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CD Rates Phoenix, Arizona (AZ) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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: April 11, 2026

Current Phoenix, Arizona CD rates include Mountain America Federal Credit UnionMountain America Federal Credit Union10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028A5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.15% APY, Florida West Coast Credit UnionFlorida West Coast Credit Union4801 E THISTLE LANDING DR, PHOENIX, AZ 85044A+5.0 ★Texas Ratio: 1.98% offering 12 Month Certificate at 4.08% APY, Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit Union24000 N Farmers Way, Phoenix, AZ 85085A-5.0 ★Texas Ratio: 15.43% offering 3-Month Certificate at 4.00% APY, Goldwater BankGoldwater Bank2525 E Camelback Rd, Phoenix, AZ 85016A5.0 ★Texas Ratio: 11.19% offering CERTIFICATES OF DEPOSIT*** 18 Month at 4.00% APY, and KS StateBankKS StateBank5110 N Central Ave, Phoenix, AZ 85012A5.0 ★Texas Ratio: 9.13% offering 6 Month CD at 4.00% APY. CD rates as of April 11, 2026 according to verified data from MonitorBankRates.

Phoenix has 59 local institutions in our database, with CD rates as high as 4.15% APY from Mountain America Federal Credit Union at 10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Arizona area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 11, 2026

Compare Best CD Rates in Phoenix, Arizona & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ 85085
3-Month Certificate
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No minimum deposit.

Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificates of Deposit Platinum Tier
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Loyalty Program

Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 90 Day
$500
3.75%
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Month (91 Day) CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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

OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
3 Month Share Certificate
$0
2.40%
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.

Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
New 3 Mo Share Certificate
$10,000
3.29%
View
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 Month Certificate
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Rewards+ Loyalty Program

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Month Certificate
$100,000
3.15%
View
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3-month CD
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Early Withdrawal Penalties: 90 days interest

Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Month Term
$0
2.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month Standard CD
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
6 Month CD
$500
4.00%
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD 6 Month Liquid CD - no penalty
$0
3.90%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
6 Month Certificate
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
11209 N Tatum Blvd, Phoenix, AZ 85028
6 Month CD
$5,000
3.80%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
6 Month CD
$0
3.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Relationship Rate

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
6 Month (182 Day) CD
$0
3.58%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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

Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 6 Month Platinum
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
5090 N 40th St, Phoenix, AZ 85018
6-Month CD Special
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
6 Month Share Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
6 Month Certificate
$500
1.72%
View
▼
Rate1.70%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

$500 minimum

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
6 Month Promo CD
$500
3.75%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Term Certificate 6 Month
$0
3.72%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

over $50,000

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
New 6 Mo Share Certificate
$2,500
3.53%
View
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 Minimum to Earn APY

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
6 Month Certificate Account
$99,000
3.41%
View
▼
Rate3.35%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month Certificate
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Rewards+ Loyalty Program

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6-Month Certificate
$100,000
3.15%
View
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
6-Month Share Certificates
$0
3.05%
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 6 month
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
6 Month Term
$0
2.82%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Share Certificate
$100,000
0.30%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
12 Month Certificate
$0
4.08%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 12 Month
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
1 Year CD
$500
3.95%
View
▼
Rate3.89%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 year Certificate
$0
3.61%
View
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
1 Year (12 Month) CD
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
12 Month CD
$0
3.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Relationship Rate

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
Traditional & IRA Savings Certificates 1 Year
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
12 Month Share Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
4925 N 20th St, Phoenix, AZ 85016
1 Year Time Deposit Account
$0
2.15%
View
▼
Rate2.12%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
1 Year Certificate
$1,000
1.91%
View
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

$1,000 minimum

USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ 85085
1 year Jumbo CD
$0
1.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ 85016
IRA CD 1 Year
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
1-year convertible CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $49,000.00

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificate 12 Month
$2,000
4.30%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 11, 2026
Details

Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
New 12 Mo IRA Share Certificate
$0
3.96%
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$10,000 - $49,999.99

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Month Promo CD
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
12 Month Certificate Account
$99,000
3.77%
View
▼
Rate3.70%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
12-month CD
$0
3.67%
View
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Early Withdrawal Penalties: 180 days interest

Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
12-month CD
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1-Year Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 Minimum to Earn APY

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 12 month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
1 Year Term Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
12 Month TSC or IRA TSC
$10,000
3.15%
View
▼
Rate3.11%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Term CD
$1,000
3.13%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Compounded Monthly

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 Month Certificate
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Non-Rewards+ Loyalty Program

Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
1 Year Share Certificates
$0
3.05%
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month Term
$0
3.04%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 12 Month
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Share Certificate
$100,000
0.35%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 18 Month
$500
4.00%
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
Standard certificate 18-month certificate
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
11209 N Tatum Blvd, Phoenix, AZ 85028
18 Month CD
$5,000
3.51%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
18 Month IRA CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.33%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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

OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
18 Month Share Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificate 18 Month
$2,000
4.05%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$1,000 - $49,999.99

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Month Promo CD
$500
3.85%
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 Minimum to Earn APY

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
18-month CD
$0
3.38%
View
▼
Rate3.33%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Early Withdrawal Penalties: 180 days interest

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 18 month
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
18 Month Term
$0
3.31%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
18 Month TSC or IRA TSC
$10,000
3.20%
View
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
18 Month Certificate
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Non-Rewards+ Loyalty Program

Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Term CD
$1,000
3.01%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Compounded Monthly

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
18-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
24 Month Certificate
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
2 Year CD
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
24 Month CD
$0
3.61%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Relationship Rate

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
2 Year (24 Month) CD
$0
3.30%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
24 Month Share Certificate
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
2 Year Certificate
$1,000
2.01%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

$1,000 minimum

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
4925 N 20th St, Phoenix, AZ 85016
2 Year Time Deposit Account
$0
1.85%
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 and over

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
24 Month Certificate Account
$99,000
3.56%
View
▼
Rate3.50%
Min Deposit$99,000
Min Balance—
UpdatedApr 11, 2026
Details

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24 Month IRA
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24 Month Certificate
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Rewards+ Loyalty Program

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 Minimum to Earn APY

American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
24 Month TSC or IRA TSC
$10,000
3.25%
View
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24-Month Certificate
$500
3.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
2 Year Share Certificates
$0
3.05%
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2-Year Certificate
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
24 Month Term CD
$1,000
2.86%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Compounded Monthly

Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Term Certificate 2 Year
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

over $50,000

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
24-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
2 Year Standard CD
$500
0.90%
View
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month Share Certificate
$100,000
0.50%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
3 Year CD
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
36 Month CD
$0
3.71%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Relationship Rate

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.30%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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

Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 3 Year
$500
3.00%
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
36 Month Share Certificate
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
3 Year Certificate
$1,000
2.52%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

$1,000 minimum

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36-month CD Special
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 Minimum to Earn APY

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
36 Month Certificates
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 36 month
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 Month Certificate
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Rewards+ Loyalty Program

American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
36 Month TSC or IRA TSC
$10,000
3.35%
View
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
36 Month Certificate Account
$50,000
3.25%
View
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificate 36 Month
$2,000
3.05%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 11, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
36-Month Certificate
$500
3.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Year Certificate
$100,000
2.70%
View
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Term Certificate 3 year
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

over $50,000

Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Term CD
$1,000
2.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Compounded Monthly

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
36-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Year Standard CD
$500
0.95%
View
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month Share Certificate
$100,000
0.65%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
4 Year CD
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
48 Month Share Certificate
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 48 month
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 Month Certificate
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Rewards+ Loyalty Program

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48-month CD
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Early Withdrawal Penalties: 360 days interest

American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
48 Month TSC or IRA TSC
$10,000
3.40%
View
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Share Certificates
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
48-Month Certificate
$500
3.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4-Year Certificate
$50,000
2.80%
View
▼
Rate2.77%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
48 month Certificate
$500
2.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
48-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Term Certificate 4 Year
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

over $50,000

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4 Year Standard CD
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month Share Certificate
$1,000
0.95%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
Youth certificate 60-month youth certificate
$0
4.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
5 Year CD
$500
3.90%
View
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
60 Month CD
$0
3.81%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Relationship Rate

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.30%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
View
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 5 Year
$500
3.00%
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
60 Month Share Certificate
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
4925 N 20th St, Phoenix, AZ 85016
5 Year Time Deposit Account
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 and over

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 60 month
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 Month Certificate
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Rewards+ Loyalty Program

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60-month CD
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Early Withdrawal Penalties: 360 days interest

Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year Share Certificates
$0
3.25%
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
60 Month TSC or IRA TSC
$500
3.15%
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5-Year Certificate
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60-Month Certificate
$500
3.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificate 60 Month
$2,000
2.80%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 11, 2026
Details

Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
60 Month Term CD
$1,000
2.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Compounded Monthly

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
60-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
Term Certificate 5 Year
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

over $50,000

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Share Certificate
$100,000
1.35%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
5 Year Standard CD
$500
1.10%
View
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

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.

Phoenix, AZ CD Rate Trends

Compare local Phoenix, 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
3.511%
▲ 0.491 vs 7 days ago

Arizona 12-month CD rates rose 0.491 points over the past 7 days to 3.511% APY.

6-Month CD — AZ Avg
2.929%
▼ 0.010 vs 7 days ago

Arizona 6-month CD rates fell 0.010 points over the past 7 days to 2.929% APY.

As of Apr 11, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Phoenix, Arizona

Are CD rates in Phoenix, Arizona FDIC insured?

Yes, most established banks in Phoenix, 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 Phoenix, 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 Phoenix, 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 Phoenix, 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 Phoenix, Arizona?

Here are recent top rates found for this area:
  • Mountain America Federal Credit Union: 4.15% APY (Youth certificate 60-month youth certificate)
  • Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
  • Farmers Insurance Federal Credit Union: 4.00% APY (3-Month Certificate)
  • Goldwater Bank: 4.00% APY (CERTIFICATES OF DEPOSIT*** 18 Month)
  • KS StateBank: 4.00% APY (6 Month CD)
  • Vantage West Credit Union: 3.81% APY (60 Month CD)
  • NexTier Bank: 3.80% APY (6 Month CD)
  • Bankers Trust Company: 3.80% APY (3 Month Certificates of Deposit Platinum Tier)
  • Mayo Employees Federal Credit Union: 3.61% APY (1 year Certificate)
  • Bell Bank: 3.60% APY (3 Month (91 Day) CD)
Rates reflect recent verified offers available in Phoenix, Arizona. Last Updated: April 11, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
CD vs. HYSA

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Phoenix, Arizona directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Phoenix, Arizona. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AZ.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 11, 2026

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