Phoenix, Arizona CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current 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: 10.12%Real return: +1.40%APY minus CPI (February 2026) offering Certificate 24-month at 4.20% APY, Florida West Coast Credit UnionFlorida West Coast Credit Union4801 E THISTLE LANDING DR, PHOENIX, AZ 85044A+5.0 ★Texas Ratio: 1.91%Real return: +1.28%APY minus CPI (February 2026) offering 12 Month Certificate at 4.08% APY, Copper State Credit UnionCopper State Credit Union15458 N 28th Ave, Phoenix, AZ 85053A5.0 ★Texas Ratio: 6.92%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month Business Certificate at 4.00% APY, Pima Federal Credit UnionPima Federal Credit Union645 E Missouri Ave, Phoenix, AZ 85012A+5.0 ★Texas Ratio: 2.55%Real return: +1.20%APY minus CPI (February 2026) offering IRA Term Share Certificates-nowup to4.00%APY*! 6 months at 4.00% APY, and Goldwater BankGoldwater Bank2525 E Camelback Rd, Phoenix, AZ 85016A5.0 ★Texas Ratio: 11.19%Real return: +1.20%APY minus CPI (February 2026) offering CERTIFICATES OF DEPOSIT*** 18 Month at 4.00% APY. CD rates as of May 23, 2026 according to verified data from MonitorBankRates.
Phoenix has 175 local institutions in our database, with CD rates as high as 4.20% 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: May 23, 2026
Compare Best CD Rates in Phoenix, Arizona & the Surrounding Area
Phoenix 3 Month CD Rates
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*** 90 Day
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
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—
UpdatedMay 21, 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—
UpdatedMay 21, 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
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 N Central Ave Ste 110, Phoenix, AZ 85004
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months Certificate
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
3 Mo Share Certificate
$10,000
3.29%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$25,000
3.05%
▼
Rate3.01%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Share Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Non-Rewards+ Loyalty Program
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 3 Month
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Share Certificate 3 Month
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificate 3 Month
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
3 Month Standard CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Phoenix 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
6 Month Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
Business 6 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
6 months Term Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-ProfitTerm Share Certificates- nowup to4.00%APY*! 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates-nowup to4.00%APY*! 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
6 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
6 Month Liquid CD - no penalty
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
6 Month Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
6 Month CD
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 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*** 180 Day
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 180 Day
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 180 Day
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
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—
UpdatedMay 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
6 Month (182 Day) CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 6 Month Platinum
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 6 Month Gold
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 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—
UpdatedMay 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 6 Month Silver
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 6 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 months Certificate
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 months Certificate
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 months Certificate
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 months Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
6 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Terms and conditions apply.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6 Month Promo CD
$500
3.75%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
6 month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificates 6 Months
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Bonus Certificates
$40,000
3.60%
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
6 Mo Share Certificate
$2,500
3.53%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6-Month Share Certificate
$25,000
3.50%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 20, 2026
Details
Dividends paid at maturity
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
6 Mo. Certificate
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
6 Month Certificate Account
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
6 Mo. Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
6 Month Certificate Account
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
6 Mo. Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
6 Month Certificate Account
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Phoenix 12 Month CD Rates
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: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
12 Month Certificate
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
1 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
1 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
Business 1 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 12 Month
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT*** 12 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
Certificate 12-month
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6-12 MO. CERTS
$10,000
3.75%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6&12 MO. CERTS
$10,000
3.75%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 12 Months Platinum
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates-nowup to4.00%APY*! 12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-ProfitTerm Share Certificates- nowup to4.00%APY*! 12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
12 months Term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 12 Months Gold
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 12 Months Silver
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 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%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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
3.56%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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—
UpdatedMay 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
12 Month CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Relationship Rate
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
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 12 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 23, 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
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
12 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
12 Month Liquid CD - no penalty
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD - 12 Month Liquid CD no penalty
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 N Central Ave Ste 110, Phoenix, AZ 85004
12-month fixed-rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
Qualifying balance up to $49,000.00
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
12 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
GOAL SHARE CERTIFICATE 1 Year
$25
4.07%
▼
Rate4.00%
Min Deposit$25
Min Balance—
UpdatedMay 23, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
IRA Certificate 12 Month
$2,000
4.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
12 month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
12 Mo IRA Share Certificate
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pd Qtrly
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Bonus Certificates
$40,000
3.84%
▼
Rate3.78%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
12 Month Promo CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 1 Year IRA
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Mo. Certificate
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month Certificate Account
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month IRA Certificate Account
$99,000
3.77%
▼
Rate3.70%
Min Deposit$99,000
Min Balance—
UpdatedMay 22, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
12 Mo Share Certificate
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month IRA Certificate Account
$50,000
3.72%
▼
Rate3.65%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
12 Month Certificate Account
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Phoenix 18 Month CD Rates
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%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT*** 18 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 18 Months Platinum
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
Certificate 18-month
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 18 Months Gold
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 18 Months Silver
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 18 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
18 Month IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
18 months Term Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates-nowup to4.00%APY*! 18 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
18 months
$500
0.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Promo CD
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
New money only; Alero Financial membership required
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificates 18 Months
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
IRA Certificate 18 Month
$2,000
3.55%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 18 month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 18 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
18 Month TSC or IRA TSC
$10,000
3.10%
▼
Rate3.06%
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 18 month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Non-Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Non-Rewards+ Loyalty Program
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
18 Month TSC or IRA TSC
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18 Month Term CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 18 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Share Certificate 18 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificate 18 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Standard CD
$500
0.80%
▼
Rate0.80%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Months Certificates
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Phoenix 24 Month CD Rates
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: 10.12%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
Certificate 24-month
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
2 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
2 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
Business 2 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 24 Months Platinum
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 24 Months Gold
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
24 Month Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 24 Months Silver
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 24 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
24 Month CD
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 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
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
24 Month Jump Up CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 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
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
18, 24 months Term Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
24 months Term Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-ProfitTerm Share Certificates- nowup to4.00%APY*! 24 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates-nowup to4.00%APY*! 24 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
24 Month CD
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 years Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 years Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 years Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
24 Month Jump Up CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 years Certificate
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 24 Month
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
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—
UpdatedMay 21, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
24-Mo Trad/Roth IRA CD (Fixed)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
2 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
24 Month Promo CD
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificates 24 Months
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Month IRA Certificate Account
$99,000
3.56%
▼
Rate3.50%
Min Deposit$99,000
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Month Certificate Account
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Mo. Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
IRA Certificate 24 Month
$2,000
3.55%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 18, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Mo. Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Month Certificate Account
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
24 Month IRA Certificate Account
$50,000
3.51%
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Phoenix 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
3 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
3 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
Business 3 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
36 Months Platinum
$10,000
3.80%
▼
Rate3.73%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 36 Months Platinum
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
36 Months Gold
$10,000
3.75%
▼
Rate3.69%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 36 Months Gold
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
36 Month CD
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Relationship Rate
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
36 Months Silver
$10,000
3.70%
▼
Rate3.64%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 36 Months Silver
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
36 Month Jump Up CD
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Relationship Rate
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 36 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
36 Months
$10,000
3.55%
▼
Rate3.49%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
36 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
36 Month IRA CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 years Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 years Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
36 Month Jump Up CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 years Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 years Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-ProfitTerm Share Certificates- nowup to4.00%APY*! 36 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates-nowup to4.00%APY*! 36 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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—
UpdatedMay 21, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
36 months Term Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
3 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificates 36 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 36 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Terms and conditions apply.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
36 Mo. Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Phoenix 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
4 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
4 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
Business 4 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
48 Months Platinum
$10,000
3.70%
▼
Rate3.64%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 48 Months Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
48 Months Gold
$10,000
3.65%
▼
Rate3.59%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 48 Months Gold
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
48 Months Silver
$10,000
3.60%
▼
Rate3.54%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 48 Months Silver
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
48 Months
$10,000
3.45%
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
4 years Certificate
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates-nowup to4.00%APY*! 48 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-ProfitTerm Share Certificates- nowup to4.00%APY*! 48 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
48 months Term Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
4 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificates 48 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 48 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
48 Month TSC or IRA TSC
$10,000
3.30%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 20, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
4 Year Share Certificate
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
48 Month TSC or IRA TSC
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
48-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Month Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Non-Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 48 month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Non-Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year Certificate
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year Certificate (Jumbo)
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 48 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Share Certificate 48 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificate 48 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year Certificate
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA
$50,000
2.80%
▼
Rate2.76%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA Certificates
$50,000
2.80%
▼
Rate2.76%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA Certificates
$25,000
2.75%
▼
Rate2.71%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA
$25,000
2.75%
▼
Rate2.71%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA
$0
2.70%
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year IRA Certificate
$1,000
2.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
4-Year Share Certificate
$1,000
2.70%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of deposit 48 months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
There may be a penalty for withdrawing your money early.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
48 Month Term CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Phoenix 60 Month CD Rates
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: 10.12%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
Certificate 60-month
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
5 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
Business 5 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
15458 N 28th Ave, Phoenix, AZ 85053
5 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
60 Month CD
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Relationship Rate
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
60 Months Platinum
$10,000
3.60%
▼
Rate3.54%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 60 Months Platinum
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
60 Months Gold
$10,000
3.55%
▼
Rate3.49%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 60 Months Gold
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
10440 N 32nd St, Phoenix, AZ 85028
60 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
60 Months Silver
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 60 Months Silver
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
60 Months
$10,000
3.35%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 60 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60-Mo Trad/Roth IRA CD (Fixed)
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
5 years Certificate
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates-nowup to4.00%APY*! 60 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-ProfitTerm Share Certificates- nowup to4.00%APY*! 60 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
30, 36, 48, 60 months Term Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
645 E Missouri Ave, Phoenix, AZ 85012
60 months Term Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 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%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
5 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 60 month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Certificates 60 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 60 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
60 Month Promo CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Phoenix, Arizona at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Phoenix depositors is 4.20% APY from Mountain America Federal Credit Union. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
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.
12-Month CD — AZ Avg
3.440%
▼ 0.011 vs 7 days ago
Arizona 12-month CD rates fell 0.011 points over the past 7 days to 3.440% APY.
6-Month CD — AZ Avg
3.331%
▼ 0.001 vs 7 days ago
Arizona 6-month CD rates fell 0.001 points over the past 7 days to 3.331% APY.
As of May 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
AZ CD Rate Forecast — Next 12 Months
Where are Arizona CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AZ 12-Month Avg APY
3.440%
6-Month Forecast
3.440%
Range: 3.24% – 3.59%
12-Month Forecast
3.190%
Range: 2.99% – 3.34%
Powered by
MonitorBankRates
What Your Savings Earn at AZ CD Rates Today
Annual interest earnings at today’s Arizona average APYs. State average used where available; national average as fallback.
| CD Term | AZ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.851% | $142.54 | $285.07 | $712.68 | $1,425.35 |
| 6-Month CD | 3.331% | $166.55 | $333.09 | $832.73 | $1,665.45 |
| 12-Month CD | 3.440% | $171.98 | $343.96 | $859.90 | $1,719.80 |
| 18-Month CD | 3.369% | $168.45 | $336.90 | $842.25 | $1,684.50 |
| 24-Month CD | 3.414% | $170.70 | $341.39 | $853.48 | $1,706.95 |
| 36-Month CD | 3.363% | $168.16 | $336.31 | $840.78 | $1,681.55 |
| 48-Month CD | 3.367% | $168.37 | $336.74 | $841.85 | $1,683.70 |
| 60-Month CD | 3.458% | $172.91 | $345.81 | $864.53 | $1,729.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 23, 2026. | |||||
Sample CD Ladder for Phoenix, Arizona Savers
$25,000 split equally across 5 terms using today’s Arizona average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AZ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.851% | $142.54 |
| 2 | 6-Month CD | $5,000 | 3.331% | $166.55 |
| 3 | 12-Month CD | $5,000 | 3.440% | $171.98 |
| 4 | 24-Month CD | $5,000 | 3.414% | $170.70 |
| 5 | 36-Month CD | $5,000 | 3.363% | $168.16 |
| Total ($25,000 invested) | $25,000 | 3.280% blended | $819.93/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.
465
CD Rates
Tracked in Phoenix, Arizona
Tracked in Phoenix, Arizona
14 Banks
26 Credit Unions
About Our Phoenix, Arizona CD Rate Database
MonitorBankRates tracks 465 CD rates from 14 banks and 26 credit unions with locations in Phoenix, Arizona, plus national online institutions available to Arizona residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Mountain America Federal Credit Union offers a CD at 4.20% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Phoenix, Arizona.
How to Find the Best CD Rates in Phoenix, Arizona
What to compare when shopping for a CD in Phoenix, Arizona
To find the best APYs in Phoenix, Arizona, start with credit unions and online-only banks — Phoenix, Arizona has 26 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 Phoenix, 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 Phoenix, Arizona — 40 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Phoenix, Arizona savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Phoenix, Arizona money market rates
Phoenix, Arizona Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
12.2%
National avg: 17.3%
Median Individual Earnings
$43,488
National avg: $47,340
Poverty Rate
13.7%
National avg: 11.1%
Unemployment Rate
5.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$150/yr
At AZ 12-mo avg 3.440% APY
12.2% of residents are 65 or older — below the national average of 17.3%. At today’s AZ 12-month CD average of 3.440%, saving 10% of the local median salary ($4,348/year) and putting it in a CD would earn an additional $150 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 Phoenix, Arizona
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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: 4.20% APY (Certificate 24-month)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
- Copper State Credit Union: 4.00% APY (6 Month Business Certificate)
- Goldwater Bank: 4.00% APY (CERTIFICATES OF DEPOSIT*** 12 Month)
- Sharefax Credit Union: 4.00% APY (IRA & HSA Certificates 18 Months Platinum)
- Pima Federal Credit Union: 4.00% APY (6 months Term Share Certificates)
- Vantage West Credit Union: 3.81% APY (60 Month CD)
- Banner Federal Credit Union: 3.75% APY (6&12 MO. CERTS)
- 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: May 23, 2026
CD Calculators for Phoenix, Arizona
Phoenix, Arizona CD Calculator
At today’s AZ top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.
Phoenix, Arizona CD LadderAZ CD rates currently range from 2.851% (3-month) to 3.363% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Phoenix, Arizona CD at 4.20% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsArizona’s average 12-month CD is 3.440% 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 Phoenix, 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 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 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 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: May 23, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking