ▼ 0.64% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▼ 0.64% below avgNationally 2.87%
Details

Compounded Monthly

Rate History
No change since Sep 16, 2026 · 2.61% APY · checked 5 times
2.11%2.61%3.11%Sep 16, 2026: 2.61% APYSep 16, 2026Oct 13, 2026

Oro Valley 24 Month CD Rates

Arizona 24 Month CD Average3.14% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
2 Year Business Certificate
$500
4.60% ▲ 1.46% above Arizona avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 1.46% above avgNationally 2.88%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.60% ▲ 0.55 pts · high 4.60% / low 4.05%
3.50%4.32%5.15%Sep 27, 2026: 4.05% APYOct 6, 2026: 4.60% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.60%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
2 Year Share Certificate
$500
4.55% ▲ 1.41% above Arizona avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 1.41% above avgNationally 2.88%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 3.95% → 4.55% ▲ 0.60 pts · high 4.55% / low 3.95%
3.35%4.25%5.15%Sep 27, 2026: 3.95% APYOct 6, 2026: 4.55% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.55%▲ from 3.95%
  • Sep 27, 20263.95%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
24 Month Term Share Certificates
$0
4.25% ▲ 1.11% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.50% APYOct 4, 2026: 4.00% APYOct 12, 2026: 4.25% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%▼ from 4.50%
  • Sep 12, 20264.50%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
24 Month Term Share Certificates
$0
4.00% ▲ 0.86% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.00%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
24 Month CD
$0
3.60% ▲ 0.46% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Relationship Rate APY: 3.86%

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
Business 24 Month CD
$0
3.60% ▲ 0.46% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
24 Month Jump Up CD
$0
3.50% ▲ 0.36% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Relationship Rate APY: 3.76%

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
Business 24 Month Jump Up CD
$0
3.50% ▲ 0.36% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
Business & Non-Profit Term Share Certificates - 24 months
$0
3.25% ▲ 0.11% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 12, 2026: 3.50% APYOct 4, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.25%▼ from 3.50%
  • Sep 12, 20263.50%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
10718 N Oracle Rd, Oro Valley, AZ 85737 9338
24 Month Promotional Share Certificate
$2,000
2.85% ▼ 0.29% below Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▼ 0.29% below avgNationally 2.88%
Details

Limited Time Offer. Earn 2.85% APY when you move your money from an outside bank to a high-yield 24-month Share Certificate from OneAZ. Promotional APY is available for both consumer (excluding IRA's) and business accounts. Membership qualifications apply.

Rate History
No change since Oct 9, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 9, 2026: 2.85% APYOct 9, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
24 Month IRA Certificates
$0
0.75% ▼ 2.39% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▼ 2.39% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
24 Month Standard CD
$0
0.75% ▼ 2.39% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▼ 2.39% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50% ▲ 1.36% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month CD
$500
4.40% ▲ 1.26% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Share Certificate
$0
4.30% ▲ 1.16% above Arizona avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arizona Average3.14%▲ 1.16% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.11% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25% ▲ 1.11% above Arizona avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 24 Month Promo CD
$500
4.25% ▲ 1.11% above Arizona avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-MONTH CD
$500
4.25% ▲ 1.11% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 Month Certificate of Deposit
$0
4.12% ▲ 0.98% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.98% above avgNationally 2.88%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 0.96% above Arizona avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 0.91% above Arizona avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus Certificates
$0
4.02% ▲ 0.88% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.88% above avgNationally 2.88%
Details

Balance: 24 Month

Rate History
2 changes since Sep 21, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 21, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 21, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus IRA Certificate
$0
4.02% ▲ 0.88% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.88% above avgNationally 2.88%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 13, 2026
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
24 Month CD
$0
4.00% ▲ 0.86% above Arizona avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00% ▲ 0.86% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.86% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95% ▲ 0.81% above Arizona avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.81% above avgNationally 2.88%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
24 Month Certificate
$0
3.92% ▲ 0.78% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.90% ▲ 0.76% above Arizona avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.76% above avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Certificate
$0
3.86% ▲ 0.72% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.72% above avgNationally 2.88%
Details

Balance: $2,500

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 24 Month
$0
3.82% ▲ 0.68% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Balance: $2,000

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month Certificate
$1,000
3.82% ▲ 0.68% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Balance Required to Earn Dividend Rate: $1000.00

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 Year Certificate
$1,000
3.80% ▲ 0.66% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
2-Year Certificate
$0
3.80% ▲ 0.66% above Arizona avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.88%
Details

Balance: $25,000 & Over; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 Year Certificate
$1,000
3.75% ▲ 0.61% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2 Year IRA/HSA/CESA
$500
3.75% ▲ 0.61% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.88%
Details

Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 1, 2026: 3.75% APYOct 1, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 Year Certificate
$1,000
3.70% ▲ 0.56% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.56% above avgNationally 2.88%
Details

Balance: $10,000.00 - $24,999.99

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2 Year IRA/HSA/CESA
$500
3.70% ▲ 0.56% above Arizona avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.56% above avgNationally 2.88%
Details

Balance: $25,000 to $49,999.99

Rate History
1 change since Oct 1, 2026 · 3.75% → 3.70% ▼ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Oct 1, 2026: 3.75% APYOct 10, 2026: 3.70% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.70%▼ from 3.75%
  • Oct 1, 20263.75%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 Year Certificate
$1,000
3.65% ▲ 0.51% above Arizona avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.51% above avgNationally 2.88%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 13, 2026
  • Oct 5, 20263.65%▼ from 3.75%
  • Sep 29, 20263.75%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2 Year IRA/HSA/CESA
$500
3.65% ▲ 0.51% above Arizona avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.51% above avgNationally 2.88%
Details

Balance: $500 to $24,999.99

Rate History
1 change since Oct 1, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 1, 2026: 3.75% APYOct 10, 2026: 3.65% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.65%▼ from 3.75%
  • Oct 1, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.46% above Arizona avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2 Year Certificate
$50,000
3.60% ▲ 0.46% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Balance: $50,000 and over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Year Certificate
$500
3.60% ▲ 0.46% above Arizona avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
24 Month Certificate
$99,000
3.56% ▲ 0.42% above Arizona avg
View
▼
RateN/A
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Balance: $99,000 minimum; Certificate Account

Rate History
No change since Sep 12, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 12, 2026: 3.56% APYSep 12, 2026Oct 13, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
24 Month IRA Certificate Account
$0
3.56% ▲ 0.42% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Balance: $99,000 and over

Rate History
No change since Sep 12, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 12, 2026: 3.56% APYSep 12, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2 Year (24 Month) CD
$0
3.55% ▲ 0.41% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 24 Months
$500
3.55% ▲ 0.41% above Arizona avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Share Certificates ($500 Minimum)

Rate History
No change since Sep 16, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 16, 2026: 3.55% APYSep 16, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate 24-Month
$2,000
3.55% ▲ 0.41% above Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2 Year Certificate
$25,000
3.55% ▲ 0.41% above Arizona avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Balance: $25,000 - $50,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026

Oro Valley 36 Month CD Rates

Arizona 36 Month CD Average2.97% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
3 Year Business Certificate
$500
4.65% ▲ 1.68% above Arizona avg
View
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 1.68% above avgNationally 2.81%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.10% → 4.65% ▲ 0.55 pts · high 4.65% / low 4.10%
3.55%4.38%5.20%Sep 27, 2026: 4.10% APYOct 6, 2026: 4.65% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.65%▲ from 4.10%
  • Sep 27, 20264.10%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
3 Year Share Certificate
$500
4.60% ▲ 1.63% above Arizona avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 1.63% above avgNationally 2.81%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 27, 2026: 4.00% APYOct 6, 2026: 4.60% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.60%▲ from 4.00%
  • Sep 27, 20264.00%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
36 Month Term Share Certificates
$0
4.00% ▲ 1.03% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
36 Month Term Share Certificates
$0
3.75% ▲ 0.78% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.97%▲ 0.78% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
36 Month IRA CD
$0
3.75% ▲ 0.78% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.78% above avgNationally 2.81%
Details

Relationship Rate APY: N/A

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
36 Month CD
$0
3.70% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.73% above avgNationally 2.81%
Details

Relationship Rate APY: 3.96%

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
Business 36 Month CD
$0
3.70% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
36 Month Jump Up CD
$0
3.55% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.58% above avgNationally 2.81%
Details

Relationship Rate APY: 3.81%

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
Business 36 Month Jump Up CD
$0
3.55% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
10718 N Oracle Rd, Oro Valley, AZ 85737 9338
36-Month Share Certificate
$2,000
2.85% ▼ 0.12% below Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▼ 0.12% below avgNationally 2.81%
Details

This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty.

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
Business & Non-Profit Term Share Certificates - 36 months
$0
2.75% ▼ 0.22% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.97%▼ 0.22% below avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 12, 2026: 3.00% APYOct 4, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20262.75%▼ from 3.00%
  • Sep 12, 20263.00%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
36 Month IRA Certificates
$0
0.75% ▼ 2.22% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▼ 2.22% below avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
36 Month Standard CD
$0
0.75% ▼ 2.22% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▼ 2.22% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month Share Certificate
$0
4.25% ▲ 1.28% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arizona Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.18% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
36 Month Certificate of Deposit
$0
4.12% ▲ 1.15% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.97%▲ 1.15% above avgNationally 2.81%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.13% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.13% above Arizona avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.08% above Arizona avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus Certificates
$0
4.02% ▲ 1.05% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.05% above avgNationally 2.81%
Details

Balance: 36 Month

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus IRA Certificate
$0
4.02% ▲ 1.05% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.05% above avgNationally 2.81%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00% ▲ 1.03% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.03% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.03% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
36 Month Certificate
$0
3.97% ▲ 1.00% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 7 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95% ▲ 0.98% above Arizona avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.98% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 0.98% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90% ▲ 0.93% above Arizona avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.93% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90% ▲ 0.93% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Certificate
$0
3.86% ▲ 0.89% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.89% above avgNationally 2.81%
Details

Balance: $2,500

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 36 Month
$0
3.86% ▲ 0.89% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.89% above avgNationally 2.81%
Details

Balance: $2,000

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.80% ▲ 0.83% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.83% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year IRA/HSA/CESA
$500
3.80% ▲ 0.83% above Arizona avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.83% above avgNationally 2.81%
Details

Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 1, 2026: 3.80% APYOct 1, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.75% ▲ 0.78% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.78% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year IRA/HSA/CESA
$500
3.75% ▲ 0.78% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.78% above avgNationally 2.81%
Details

Balance: $25,000 to $49,999.99

Rate History
1 change since Oct 1, 2026 · 3.80% → 3.75% ▼ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Oct 1, 2026: 3.80% APYOct 10, 2026: 3.75% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.75%▼ from 3.80%
  • Oct 1, 20263.80%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.70% ▲ 0.73% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.73% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year IRA/HSA/CESA
$500
3.70% ▲ 0.73% above Arizona avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.73% above avgNationally 2.81%
Details

Balance: $500 to $24,999.99

Rate History
1 change since Oct 1, 2026 · 3.80% → 3.70% ▼ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Oct 1, 2026: 3.80% APYOct 10, 2026: 3.70% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.70%▼ from 3.80%
  • Oct 1, 20263.80%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$100,000
3.65% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$100,000
3.65% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.65%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.65% ▲ 0.68% above Arizona avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 13, 2026
  • Oct 5, 20263.65%▼ from 3.75%
  • Sep 29, 20263.75%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year Certificate
$50,000
3.65% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

Balance: $50,000 and over

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Year Certificate
$500
3.65% ▲ 0.68% above Arizona avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year Certificate
$500
3.60% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.63% above avgNationally 2.81%
Details

Balance: $500 - $10,000

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.60% ▼ 0.05 pts · high 3.65% / low 3.60%
3.10%3.63%4.15%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.60%▼ from 3.65%
  • Sep 14, 20263.65%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year (36 Month) CD
$0
3.55% ▲ 0.58% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.58% above avgNationally 2.81%
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year Certificate
$10,000
3.55% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.58% above avgNationally 2.81%
Details

Balance: $10,000 - $25,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
36-Month Certificate of Deposit
$500
3.51% ▲ 0.54% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.54% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
36 Month Business Certificate of Deposit
$0
3.51% ▲ 0.54% above Arizona avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
36-Month Certificate
$5,000
3.51% ▲ 0.54% above Arizona avg
View
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Sep 27, 2026: 3.51% APYSep 27, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
36-Month IRA
$5,000
3.51% ▲ 0.54% above Arizona avg
View
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Sep 27, 2026: 3.51% APYSep 27, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$1,000
3.50% ▲ 0.53% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026

Oro Valley 48 Month CD Rates

Arizona 48 Month CD Average2.67% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
4 Year Business Certificate
$500
4.75% ▲ 2.08% above Arizona avg
View
▼
Rate4.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 2.08% above avgNationally 2.80%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.10% → 4.75% ▲ 0.65 pts · high 4.75% / low 4.10%
3.45%4.43%5.40%Sep 27, 2026: 4.10% APYOct 6, 2026: 4.75% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.75%▲ from 4.10%
  • Sep 27, 20264.10%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
4 Year Share Certificate
$500
4.65% ▲ 1.98% above Arizona avg
View
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 1.98% above avgNationally 2.80%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.00% → 4.65% ▲ 0.65 pts · high 4.65% / low 4.00%
3.35%4.33%5.30%Sep 27, 2026: 4.00% APYOct 6, 2026: 4.65% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.65%▲ from 4.00%
  • Sep 27, 20264.00%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
48 Month Term Share Certificates
$0
4.00% ▲ 1.33% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.33% above avgNationally 2.80%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
48 Month Term Share Certificates
$0
3.75% ▲ 1.08% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
Business & Non-Profit Term Share Certificates - 48 months
$0
2.75% ▲ 0.08% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 12, 2026: 3.00% APYOct 4, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20262.75%▼ from 3.00%
  • Sep 12, 20263.00%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
48 Month IRA Certificates
$0
0.75% ▼ 1.92% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
48 Month Standard CD
$0
0.75% ▼ 1.92% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Share Certificate
$0
4.20% ▲ 1.53% above Arizona avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arizona Average2.67%▲ 1.53% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
48 Month Certificate
$0
4.02% ▲ 1.35% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.35% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 7 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus Certificates
$0
3.97% ▲ 1.30% above Arizona avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details

Balance: 48 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus IRA Certificate
$0
3.97% ▲ 1.30% above Arizona avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.90% ▲ 1.23% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificate
$0
3.81% ▲ 1.14% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.14% above avgNationally 2.80%
Details

Balance: $2,500

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 48 Month
$0
3.81% ▲ 1.14% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.14% above avgNationally 2.80%
Details

Balance: $2,000

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.75% ▲ 1.08% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4 Year Certificate
$1,000
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Balance: $1,000.00+

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4 Year Certificate
$500
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
48 Month Term Share Certificate
$0
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Term Share Certificates / IRA Certificates (Jumbo) - 48 months
$0
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48 Month Business Certificate of Deposit
$0
3.66% ▲ 0.99% above Arizona avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48-Month Certificate
$5,000
3.66% ▲ 0.99% above Arizona avg
View
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 27, 2026: 3.66% APYSep 27, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48-Month IRA
$5,000
3.66% ▲ 0.99% above Arizona avg
View
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 27, 2026: 3.66% APYSep 27, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$100,000
3.65% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.65% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.98% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.65%▼ from 3.75%
  • Oct 2, 20263.75%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
48-Month Certificate of Deposit
$500
3.51% ▲ 0.84% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.84% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$1,000
3.50% ▲ 0.83% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.50% ▲ 0.83% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month IRA Certificate
$0
3.50% ▲ 0.83% above Arizona avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month Share Certificates
$0
3.50% ▲ 0.83% above Arizona avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
48 Month Term Share Certificate
$1,000
3.50% ▲ 0.83% above Arizona avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Year Share Certificate
$0
3.45% ▲ 0.78% above Arizona avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 0.78% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$100,000
3.40% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month TSC or IRA TSC
$10,000
3.40% ▲ 0.73% above Arizona avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month TSC or IRA TSC
$500
3.35% ▲ 0.68% above Arizona avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month TSC or IRA TSC
$500
3.30% ▲ 0.63% above Arizona avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.63% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$1,000
3.25% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate
$500
3.25% ▲ 0.58% above Arizona avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.58% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Sep 14, 2026: 2.90% APYOct 7, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4 Year Jumbo Certificate
$0
2.85% ▲ 0.18% above Arizona avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.18% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 7, 2026: 2.85% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$0
2.85% ▲ 0.18% above Arizona avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.18% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$0
2.85% ▲ 0.18% above Arizona avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.18% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.85% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.85%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$50,000
2.80% ▲ 0.13% above Arizona avg
View
▼
Rate2.77%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.13% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 7 times
2.30%2.80%3.30%Sep 18, 2026: 2.80% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$0
2.80% ▲ 0.13% above Arizona avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.80% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.80%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$0
2.75% ▲ 0.08% above Arizona avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$0
2.75% ▲ 0.08% above Arizona avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
48 Month Certificate of Deposit
$500
2.75% ▲ 0.08% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.27% → 2.75% ▲ 0.48 pts · high 2.75% / low 2.27%
1.77%2.51%3.25%Sep 14, 2026: 2.27% APYOct 2, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20262.75%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
48 Month CD
$500
2.75% ▲ 0.08% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 6, 2026: 2.75% APYOct 6, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$0
2.70% ▲ 0.03% above Arizona avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.03% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$1,000
2.70% ▲ 0.03% above Arizona avg
View
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.03% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
2.20%2.73%3.25%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.70% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.70%▼ from 2.75%
  • Sep 24, 20262.75%first recorded
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
4-Year Certificate
$0
2.56% ▼ 0.11% below Arizona avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▼ 0.11% below avgNationally 2.80%
Details

Balance: $25,000 & Over; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.56% APY · checked 7 times
2.06%2.56%3.06%Sep 14, 2026: 2.56% APYSep 14, 2026Oct 13, 2026
Gateway Commercial Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
48 Month Certificate of deposit
$0
2.53% ▼ 0.14% below Arizona avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 0.14% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 19, 2026: 2.53% APYSep 19, 2026Oct 13, 2026

Oro Valley 60 Month CD Rates

Arizona 60 Month CD Average3.03% APYNational 2.90%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
5 Year Business Certificate
$500
4.80% ▲ 1.77% above Arizona avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 1.77% above avgNationally 2.90%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
3.50%4.48%5.45%Sep 27, 2026: 4.15% APYOct 6, 2026: 4.80% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.80%▲ from 4.15%
  • Sep 27, 20264.15%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2150 E TANGERINE RD, ORO VALLEY, AZ 85755
5 Year Share Certificate
$500
4.70% ▲ 1.67% above Arizona avg
View
▼
Rate4.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 1.67% above avgNationally 2.90%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.70% ▲ 0.65 pts · high 4.70% / low 4.05%
3.40%4.38%5.35%Sep 27, 2026: 4.05% APYOct 6, 2026: 4.70% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.70%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
60 Month Term Share Certificates
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
60 Month CD
$0
3.80% ▲ 0.77% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Relationship Rate APY: 4.06%

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
11165 N La Canada Dr, Oro Valley, AZ 85737 7354
Business 60 Month CD
$0
3.80% ▲ 0.77% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
60 Month Term Share Certificates
$0
3.75% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
10718 N Oracle Rd, Oro Valley, AZ 85737 9338
60-Month Share Certificate
$2,000
2.85% ▼ 0.18% below Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▼ 0.18% below avgNationally 2.90%
Details

This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty.

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
11025 N Oracle Rd, Oro Valley, AZ 85737
Business & Non-Profit Term Share Certificates - 60 months
$0
2.75% ▼ 0.28% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.03%▼ 0.28% below avgNationally 2.90%
Details

Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 12, 2026: 3.00% APYOct 4, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20262.75%▼ from 3.00%
  • Sep 12, 20263.00%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
60 Month IRA Certificates
$0
0.75% ▼ 2.28% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▼ 2.28% below avgNationally 2.90%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1171 E Rancho Vistoso Blvd, Oro Valley, AZ 85755
60 Month Standard CD
$0
0.75% ▼ 2.28% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▼ 2.28% below avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50% ▲ 1.47% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Flexible Certificate
$500
4.50% ▲ 1.47% above Arizona avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Regular CD
$500
4.50% ▲ 1.47% above Arizona avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change.

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Months Certificate
$500
4.50% ▲ 1.47% above Arizona avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate Accounts
$500
4.35% ▲ 1.32% above Arizona avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.32% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 9, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate
$500
4.35% ▲ 1.32% above Arizona avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.32% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30% ▲ 1.27% above Arizona avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.27% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 60 Month Promo CD
$500
4.30% ▲ 1.27% above Arizona avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.27% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 9, 2026: 4.30% APYOct 9, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
4.15% ▲ 1.12% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 1.12% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
4.15% ▲ 1.12% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 1.12% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 2, 2026: 4.00% APYOct 7, 2026: 4.15% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 4.00%
  • Oct 2, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
60 Month Share Certificate
$0
4.15% ▲ 1.12% above Arizona avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arizona Average3.03%▲ 1.12% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
60 Month Certificate of Deposit
$0
4.12% ▲ 1.09% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.03%▲ 1.09% above avgNationally 2.90%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.07% above Arizona avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
60 Month Certificate
$0
4.07% ▲ 1.04% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.02% above Arizona avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.02% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$1,000
4.00% ▲ 0.97% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
4.00% ▲ 0.97% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 2, 2026: 3.75% APYOct 7, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus Certificates
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Balance: 60 Month

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus IRA Certificate
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.95% ▲ 0.92% above Arizona avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.92% above avgNationally 2.90%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95% ▲ 0.92% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.92% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month Business Certificate of Deposit
$0
3.92% ▲ 0.89% above Arizona avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Sep 18, 2026: 3.92% APYSep 18, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60-Month Certificate
$5,000
3.92% ▲ 0.89% above Arizona avg
View
▼
Rate3.85%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Sep 27, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Sep 27, 2026: 3.92% APYSep 27, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60-Month IRA
$5,000
3.92% ▲ 0.89% above Arizona avg
View
▼
Rate3.85%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Sep 27, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Sep 27, 2026: 3.92% APYSep 27, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.87% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
3.90% ▲ 0.87% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
3.90% ▲ 0.87% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 2, 2026: 4.00% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▼ from 4.00%
  • Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.90% ▲ 0.87% above Arizona avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$1,000
3.90% ▲ 0.87% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
5 Year IRA/HSA/CESA
$500
3.90% ▲ 0.87% above Arizona avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 1, 2026: 3.90% APYOct 1, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
5 Year IRA/HSA/CESA
$500
3.86% ▲ 0.83% above Arizona avg
View
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.83% above avgNationally 2.90%
Details

Balance: $25,000 to $49,999

Rate History
1 change since Oct 1, 2026 · 3.90% → 3.86% ▼ 0.04 pts · high 3.90% / low 3.86%
3.36%3.88%4.40%Oct 1, 2026: 3.90% APYOct 10, 2026: 3.86% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.86%▼ from 3.90%
  • Oct 1, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.82% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
5 Year Certificate
$500
3.85% ▲ 0.82% above Arizona avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Certificate
$0
3.84% ▲ 0.81% above Arizona avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.81% above avgNationally 2.90%
Details

Balance: $2,500

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 60 Month
$0
3.84% ▲ 0.81% above Arizona avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.81% above avgNationally 2.90%
Details

Balance: $2,000

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 2 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
5 Year IRA/HSA/CESA
$500
3.80% ▲ 0.77% above Arizona avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Balance: $500 to $24,999

Rate History
1 change since Oct 1, 2026 · 3.90% → 3.80% ▼ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Oct 1, 2026: 3.90% APYOct 10, 2026: 3.80% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.80%▼ from 3.90%
  • Oct 1, 20263.90%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$1,000
3.75% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
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.

Top CD Rates from Oro Valley, Arizona Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Wells Fargo
1 year Standard Fixed Rate
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
BMO Bank National Association
12 Month IRA Certificates
A+ 5.0 ★ TX: 3.54%
Min: $0
0.75%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Academy Bank
18-Month Certificate of Deposit
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
Vio Bank
24 Month CD
A+ 5.0 ★ TX: 4.93%
Min: $500
4.40%
CU Top 5 Credit Union Rates
TUCSON
5 Year Business Certificate
A+ 5.0 ★ TX: 5.69%
Min: $500
4.80%
Pima Federal Credit Union
18 Month Term Share Certificates
A+ 5.0 ★ TX: 3.94%
Min: $0
4.25%
Vantage West Credit Union
60 Month CD
A+ 5.0 ★ TX: 5.26%
Min: $0
3.80%
OneAZ Credit Union
12-Month Certificate
A+ 5.0 ★ TX: 4.17%
Min: $5,000
3.50%
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.50%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Oro Valley, AZ CD Rate Trends

Compare local Oro Valley, 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.

View Full Arizona CD Trends
12-Month CD AZ Avg
3.375%
▲ 0.031 vs 7 days ago

Arizona 12-month CD rates rose 0.031 points over the past 7 days to 3.375% APY.

6-Month CD AZ Avg
3.123%
▲ 0.006 vs 7 days ago

Arizona 6-month CD rates rose 0.006 points over the past 7 days to 3.123% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

AZ CD Rate Forecast, Next 12 Months

Where are Arizona CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

AZ 12-Month Avg APY
3.375%
6-Month Forecast
3.375%
Range: 3.18%, 3.53%
12-Month Forecast
3.625%
Range: 3.43%, 3.78%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Arizona average 12-month CD APY in our database.

Spread model: The Arizona 12-month CD average currently trades 1.00% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.342% $117.10 $234.19 $585.48 $1,170.95
6-Month CD 3.123% $156.17 $312.34 $780.85 $1,561.70
12-Month CD 3.375% $168.73 $337.45 $843.62 $1,687.25
18-Month CD 3.252% $162.58 $325.15 $812.88 $1,625.75
24-Month CD 3.138% $156.88 $313.76 $784.40 $1,568.80
36-Month CD 2.971% $148.57 $297.13 $742.83 $1,485.65
48-Month CD 2.666% $133.30 $266.59 $666.48 $1,332.95
60-Month CD 3.026% $151.31 $302.62 $756.55 $1,513.10
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Oro Valley, 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.

Build Your Ladder
Rung Term Deposit AZ Avg APY Annual Earnings
1 3-Month CD $5,000 2.342% $117.10
2 6-Month CD $5,000 3.123% $156.17
3 12-Month CD $5,000 3.375% $168.73
4 24-Month CD $5,000 3.138% $156.88
5 36-Month CD $5,000 2.971% $148.57
Total ($25,000 invested) $25,000 2.990% blended $747.45/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.

Powered byMonitorBankRates
892
CD Rates
Tracked in Oro Valley, Arizona
26 Banks 39 Credit Unions

About Our Oro Valley, Arizona CD Rate Database

MonitorBankRates tracks 892 CD rates from 26 banks and 39 credit unions with locations in Oro Valley, 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 to 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: TUCSON offers a CD at 4.80% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Oro Valley, Arizona.

How to Find the Best CD Rates in Oro Valley, Arizona

What to compare when shopping for a CD in Oro Valley, Arizona

To find the best APYs in Oro Valley, Arizona, start with credit unions and online-only banks: Oro Valley, Arizona has 39 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 Oro Valley, 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 Oro Valley, Arizona: 65 institutions here report CD rates

Consider an Alternative If…

Oro Valley, Arizona Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
35.7%
National avg: 17.3%
Median Individual Earnings
$53,814
National avg: $47,340
Poverty Rate
6.5%
National avg: 11.1%
Unemployment Rate
2.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$182/yr
At AZ 12-mo avg 3.375% APY

35.7% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 2.3% reflects a strong local economy. At today’s AZ 12-month CD average of 3.375%, saving 10% of the local median salary ($5,381/year) and putting it in a CD would earn an additional $182 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 Oro Valley, 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 to 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 Oro Valley, 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 Oro Valley, 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 Oro Valley, Arizona as everywhere in the U.S.

Choosing a CD Term in Oro Valley, 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 Oro Valley, Arizona savers easier access to their funds. For example, TUCSON is offering its 180 Day Business Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, TUCSON is offering its 5 Year Business Certificate at 4.80% 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 Oro Valley, 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 Oro Valley, 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 Oro Valley, 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 Oro Valley, 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 Oro Valley, Arizona

Most CDs carry a fixed rate that is locked for the entire term, protecting a Oro Valley, 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 Oro Valley, Arizona

Are CD rates in Oro Valley, Arizona FDIC insured?

Yes, most established banks in Oro Valley, 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 Oro Valley, 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 Oro Valley, 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 Oro Valley, 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 Oro Valley, Arizona?

Here are recent top rates found for this area:
  • TUCSON: 4.80% APY (5 Year Business Certificate)
  • Pima Federal Credit Union: 4.25% APY (18 Month Term Share Certificates)
  • Vantage West Credit Union: 3.80% APY (60 Month CD)
  • OneAZ Credit Union: 3.50% APY (12-Month Certificate)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
  • BMO Bank National Association: 0.75% APY (12 Month IRA Certificates)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
  • America First Federal Credit Union: 4.50% APY (60 Month Flexible Certificate)
  • Landings Credit Union: 4.50% APY (12-Month LifeStage)
Rates reflect recent verified offers available in Oro Valley, Arizona. Last Updated: October 12, 2026

Oro Valley, 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 Oro Valley, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Oro Valley, Arizona CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Oro Valley, Arizona. Averages shown use the Arizona state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Oro Valley, Arizona

Oro Valley, Arizona CD Calculator

At today’s AZ top rate of 4.80% APY, a $10,000 deposit earns $480 in the first year. Enter your amount to see your exact return.

Oro Valley, Arizona CD Ladder

AZ CD rates currently range from 2.342% (3-month) to 2.971% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Oro Valley, Arizona CD at 4.80% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Arizona’s average 12-month CD is 3.375% 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 Oro Valley, 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 Oro Valley, 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 Oro Valley, 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: October 12, 2026

Oro Valley, Arizona Rates & Resources

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