CD Rates Phoenix, Arizona (AZ) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current 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 4.09% 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, KS StateBankKS StateBank5110 N Central Ave, Phoenix, AZ 85012A5.0 ★Texas Ratio: 9.13% offering 6 Month CD at 4.00% APY, and Copper State Credit UnionCopper State Credit Union15458 N 28th Ave, Phoenix, AZ 85053A5.0 ★Texas Ratio: 7.57% offering 5 Year Business Certificate at 4.00% APY. CD rates as of March 29, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Phoenix, Arizona, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 29, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Loyalty Program
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT*** 90 Day
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Daily Balance of $99,999.01 or more
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2990 N Litchfield Rd, Goodyear, AZ 85395
3 Month Certificate of Deposit
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ 85937
New Certificates 3 Mo
$10,000
3.29%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
3 month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
3-month CD
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalties: 90 days interest
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ 85607
3 Month Term
$0
2.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ 85748
3 Month Standard CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD 6 Month Liquid CD - no penalty
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
11209 N Tatum Blvd, Phoenix, AZ 85028
6 Month CD
$5,000
3.80%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 29, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Daily Balance of $99,999.01 or more
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 6 Month Platinum
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate1.70%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
$500 minimum
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
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%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ 85748
6 Month Promo CD
$500
3.85%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 and over
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 6 Month
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
over $50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
6 Month Bonus Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ 85937
New Certificates 6 Mo
$2,500
3.53%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ 85705 1551
6 Mo. Certificate
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
6 month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
6-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
6-Month Share Certificates
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 6 month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ 85607
6 Month Term
$0
2.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
6 Month Share Certificate
$100,000
0.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 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
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
1 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
1 Year CD
$500
3.95%
▼
Rate3.89%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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
$1,000
3.61%
▼
Rate3.56%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Daily Balance of $99,999.01 or more
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship Rate
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT*** 12 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate2.12%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
$1,000 minimum
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $49,000.00
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 12 Month
$2,000
4.30%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMar 29, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
GOAL SHARE CERTIFICATE 1 Year
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ 85937
New Certificates 12 Mo IRA
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Pd Qtrly
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$10,000 - $49,999.99
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ 85748
12 Month Promo CD
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
12 Month Bonus Certificates
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month Certificate
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
12-month CD
$0
3.67%
▼
Rate3.61%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalties: 180 days interest
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
960 W Elliot Rd, Tempe, AZ 85284
Online Certificates of Deposit 12-month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Minimum opening deposit $1,000
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 12 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
1 Year Term Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
12 Month TSC or IRA TSC
$10,000
3.15%
▼
Rate3.11%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
12 Month Term CD
$1,000
3.13%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Compounded Monthly
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
12 month Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Non-Rewards+ Loyalty Program
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ 85607
12 Month Term
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2990 N Litchfield Rd, Goodyear, AZ 85395
12 Month Certificate of Deposit
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
12 Month Share Certificate
$100,000
0.35%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 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
Standard certificate 18-month certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
11209 N Tatum Blvd, Phoenix, AZ 85028
18 Month CD
$5,000
3.51%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 29, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Daily Balance of $99,999.01 or more
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT*** 18 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 18 Month
$2,000
4.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMar 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ 85748
18 Month Promo CD
$500
3.95%
▼
Rate3.89%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
8337 W Bell Rd Ste 102, Peoria, AZ 85382 3798
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Save more when you move at least $500 from another financial institution.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
18-month CD
$0
3.38%
▼
Rate3.33%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalties: 180 days interest
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 18 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ 85607
18 Month Term
$0
3.31%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$10,000
3.20%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
18 month Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Non-Rewards+ Loyalty Program
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
18 Month Term CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Compounded Monthly
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
13877 W Thunderbird St, Glendale, AZ 85307
18-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
2 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
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
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
2 Year CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Daily Balance of $99,999.01 or more
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT*** 24 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 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%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 and over
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
24 Month Bonus Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ 85607
24 Month Term
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 24 Month
$2,000
3.55%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMar 29, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Mo. Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
24 month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Rewards+ Loyalty Program
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 24 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
24 Month TSC or IRA TSC
$10,000
3.25%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
24-Month Certificate
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
2 Year Share Certificates
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
2-Year Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
24 Month Term CD
$1,000
2.86%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Compounded Monthly
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 2 Year
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
over $50,000
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
13877 W Thunderbird St, Glendale, AZ 85307
24-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ 85748
2 Year Standard CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
24 Month Share Certificate
$100,000
0.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
3 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
3 Year CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Daily Balance of $99,999.01 or more
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT*** 3 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
$1,000 minimum
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$50,000 - $99,999.99
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
13503 W Camino Del Sol, Sun City West, AZ 85375
36-month CD Special
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 36 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
36 month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Rewards+ Loyalty Program
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
36 Month TSC or IRA TSC
$10,000
3.35%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
3 Year Share Certificates
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Mo. Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 36 Month
$2,000
3.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMar 29, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
36-Month Certificate
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Year Certificate
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 3 year
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
over $50,000
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
36 Month Term CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Compounded Monthly
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
13877 W Thunderbird St, Glendale, AZ 85307
36-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ 85748
3 Year Standard CD
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
36 Month Share Certificate
$100,000
0.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
4 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
4 Year CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
48 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
48 month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Rewards+ Loyalty Program
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
48-month CD
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalties: 360 days interest
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$10,000
3.40%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
4 Year Share Certificates
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
48-Month Certificate
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
48 month Certificate
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
13877 W Thunderbird St, Glendale, AZ 85307
48-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 4 Year
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
over $50,000
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
48 Month Share Certificate
$100,000
1.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 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
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
5 Year Business Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
KS StateBank
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
5110 N Central Ave, Phoenix, AZ 85012
5 Year CD
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedMar 29, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Daily Balance of $99,999.01 or more
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT*** 5 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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%
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 and over
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 60 month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1575 S Price Road, Chandler, AZ 85286
60 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ 85748
60 Month Promo CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
60 month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Rewards+ Loyalty Program
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
60-month CD
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalties: 360 days interest
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ 85705
5 Year Share Certificates
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3090 E Fry Blvd, Sierra Vista, AZ 85635
60 Month TSC or IRA TSC
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
60-Month Certificate
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 60 Month
$2,000
2.80%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMar 29, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
60 Month Term CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Compounded Monthly
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
13877 W Thunderbird St, Glendale, AZ 85307
60-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 5 Year
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
over $50,000
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ 86426 9377
60 Month Share Certificate
$100,000
1.35%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Phoenix, AZ CD Rate Trends
Compare local Phoenix, AZ CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — AZ Avg
2.222%
▼ 0.960 from last week
Arizona 12-month CD rates fell 0.960 points this week to 2.222% APY, down from 3.182% last week.
6-Month CD — AZ Avg
1.421%
▼ 2.018 from last week
Arizona 6-month CD rates fell 2.018 points this week to 1.421% APY, down from 3.439% last week.
As of Mar 29, 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: 4.09% 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)
- KS StateBank: 4.00% APY (6 Month CD)
- Copper State Credit Union: 4.00% APY (5 Year Business Certificate)
- Goldwater Bank: 3.90% APY (GOLDWATER LIQUID CD 6 Month Liquid CD - no penalty)
- Vantage West Credit Union: 3.81% APY (60 Month CD)
- Bankers Trust Company: 3.80% APY (3 Month Certificates of Deposit Platinum Tier)
- NexTier Bank: 3.80% APY (6 Month CD)
- Mayo Employees Federal Credit Union: 3.61% APY (1 year Certificate)
Rates reflect recent verified offers available in Phoenix, Arizona. Last Updated: March 29, 2026
CD Calculators
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: March 29, 2026
