Phoenix, Arizona Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
Phoenix, Arizona CD rates range from 0.01% to 4.80% APY, verified by MonitorBankRates as of October 14, 2026. Current Phoenix, Arizona CD rates include Mountain America Federal Credit UnionMountain America Federal Credit Union10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028A5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459A+5.0 ★Texas Ratio: 1.33%Real return: +1.65%APY minus CPI (February 2026) offering 12 Month Share Certificate at 4.45% APY, Vio BankVio Bank3030 E Camelback Rd, Phoenix, AZ 85016A+5.0 ★Texas Ratio: 4.93%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month Certificate of Deposit (CD) at 4.40% APY, Navy Federal Credit UnionNavy Federal Credit Union1928 E Highland Ave, Phoenix, AZ 85016 4626A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, and Flagstar Bank, National AssociationFlagstar Bank, National Association10633 N Tatum Blvd, Phoenix, AZ 85028D3.3 ★Texas Ratio: 35.11%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month Business CD at 4.30% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Phoenix has 485 local institutions in our database, with CD rates as high as 4.50% 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 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
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit - Loyalty Program Platinum Tier
$0
4.06%
▲ 1.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.72% above avgNationally 2.09%
Details
Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
3-Month Certificate
$0
4.00%
▲ 1.66% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.66% above avgNationally 2.09%
Details
No minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
Limited Time 3 Month Share Certificate
$1,000
4.00%
▲ 1.66% above Arizona avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.66% above avgNationally 2.09%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit - Loyalty Program Gold Tier
$0
3.96%
▲ 1.62% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.62% above avgNationally 2.09%
Details
Loyalty Program1 Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Rate History
No change since Oct 7, 2026 · 3.96% APY · checked 2 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
2036 E Camelback Rd, Phoenix, AZ 85016
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.51% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Arizona Average2.34%▲ 1.51% above avgNationally 2.09%
Details
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit - Loyalty Program Silver Tier
$0
3.85%
▲ 1.51% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.51% above avgNationally 2.09%
Details
Loyalty Program1 Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit - Loyalty Program Bronze Tier
$0
3.75%
▲ 1.41% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details
Loyalty Program1 Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 90 Day
$500
3.75%
▲ 1.41% above Arizona avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details
Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 90 Day
$0
3.75%
▲ 1.41% above Arizona avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details
Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Month (91 Day) CD
$0
3.60%
▲ 1.26% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.26% above avgNationally 2.09%
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Month (91 Day) CD
$0
3.55%
▲ 1.21% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.21% above avgNationally 2.09%
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit
$0
3.55%
▲ 1.21% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.21% above avgNationally 2.09%
Details
Base Interest Rate (Consumer Rate Sheet): 3.50%
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
3 Month Share Certificate
$0
3.50%
▲ 1.16% above Arizona avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▲ 1.16% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
- Oct 13, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
3 Month Certificate of Deposit
$1,000
2.00%
▼ 0.34% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 0.34% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.79% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 0.79% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.84% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 0.84% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Month Certificate
$1,000
0.60%
▼ 1.74% below Arizona avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.74% below avgNationally 2.09%
Details
Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 0.60% APY · checked 4 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Month Certificate
$1,000
0.55%
▼ 1.79% below Arizona avg
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.79% below avgNationally 2.09%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 0.55% APY · checked 4 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Month Certificate
$1,000
0.50%
▼ 1.84% below Arizona avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.84% below avgNationally 2.09%
Details
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 4 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Month Certificate
$1,000
0.45%
▼ 1.89% below Arizona avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.89% below avgNationally 2.09%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 0.45% APY · checked 4 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2198 E Camelback Rd, Phoenix, AZ 85016
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10%
▼ 2.24% below Arizona avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.24% below avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2198 E Camelback Rd, Phoenix, AZ 85016
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 2.24% below Arizona avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.24% below avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate
$2,500
0.06%
▼ 2.28% below Arizona avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.28% below Arizona avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
90 Day Certificate
$0
0.06%
▼ 2.28% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate
$2,500
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2198 E Camelback Rd, Phoenix, AZ 85016
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: $1,000 - $90,000
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2198 E Camelback Rd, Phoenix, AZ 85016
3 Month Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: $1,000 +
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
3 Month Standard CD
$1,000
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
3 Month Certificate of Deposit
$0
0.03%
▼ 2.31% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.31% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
3 Month Certificate of Deposit
$0
0.02%
▼ 2.32% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.32% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
3 Month Certificate of Deposit
$0
0.01%
▼ 2.33% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.33% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.24% above Arizona avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average2.34%▲ 2.24% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
3 Month Share Certificate
$0
4.06%
▲ 1.72% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▲ 1.72% above avgNationally 2.09%
Details
Balance: $10,000 - up; Renewal Rate: 3.500%; Renewal APY: 3.546%
Rate History
1 change since Sep 14, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
- Oct 13, 20264.06%▲ from 3.29%
- Sep 14, 20263.29%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60%
▲ 1.26% above Arizona avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.34%▲ 1.26% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.60% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60%
▲ 1.26% above Arizona avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.34%▲ 1.26% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.60% APY
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate
$500
3.50%
▲ 1.16% above Arizona avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.16% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.15%
▲ 0.81% above Arizona avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.81% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificate Term
$0
3.10%
▲ 0.76% above Arizona avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.76% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.05%
▲ 0.71% above Arizona avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.71% above avgNationally 2.09%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.00%
▲ 0.66% above Arizona avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.66% above avgNationally 2.09%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$1,000
3.00%
▲ 0.66% above Arizona avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.34%▲ 0.66% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Phoenix 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
6 Month Share Certificate
$0
4.15%
▲ 1.03% above Arizona avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 1.03% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
- Oct 13, 20264.15%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10633 N Tatum Blvd, Phoenix, AZ 85028
6-Month Business CD
$2,500
4.10%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.98% above avgNationally 2.77%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.10% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10633 N Tatum Blvd, Phoenix, AZ 85028
6-Month CD
$2,500
4.10%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.98% above avgNationally 2.77%
Details
Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
6 Month Jumbo Certificate
$100,000
4.05%
▲ 0.93% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.93% above avgNationally 2.77%
Details
APY as high as 4.05%; Rate type: Fixed; Terms available from six months to five years; No monthly or annual service fees; Minimum balance $100,000
Rate History
1 change since Sep 18, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
- Oct 10, 20264.05%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
Limited Time 6 Month Share Certificate
$1,000
4.00%
▲ 0.88% above Arizona avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
6 Month Business Certificate
$500
4.00%
▲ 0.88% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
6 Month Certificate
$500
4.00%
▲ 0.88% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
6 Month IRA Certificate
$500
4.00%
▲ 0.88% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
6 Month CD - Relationship
$0
3.96%
▲ 0.84% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.84% above avgNationally 2.77%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 5 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD - 6 Month Liquid CD - no penalty
$0
3.90%
▲ 0.78% above Arizona avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.78% above avgNationally 2.77%
Details
Rate History
No change since Sep 7, 2026 · 3.90% APY · checked 3 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
6 Month Certificate Accounts
$0
3.85%
▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.77%
Details
Min. Amount: $50,000
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
6 Month Certificate of Deposit (CD)
$0
3.85%
▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
6 Month Certificate of Deposit
$0
3.82%
▲ 0.70% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.77%
Details
Balance: $500.00 to $49,999.99
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 3 times
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
6 Month Certificate
$1,000
3.82%
▲ 0.70% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
6 Month Certificate Accounts
$0
3.80%
▲ 0.68% above Arizona avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 Month Certificate
$1,000
3.80%
▲ 0.68% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
6 Month Certificate Accounts
$0
3.80%
▲ 0.68% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Min. Amount: $25,000
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 180 Day
$500
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 180 Day
$0
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
6 Month Certificate Accounts
$0
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
6 Month Term Share Certificates
$0
3.75%
▲ 0.63% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.50%
- Oct 12, 20263.75%▲ from 3.50%
- Oct 4, 20263.50%▼ from 4.00%
- Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 Month Certificate
$1,000
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
6 Month Certificate Accounts
$0
3.75%
▲ 0.63% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Min. Amount: $10,000
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Month Share Certificate
$0
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $10,000 or Greater
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
6 Month Certificate Accounts
$0
3.70%
▲ 0.58% above Arizona avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 Month Certificate
$1,000
3.70%
▲ 0.58% above Arizona avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
6 Month Certificate Accounts
$0
3.70%
▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Min. Amount: $500
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
6 Month CD
$0
3.70%
▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Consumer Certificate of Deposit; APY accurate as of 10/02/2026; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
Business 6 Month CD
$0
3.70%
▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Consumer Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
6-Month Jumbo Certificate
$0
3.70%
▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Featured rate; Jumbo certificate; Fixed for the term; Dividends compounded monthly
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Oct 10, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Month Share Certificate
$0
3.70%
▲ 0.58% above Arizona avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Balance: $500-$9,999
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 Month Certificate
$1,000
3.65%
▲ 0.53% above Arizona avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.53% above avgNationally 2.77%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 4 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
6 Month (182 Day) CD
$0
3.58%
▲ 0.46% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.46% above avgNationally 2.77%
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
6 Month (182 Day) CD
$0
3.53%
▲ 0.41% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.41% above avgNationally 2.77%
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
15458 N 28th Ave, Phoenix, AZ 85053
6 Month Certificate
$0
3.51%
▲ 0.39% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.39% above avgNationally 2.77%
Details
Business Certificate; Dividend Rate 3.45%; Early withdrawal penalty: 60 days' dividends (term 6 months or less); Effective October 5, 2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
6 Month Term Share Certificates
$0
3.50%
▲ 0.38% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.38% above avgNationally 2.77%
Details
Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.50%▼ from 3.75%
- Sep 12, 20263.75%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
6-Month Certificate
$5,000
3.50%
▲ 0.38% above Arizona avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.38% above avgNationally 2.77%
Details
Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 6 months
$0
3.25%
▲ 0.13% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.13% above avgNationally 2.77%
Details
Rate History
1 change since Sep 12, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
- Oct 4, 20263.25%▼ from 3.50%
- Sep 12, 20263.50%first recorded
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
6 Month Term Share Certificates / IRA Certificates (Jumbo)
$75,000
3.00%
▼ 0.12% below Arizona avg
▼
Rate2.97%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 0.12% below avgNationally 2.77%
Details
Jumbo; Penalties may apply for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Jumbo) - 6 months
$75,000
3.00%
▼ 0.12% below Arizona avg
▼
Rate2.97%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 0.12% below avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
6 Month Certificate of Deposit
$1,000
2.75%
▼ 0.37% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▼ 0.37% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
6 Month Term Share Certificates / IRA Certificates (Regular)
$1,000
2.75%
▼ 0.37% below Arizona avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 0.37% below avgNationally 2.77%
Details
Penalties may apply for early withdrawal.
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Regular) - 6 months
$1,000
2.75%
▼ 0.37% below Arizona avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 0.37% below avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 4 times
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
6 Month Certificate
$500
1.72%
▼ 1.40% below Arizona avg
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▼ 1.40% below avgNationally 2.77%
Details
Early withdrawal subject to dividend penalty
Rate History
No change since Sep 14, 2026 · 1.72% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
180 Day Certificate
$0
1.50%
▼ 1.62% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▼ 1.62% below avgNationally 2.77%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
IRA CD - 6 Months
$0
1.50%
▼ 1.62% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▼ 1.62% below avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
6 Month Share Certificate
$0
1.50%
▼ 1.62% below Arizona avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▼ 1.62% below avgNationally 2.77%
Details
3rd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 1.50% APY
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
6 Month Share Certificate
$0
1.45%
▼ 1.67% below Arizona avg
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▼ 1.67% below avgNationally 2.77%
Details
2nd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 1.45% APY
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
6 Month Share Certificate
$0
1.40%
▼ 1.72% below Arizona avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▼ 1.72% below avgNationally 2.77%
Details
1st Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 1.40% APY
Phoenix 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
12 Month Share Certificate
$0
4.45%
▲ 1.07% above Arizona avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 1.07% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
- Oct 13, 20264.45%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
12 Month Special EasyStart Certificate
$50
4.35%
▲ 0.97% above Arizona avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.97% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10633 N Tatum Blvd, Phoenix, AZ 85028
12 Month Business CD
$500
4.30%
▲ 0.92% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.30% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10633 N Tatum Blvd, Phoenix, AZ 85028
12-Month CD
$500
4.30%
▲ 0.92% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details
Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
12 Month Certificate of Deposit (CD)
$0
4.30%
▲ 0.92% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 10, 20264.30%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month Business Certificate
$500
4.15%
▲ 0.77% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month Certificate
$500
4.15%
▲ 0.77% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month IRA Certificate
$500
4.15%
▲ 0.77% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month Youth Certificate
$500
4.15%
▲ 0.77% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
12 Month Certificate of Deposit
$0
4.12%
▲ 0.74% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.74% above avgNationally 2.99%
Details
Balance: $500.00 to $49,999.99
Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
- Oct 8, 20264.12%▲ from 4.02%
- Sep 25, 20264.02%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.72% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
12 Month Certificate
$500
4.08%
▲ 0.70% above Arizona avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.70% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.67% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.67% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
12 Month Certificate
$0
4.05%
▲ 0.67% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.67% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.62% above Arizona avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 12 Month
$500
4.00%
▲ 0.62% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 12 Month
$0
4.00%
▲ 0.62% above Arizona avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year IRA/HSA/CESA
$500
4.00%
▲ 0.62% above Arizona avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
Details
IRA certificate; Balance: $50,000+
Rate History
No change since Oct 1, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.62% above Arizona avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 Year Certificate
$1,000
3.91%
▲ 0.53% above Arizona avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.53% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 4 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 Year Certificate
$1,000
3.85%
▲ 0.47% above Arizona avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.47% above avgNationally 2.99%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.85% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate Accounts
$0
3.85%
▲ 0.47% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.47% above avgNationally 2.99%
Details
Min. Amount: $50,000
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 Year Certificate
$1,000
3.80%
▲ 0.42% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.42% above avgNationally 2.99%
Details
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate Accounts
$0
3.80%
▲ 0.42% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.42% above avgNationally 2.99%
Details
Min. Amount: $25,000
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
12 Month CD - Relationship
$0
3.76%
▲ 0.38% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.38% above avgNationally 2.99%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
12 Month Term Share Certificates
$0
3.75%
▲ 0.37% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.50%
- Oct 12, 20263.75%▲ from 3.50%
- Oct 4, 20263.50%▼ from 4.00%
- Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 Year Certificate
$1,000
3.75%
▲ 0.37% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate Accounts
$0
3.75%
▲ 0.37% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Min. Amount: $10,000
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
1 Year Share Certificate
$0
3.75%
▲ 0.37% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Balance: $10,000 or Greater
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate Accounts
$0
3.70%
▲ 0.32% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.32% above avgNationally 2.99%
Details
Min. Amount: $500
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
1 Year Share Certificate
$0
3.70%
▲ 0.32% above Arizona avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.32% above avgNationally 2.99%
Details
Balance: $500-$9,999
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
1 Year (12 Month) CD
$0
3.55%
▲ 0.17% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▲ 0.17% above avgNationally 2.99%
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
15458 N 28th Ave, Phoenix, AZ 85053
1 Year Certificate
$0
3.51%
▲ 0.13% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.13% above avgNationally 2.99%
Details
Business Certificate; Dividend Rate 3.45%; Early withdrawal penalty: 90 days' dividends (12 months); Effective October 5, 2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
1 Year (12 Month) CD
$0
3.50%
▲ 0.12% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
12 Month Term Share Certificates
$0
3.50%
▲ 0.12% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.50%▼ from 3.75%
- Sep 12, 20263.75%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 12 months
$0
3.50%
▲ 0.12% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.50%▼ from 3.75%
- Sep 12, 20263.75%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
12-Month Certificate
$5,000
3.50%
▲ 0.12% above Arizona avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
12 Month CD
$0
3.50%
▲ 0.12% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Consumer Certificate of Deposit; APY accurate as of 10/02/2026; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
Business 12 Month CD
$0
3.50%
▲ 0.12% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Consumer Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
12 Month Certificate of Deposit
$1,000
3.25%
▼ 0.13% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
12 Month IRA Certificate
$1,000
3.25%
▼ 0.13% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
Details
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 3 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD - 12 Month Liquid CD - no penalty
$0
3.25%
▼ 0.13% below Arizona avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
Details
Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 3 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
12 Month Term Share Certificates / IRA Certificates (Jumbo)
$75,000
3.25%
▼ 0.13% below Arizona avg
▼
Rate3.21%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
Details
Jumbo; Penalties may apply for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Jumbo) - 12 months
$75,000
3.25%
▼ 0.13% below Arizona avg
▼
Rate3.21%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
12 Month Certificate Accounts
$0
3.15%
▼ 0.23% below Arizona avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 0.23% below avgNationally 2.99%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
12 Month Certificate Accounts
$0
3.10%
▼ 0.28% below Arizona avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 0.28% below avgNationally 2.99%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
12 Month Certificate Accounts
$0
3.05%
▼ 0.33% below Arizona avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 0.33% below avgNationally 2.99%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
12 Month Term Share Certificates / IRA Certificates (Regular)
$1,000
3.00%
▼ 0.38% below Arizona avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 0.38% below avgNationally 2.99%
Details
Penalties may apply for early withdrawal.
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Regular) - 12 months
$1,000
3.00%
▼ 0.38% below Arizona avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 0.38% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 4 times
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
12 Month Share Certificate
$0
2.15%
▼ 1.23% below Arizona avg
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 1.23% below avgNationally 2.99%
Details
3rd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 2.15% APY
Phoenix 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
18 Month Share Certificate
$0
4.35%
▲ 1.08% above Arizona avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 13, 20264.35%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.08% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
18 Month Term Share Certificates
$0
4.25%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
- Oct 12, 20264.25%▲ from 4.00%
- Oct 4, 20264.00%▼ from 4.50%
- Sep 12, 20264.50%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10633 N Tatum Blvd, Phoenix, AZ 85028
18-Month CD
$500
4.25%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.88% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.88% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
18 Month Certificate
$0
4.15%
▲ 0.88% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.88% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.83% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.83% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Western State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
22601 N 19th Ave, Phoenix, AZ 85027
18-mo. CD
$0
4.00%
▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Earn more with a 11-mo. or 18-mo. CD at 4.00% APY.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 18 Month
$500
4.00%
▲ 0.73% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 18 Month
$0
4.00%
▲ 0.73% above Arizona avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
18 Month Term Share Certificates
$0
4.00%
▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.00%▼ from 4.25%
- Sep 12, 20264.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.43% above Arizona avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.43% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
18 Month IRA CD
$0
3.60%
▲ 0.33% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.33% above avgNationally 2.88%
Details
IRA Certificate of Deposit; APY accurate as of 10/02/2026; not eligible for Relationship Rate
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.58%
▲ 0.31% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.31% above avgNationally 2.88%
Details
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.53%
▲ 0.26% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.26% above avgNationally 2.88%
Details
Balance: $500 - $99,999; Payment Frequency: Semiannually
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Month Share Certificate
$0
3.50%
▲ 0.23% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.23% above avgNationally 2.88%
Details
Balance: $10,000 or Greater
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Month Share Certificate
$0
3.45%
▲ 0.18% above Arizona avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.18% above avgNationally 2.88%
Details
Balance: $500-$9,999
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
18-Month Certificate
$5,000
3.25%
▼ 0.02% below Arizona avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▼ 0.02% below avgNationally 2.88%
Details
Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
18 Month Certificate of Deposit
$1,000
2.75%
▼ 0.52% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
18 Month IRA Certificate
$1,000
2.75%
▼ 0.52% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
Details
Rate History
No change since Oct 2, 2026 · 2.75% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.52% below Arizona avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Jumbo CD
$95,000
1.65%
▼ 1.62% below Arizona avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.62% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Standard CD
$1,000
1.65%
▼ 1.62% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.62% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Super jumbo CD
$175,000
1.65%
▼ 1.62% below Arizona avg
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.62% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Jumbo CD
$95,000
1.64%
▼ 1.63% below Arizona avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.63% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Standard CD
$1,000
1.64%
▼ 1.63% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.63% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Super jumbo CD
$175,000
1.64%
▼ 1.63% below Arizona avg
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.63% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 6 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
18 Month Certificate
$0
1.50%
▼ 1.77% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.77% below avgNationally 2.88%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
IRA CD - 18 Months
$0
1.50%
▼ 1.77% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.77% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
11011 N Tatum Blvd, Phoenix, AZ 85028
18 Month Certificate
$1,000
1.00%
▼ 2.27% below Arizona avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▼ 2.27% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.52% below Arizona avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 2.52% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
18 Month Standard CD
$1,000
0.75%
▼ 2.52% below Arizona avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 2.52% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
18 Month Certificate of Deposit
$0
0.03%
▼ 3.24% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 3.24% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
18 Month Certificate of Deposit
$0
0.02%
▼ 3.25% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 3.25% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
18 Month CD
$500
0.02%
▼ 3.25% below Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 3.25% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
18 Month Certificate of Deposit
$0
0.01%
▼ 3.26% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 3.26% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18-Month Special Certificate
$500
4.50%
▲ 1.23% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
18-Month Certificate of Deposit
$500
4.40%
▲ 1.13% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 1.13% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
- Oct 2, 20264.40%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20%
▲ 0.93% above Arizona avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.93% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15%
▲ 0.88% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00%
▲ 0.73% above Arizona avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
- Oct 9, 20264.00%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00%
▲ 0.73% above Arizona avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95%
▲ 0.68% above Arizona avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95%
▲ 0.68% above Arizona avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90%
▲ 0.63% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.63% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
- Oct 9, 20263.90%▼ from 3.95%
- Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90%
▲ 0.63% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.63% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
18 Month Certificate
$0
3.87%
▲ 0.60% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.60% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
18 Month Certificate
$500
3.85%
▲ 0.58% above Arizona avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.58% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Oct 7, 20263.85%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate of Deposit
$500
3.75%
▲ 0.48% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
- Oct 2, 20263.75%▲ from 2.35%
- Sep 14, 20262.35%first recorded
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 18 Months
$500
3.65%
▲ 0.38% above Arizona avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Share Certificates ($500 Minimum)
Rate History
No change since Sep 16, 2026 · 3.65% APY · checked 5 times
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: 9.78%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
24 Month Certificate
$0
4.50%
▲ 1.36% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.36% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
24 Month Certificate of Deposit (CD)
$0
4.40%
▲ 1.26% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.26% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
24 Month Share Certificate
$0
4.30%
▲ 1.16% above Arizona avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
24 Month Term Share Certificates
$0
4.25%
▲ 1.11% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
- Oct 12, 20264.25%▲ from 4.00%
- Oct 4, 20264.00%▼ from 4.50%
- Sep 12, 20264.50%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10633 N Tatum Blvd, Phoenix, AZ 85028
24-Month CD
$500
4.25%
▲ 1.11% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details
Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
24 Month Certificate of Deposit
$0
4.12%
▲ 0.98% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.98% above avgNationally 2.88%
Details
Balance: $500.00 to $49,999.99
Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
- Oct 8, 20264.12%▲ from 4.02%
- Sep 25, 20264.02%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
24 Month Term Share Certificates
$0
4.00%
▲ 0.86% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.00%▼ from 4.25%
- Sep 12, 20264.25%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
24 Month CD - Relationship
$0
3.86%
▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.72% above avgNationally 2.88%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit
Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 5 times
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
24 Month Certificate
$1,000
3.82%
▲ 0.68% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 Year Certificate
$1,000
3.80%
▲ 0.66% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
24 Month Jump Up CD - Relationship
$0
3.76%
▲ 0.62% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.62% above avgNationally 2.88%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Jump Up CD
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 Year Certificate
$1,000
3.75%
▲ 0.61% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.88%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year IRA/HSA/CESA
$500
3.75%
▲ 0.61% above Arizona avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.88%
Details
IRA certificate; Balance: $50,000+
Rate History
No change since Oct 1, 2026 · 3.75% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.56% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.56% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 Year Certificate
$1,000
3.70%
▲ 0.56% above Arizona avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.56% above avgNationally 2.88%
Details
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.52% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.52% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 Year Certificate
$1,000
3.65%
▲ 0.51% above Arizona avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.51% above avgNationally 2.88%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 5, 20263.65%▼ from 3.75%
- Sep 29, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.46% above Arizona avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate Accounts
$0
3.60%
▲ 0.46% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details
Min. Amount: $50,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
15458 N 28th Ave, Phoenix, AZ 85053
2 Year Certificate
$0
3.60%
▲ 0.46% above Arizona avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details
Business Certificate; Dividend Rate 3.54%; Early withdrawal penalty: 180 days' dividends (24 to less than 36 months); Effective October 5, 2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
24 Month CD
$0
3.60%
▲ 0.46% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details
Consumer Certificate of Deposit; APY accurate as of 10/02/2026; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
Business 24 Month CD
$0
3.60%
▲ 0.46% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details
Consumer Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
2 Year (24 Month) CD
$0
3.55%
▲ 0.41% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate Accounts
$0
3.55%
▲ 0.41% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details
Min. Amount: $25,000
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
2 Year (24 Month) CD
$0
3.50%
▲ 0.36% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
24 Month Business Certificate
$500
3.50%
▲ 0.36% above Arizona avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
24 Month Certificate
$500
3.50%
▲ 0.36% above Arizona avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
24 Month IRA Certificate
$500
3.50%
▲ 0.36% above Arizona avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate Accounts
$0
3.50%
▲ 0.36% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Min. Amount: $10,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
24 Month Jump Up CD
$0
3.50%
▲ 0.36% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Jump Up CD; APY accurate as of 10/02/2026; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
Business 24 Month Jump Up CD
$0
3.50%
▲ 0.36% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Consumer Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
2 Year Share Certificate
$0
3.50%
▲ 0.36% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Balance: $10,000 or Greater
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate Accounts
$0
3.45%
▲ 0.31% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.31% above avgNationally 2.88%
Details
Min. Amount: $500
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
2 Year Share Certificate
$0
3.45%
▲ 0.31% above Arizona avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.31% above avgNationally 2.88%
Details
Balance: $500-$9,999
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 24 months
$0
3.25%
▲ 0.11% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.11% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
- Oct 4, 20263.25%▼ from 3.50%
- Sep 12, 20263.50%first recorded
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
24 Month Term Share Certificates / IRA Certificates (Jumbo)
$75,000
3.25%
▲ 0.11% above Arizona avg
▼
Rate3.21%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.11% above avgNationally 2.88%
Details
Jumbo; Penalties may apply for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Jumbo) - 24 months
$75,000
3.25%
▲ 0.11% above Arizona avg
▼
Rate3.21%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
24 Month Certificate Accounts
$0
3.13%
▼ 0.01% below Arizona avg
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.01% below avgNationally 2.88%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 5 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
24 Month Certificate Accounts
$0
3.07%
▼ 0.07% below Arizona avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.07% below avgNationally 2.88%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 5 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
24 Month Certificate Accounts
$0
3.05%
▼ 0.09% below Arizona avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.09% below avgNationally 2.88%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 24 Month
$500
3.00%
▼ 0.14% below Arizona avg
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▼ 0.14% below avgNationally 2.88%
Details
Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 24 Month
$0
3.00%
▼ 0.14% below Arizona avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▼ 0.14% below avgNationally 2.88%
Details
Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
24 Month Term Share Certificates / IRA Certificates (Regular)
$1,000
3.00%
▼ 0.14% below Arizona avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 0.14% below avgNationally 2.88%
Details
Penalties may apply for early withdrawal.
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Regular) - 24 months
$1,000
3.00%
▼ 0.14% below Arizona avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 0.14% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 4 times
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
24 Month Share Certificate
$0
2.90%
▼ 0.24% below Arizona avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.24% below avgNationally 2.88%
Details
3rd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 2.90% APY
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
2.85%
▼ 0.29% below Arizona avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.29% below avgNationally 2.88%
Details
Retirement Accounts; Dividends paid quarterly
Rate History
No change since Oct 8, 2026 · 2.85% APY · checked 2 times
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
24 Month Share Certificate
$0
2.85%
▼ 0.29% below Arizona avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.29% below avgNationally 2.88%
Details
2nd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 2.85% APY
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
24 Month Promotional Share Certificate
$2,000
2.85%
▼ 0.29% below Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▼ 0.29% below avgNationally 2.88%
Details
Limited Time Offer. Earn 2.85% APY when you move your money from an outside bank to a high-yield 24-month Share Certificate from OneAZ. Promotional APY is available for both consumer (excluding IRA's) and business accounts. Membership qualifications apply.
Rate History
No change since Oct 9, 2026 · 2.85% APY
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
24 Month Share Certificate
$0
2.80%
▼ 0.34% below Arizona avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.34% below avgNationally 2.88%
Details
1st Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 2.80% APY
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
24 Month Share Certificate
$0
2.79%
▼ 0.35% below Arizona avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.35% below avgNationally 2.88%
Details
Standard dividend rate; penalties for early withdrawal apply
Rate History
No change since Oct 12, 2026 · 2.79% APY
Phoenix 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
36 Month Share Certificate
$0
4.25%
▲ 1.27% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 1.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.17% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
36 Month Certificate of Deposit
$0
4.12%
▲ 1.14% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 1.14% above avgNationally 2.81%
Details
Balance: $500.00 to $49,999.99
Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
- Oct 8, 20264.12%▲ from 4.02%
- Sep 25, 20264.02%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.12% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.12% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
36 Month Term Share Certificates
$0
4.00%
▲ 1.02% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
- Oct 12, 20264.00%▲ from 3.75%
- Oct 4, 20263.75%▼ from 4.25%
- Sep 12, 20264.25%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
36 Month CD - Relationship
$0
3.96%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.98% above avgNationally 2.81%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 5 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
36 Month Jump Up CD - Relationship
$0
3.81%
▲ 0.83% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.83% above avgNationally 2.81%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Jump Up CD
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Year Certificate
$1,000
3.80%
▲ 0.82% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.82% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year IRA/HSA/CESA
$500
3.80%
▲ 0.82% above Arizona avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.82% above avgNationally 2.81%
Details
IRA certificate; Balance: $50,000+
Rate History
No change since Oct 1, 2026 · 3.80% APY · checked 2 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
36 Month Term Share Certificates
$0
3.75%
▲ 0.77% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.77% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
- Oct 4, 20263.75%▼ from 4.00%
- Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Year Certificate
$1,000
3.75%
▲ 0.77% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.77% above avgNationally 2.81%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
36 Month IRA CD
$0
3.75%
▲ 0.77% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.77% above avgNationally 2.81%
Details
IRA Certificate of Deposit; APY accurate as of 10/02/2026; not eligible for Relationship Rate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Year Certificate
$1,000
3.70%
▲ 0.72% above Arizona avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.72% above avgNationally 2.81%
Details
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
36 Month CD
$0
3.70%
▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.72% above avgNationally 2.81%
Details
Consumer Certificate of Deposit; APY accurate as of 10/02/2026; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
Business 36 Month CD
$0
3.70%
▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.72% above avgNationally 2.81%
Details
Consumer Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month Certificate of Deposit
$100,000
3.65%
▲ 0.67% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.67% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month IRA Certificate
$100,000
3.65%
▲ 0.67% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.67% above avgNationally 2.81%
Details
Rate History
1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 7, 20263.65%▲ from 3.50%
- Oct 2, 20263.50%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Year Certificate
$1,000
3.65%
▲ 0.67% above Arizona avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.67% above avgNationally 2.81%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 5, 20263.65%▼ from 3.75%
- Sep 29, 20263.75%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year Certificate Accounts
$0
3.65%
▲ 0.67% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.67% above avgNationally 2.81%
Details
Min. Amount: $50,000
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
15458 N 28th Ave, Phoenix, AZ 85053
3 Year Certificate
$0
3.65%
▲ 0.67% above Arizona avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.67% above avgNationally 2.81%
Details
Business Certificate; Dividend Rate 3.59%; Early withdrawal penalty: 365 days' dividends (36 months or more); Effective October 5, 2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year Certificate Accounts
$0
3.60%
▲ 0.62% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.62% above avgNationally 2.81%
Details
Min. Amount: $500
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.55%
▲ 0.57% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.57% above avgNationally 2.81%
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year Certificate Accounts
$0
3.55%
▲ 0.57% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.57% above avgNationally 2.81%
Details
Min. Amount: $10,000
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
36 Month Jump Up CD
$0
3.55%
▲ 0.57% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.57% above avgNationally 2.81%
Details
Jump Up CD; APY accurate as of 10/02/2026; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
Business 36 Month Jump Up CD
$0
3.55%
▲ 0.57% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.57% above avgNationally 2.81%
Details
Consumer Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month Certificate of Deposit
$1,000
3.50%
▲ 0.52% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month IRA Certificate
$1,000
3.50%
▲ 0.52% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Rate History
1 change since Oct 2, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 7, 20263.50%▲ from 3.25%
- Oct 2, 20263.25%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.50%
▲ 0.52% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
36 Month Term Share Certificates / IRA Certificates (Jumbo)
$75,000
3.50%
▲ 0.52% above Arizona avg
▼
Rate3.45%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Jumbo; Penalties may apply for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Jumbo) - 36 months
$75,000
3.50%
▲ 0.52% above Arizona avg
▼
Rate3.45%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
36 Month Certificate of Deposit (CD)
$0
3.50%
▲ 0.52% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month Certificate of Deposit
$100,000
3.40%
▲ 0.42% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.42% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month IRA Certificate
$100,000
3.40%
▲ 0.42% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.42% above avgNationally 2.81%
Details
Rate History
1 change since Oct 2, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40%
- Oct 7, 20263.40%▼ from 3.50%
- Oct 2, 20263.50%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month Certificate of Deposit
$1,000
3.25%
▲ 0.27% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month IRA Certificate
$1,000
3.25%
▲ 0.27% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 3 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month Business Certificate
$500
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month Certificate
$500
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month IRA Certificate
$500
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month Youth Certificate
$500
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
36 Month Term Share Certificates / IRA Certificates (Regular)
$1,000
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Penalties may apply for early withdrawal.
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Regular) - 36 months
$1,000
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 4 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
36 Month Certificate Accounts
$0
3.23%
▲ 0.25% above Arizona avg
▼
Rate3.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.25% above avgNationally 2.81%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.23% APY · checked 5 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
36 Month Certificate Accounts
$0
3.18%
▲ 0.20% above Arizona avg
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.20% above avgNationally 2.81%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.18% APY · checked 5 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
36 Month Certificate Accounts
$0
3.13%
▲ 0.15% above Arizona avg
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.15% above avgNationally 2.81%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 5 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 3 Year
$500
3.00%
▲ 0.02% above Arizona avg
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.02% above avgNationally 2.81%
Details
Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 3 Year
$0
3.00%
▲ 0.02% above Arizona avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.02% above avgNationally 2.81%
Details
Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
3 Year Share Certificate
$0
3.00%
▲ 0.02% above Arizona avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.02% above avgNationally 2.81%
Details
Balance: $10,000 or Greater
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
3 Year Share Certificate
$0
2.95%
▼ 0.03% below Arizona avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 0.03% below avgNationally 2.81%
Details
Balance: $500-$9,999
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
36-Month Share Certificate
$2,000
2.85%
▼ 0.13% below Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▼ 0.13% below avgNationally 2.81%
Details
This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty.
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 36 months
$0
2.75%
▼ 0.23% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▼ 0.23% below avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 4, 20262.75%▼ from 3.00%
- Sep 12, 20263.00%first recorded
Phoenix 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
48 Month Share Certificate
$0
4.25%
▲ 1.58% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.58% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 13, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
48 Month Term Share Certificates
$0
4.00%
▲ 1.33% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.33% above avgNationally 2.80%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
- Oct 12, 20264.00%▲ from 3.75%
- Oct 4, 20263.75%▼ from 4.25%
- Sep 12, 20264.25%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month IRA Certificate
$100,000
3.90%
▲ 1.23% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 1.23% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
- Oct 7, 20263.90%▲ from 3.75%
- Oct 2, 20263.75%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month IRA Certificate
$1,000
3.75%
▲ 1.08% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 7, 20263.75%▲ from 3.50%
- Oct 2, 20263.50%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
48 Month Term Share Certificates
$0
3.75%
▲ 1.08% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
- Oct 4, 20263.75%▼ from 4.00%
- Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
4 Year Certificate
$1,000
3.75%
▲ 1.08% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
15458 N 28th Ave, Phoenix, AZ 85053
4 Year Certificate
$0
3.75%
▲ 1.08% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Business Certificate; Dividend Rate 3.69%; Early withdrawal penalty: 365 days' dividends (36 months or more); Effective October 5, 2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
48 Month Term Share Certificates / IRA Certificates (Jumbo)
$75,000
3.75%
▲ 1.08% above Arizona avg
▼
Rate3.70%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Jumbo; Penalties may apply for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Jumbo) - 48 months
$75,000
3.75%
▲ 1.08% above Arizona avg
▼
Rate3.70%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Certificate of Deposit
$100,000
3.65%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.98% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month IRA Certificate
$100,000
3.65%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.98% above avgNationally 2.80%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 7, 20263.65%▼ from 3.75%
- Oct 2, 20263.75%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Certificate of Deposit
$1,000
3.50%
▲ 0.83% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month IRA Certificate
$1,000
3.50%
▲ 0.83% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 3 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
48 Month Term Share Certificates / IRA Certificates (Regular)
$1,000
3.50%
▲ 0.83% above Arizona avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details
Penalties may apply for early withdrawal.
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Regular) - 48 months
$1,000
3.50%
▲ 0.83% above Arizona avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Certificate of Deposit
$100,000
3.40%
▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.73% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Certificate of Deposit
$1,000
3.25%
▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.58% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 48 months
$0
2.75%
▲ 0.08% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details
Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 4, 20262.75%▼ from 3.00%
- Sep 12, 20263.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
48 Month Certificate of Deposit (CD)
$0
2.75%
▲ 0.08% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months (48-59 Months) - Loyalty Program Platinum Tier
$0
1.95%
▼ 0.72% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 0.72% below avgNationally 2.80%
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Rate History
No change since Oct 7, 2026 · 1.95% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months (48-59 Months) - Loyalty Program Gold Tier
$0
1.85%
▼ 0.82% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 0.82% below avgNationally 2.80%
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Rate History
No change since Oct 7, 2026 · 1.85% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months (48-59 Months) - Loyalty Program Silver Tier
$0
1.75%
▼ 0.92% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 0.92% below avgNationally 2.80%
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months (48-59 Months) - Loyalty Program Bronze Tier
$0
1.65%
▼ 1.02% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.02% below avgNationally 2.80%
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Rate History
No change since Oct 7, 2026 · 1.65% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
4 Year Certificate
$0
1.50%
▼ 1.17% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.17% below avgNationally 2.80%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
IRA CD - 4 Years
$0
1.50%
▼ 1.17% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.17% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Month Certificate (48-59 Months)
$0
1.45%
▼ 1.22% below Arizona avg
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.22% below avgNationally 2.80%
Details
Base Interest Rate (Consumer Rate Sheet): 1.45%
Rate History
No change since Oct 7, 2026 · 1.45% APY · checked 2 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Jumbo CD
$95,000
1.25%
▼ 1.42% below Arizona avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.42% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Standard CD
$1,000
1.25%
▼ 1.42% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.42% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Super jumbo CD
$175,000
1.25%
▼ 1.42% below Arizona avg
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.42% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Jumbo CD
$95,000
1.24%
▼ 1.43% below Arizona avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.43% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Standard CD
$1,000
1.24%
▼ 1.43% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.43% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Super jumbo CD
$175,000
1.24%
▼ 1.43% below Arizona avg
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.43% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 6 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
11011 N Tatum Blvd, Phoenix, AZ 85028
48 Month Certificate
$1,000
1.00%
▼ 1.67% below Arizona avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▼ 1.67% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.92% below Arizona avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
48 Month Standard CD
$1,000
0.75%
▼ 1.92% below Arizona avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.17% below Arizona avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.17% below avgNationally 2.80%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.17% below Arizona avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.17% below avgNationally 2.80%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.42% below Arizona avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.42% below avgNationally 2.80%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
4 Year CD
$500
0.15%
▼ 2.52% below Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.52% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
48 Month Certificate of Deposit
$0
0.03%
▼ 2.64% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.64% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
48 Month Certificate of Deposit
$0
0.02%
▼ 2.65% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.65% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Jumbo CD
$95,000
0.01%
▼ 2.66% below Arizona avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Standard CD
$1,000
0.01%
▼ 2.66% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Super jumbo CD
$175,000
0.01%
▼ 2.66% below Arizona avg
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
48 Month Certificate of Deposit
$0
0.01%
▼ 2.66% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
4 Year Business Certificate
$0
4.75%
▲ 2.08% above Arizona avg
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 2.08% above avgNationally 2.80%
Details
Rate History
1 change since Sep 27, 2026 · 4.10% → 4.75% ▲ 0.65 pts · high 4.75% / low 4.10%
- Oct 6, 20264.75%▲ from 4.10%
- Sep 27, 20264.10%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
4 Year Share Certificate
$0
4.65%
▲ 1.98% above Arizona avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.98% above avgNationally 2.80%
Details
Also applies to Traditional IRA Certificates and Roth IRA Certificates
Rate History
1 change since Sep 27, 2026 · 4.00% → 4.65% ▲ 0.65 pts · high 4.65% / low 4.00%
- Oct 6, 20264.65%▲ from 4.00%
- Sep 27, 20264.00%first recorded
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
48 Month Certificate
$0
4.02%
▲ 1.35% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.35% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 7 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97%
▲ 1.30% above Arizona avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Oct 13, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97%
▲ 1.30% above Arizona avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
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: 9.78%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
60 Month Certificate
$0
4.50%
▲ 1.46% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.46% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
60 Month Share Certificate
$0
4.25%
▲ 1.21% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.21% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 13, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Certificate of Deposit
$100,000
4.15%
▲ 1.11% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 1.11% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month IRA Certificate
$100,000
4.15%
▲ 1.11% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 1.11% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 7, 20264.15%▲ from 4.00%
- Oct 2, 20264.00%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
60 Month Certificate of Deposit
$0
4.12%
▲ 1.08% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 1.08% above avgNationally 2.91%
Details
Balance: $500.00 to $49,999.99
Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
- Oct 8, 20264.12%▲ from 4.02%
- Sep 25, 20264.02%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
60 Month CD - Relationship
$0
4.06%
▲ 1.02% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 1.02% above avgNationally 2.91%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Certificate of Deposit
$1,000
4.00%
▲ 0.96% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month IRA Certificate
$1,000
4.00%
▲ 0.96% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Oct 2, 20263.75%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
60 Month Term Share Certificates
$0
4.00%
▲ 0.96% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
- Oct 12, 20264.00%▲ from 3.75%
- Oct 4, 20263.75%▼ from 4.25%
- Sep 12, 20264.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.86% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Certificate of Deposit
$100,000
3.90%
▲ 0.86% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month IRA Certificate
$100,000
3.90%
▲ 0.86% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
Details
Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
- Oct 7, 20263.90%▼ from 4.00%
- Oct 2, 20264.00%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year IRA/HSA/CESA
$500
3.90%
▲ 0.86% above Arizona avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
Details
IRA certificate; Balance: $50,000+
Rate History
No change since Oct 1, 2026 · 3.90% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.81% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.81% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
15458 N 28th Ave, Phoenix, AZ 85053
5 Year Certificate
$0
3.85%
▲ 0.81% above Arizona avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.81% above avgNationally 2.91%
Details
Business Certificate; Dividend Rate 3.78%; Early withdrawal penalty: 365 days' dividends (36 months or more); Effective October 5, 2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
60 Month CD
$0
3.80%
▲ 0.76% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.76% above avgNationally 2.91%
Details
Consumer Certificate of Deposit; APY accurate as of 10/02/2026; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
Business 60 Month CD
$0
3.80%
▲ 0.76% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.76% above avgNationally 2.91%
Details
Consumer Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Certificate of Deposit
$1,000
3.75%
▲ 0.71% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month IRA Certificate
$1,000
3.75%
▲ 0.71% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
Details
Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 3 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
60 Month Term Share Certificates
$0
3.75%
▲ 0.71% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
- Oct 4, 20263.75%▼ from 4.00%
- Sep 12, 20264.00%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate Accounts
$0
3.75%
▲ 0.71% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
Details
Min. Amount: $50,000
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
5 Year Certificate
$1,000
3.70%
▲ 0.66% above Arizona avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.66% above avgNationally 2.91%
Details
Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate Accounts
$0
3.70%
▲ 0.66% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.66% above avgNationally 2.91%
Details
Min. Amount: $25,000
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate Accounts
$0
3.65%
▲ 0.61% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.61% above avgNationally 2.91%
Details
Min. Amount: $10,000
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate Accounts
$0
3.60%
▲ 0.56% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.56% above avgNationally 2.91%
Details
Min. Amount: $500
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.55%
▲ 0.51% above Arizona avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.51% above avgNationally 2.91%
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.50%
▲ 0.46% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.46% above avgNationally 2.91%
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60 Month Certificate Accounts
$0
3.30%
▲ 0.26% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.26% above avgNationally 2.91%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60 Month Certificate Accounts
$0
3.25%
▲ 0.21% above Arizona avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details
Balance: $1,000 - $4,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
60 Month Business Certificate
$500
3.25%
▲ 0.21% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
60 Month Certificate
$500
3.25%
▲ 0.21% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
60 Month IRA Certificate
$500
3.25%
▲ 0.21% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 5 Year
$500
3.00%
▼ 0.04% below Arizona avg
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 0.04% below avgNationally 2.91%
Details
Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 5 Year
$0
3.00%
▼ 0.04% below Arizona avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 0.04% below avgNationally 2.91%
Details
Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.00%
▼ 0.04% below Arizona avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.04% below avgNationally 2.91%
Details
Retirement Accounts; Dividends paid quarterly
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
60-Month Share Certificate
$2,000
2.85%
▼ 0.19% below Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▼ 0.19% below avgNationally 2.91%
Details
This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty.
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 60 months
$0
2.75%
▼ 0.29% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.29% below avgNationally 2.91%
Details
Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 4, 20262.75%▼ from 3.00%
- Sep 12, 20263.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
60 Month Certificate of Deposit (CD)
$0
2.75%
▼ 0.29% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 0.29% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
60 Month Share Certificate
$0
2.65%
▼ 0.39% below Arizona avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.39% below avgNationally 2.91%
Details
3rd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 2.65% APY
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
60 Month Share Certificate
$0
2.60%
▼ 0.44% below Arizona avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.44% below avgNationally 2.91%
Details
2nd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 2.60% APY
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
60 Month Share Certificate
$0
2.55%
▼ 0.49% below Arizona avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.49% below avgNationally 2.91%
Details
1st Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card
Rate History
No change since Oct 12, 2026 · 2.55% APY
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
60 Month Share Certificate
$0
2.53%
▼ 0.51% below Arizona avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.51% below avgNationally 2.91%
Details
Standard dividend rate; penalties for early withdrawal apply
Rate History
No change since Oct 12, 2026 · 2.53% APY
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates - 60 Months
$0
2.53%
▼ 0.51% below Arizona avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.51% below avgNationally 2.91%
Details
Effective Date: 03/30/2026; Minimum balance is $500; Annual IRA Service Fee $15.00; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 2.53% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Loyalty Program Platinum Tier
$0
2.00%
▼ 1.04% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.04% below avgNationally 2.91%
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Loyalty Program Gold Tier
$0
1.90%
▼ 1.14% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.14% below avgNationally 2.91%
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Rate History
No change since Oct 7, 2026 · 1.90% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Loyalty Program Silver Tier
$0
1.80%
▼ 1.24% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.24% below avgNationally 2.91%
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Rate History
No change since Oct 7, 2026 · 1.80% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Loyalty Program Bronze Tier
$0
1.70%
▼ 1.34% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.34% below avgNationally 2.91%
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Rate History
No change since Oct 7, 2026 · 1.70% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
5 Year Certificate
$0
1.50%
▼ 1.54% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.54% below avgNationally 2.91%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
IRA CD - 5 Years
$0
1.50%
▼ 1.54% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.54% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Month Certificate
$0
1.50%
▼ 1.54% below Arizona avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.54% below avgNationally 2.91%
Details
Base Interest Rate (Consumer Rate Sheet): 1.50%
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 6 times
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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.
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Phoenix, AZ CD Rate Trends
Compare local Phoenix, AZ CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD AZ Avg
3.378%
▲ 0.026 vs 7 days ago
Arizona 12-month CD rates rose 0.026 points over the past 7 days to 3.378% APY.
6-Month CD AZ Avg
3.121%
▲ 0.006 vs 7 days ago
Arizona 6-month CD rates rose 0.006 points over the past 7 days to 3.121% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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AZ CD Rate Forecast, Next 12 Months
Where are Arizona CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AZ 12-Month Avg APY
3.378%
6-Month Forecast
3.378%
Range: 3.18%, 3.53%
12-Month Forecast
3.628%
Range: 3.43%, 3.78%
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What Your Savings Earn at AZ CD Rates Today
Annual interest earnings at today’s Arizona average APYs. State average used where available; national average as fallback.
| CD Term | AZ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.343% | $117.14 | $234.28 | $585.70 | $1,171.40 |
| 6-Month CD | 3.121% | $156.07 | $312.14 | $780.35 | $1,560.70 |
| 12-Month CD | 3.378% | $168.92 | $337.83 | $844.58 | $1,689.15 |
| 18-Month CD | 3.265% | $163.26 | $326.51 | $816.28 | $1,632.55 |
| 24-Month CD | 3.140% | $157.01 | $314.02 | $785.05 | $1,570.10 |
| 36-Month CD | 2.977% | $148.86 | $297.71 | $744.28 | $1,488.55 |
| 48-Month CD | 2.669% | $133.43 | $266.85 | $667.13 | $1,334.25 |
| 60-Month CD | 3.041% | $152.07 | $304.14 | $760.35 | $1,520.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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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 | 2.343% | $117.14 |
| 2 | 6-Month CD | $5,000 | 3.121% | $156.07 |
| 3 | 12-Month CD | $5,000 | 3.378% | $168.92 |
| 4 | 24-Month CD | $5,000 | 3.140% | $157.01 |
| 5 | 36-Month CD | $5,000 | 2.977% | $148.86 |
| Total ($25,000 invested) | $25,000 | 2.992% blended | $748.00/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.
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883
CD Rates
Tracked in Phoenix, Arizona
Tracked in Phoenix, Arizona
26 Banks
39 Credit Unions
About Our Phoenix, Arizona CD Rate Database
MonitorBankRates tracks 883 CD rates from 26 banks and 39 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Mountain America Federal Credit Union offers a CD at 4.50% 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 39 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in 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: 65 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Phoenix, Arizona savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare 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
$147/yr
At AZ 12-mo avg 3.378% 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 3.378%, saving 10% of the local median salary ($4,348/year) and putting it in a CD would earn an additional $147 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Phoenix, Arizona
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Phoenix, Arizona typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Phoenix, Arizona as everywhere in the U.S.
Choosing a CD Term in Phoenix, Arizona
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Phoenix, Arizona savers easier access to their funds. For example, San Diego Firefighters Federal Credit Union is offering its 6 Month Share Certificate at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mountain America Federal Credit Union is offering its 60 Month Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Phoenix, Arizona Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Phoenix, Arizona saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Phoenix, Arizona
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Phoenix, Arizona CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Phoenix, Arizona
Most CDs carry a fixed rate that is locked for the entire term, protecting a Phoenix, Arizona depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in 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: 4.50% APY (24 Month Certificate)
- San Diego Firefighters Federal Credit Union: 4.45% APY (12 Month Share Certificate)
- Vio Bank: 4.40% APY (24 Month Certificate of Deposit (CD))
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Flagstar Bank, National Association: 4.30% APY (12 Month Business CD)
- Pima Federal Credit Union: 4.25% APY (18 Month Term Share Certificates)
- Farmers Insurance Federal Credit Union: 4.15% APY (60 Month Certificate of Deposit)
- Credit Union West Credit Union: 4.15% APY (12 Month Business Certificate)
- SunWest Federal Credit Union: 4.12% APY (12 Month Certificate of Deposit)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
Rates reflect recent verified offers available in Phoenix, Arizona. Last Updated: October 14, 2026
Phoenix, Arizona CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Phoenix, Arizona rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Phoenix, Arizona
Phoenix, Arizona CD Calculator
At today’s AZ top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Phoenix, Arizona CD LadderAZ CD rates currently range from 2.343% (3-month) to 2.977% (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 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsArizona’s average 12-month CD is 3.378% 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: October 14, 2026
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