MonitorBankRates
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iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Rio Rico, Arizona Best CD Rates October 2026

Rio Rico, Arizona CD rates range from 0.01% to 4.80% APY, verified by MonitorBankRates as of October 19, 2026. Current Rio Rico, Arizona CD rates include Wells FargoWells Fargo1060 Yavapai Dr, Rio Rico, AZ 85648A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD - Relationship at 1.51% APY, TUCSONTUCSONA+5.0 ★Texas Ratio: 5.69%Real return: +2.00%APY minus CPI (February 2026) offering 5 Year Business Certificate at 4.80% APY, Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, and America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.33%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate Account at 4.50% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.

Rio Rico has 6 local institutions in our database, with CD rates as high as 1.51% APY from Wells Fargo at 1060 Yavapai Dr, Rio Rico, AZ 85648. 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 19, 2026

Compare Best CD Rates in Rio Rico, Arizona & the Surrounding Area

Rio Rico 3 Month CD Rates

Arizona 3 Month CD Average2.49% APYNational 2.12%▲ 0.15% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1060 Yavapai Dr, Rio Rico, AZ 85648
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.43% below Arizona avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.43% below avgNationally 2.12%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 20, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1060 Yavapai Dr, Rio Rico, AZ 85648
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.44% below Arizona avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.44% below avgNationally 2.12%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 20, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.09% above Arizona avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average2.49%▲ 2.09% above avgNationally 2.12%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 20, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
3 Month Share Certificate
$0
4.06% ▲ 1.57% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.49%▲ 1.57% above avgNationally 2.12%
Details

Balance: $10,000 - up; New Certificates

Rate History
1 change since Sep 14, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
2.52%3.68%4.83%Sep 14, 2026: 3.29% APYOct 13, 2026: 4.06% APYSep 14, 2026Oct 20, 2026
  • Oct 13, 20264.06%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Platinum Tier
$0
4.06% ▲ 1.57% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.57% above avgNationally 2.12%
Details

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

Rate History
No change since Oct 14, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 14, 2026: 4.06% APYOct 14, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.51% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.51% above avgNationally 2.12%
Details

Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 20, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Gold Tier
$0
3.96% ▲ 1.47% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.47% above avgNationally 2.12%
Details

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

Rate History
No change since Oct 14, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 14, 2026: 3.96% APYOct 14, 2026Oct 20, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85% ▲ 1.36% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.36% above avgNationally 2.12%
Details

Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online

Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 24, 2026: 3.80% APYOct 14, 2026: 3.85% APYSep 24, 2026Oct 20, 2026
  • Oct 14, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$500
3.85% ▲ 1.36% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.36% above avgNationally 2.12%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYOct 14, 2026: 3.85% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.85%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Silver Tier
$0
3.85% ▲ 1.36% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.36% above avgNationally 2.12%
Details

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

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$500
3.80% ▲ 1.31% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.31% above avgNationally 2.12%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 14, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD - Loyalty Bronze Tier
$0
3.75% ▲ 1.26% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.26% above avgNationally 2.12%
Details

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

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
90 Day Certificates of Deposit
$500
3.75% ▲ 1.26% above Arizona avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.26% above avgNationally 2.12%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 20, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
90 Day IRA Certificates of Deposit
$0
3.75% ▲ 1.26% above Arizona avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.26% above avgNationally 2.12%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month CD
$0
3.55% ▲ 1.06% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.06% above avgNationally 2.12%
Details

Base Interest Rate and Base APY (Consumer Rate Sheet)

Rate History
1 change since Sep 15, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29%
2.79%3.42%4.05%Sep 15, 2026: 3.29% APYSep 27, 2026: 3.55% APYSep 15, 2026Oct 20, 2026
  • Sep 27, 20263.55%▲ from 3.29%
  • Sep 15, 20263.29%first recorded
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3 Month Share Certificate
$0
3.55% ▲ 1.06% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.49%▲ 1.06% above avgNationally 2.12%
Details

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 20, 2026
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
3 Month Share Certificate - Renewal
$0
3.55% ▲ 1.06% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.49%▲ 1.06% above avgNationally 2.12%
Details

Balance: $10,000 - up; Renewals

Rate History
No change since Oct 15, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 15, 2026: 3.55% APYOct 15, 2026Oct 20, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate of Deposit
$0
3.50% ▲ 1.01% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.01% above avgNationally 2.12%
Details

CD Term (Minimum Balance $500); Accurate as of 09/30/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 20, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50% ▲ 1.01% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 1.01% above avgNationally 2.12%
Details

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 20, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Month Share Certificate
$0
3.50% ▲ 1.01% above Arizona avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.49%▲ 1.01% above avgNationally 2.12%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.50% APYSep 14, 2026Oct 20, 2026
  • Oct 13, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.15% ▲ 0.66% above Arizona avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 0.66% above avgNationally 2.12%
Details

$25,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
2.46%3.05%3.65%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.15% APYSep 15, 2026Oct 20, 2026
  • Oct 14, 20263.15%▲ from 3.05%
  • 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
$50,000
3.10% ▲ 0.61% above Arizona avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 0.61% above avgNationally 2.12%
Details

$50,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
2.46%3.03%3.60%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.10% APYSep 15, 2026Oct 20, 2026
  • Oct 14, 20263.10%▲ from 3.05%
  • 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
$25,000
3.05% ▲ 0.56% above Arizona avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 0.56% above avgNationally 2.12%
Details

$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 20, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.01% ▲ 0.52% above Arizona avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 0.52% above avgNationally 2.12%
Details

Dividend Rate; $25,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
2.46%2.98%3.51%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 3.01% APYSep 15, 2026Oct 20, 2026
  • Oct 14, 20263.01%▲ from 3.00%
  • Sep 18, 20263.00%▲ 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
$1,000
3.00% ▲ 0.51% above Arizona avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 0.51% above avgNationally 2.12%
Details

Share Certificate Rates; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 20, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Certificate of Deposit - 3 Month
$1,000
3.00% ▲ 0.51% above Arizona avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.49%▲ 0.51% above avgNationally 2.12%
Details

Minimum daily balance of $1,000 required to obtain disclosed APY; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 20, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate - 3-Month Certificate
$1,000
2.96% ▲ 0.47% above Arizona avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▲ 0.47% above avgNationally 2.12%
Details

Effective Date: 02/04/2026

Rate History
2 changes since Sep 15, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 2.96% APYSep 15, 2026Oct 20, 2026
  • Oct 14, 20262.96%▼ from 3.00%
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Certificate of Deposit
$0
2.00% ▼ 0.49% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 0.49% below avgNationally 2.12%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 20, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.94% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 0.94% below avgNationally 2.12%
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
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 20, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.99% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 0.99% below avgNationally 2.12%
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
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.60% ▼ 1.89% below Arizona avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.49%▼ 1.89% below avgNationally 2.12%
Details

Balance: $100,000+; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 0.60% APY · checked 5 times
0.10%0.60%1.10%Sep 29, 2026: 0.60% APYSep 29, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.55% ▼ 1.94% below Arizona avg
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.49%▼ 1.94% below avgNationally 2.12%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 0.55% APY · checked 5 times
0.05%0.55%1.05%Sep 29, 2026: 0.55% APYSep 29, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.50% ▼ 1.99% below Arizona avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.49%▼ 1.99% below avgNationally 2.12%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 29, 2026: 0.50% APYSep 29, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.45% ▼ 2.04% below Arizona avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.49%▼ 2.04% below avgNationally 2.12%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 0.45% APY · checked 5 times
0.00%0.48%0.95%Sep 29, 2026: 0.45% APYSep 29, 2026Oct 20, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.10% ▼ 2.39% below Arizona avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.39% below avgNationally 2.12%
Details

Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 20, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.39% below Arizona avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.39% below avgNationally 2.12%
Details

Balance: $90,000 and over; Renewal Term: 3 Months

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 20, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
90 Day Standard CD Products
$1,000
0.06% ▼ 2.43% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.43% below avgNationally 2.12%
Details

Balance: $100,000 or more; $1,000 opening deposit required

Rate History
No change since Sep 18, 2026 · 0.06% APY · checked 5 times
0.00%0.28%0.56%Sep 18, 2026: 0.06% APYSep 18, 2026Oct 20, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.05% ▼ 2.44% below Arizona avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.44% below avgNationally 2.12%
Details

Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 20, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.44% below Arizona avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.44% below avgNationally 2.12%
Details

Balance: $1,000 - $89,999; Renewal Term: 3 Months

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 20, 2026
  • 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%
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.44% below Arizona avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.49%▼ 2.44% below avgNationally 2.12%
Details

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 20, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$1,000
0.05% ▼ 2.44% below Arizona avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.49%▼ 2.44% below avgNationally 2.12%
Details

Balance: up to $100,000; Rates for ZIP code 60603

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03% ▼ 2.46% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.46% below avgNationally 2.12%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02% ▼ 2.47% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.47% below avgNationally 2.12%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 20, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01% ▼ 2.48% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.49%▼ 2.48% below avgNationally 2.12%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 20, 2026

Rio Rico 6 Month CD Rates

Arizona 6 Month CD Average3.17% APYNational 2.79%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1060 Yavapai Dr, Rio Rico, AZ 85648
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 3.11% below Arizona avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.17%▼ 3.11% below avgNationally 2.79%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 20, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1060 Yavapai Dr, Rio Rico, AZ 85648
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 3.12% below Arizona avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.17%▼ 3.12% below avgNationally 2.79%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 20, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.13% above Arizona avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average3.17%▲ 1.13% above avgNationally 2.79%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 20, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
6 Month GOLDWATER LIQUID CD
$0
4.25% ▲ 1.08% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.17%▲ 1.08% above avgNationally 2.79%
Details

6 Month Liquid CD - no penalty; Minimum balance to obtain APY: $0.01

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 20, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Share Certificate
$0
4.15% ▲ 0.98% above Arizona avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.17%▲ 0.98% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 20, 2026
  • Oct 13, 20264.15%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
6 Month Share Certificate
$0
4.14% ▲ 0.97% above Arizona avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.17%▲ 0.97% above avgNationally 2.79%
Details

Balance: $2,500 - $9,999.99; New Certificates

Rate History
1 change since Sep 29, 2026 · 3.53% → 4.14% ▲ 0.61 pts · high 4.14% / low 3.53%
2.92%3.84%4.75%Sep 29, 2026: 3.53% APYOct 13, 2026: 4.14% APYSep 29, 2026Oct 20, 2026
  • Oct 13, 20264.14%▲ from 3.53%
  • Sep 29, 20263.53%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10% ▲ 0.93% above Arizona avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.93% above avgNationally 2.79%
Details

APY accurate as of 10/19/2026; Maximum deposit is $10 million; Not available for public units; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 20, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-month CD
$2,500
4.10% ▲ 0.93% above Arizona avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.93% above avgNationally 2.79%
Details

Short-Term Growth; Maximum deposit $10 million; not available for public units or Business CDs

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 20, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6 Month Jumbo Certificate
$100,000
4.05% ▲ 0.88% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.88% above avgNationally 2.79%
Details

APY as high as 4.05%; Rate type: Fixed; Terms available from six months to five years; Contact us to open

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 18, 2026: 3.55% APYOct 10, 2026: 4.05% APYSep 18, 2026Oct 20, 2026
  • Oct 10, 20264.05%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00% ▲ 0.83% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 20, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month Business Certificate
$500
4.00% ▲ 0.83% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Certificate - 6 Months
$500
4.00% ▲ 0.83% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 20, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate - 6 Months
$500
4.00% ▲ 0.83% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 20, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
180 Day Business Certificate
$500
4.00% ▲ 0.83% above Arizona avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.83% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 20, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6 Month CD - Relationship Rate
$0
3.96% ▲ 0.79% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.79% above avgNationally 2.79%
Details

Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 20, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95% ▲ 0.78% above Arizona avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.78% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 20, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Certificate - 6 Months
$0
3.85% ▲ 0.68% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.68% above avgNationally 2.79%
Details

Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.85% ▲ 0.03 pts · high 3.85% / low 3.82%
3.32%3.84%4.35%Sep 14, 2026: 3.82% APYOct 19, 2026: 3.85% APYSep 14, 2026Oct 20, 2026
  • Oct 19, 20263.85%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 6 months
$0
3.85% ▲ 0.68% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.68% above avgNationally 2.79%
Details

Balance: $50,000 tier

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 20, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
180 Day Share Certificate
$500
3.85% ▲ 0.68% above Arizona avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.68% above avgNationally 2.79%
Details

Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
No change since Oct 19, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 20, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 6 Month
$0
3.85% ▲ 0.68% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.68% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$500
3.84% ▲ 0.67% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.17%▲ 0.67% above avgNationally 2.79%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
3.08%3.71%4.34%Sep 14, 2026: 3.58% APYOct 14, 2026: 3.84% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.84%▲ from 3.58%
  • Sep 14, 20263.58%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
6 Month Share Certificate - Renewal
$0
3.84% ▲ 0.67% above Arizona avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.17%▲ 0.67% above avgNationally 2.79%
Details

Balance: $2,500 - $9,999.99; Renewals

Rate History
No change since Oct 15, 2026 · 3.84% APY
3.34%3.84%4.34%Oct 15, 2026: 3.84% APYOct 15, 2026Oct 20, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Certificate of Deposit
$0
3.82% ▲ 0.65% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.17%▲ 0.65% above avgNationally 2.79%
Details

Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply

Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 20, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Certificate
$1,000
3.82% ▲ 0.65% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.65% above avgNationally 2.79%
Details

Effective Date: Monday, October 19th, 2026

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 10 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 20, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Accounts - 6 Months
$0
3.80% ▲ 0.63% above Arizona avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.17%▲ 0.63% above avgNationally 2.79%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly; Liquid Certificate available for 6-month term

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.80% ▲ 0.63% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.63% above avgNationally 2.79%
Details

Balance: $100,000+; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 6 months
$0
3.80% ▲ 0.63% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.63% above avgNationally 2.79%
Details

Balance: $25,000 tier

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$500
3.79% ▲ 0.62% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.17%▲ 0.62% above avgNationally 2.79%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
3.03%3.66%4.29%Sep 14, 2026: 3.53% APYOct 14, 2026: 3.79% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.79%▲ from 3.53%
  • Sep 14, 20263.53%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
6 Month CD
$0
3.78% ▲ 0.61% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.17%▲ 0.61% above avgNationally 2.79%
Details

Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 8 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 20, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
180 Day Certificates of Deposit
$500
3.75% ▲ 0.58% above Arizona avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 20, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
180 Day IRA Certificates of Deposit
$0
3.75% ▲ 0.58% above Arizona avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Accounts - 6 Months
$0
3.75% ▲ 0.58% above Arizona avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly; Liquid Certificate available for 6-month term

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.75% ▲ 0.58% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.75% ▲ 0.58% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Minimum balance tier: $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Traditional/Roth IRA Certificate
$100,000
3.75% ▲ 0.58% above Arizona avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
  • Sep 18, 20263.75%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6-Month Certificate
$500
3.75% ▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Rates as of September 23, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 6 months
$0
3.75% ▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Balance: $10,000 tier

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 Month Share Certificate
$0
3.75% ▲ 0.58% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Balance: $10,000 or Greater

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75% ▲ 0.58% above Arizona avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 20, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75% ▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.58% above avgNationally 2.79%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 20, 2026
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
Term Certificate - 6 Month
$0
3.72% ▲ 0.55% above Arizona avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.17%▲ 0.55% above avgNationally 2.79%
Details

Balance: over $50,000

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.72% ▲ 0.21 pts · high 3.72% / low 3.51%
3.01%3.62%4.22%Sep 14, 2026: 3.51% APYSep 21, 2026: 3.72% APYSep 14, 2026Oct 20, 2026
  • Sep 21, 20263.72%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Accounts - 6 Months
$0
3.70% ▲ 0.53% above Arizona avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly; Liquid Certificate available for 6-month term

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.70% ▲ 0.53% above Arizona avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.70% ▲ 0.53% above Arizona avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Minimum balance tier: $50,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 10 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Traditional/Roth IRA Certificate
$50,000
3.70% ▲ 0.53% above Arizona avg
▼
Rate3.64%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Traditional/Roth IRA Certificates.

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 10 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 6 months
$0
3.70% ▲ 0.53% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Balance: $500 tier

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6 Month CD
$0
3.70% ▲ 0.53% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6-Month Jumbo Certificate
$0
3.70% ▲ 0.53% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Jumbo Savings Certificate; today's featured rate; 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%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
  • 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%
6 Month Share Certificate
$0
3.70% ▲ 0.53% above Arizona avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.17%▲ 0.53% above avgNationally 2.79%
Details

Balance: $500-$9,999

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.49% above Arizona avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.17%▲ 0.49% above avgNationally 2.79%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 20, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded

Rio Rico 12 Month CD Rates

Arizona 12 Month CD Average3.36% APYNational 3.00%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1060 Yavapai Dr, Rio Rico, AZ 85648
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.85% below Arizona avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▼ 1.85% below avgNationally 3.00%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Oct 20, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1060 Yavapai Dr, Rio Rico, AZ 85648
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.86% below Arizona avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▼ 1.86% below avgNationally 3.00%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Oct 20, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
12-Month LifeStage Certificate
$500
4.50% ▲ 1.14% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 1.14% above avgNationally 3.00%
Details

Ages: 0-23; Available to qualifying members ages 0-23. Earns an additional 0.25% APY over the regular 12-Month Certificate rate, up to a maximum balance of $2,000.; Rates as of September 23, 2026

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 20, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month Share Certificate
$0
4.45% ▲ 1.09% above Arizona avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 1.09% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 20, 2026
  • 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%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.99% above Arizona avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.99% above avgNationally 3.00%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 20, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30% ▲ 0.94% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.94% above avgNationally 3.00%
Details

APY accurate as of 10/19/2026; Maximum deposit is $10 million; Not available for public units; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 20, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-month CD
$500
4.30% ▲ 0.94% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.94% above avgNationally 3.00%
Details

Top Rate; Maximum deposit $10 million; not available for public units or Business CDs

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 20, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1 Year Business Certificate
$500
4.30% ▲ 0.94% above Arizona avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.94% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 20, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 12 Month
$0
4.30% ▲ 0.94% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.94% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 20, 2026
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
12 Month Share Certificate
$0
4.25% ▲ 0.89% above Arizona avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 0.89% above avgNationally 3.00%
Details

Balance: $2,500 - $9,999.99; New Certificates

Rate History
1 change since Sep 29, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 29, 2026: 3.75% APYOct 13, 2026: 4.25% APYSep 29, 2026Oct 20, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Sep 29, 20263.75%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
12-Month Certificate
$500
4.25% ▲ 0.89% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.89% above avgNationally 3.00%
Details

Rates as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 20, 2026
  • Sep 29, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1 Year Share Certificate
$500
4.25% ▲ 0.89% above Arizona avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.89% above avgNationally 3.00%
Details

Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 20, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 12-Month
$500
4.20% ▲ 0.84% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.84% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 14, 2026Oct 20, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
12 Month Certificates of Deposit
$500
4.15% ▲ 0.79% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.79% above avgNationally 3.00%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 24, 2026: 4.00% APYOct 14, 2026: 4.15% APYSep 24, 2026Oct 20, 2026
  • Oct 14, 20264.15%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
12 Month IRA Certificates of Deposit
$0
4.15% ▲ 0.79% above Arizona avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.79% above avgNationally 3.00%
Details

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 20, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15% ▲ 0.79% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.79% above avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 20, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Business Certificate
$500
4.15% ▲ 0.79% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.79% above avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 20, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Certificate - 12 Months
$500
4.15% ▲ 0.79% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.79% above avgNationally 3.00%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 20, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate - 12 Months
$500
4.15% ▲ 0.79% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.79% above avgNationally 3.00%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 20, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Youth Certificate - 12 Months
$500
4.15% ▲ 0.79% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.79% above avgNationally 3.00%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 20, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month Certificate of Deposit
$0
4.12% ▲ 0.76% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 0.76% above avgNationally 3.00%
Details

Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply

Rate History
No change since Oct 12, 2026 · 4.12% APY · checked 2 times
3.62%4.12%4.62%Oct 12, 2026: 4.12% APYOct 12, 2026Oct 20, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 0.74% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.74% above avgNationally 3.00%
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
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 20, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Certificate
$500
4.08% ▲ 0.72% above Arizona avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.72% above avgNationally 3.00%
Details

Effective Date: Monday, October 19th, 2026

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 10 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 20, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.07% ▲ 0.71% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 0.71% above avgNationally 3.00%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
3.45%4.01%4.57%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.07%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.07% ▲ 0.71% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 0.71% above avgNationally 3.00%
Details

IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
3.45%4.01%4.57%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.07%▲ from 4.02%
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1 Year GOAL Share Certificate
$25
4.07% ▲ 0.71% above Arizona avg
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.71% above avgNationally 3.00%
Details

Balance: $25-$1,000; A minimum of $25 is required to establish this share certificate

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 9 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 20, 2026
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
12 Month Share Certificate - IRA (Pd Qtrly)
$0
4.06% ▲ 0.70% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 0.70% above avgNationally 3.00%
Details

New Certificates; IRA, dividends paid quarterly

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 14, 2026: 3.96% APYOct 15, 2026: 4.06% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.06%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 0.69% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.69% above avgNationally 3.00%
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
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 20, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05% ▲ 0.69% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.69% above avgNationally 3.00%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 20, 2026
  • Oct 5, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate 12-Month
$2,000
4.05% ▲ 0.69% above Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.69% above avgNationally 3.00%
Details

IRA Certificate; Rates as of September 23, 2026

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 20, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.64% above Arizona avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.64% above avgNationally 3.00%
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
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 20, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month CD
$1,000
4.00% ▲ 0.64% above Arizona avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average3.36%▲ 0.64% above avgNationally 3.00%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
12 Month Share Certificate - Renewal
$0
4.00% ▲ 0.64% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 0.64% above avgNationally 3.00%
Details

Balance: $2,500 - $9,999.99; Renewals

Rate History
No change since Oct 15, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1 Year IRA/HSA/CESA
$500
4.00% ▲ 0.64% above Arizona avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.64% above avgNationally 3.00%
Details

Balance: $50,000+; Dividends compounded and credited monthly

Rate History
No change since Oct 1, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 1, 2026: 4.00% APYOct 1, 2026Oct 20, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00% ▲ 0.64% above Arizona avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.64% above avgNationally 3.00%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 20, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00% ▲ 0.64% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.64% above avgNationally 3.00%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 20, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 12 Month
$0
3.91% ▲ 0.55% above Arizona avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 0.55% above avgNationally 3.00%
Details

Rate History
1 change since Oct 13, 2026 · 3.86% → 3.91% ▲ 0.05 pts · high 3.91% / low 3.86%
3.36%3.89%4.41%Oct 13, 2026: 3.86% APYOct 15, 2026: 3.91% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.91%▲ from 3.86%
  • Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - YOUth Boost 12-Month
$0
3.91% ▲ 0.55% above Arizona avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 0.55% above avgNationally 3.00%
Details

Rate History
1 change since Oct 13, 2026 · 3.86% → 3.91% ▲ 0.05 pts · high 3.91% / low 3.86%
3.36%3.89%4.41%Oct 13, 2026: 3.86% APYOct 15, 2026: 3.91% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.91%▲ from 3.86%
  • Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 12 Month
$0
3.91% ▲ 0.55% above Arizona avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.36%▲ 0.55% above avgNationally 3.00%
Details

Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 5, 2026 · 3.86% → 3.91% ▲ 0.05 pts · high 3.91% / low 3.86%
3.36%3.89%4.41%Oct 5, 2026: 3.86% APYOct 15, 2026: 3.91% APYOct 5, 2026Oct 20, 2026
  • Oct 15, 20263.91%▲ from 3.86%
  • Oct 5, 20263.86%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.91% ▲ 0.55% above Arizona avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.55% above avgNationally 3.00%
Details

Balance: $100,000+; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 5 times
3.41%3.91%4.41%Sep 29, 2026: 3.91% APYSep 29, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.55% above Arizona avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.55% above avgNationally 3.00%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 10 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 1 Year
$0
3.91% ▲ 0.55% above Arizona avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.55% above avgNationally 3.00%
Details

($100,000.00 and over) tier; Dividend Rate 3.84%

Rate History
No change since Oct 9, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Oct 9, 2026: 3.91% APYOct 9, 2026Oct 20, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Certificate - 12 Months
$0
3.90% ▲ 0.54% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.54% above avgNationally 3.00%
Details

Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.90% ▲ 0.03 pts · high 3.90% / low 3.87%
3.37%3.89%4.40%Sep 14, 2026: 3.87% APYOct 19, 2026: 3.90% APYSep 14, 2026Oct 20, 2026
  • Oct 19, 20263.90%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
12 Month Certificate of Deposit
$0
3.85% ▲ 0.49% above Arizona avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.49% above avgNationally 3.00%
Details

Minimum Balance $500

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 14, 2026: 3.30% APYOct 2, 2026: 3.85% APYSep 14, 2026Oct 20, 2026
  • Oct 2, 20263.85%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 12 months
$0
3.85% ▲ 0.49% above Arizona avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.49% above avgNationally 3.00%
Details

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.85% ▲ 0.49% above Arizona avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.49% above avgNationally 3.00%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 29, 2026: 3.85% APYSep 29, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 1 year
$0
3.85% ▲ 0.49% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.49% above avgNationally 3.00%
Details

Balance: $50,000 tier

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1 Year (12 Month) CD
$500
3.80% ▲ 0.44% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.36%▲ 0.44% above avgNationally 3.00%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 14, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.80% ▲ 0.44% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.44% above avgNationally 3.00%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 Year Business Share Certificates
$0
3.80% ▲ 0.44% above Arizona avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.36%▲ 0.44% above avgNationally 3.00%
Details

Minimum balance tier: $1,000

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 20, 2026

Rio Rico 18 Month CD Rates

Arizona 18 Month CD Average3.28% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18-Month Special Certificate
$500
4.50% ▲ 1.22% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 1.22% above avgNationally 2.88%
Details

Special certificate; Rates as of September 23, 2026

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 20, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 18-Month
$500
4.40% ▲ 1.12% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 1.12% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 14, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 14, 2026Oct 20, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
18 Month Certificates of Deposit
$500
4.35% ▲ 1.07% above Arizona avg
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 24, 2026: 4.00% APYOct 14, 2026: 4.35% APYSep 24, 2026Oct 20, 2026
  • Oct 14, 20264.35%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
18 Month IRA Certificates of Deposit
$0
4.35% ▲ 1.07% above Arizona avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 20, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month Share Certificate
$0
4.35% ▲ 1.07% above Arizona avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.28%▲ 1.07% 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%
3.75%4.30%4.85%Sep 14, 2026: 4.25% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 20, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 18 Month
$0
4.35% ▲ 1.07% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 20, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-month CD
$500
4.25% ▲ 0.97% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.97% above avgNationally 2.88%
Details

Balanced Growth; Maximum deposit $10 million; not available for public units or Business CDs

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 20, 2026
Western State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
18 Month CD
$0
4.20% ▲ 0.92% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.92% above avgNationally 2.88%
Details

Homepage featured rate: 18-mo. CD at 4.20% APY

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.20% APYSep 18, 2026Oct 20, 2026
  • Oct 14, 20264.20%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20% ▲ 0.92% above Arizona avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 20, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 0.87% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.87% 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
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 20, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15% ▲ 0.87% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.87% 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%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 20, 2026
  • 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%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 0.82% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.82% 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
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 20, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month Term Share Certificates
$0
4.00% ▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.28%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Traditional/Roth IRA Certificate
$100,000
4.00% ▲ 0.72% above Arizona avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.72% 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%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Sep 18, 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%
18 Month Traditional/Roth IRA Certificates
$1,000
3.90% ▲ 0.62% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.62% above avgNationally 2.88%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 21, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 21, 2026: 3.95% APYOct 19, 2026: 3.90% APYSep 21, 2026Oct 20, 2026
  • Oct 19, 20263.90%▼ from 3.95%
  • Sep 21, 20263.95%first recorded
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Certificate - 18 Months
$0
3.90% ▲ 0.62% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.62% above avgNationally 2.88%
Details

Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.90% ▲ 0.03 pts · high 3.90% / low 3.87%
3.37%3.89%4.40%Sep 14, 2026: 3.87% APYOct 19, 2026: 3.90% APYSep 14, 2026Oct 20, 2026
  • Oct 19, 20263.90%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85% ▲ 0.57% above Arizona avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.84% ▲ 0.56% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.56% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
3.08%3.71%4.34%Sep 14, 2026: 3.58% APYOct 14, 2026: 3.84% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.84%▲ from 3.58%
  • Sep 14, 20263.58%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.79% ▲ 0.51% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.51% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
3.03%3.66%4.29%Sep 14, 2026: 3.53% APYOct 14, 2026: 3.79% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.79%▲ from 3.53%
  • Sep 14, 20263.53%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 18-Month
$500
3.75% ▲ 0.47% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.47% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18 Month Share Certificates
$500
3.75% ▲ 0.47% above Arizona avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.28%▲ 0.47% above avgNationally 2.88%
Details

$500 Minimum

Rate History
1 change since Sep 16, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 16, 2026: 3.65% APYOct 15, 2026: 3.75% APYSep 16, 2026Oct 20, 2026
  • Oct 15, 20263.75%▲ from 3.65%
  • Sep 16, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.42% above Arizona avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.42% 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
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 20, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
18 Month Promotional Term Share Certificates
$1,000
3.60% ▲ 0.32% above Arizona avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.32% above avgNationally 2.88%
Details

$1,000 minimum - $150,000 maximum; Dividend Rate 3.54%

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 20, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
18 Month IRA CD
$0
3.60% ▲ 0.32% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.32% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 20, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate 18-Month
$2,000
3.55% ▲ 0.27% above Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.27% above avgNationally 2.88%
Details

IRA Certificate; Rates as of September 23, 2026

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18-Month Certificate
$500
3.50% ▲ 0.22% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.22% above avgNationally 2.88%
Details

Rates as of September 23, 2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 20, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Month Share Certificate
$0
3.50% ▲ 0.22% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.22% above avgNationally 2.88%
Details

Balance: $10,000 or Greater

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 20, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Month Share Certificate
$0
3.45% ▲ 0.17% above Arizona avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▲ 0.17% above avgNationally 2.88%
Details

Balance: $500-$9,999

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 9 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month Business Certificates of Deposit
$5,000
3.35% ▲ 0.07% above Arizona avg
▼
Rate3.30%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.07% above avgNationally 2.88%
Details

Penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month IRA Certificate
$5,000
3.35% ▲ 0.07% above Arizona avg
▼
Rate3.30%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.07% above avgNationally 2.88%
Details

$5,000 minimum opening balance

Rate History
No change since Oct 14, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificates of Deposits (Personal and Business) - 18 month
$5,000
3.35% ▲ 0.07% above Arizona avg
▼
Rate3.30%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▲ 0.07% above avgNationally 2.88%
Details

$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 20, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month TSC or IRA TSC
$10,000
3.20% ▼ 0.08% below Arizona avg
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▼ 0.08% below avgNationally 2.88%
Details

Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 20, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificate (Non-Relationship Pricing) - 18 Month TSC or IRA TSC
$0
3.20% ▼ 0.08% below Arizona avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▼ 0.08% below avgNationally 2.88%
Details

Non-Relationship Pricing; Balance: $10,000 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026

Rate History
No change since Oct 19, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 19, 2026: 3.20% APYOct 19, 2026Oct 20, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month TSC or IRA TSC
$500
3.15% ▼ 0.13% below Arizona avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▼ 0.13% below avgNationally 2.88%
Details

Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 20, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificate (Non-Relationship Pricing) - 18 Month TSC or IRA TSC
$0
3.10% ▼ 0.18% below Arizona avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▼ 0.18% below avgNationally 2.88%
Details

Non-Relationship Pricing; Balance: $500 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026

Rate History
No change since Oct 19, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 20, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Certificate of Deposit - 18 Month
$1,000
3.00% ▼ 0.28% below Arizona avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.28%▼ 0.28% below avgNationally 2.88%
Details

Minimum daily balance of $1,000 required to obtain disclosed APY; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 20, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
18 Month Share Certificate
$0
2.79% ▼ 0.49% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.28%▼ 0.49% below avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 15, 2026: 2.79% APYOct 15, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
18 Month Certificate of Deposit
$0
2.75% ▼ 0.53% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 0.53% below avgNationally 2.88%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
18 Month IRA Certificate
$0
2.75% ▼ 0.53% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 0.53% below avgNationally 2.88%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 2.75%

Rate History
No change since Oct 2, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Oct 2, 2026: 2.75% APYOct 2, 2026Oct 20, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month Term CD
$1,000
2.75% ▼ 0.53% below Arizona avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▼ 0.53% below avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 20, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 18-Month
$1,000
2.75% ▼ 0.53% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.28%▼ 0.53% below avgNationally 2.88%
Details

Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 20, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 2.84%
18 Month Term CD
$1,000
2.61% ▼ 0.67% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.28%▼ 0.67% below avgNationally 2.88%
Details

Compounded Monthly

Rate History
No change since Sep 16, 2026 · 2.61% APY · checked 6 times
2.11%2.61%3.11%Sep 16, 2026: 2.61% APYSep 16, 2026Oct 20, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
18 Month Jumbo CD
$95,000
1.65% ▼ 1.63% below Arizona avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 1.63% below avgNationally 2.88%
Details

Fixed rate APY

Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 7 times
1.15%1.65%2.15%Sep 18, 2026: 1.65% APYSep 18, 2026Oct 20, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
18 Month Standard CD
$1,000
1.65% ▼ 1.63% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 1.63% below avgNationally 2.88%
Details

Fixed rate APY

Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 7 times
1.15%1.65%2.15%Sep 18, 2026: 1.65% APYSep 18, 2026Oct 20, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
18 Month Super jumbo CD
$175,000
1.65% ▼ 1.63% below Arizona avg
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 1.63% below avgNationally 2.88%
Details

Fixed rate APY

Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 7 times
1.15%1.65%2.15%Sep 18, 2026: 1.65% APYSep 18, 2026Oct 20, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
18 Month Jumbo CD
$95,000
1.64% ▼ 1.64% below Arizona avg
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 1.64% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 7 times
1.14%1.64%2.14%Sep 18, 2026: 1.64% APYSep 18, 2026Oct 20, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
18 Month Standard CD
$1,000
1.64% ▼ 1.64% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 1.64% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 7 times
1.14%1.64%2.14%Sep 18, 2026: 1.64% APYSep 18, 2026Oct 20, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
18 Month Super jumbo CD
$175,000
1.64% ▼ 1.64% below Arizona avg
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 1.64% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 7 times
1.14%1.64%2.14%Sep 18, 2026: 1.64% APYSep 18, 2026Oct 20, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Standard CD Products
$1,000
1.50% ▼ 1.78% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 1.78% below avgNationally 2.88%
Details

Balance: $100,000 or more; $1,000 opening deposit required

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 20, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
IRA CDs - 18 Months
$1,000
1.50% ▼ 1.78% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.28%▼ 1.78% below avgNationally 2.88%
Details

IRA CD; $1,000 opening deposit required

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 20, 2026

Rio Rico 24 Month CD Rates

Arizona 24 Month CD Average3.14% APYNational 2.90%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2 Year Business Certificate
$500
4.60% ▲ 1.46% above Arizona avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 1.46% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 19, 2026: 4.60% APYOct 19, 2026Oct 20, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2 Year Share Certificate
$500
4.55% ▲ 1.41% above Arizona avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 1.41% above avgNationally 2.90%
Details

Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
No change since Oct 19, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 19, 2026: 4.55% APYOct 19, 2026Oct 20, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50% ▲ 1.36% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 1.36% above avgNationally 2.90%
Details

Most Popular

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 20, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.26% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 20, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Share Certificate
$0
4.30% ▲ 1.16% above Arizona avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 1.16% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 20, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-Month CD
$1,000
4.25% ▲ 1.11% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.90%
Details

Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 20, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25% ▲ 1.11% above Arizona avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-month CD
$500
4.25% ▲ 1.11% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.90%
Details

Long-Term Security; Maximum deposit $10 million; not available for public units or Business CDs

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 20, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 Month Certificate of Deposit
$0
4.12% ▲ 0.98% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.98% above avgNationally 2.90%
Details

Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply

Rate History
No change since Oct 12, 2026 · 4.12% APY · checked 2 times
3.62%4.12%4.62%Oct 12, 2026: 4.12% APYOct 12, 2026Oct 20, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.12% ▲ 0.98% above Arizona avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.98% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
3.46%4.04%4.62%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.12% ▲ 0.98% above Arizona avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.98% above avgNationally 2.90%
Details

IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
3.46%4.04%4.62%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 0.96% above Arizona avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.96% above avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificate
$0
4.05% ▲ 0.91% above Arizona avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.91% above avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYSep 18, 2026: 4.05% APYSep 14, 2026Oct 20, 2026
  • Sep 18, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
24 Month CD
$0
4.00% ▲ 0.86% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.90%
Details

Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month Term Share Certificates
$0
4.00% ▲ 0.86% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00% ▲ 0.86% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.90%
Details

Minimum balance tier: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.86% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.90%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.97% ▲ 0.83% above Arizona avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.83% above avgNationally 2.90%
Details

Rate History
1 change since Oct 13, 2026 · 3.86% → 3.97% ▲ 0.11 pts · high 3.97% / low 3.86%
3.36%3.92%4.47%Oct 13, 2026: 3.86% APYOct 15, 2026: 3.97% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.97%▲ from 3.86%
  • Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 24 Month
$0
3.97% ▲ 0.83% above Arizona avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.83% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal

Rate History
2 changes since Oct 5, 2026 · 3.81% → 3.97% ▲ 0.16 pts · high 3.97% / low 3.81%
3.31%3.89%4.47%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 15, 2026: 3.97% APYOct 5, 2026Oct 20, 2026
  • Oct 15, 20263.97%▲ from 3.82%
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95% ▲ 0.81% above Arizona avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.81% above avgNationally 2.90%
Details

Minimum balance tier: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 20, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Certificate - 24 Months
$0
3.95% ▲ 0.81% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.81% above avgNationally 2.90%
Details

Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.92% → 3.95% ▲ 0.03 pts · high 3.95% / low 3.92%
3.42%3.94%4.45%Sep 14, 2026: 3.92% APYOct 19, 2026: 3.95% APYSep 14, 2026Oct 20, 2026
  • Oct 19, 20263.95%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.90% ▲ 0.76% above Arizona avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.76% above avgNationally 2.90%
Details

Minimum balance tier: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 20, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
24 Month CD - Relationship Rate
$0
3.86% ▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.72% above avgNationally 2.90%
Details

Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 6 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Oct 20, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month Certificate
$1,000
3.82% ▲ 0.68% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.90%
Details

Effective Date: Monday, October 19th, 2026

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 10 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2 Year (24 Month) CD
$500
3.80% ▲ 0.66% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 14, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 Year Certificate
$1,000
3.80% ▲ 0.66% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.90%
Details

Balance: $100,000+; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 20, 2026
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificate - 2-Year
$0
3.80% ▲ 0.66% above Arizona avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 20, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
24 Month Jump Up CD - Relationship Rate
$0
3.76% ▲ 0.62% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.62% above avgNationally 2.90%
Details

Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 6 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2 Year (24 Month) CD
$500
3.75% ▲ 0.61% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
24 Month Share Certificates
$500
3.75% ▲ 0.61% above Arizona avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.90%
Details

$500 Minimum

Rate History
1 change since Sep 16, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 16, 2026: 3.55% APYOct 15, 2026: 3.75% APYSep 16, 2026Oct 20, 2026
  • Oct 15, 20263.75%▲ from 3.55%
  • Sep 16, 20263.55%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 Year Certificate
$1,000
3.75% ▲ 0.61% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2 Year IRA/HSA/CESA
$500
3.75% ▲ 0.61% above Arizona avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Balance: $50,000+; Dividends compounded and credited monthly

Rate History
No change since Oct 1, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 1, 2026: 3.75% APYOct 1, 2026Oct 20, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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 2.90%
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
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 Year Certificate
$1,000
3.70% ▲ 0.56% above Arizona avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.56% above avgNationally 2.90%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 20, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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 2.90%
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
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 Year Certificate
$1,000
3.65% ▲ 0.51% above Arizona avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.51% above avgNationally 2.90%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 20, 2026
  • 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%
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 2.90%
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
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 2 years
$0
3.60% ▲ 0.46% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.90%
Details

Balance: $50,000 tier

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 20, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Year Certificate
$0
3.60% ▲ 0.46% above Arizona avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.90%
Details

Effective October 19, 2026

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 20, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Business 2 Year Certificate
$0
3.60% ▲ 0.46% above Arizona avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.90%
Details

Effective October 19, 2026; Business Checking Account required

Rate History
No change since Oct 19, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 20, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
24 Month CD
$0
3.60% ▲ 0.46% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 20, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
24 Month Certificate Account
$0
3.56% ▲ 0.42% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.42% above avgNationally 2.90%
Details

Balance: $99,000 and over; Certificate Accounts (Term Share)

Rate History
No change since Sep 12, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 12, 2026: 3.56% APYSep 12, 2026Oct 20, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
24 Month IRA Certificate Account
$0
3.56% ▲ 0.42% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.42% above avgNationally 2.90%
Details

Balance: $99,000 and over

Rate History
No change since Sep 12, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 12, 2026: 3.56% APYSep 12, 2026Oct 20, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate 24-Month
$2,000
3.55% ▲ 0.41% above Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.90%
Details

IRA Certificate; Rates as of September 23, 2026

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 2 years
$0
3.55% ▲ 0.41% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Balance: $25,000 tier

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 24-Month
$500
3.51% ▲ 0.37% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.37% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
2.60%3.30%4.01%Sep 14, 2026: 3.10% APYOct 2, 2026: 3.51% APYSep 14, 2026Oct 20, 2026
  • Oct 2, 20263.51%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
24 Month Certificate Account
$0
3.51% ▲ 0.37% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.37% above avgNationally 2.90%
Details

Balance: $50,000 - $98,999.99; Certificate Accounts (Term Share)

Rate History
No change since Sep 12, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 12, 2026: 3.51% APYSep 12, 2026Oct 20, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
24 Month IRA Certificate Account
$0
3.51% ▲ 0.37% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.14%▲ 0.37% above avgNationally 2.90%
Details

Balance: $50,000 - $98,999.99

Rate History
No change since Sep 12, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 12, 2026: 3.51% APYSep 12, 2026Oct 20, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 24 months
$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 2.90%
Details

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 20, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
24-Month Certificate
$500
3.50% ▲ 0.36% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.90%
Details

Rates as of September 23, 2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 20, 2026

Rio Rico 36 Month CD Rates

Arizona 36 Month CD Average3.02% APYNational 2.82%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
3 Year Business Certificate
$500
4.65% ▲ 1.63% above Arizona avg
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 1.63% above avgNationally 2.82%
Details

Rate History
No change since Oct 19, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 19, 2026: 4.65% APYOct 19, 2026Oct 20, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
3 Year Share Certificate
$500
4.60% ▲ 1.58% above Arizona avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 1.58% above avgNationally 2.82%
Details

Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
No change since Oct 19, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 19, 2026: 4.60% APYOct 19, 2026Oct 20, 2026
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
36-Month CD
$0
4.40% ▲ 1.38% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 1.38% above avgNationally 2.82%
Details

CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply

Rate History
No change since Oct 14, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 20, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month Share Certificate
$0
4.25% ▲ 1.23% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 1.23% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 20, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15% ▲ 1.13% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 1.13% above avgNationally 2.82%
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
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 20, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
36 Month Certificate of Deposit
$0
4.12% ▲ 1.10% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 1.10% above avgNationally 2.82%
Details

Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply

Rate History
No change since Oct 12, 2026 · 4.12% APY · checked 2 times
3.62%4.12%4.62%Oct 12, 2026: 4.12% APYOct 12, 2026Oct 20, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.12% ▲ 1.10% above Arizona avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 1.10% above avgNationally 2.82%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
3.41%4.02%4.62%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ 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 - 36 Month
$0
4.12% ▲ 1.10% above Arizona avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 1.10% above avgNationally 2.82%
Details

IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
3.41%4.02%4.62%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.08% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 1.08% above avgNationally 2.82%
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
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00% ▲ 0.98% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.98% above avgNationally 2.82%
Details

Minimum balance tier: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Traditional/Roth IRA Certificate
$100,000
4.00% ▲ 0.98% above Arizona avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.98% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Sep 18, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Certificate - 36 Months
$0
4.00% ▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.98% above avgNationally 2.82%
Details

Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.00% ▲ 0.03 pts · high 4.00% / low 3.97%
3.47%3.99%4.50%Sep 14, 2026: 3.97% APYOct 19, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Oct 19, 20264.00%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 36 Month
$0
3.97% ▲ 0.95% above Arizona avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 0.95% above avgNationally 2.82%
Details

Rate History
1 change since Oct 13, 2026 · 3.86% → 3.97% ▲ 0.11 pts · high 3.97% / low 3.86%
3.36%3.92%4.47%Oct 13, 2026: 3.86% APYOct 15, 2026: 3.97% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.97%▲ from 3.86%
  • Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 36 Month
$0
3.97% ▲ 0.95% above Arizona avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 0.95% above avgNationally 2.82%
Details

Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal

Rate History
2 changes since Oct 5, 2026 · 3.81% → 3.97% ▲ 0.16 pts · high 3.97% / low 3.81%
3.31%3.89%4.47%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 15, 2026: 3.97% APYOct 5, 2026Oct 20, 2026
  • Oct 15, 20263.97%▲ from 3.86%
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month CD - Relationship Rate
$0
3.96% ▲ 0.94% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.94% above avgNationally 2.82%
Details

Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95% ▲ 0.93% above Arizona avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.93% above avgNationally 2.82%
Details

Minimum balance tier: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Traditional/Roth IRA Certificate
$50,000
3.95% ▲ 0.93% above Arizona avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.93% above avgNationally 2.82%
Details

Traditional/Roth IRA Certificates.

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90% ▲ 0.88% above Arizona avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.88% above avgNationally 2.82%
Details

Minimum balance tier: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Traditional/Roth IRA Certificates
$1,000
3.90% ▲ 0.88% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.88% above avgNationally 2.82%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 21, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 21, 2026: 3.95% APYOct 19, 2026: 3.90% APYSep 21, 2026Oct 20, 2026
  • Oct 19, 20263.90%▼ from 3.95%
  • Sep 21, 20263.95%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month Jump Up CD - Relationship Rate
$0
3.81% ▲ 0.79% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.79% above avgNationally 2.82%
Details

Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year (36 Month) CD
$500
3.80% ▲ 0.78% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 0.78% above avgNationally 2.82%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 14, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.80% ▲ 0.78% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.78% above avgNationally 2.82%
Details

Balance: $100,000+; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year IRA/HSA/CESA
$500
3.80% ▲ 0.78% above Arizona avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.78% above avgNationally 2.82%
Details

Balance: $50,000+; Dividends compounded and credited monthly

Rate History
No change since Oct 1, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 1, 2026: 3.80% APYOct 1, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year (36 Month) CD
$500
3.75% ▲ 0.73% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 0.73% above avgNationally 2.82%
Details

Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month Term Share Certificates
$0
3.75% ▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 0.73% above avgNationally 2.82%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.75% ▲ 0.73% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.73% above avgNationally 2.82%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 20, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month IRA CD
$0
3.75% ▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.73% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.70% ▲ 0.68% above Arizona avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.68% above avgNationally 2.82%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 20, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month CD
$0
3.70% ▲ 0.68% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.68% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.65% ▲ 0.63% above Arizona avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.63% above avgNationally 2.82%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 20, 2026
  • Oct 5, 20263.65%▼ from 3.75%
  • Sep 29, 20263.75%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 3 years
$0
3.65% ▲ 0.63% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.63% above avgNationally 2.82%
Details

Balance: $50,000 tier

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Year Certificate
$0
3.65% ▲ 0.63% above Arizona avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.63% above avgNationally 2.82%
Details

Effective October 19, 2026

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Business 3 Year Certificate
$0
3.65% ▲ 0.63% above Arizona avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.63% above avgNationally 2.82%
Details

Effective October 19, 2026; Business Checking Account required

Rate History
No change since Oct 19, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 3 years
$0
3.60% ▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.58% above avgNationally 2.82%
Details

Balance: $25,000 tier

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 3 years
$0
3.55% ▲ 0.53% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.53% above avgNationally 2.82%
Details

Balance: $10,000 tier

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month Jump Up CD
$0
3.55% ▲ 0.53% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.53% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 36-Month
$500
3.51% ▲ 0.49% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 0.49% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 14, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 14, 2026Oct 20, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
36 Month Business Certificates of Deposit
$5,000
3.51% ▲ 0.49% above Arizona avg
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 0.49% above avgNationally 2.82%
Details

Penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
36 Month IRA Certificate
$5,000
3.51% ▲ 0.49% above Arizona avg
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 0.49% above avgNationally 2.82%
Details

$5,000 minimum opening balance

Rate History
No change since Oct 14, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificates of Deposits (Personal and Business) - 36 month
$5,000
3.51% ▲ 0.49% above Arizona avg
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 0.49% above avgNationally 2.82%
Details

$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 20, 2026
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
36 Month Share Certificate
$0
3.50% ▲ 0.48% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 0.48% above avgNationally 2.82%
Details

Balance: $10,000 - and over; New Certificates

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 21, 2026: 3.00% APYOct 13, 2026: 3.50% APYSep 21, 2026Oct 20, 2026
  • Oct 13, 20263.50%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Term Share Certificates / IRA Certificates (Jumbo) - 36 months
$75,000
3.50% ▲ 0.48% above Arizona avg
▼
Rate3.45%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.48% above avgNationally 2.82%
Details

Jumbo; Dividend Rate 3.454%; Penalties may apply for early withdrawal.

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 20, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 36 Month
$0
3.50% ▲ 0.48% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.48% above avgNationally 2.82%
Details

Rate History
No change since Oct 19, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$0
3.40% ▲ 0.38% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 0.38% above avgNationally 2.82%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.65%

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$0
3.40% ▲ 0.38% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.02%▲ 0.38% above avgNationally 2.82%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.65%

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.40% APYOct 2, 2026Oct 20, 2026
  • Oct 7, 20263.40%▼ from 3.50%
  • Oct 2, 20263.50%first recorded
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
3 Year Share Certificate
$500
3.40% ▲ 0.38% above Arizona avg
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.38% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
36 Month TSC or IRA TSC
$10,000
3.35% ▲ 0.33% above Arizona avg
▼
Rate3.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.33% above avgNationally 2.82%
Details

Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 20, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificate (Non-Relationship Pricing) - 36 Month TSC or IRA TSC
$0
3.35% ▲ 0.33% above Arizona avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.02%▲ 0.33% above avgNationally 2.82%
Details

Non-Relationship Pricing; Balance: $10,000 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026

Rate History
No change since Oct 19, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 19, 2026: 3.35% APYOct 19, 2026Oct 20, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
36 Month Certificate Account
$0
3.30% ▲ 0.28% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 0.28% above avgNationally 2.82%
Details

Balance: $99,000 and over; Certificate Accounts (Term Share)

Rate History
No change since Sep 12, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 12, 2026: 3.30% APYSep 12, 2026Oct 20, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
36 Month IRA Certificate Account
$0
3.30% ▲ 0.28% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.02%▲ 0.28% above avgNationally 2.82%
Details

Balance: $99,000 and over

Rate History
No change since Sep 12, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 12, 2026: 3.30% APYSep 12, 2026Oct 20, 2026

Rio Rico 48 Month CD Rates

Arizona 48 Month CD Average2.70% APYNational 2.82%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
4 Year Business Certificate
$500
4.75% ▲ 2.05% above Arizona avg
▼
Rate4.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 2.05% above avgNationally 2.82%
Details

Rate History
No change since Oct 19, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 19, 2026: 4.75% APYOct 19, 2026Oct 20, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
4 Year Share Certificate
$500
4.65% ▲ 1.95% above Arizona avg
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 1.95% above avgNationally 2.82%
Details

Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
No change since Oct 19, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 19, 2026: 4.65% APYOct 19, 2026Oct 20, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Share Certificate
$0
4.25% ▲ 1.55% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▲ 1.55% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 20, 2026
  • Oct 13, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
4.07% ▲ 1.37% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▲ 1.37% above avgNationally 2.82%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.07% ▲ 0.16 pts · high 4.07% / low 3.91%
3.41%3.99%4.57%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.07%▲ from 3.97%
  • 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
4.07% ▲ 1.37% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▲ 1.37% above avgNationally 2.82%
Details

IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.07% ▲ 0.16 pts · high 4.07% / low 3.91%
3.41%3.99%4.57%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.07%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Certificate - 48 Months
$0
4.05% ▲ 1.35% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 1.35% above avgNationally 2.82%
Details

Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.05% ▲ 0.03 pts · high 4.05% / low 4.02%
3.52%4.04%4.55%Sep 14, 2026: 4.02% APYOct 19, 2026: 4.05% APYSep 14, 2026Oct 20, 2026
  • Oct 19, 20264.05%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.91% ▲ 1.21% above Arizona avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▲ 1.21% above avgNationally 2.82%
Details

Rate History
1 change since Oct 13, 2026 · 3.81% → 3.91% ▲ 0.10 pts · high 3.91% / low 3.81%
3.31%3.86%4.41%Oct 13, 2026: 3.81% APYOct 15, 2026: 3.91% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.91%▲ from 3.81%
  • Oct 13, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 48 Month
$0
3.91% ▲ 1.21% above Arizona avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▲ 1.21% above avgNationally 2.82%
Details

Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.91% ▲ 0.10 pts · high 3.91% / low 3.81%
3.31%3.86%4.41%Oct 5, 2026: 3.81% APYOct 15, 2026: 3.91% APYOct 5, 2026Oct 20, 2026
  • Oct 15, 20263.91%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month Term Share Certificates
$0
3.75% ▲ 1.05% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▲ 1.05% above avgNationally 2.82%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4 Year Certificate
$1,000
3.75% ▲ 1.05% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 1.05% above avgNationally 2.82%
Details

Balance: $1,000.00+; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 20, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4 Year Certificate
$0
3.75% ▲ 1.05% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 1.05% above avgNationally 2.82%
Details

Effective October 19, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Business 4 Year Certificate
$0
3.75% ▲ 1.05% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 1.05% above avgNationally 2.82%
Details

Effective October 19, 2026; Business Checking Account required

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 20, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Term Share Certificates / IRA Certificates (Jumbo) - 48 months
$75,000
3.75% ▲ 1.05% above Arizona avg
▼
Rate3.70%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 1.05% above avgNationally 2.82%
Details

Jumbo; Dividend Rate 3.698%; Penalties may apply for early withdrawal.

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48 Month Business Certificates of Deposit
$5,000
3.66% ▲ 0.96% above Arizona avg
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.96% above avgNationally 2.82%
Details

Penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48 Month IRA Certificate
$5,000
3.66% ▲ 0.96% above Arizona avg
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.96% above avgNationally 2.82%
Details

$5,000 minimum opening balance

Rate History
No change since Oct 14, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificates of Deposits (Personal and Business) - 48 month
$5,000
3.66% ▲ 0.96% above Arizona avg
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.96% above avgNationally 2.82%
Details

$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.65% ▲ 0.95% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.95% above avgNationally 2.82%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.90%

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.65% ▲ 0.95% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.95% above avgNationally 2.82%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.90%

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 20, 2026
  • Oct 7, 20263.65%▼ from 3.75%
  • Oct 2, 20263.75%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 48-Month
$500
3.51% ▲ 0.81% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.81% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 14, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 14, 2026Oct 20, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.50% ▲ 0.80% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.80% above avgNationally 2.82%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 3.75%

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.50% ▲ 0.80% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.80% above avgNationally 2.82%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 3.75%

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 20, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
48 Month Term Share Certificates / IRA Certificates (Regular)
$1,000
3.50% ▲ 0.80% above Arizona avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 0.80% above avgNationally 2.82%
Details

Regular term share certificate; Dividend Rate and APY as printed; penalties may apply for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 20, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Term Share Certificates (Regular) - 48 months
$1,000
3.50% ▲ 0.80% above Arizona avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 0.80% above avgNationally 2.82%
Details

Rate History
No change since Oct 19, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 20, 2026
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Year Share Certificate
$500
3.45% ▲ 0.75% above Arizona avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 0.75% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.45% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month TSC or IRA TSC
$10,000
3.40% ▲ 0.70% above Arizona avg
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 0.70% above avgNationally 2.82%
Details

Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 20, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificate (Non-Relationship Pricing) - 48 Month TSC or IRA TSC
$0
3.40% ▲ 0.70% above Arizona avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 0.70% above avgNationally 2.82%
Details

Non-Relationship Pricing; Balance: $10,000 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026

Rate History
No change since Oct 19, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 19, 2026: 3.40% APYOct 19, 2026Oct 20, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month TSC or IRA TSC
$500
3.35% ▲ 0.65% above Arizona avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 0.65% above avgNationally 2.82%
Details

Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 20, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificate (Non-Relationship Pricing) - 48 Month TSC or IRA TSC
$0
3.30% ▲ 0.60% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 0.60% above avgNationally 2.82%
Details

Non-Relationship Pricing; Balance: $500 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026

Rate History
No change since Oct 19, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 20, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate of Deposit
$0
3.25% ▲ 0.55% above Arizona avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.55% above avgNationally 2.82%
Details

CD Term (Minimum Balance $500)

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Sep 14, 2026: 2.90% APYOct 2, 2026: 3.25% APYSep 14, 2026Oct 20, 2026
  • Oct 2, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 48 months
$0
3.25% ▲ 0.55% above Arizona avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.55% above avgNationally 2.82%
Details

Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 2, 2026: 3.25% APYOct 2, 2026Oct 20, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$100,000
2.85% ▲ 0.15% above Arizona avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.15% above avgNationally 2.82%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 20, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$100,000
2.85% ▲ 0.15% above Arizona avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.15% above avgNationally 2.82%
Details

Jumbo: $100,000 min. deposit; Dividend Rate 2.810%

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.85% APYSep 24, 2026Oct 20, 2026
  • Oct 7, 20262.85%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$50,000
2.80% ▲ 0.10% above Arizona avg
▼
Rate2.77%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.10% above avgNationally 2.82%
Details

$50,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 8 times
2.30%2.80%3.30%Sep 18, 2026: 2.80% APYSep 18, 2026Oct 20, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$50,000
2.80% ▲ 0.10% above Arizona avg
▼
Rate2.76%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.10% above avgNationally 2.82%
Details

$50,000 min. deposit tier

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.80% APYSep 24, 2026Oct 20, 2026
  • Oct 7, 20262.80%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$25,000
2.75% ▲ 0.05% above Arizona avg
▼
Rate2.72%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.05% above avgNationally 2.82%
Details

$25,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$25,000
2.75% ▲ 0.05% above Arizona avg
▼
Rate2.71%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.05% above avgNationally 2.82%
Details

Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 20, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 48-Month
$500
2.75% ▲ 0.05% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▲ 0.05% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 20, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Business & Non-Profit Term Share Certificates - 48 months
$0
2.75% ▲ 0.05% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▲ 0.05% above avgNationally 2.82%
Details

Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 20, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 48 Month
$0
2.75% ▲ 0.05% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▲ 0.05% above avgNationally 2.82%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 20, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$1,000
2.70% At Arizona avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%At the averageNationally 2.82%
Details

Effective Date: 02/04/2026; Rates for California

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 20, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$1,000
2.70% At Arizona avg
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%At the averageNationally 2.82%
Details

IRA; Fixed Rate Accounts; Effective Date: 02/04/2026

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
2.20%2.73%3.25%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.70% APYSep 24, 2026Oct 20, 2026
  • Oct 7, 20262.70%▼ from 2.75%
  • Sep 24, 20262.75%first recorded
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificate - 4-Year
$0
2.56% ▼ 0.14% below Arizona avg
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▼ 0.14% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 2.56% APY · checked 2 times
2.06%2.56%3.06%Oct 14, 2026: 2.56% APYOct 14, 2026Oct 20, 2026
Gateway Commercial Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
Individual Retirement Accounts - 48 months
$0
2.53% ▼ 0.17% below Arizona avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▼ 0.17% below avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 14, 2026: 2.53% APYOct 14, 2026Oct 20, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Certificate of Deposit - 48 Month
$1,000
2.50% ▼ 0.20% below Arizona avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▼ 0.20% below avgNationally 2.82%
Details

Minimum daily balance of $1,000 required to obtain disclosed APY; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 20, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
48-Month Certificate
$500
2.50% ▼ 0.20% below Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▼ 0.20% below avgNationally 2.82%
Details

Rates as of September 23, 2026

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 20, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Month Term Share Certificates
$1,000
2.50% ▼ 0.20% below Arizona avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average2.70%▼ 0.20% below avgNationally 2.82%
Details

Minimum $1,000

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 20, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 2.84%
48 Month Term CD
$1,000
2.10% ▼ 0.60% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▼ 0.60% below avgNationally 2.82%
Details

Compounded Monthly

Rate History
No change since Sep 16, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 16, 2026: 2.10% APYSep 16, 2026Oct 20, 2026
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
Term Certificate - 4 Year
$0
2.02% ▼ 0.68% below Arizona avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average2.70%▼ 0.68% below avgNationally 2.82%
Details

Balance: over $50,000

Rate History
1 change since Sep 14, 2026 · 1.51% → 2.02% ▲ 0.51 pts · high 2.02% / low 1.51%
1.00%1.77%2.53%Sep 14, 2026: 1.51% APYSep 21, 2026: 2.02% APYSep 14, 2026Oct 20, 2026
  • Sep 21, 20262.02%▲ from 1.51%
  • Sep 14, 20261.51%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
48 Month Certificate of Deposit - Platinum Loyalty Tier
$0
1.95% ▼ 0.75% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▼ 0.75% below avgNationally 2.82%
Details

Term: 48 Months (48-59 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%

Rate History
No change since Oct 14, 2026 · 1.95% APY
1.45%1.95%2.45%Oct 14, 2026: 1.95% APYOct 14, 2026Oct 20, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
48 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.85% ▼ 0.85% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.70%▼ 0.85% below avgNationally 2.82%
Details

Term: 48 Months (48-59 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%

Rate History
No change since Oct 14, 2026 · 1.85% APY
1.35%1.85%2.35%Oct 14, 2026: 1.85% APYOct 14, 2026Oct 20, 2026

Rio Rico 60 Month CD Rates

Arizona 60 Month CD Average3.03% APYNational 2.93%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
5 Year Business Certificate
$500
4.80% ▲ 1.77% above Arizona avg
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.77% above avgNationally 2.93%
Details

Rate History
No change since Oct 19, 2026 · 4.80% APY
4.30%4.80%5.30%Oct 19, 2026: 4.80% APYOct 19, 2026Oct 20, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
5 Year Share Certificate
$500
4.70% ▲ 1.67% above Arizona avg
▼
Rate4.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.67% above avgNationally 2.93%
Details

Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
No change since Oct 19, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 19, 2026: 4.70% APYOct 19, 2026Oct 20, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50% ▲ 1.47% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 20, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50% ▲ 1.47% above Arizona avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.93%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 20, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Regular Certificate
$500
4.50% ▲ 1.47% above Arizona avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 19, 2026: 4.50% APYSep 14, 2026Oct 20, 2026
  • Oct 19, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Bump-Rate Certificate 60 Months
$500
4.35% ▲ 1.32% above Arizona avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.32% above avgNationally 2.93%
Details

Early-withdrawal penalties may apply; Dividends are credited monthly

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 20, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30% ▲ 1.27% above Arizona avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.27% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
60 Month Share Certificate
$0
4.25% ▲ 1.22% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.03%▲ 1.22% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 20, 2026
  • Oct 13, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
60 Month Certificate of Deposit
$0
4.12% ▲ 1.09% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.03%▲ 1.09% above avgNationally 2.93%
Details

Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply

Rate History
No change since Oct 12, 2026 · 4.12% APY · checked 2 times
3.62%4.12%4.62%Oct 12, 2026: 4.12% APYOct 12, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.07% above Arizona avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.07% above avgNationally 2.93%
Details

($100,000.00 and over) tier; Dividend Rate 4.03%

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 20, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Certificate - 60 Months
$0
4.10% ▲ 1.07% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.07% above avgNationally 2.93%
Details

Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.10% ▲ 0.03 pts · high 4.10% / low 4.07%
3.57%4.09%4.60%Sep 14, 2026: 4.07% APYOct 19, 2026: 4.10% APYSep 14, 2026Oct 20, 2026
  • Oct 19, 20264.10%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.07% ▲ 1.04% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.03%▲ 1.04% above avgNationally 2.93%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00%
3.50%4.04%4.57%Sep 14, 2026: 4.00% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.07%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.07% ▲ 1.04% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.03%▲ 1.04% above avgNationally 2.93%
Details

IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00%
3.50%4.04%4.57%Sep 14, 2026: 4.00% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.07%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
60 Month CD - Relationship Rate
$0
4.06% ▲ 1.03% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.03% above avgNationally 2.93%
Details

Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificate
$0
4.05% ▲ 1.02% above Arizona avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 1.02% above avgNationally 2.93%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 10 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00% ▲ 0.97% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.93%
Details

Minimum balance tier: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.97% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.93%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Traditional/Roth IRA Certificate
$100,000
4.00% ▲ 0.97% above Arizona avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Sep 18, 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%
5 Year Business Share Certificates
$0
3.95% ▲ 0.92% above Arizona avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.92% above avgNationally 2.93%
Details

Minimum balance tier: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Traditional/Roth IRA Certificate
$50,000
3.95% ▲ 0.92% above Arizona avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.92% above avgNationally 2.93%
Details

Traditional/Roth IRA Certificates.

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month Business Certificates of Deposit
$5,000
3.92% ▲ 0.89% above Arizona avg
▼
Rate3.85%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.89% above avgNationally 2.93%
Details

Penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Sep 18, 2026: 3.92% APYSep 18, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
60 Month IRA Certificate
$5,000
3.92% ▲ 0.89% above Arizona avg
▼
Rate3.85%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.89% above avgNationally 2.93%
Details

$5,000 minimum opening balance

Rate History
No change since Oct 14, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 14, 2026: 3.92% APYOct 14, 2026Oct 20, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificates of Deposits (Personal and Business) - 60 month
$5,000
3.92% ▲ 0.89% above Arizona avg
▼
Rate3.85%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.89% above avgNationally 2.93%
Details

$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 20, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 60 Month
$0
3.91% ▲ 0.88% above Arizona avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.03%▲ 0.88% above avgNationally 2.93%
Details

Rate History
1 change since Oct 13, 2026 · 3.84% → 3.91% ▲ 0.07 pts · high 3.91% / low 3.84%
3.34%3.88%4.41%Oct 13, 2026: 3.84% APYOct 15, 2026: 3.91% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.91%▲ from 3.84%
  • Oct 13, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 60 Month
$0
3.91% ▲ 0.88% above Arizona avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.03%▲ 0.88% above avgNationally 2.93%
Details

Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 5, 2026 · 3.84% → 3.91% ▲ 0.07 pts · high 3.91% / low 3.84%
3.34%3.88%4.41%Oct 5, 2026: 3.84% APYOct 15, 2026: 3.91% APYOct 5, 2026Oct 20, 2026
  • Oct 15, 20263.91%▲ from 3.84%
  • Oct 5, 20263.84%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 0.87% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.93%
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
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$0
3.90% ▲ 0.87% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.93%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 4.15%

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$0
3.90% ▲ 0.87% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.93%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 4.15%

Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 2, 2026: 4.00% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 20, 2026
  • Oct 7, 20263.90%▼ from 4.00%
  • Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.90% ▲ 0.87% above Arizona avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.93%
Details

Minimum balance tier: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 20, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Traditional/Roth IRA Certificates
$1,000
3.90% ▲ 0.87% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.93%
Details

Balance: $1,000.00 - $49,999.99

Rate History
1 change since Sep 21, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 21, 2026: 3.95% APYOct 19, 2026: 3.90% APYSep 21, 2026Oct 20, 2026
  • Oct 19, 20263.90%▼ from 3.95%
  • Sep 21, 20263.95%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
5 Year IRA/HSA/CESA
$500
3.90% ▲ 0.87% above Arizona avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.93%
Details

Balance: $50,000+; Dividends compounded and credited monthly

Rate History
No change since Oct 1, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 1, 2026: 3.90% APYOct 1, 2026Oct 20, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 0.82% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.82% above avgNationally 2.93%
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
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 20, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
5 Year Certificate
$0
3.85% ▲ 0.82% above Arizona avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.82% above avgNationally 2.93%
Details

Effective October 19, 2026

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 20, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Business 5 Year Certificate
$0
3.85% ▲ 0.82% above Arizona avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.82% above avgNationally 2.93%
Details

Effective October 19, 2026; Business Checking Account required

Rate History
No change since Oct 19, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
5 Year (60 Month) CD
$500
3.80% ▲ 0.77% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.77% above avgNationally 2.93%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 14, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
60 Month CD
$0
3.80% ▲ 0.77% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.77% above avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$0
3.75% ▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.93%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 4.00%

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 20, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$0
3.75% ▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.93%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 4.00%

Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 2, 2026: 3.75% APYOct 2, 2026Oct 20, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
5 Year (60 Month) CD
$500
3.75% ▲ 0.72% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.93%
Details

Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
  • Oct 14, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month Term Share Certificates
$0
3.75% ▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.93%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 5 years
$0
3.75% ▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.93%
Details

Balance: $50,000 tier

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 20, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5 Year Certificate
$1,000
3.70% ▲ 0.67% above Arizona avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.67% above avgNationally 2.93%
Details

Balance: $1,000.00+; Regular or IRA certificate

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 5 years
$0
3.70% ▲ 0.67% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.67% above avgNationally 2.93%
Details

Balance: $25,000 tier

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 5 years
$0
3.65% ▲ 0.62% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.62% above avgNationally 2.93%
Details

Balance: $10,000 tier

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Certificate Account - 5 years
$0
3.60% ▲ 0.57% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.57% above avgNationally 2.93%
Details

Balance: $500 tier

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 20, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 60-Month
$500
3.51% ▲ 0.48% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.03%▲ 0.48% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 14, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 14, 2026Oct 20, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
5 Year Share Certificate
$500
3.50% ▲ 0.47% above Arizona avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.47% above avgNationally 2.93%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 20, 2026
  • Oct 9, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Certificate Accounts - 60 Months
$0
3.30% ▲ 0.27% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.03%▲ 0.27% above avgNationally 2.93%
Details

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

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 20, 2026
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
60 Month Business Certificate
$0
3.30% ▲ 0.27% above Arizona avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arizona Average3.03%▲ 0.27% above avgNationally 2.93%
Details

Balance: $250,000 minimum tier; Rates as of 10/14/2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 20, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
60 Month TSC or IRA TSC
$10,000
3.30% ▲ 0.27% above Arizona avg
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arizona Average3.03%▲ 0.27% above avgNationally 2.93%
Details

Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 20, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Rio Rico, Arizona Institutions

Highest verified APYs available today, updated October 19, 2026

B Top 5 Bank Rates
Wells Fargo
1 year Standard Fixed Rate CD - Relationship
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Academy Bank
Certificate of Deposit 18-Month
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
Banterra Bank
36-Month CD
A 4.7 ★ TX: 4.32%
Min: $0
4.40%
Vio Bank
Certificate of Deposit - 24 Month
A+ 5.0 ★ TX: 4.93%
Min: $0
4.40%
CU Top 5 Credit Union Rates
TUCSON
5 Year Business Certificate
A+ 5.0 ★ TX: 5.69%
Min: $500
4.80%
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.50%
America First Federal Credit Union
60 Month Certificate Account
A 5.0 ★ TX: 8.33%
Min: $500
4.50%
Landings Credit Union
12-Month LifeStage Certificate
A+ 5.0 ★ TX: 3.83%
Min: $500
4.50%
San Diego Firefighters Federal Credit Union
12 Month Share Certificate
A+ 5.0 ★ TX: 1.33%
Min: $0
4.45%
Rates verified October 19, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Rio Rico, AZ CD Rate Trends

Compare local Rio Rico, AZ CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Arizona CD Trends
12-Month CD AZ Avg
3.358%
▼ 0.020 vs 7 days ago

Arizona 12-month CD rates fell 0.020 points over the past 7 days to 3.358% APY.

6-Month CD AZ Avg
3.166%
▲ 0.044 vs 7 days ago

Arizona 6-month CD rates rose 0.044 points over the past 7 days to 3.166% APY.

As of Oct 20, 2026 • Rate data sourced from 8,500+ monitored institutions

AZ CD Rate Forecast, Next 12 Months

Where are Arizona CD rates headed through October 2027?

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

AZ 12-Month Avg APY
3.358%
6-Month Forecast
3.358%
Range: 3.16%, 3.51%
12-Month Forecast
3.608%
Range: 3.41%, 3.76%

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

Spread model: The Arizona 12-month CD average currently trades 1.02% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at AZ CD Rates Today

Annual interest earnings at today’s Arizona average APYs. State average used where available; national average as fallback.

CD Term AZ Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.491% $124.56 $249.13 $622.82 $1,245.65
6-Month CD 3.166% $158.28 $316.55 $791.38 $1,582.75
12-Month CD 3.358% $167.91 $335.82 $839.55 $1,679.10
18-Month CD 3.281% $164.05 $328.10 $820.25 $1,640.50
24-Month CD 3.137% $156.86 $313.71 $784.28 $1,568.55
36-Month CD 3.019% $150.96 $301.93 $754.82 $1,509.65
48-Month CD 2.696% $134.80 $269.59 $673.98 $1,347.95
60-Month CD 3.033% $151.67 $303.34 $758.35 $1,516.70
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026.
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Sample CD Ladder for Rio Rico, Arizona Savers

$25,000 split equally across 5 terms using today’s Arizona average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit AZ Avg APY Annual Earnings
1 3-Month CD $5,000 2.491% $124.56
2 6-Month CD $5,000 3.166% $158.28
3 12-Month CD $5,000 3.358% $167.91
4 24-Month CD $5,000 3.137% $156.86
5 36-Month CD $5,000 3.019% $150.96
Total ($25,000 invested) $25,000 3.034% blended $758.57/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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886
CD Rates
Tracked in Rio Rico, Arizona
26 Banks 40 Credit Unions

About Our Rio Rico, Arizona CD Rate Database

MonitorBankRates tracks 886 CD rates from 26 banks and 40 credit unions with locations in Rio Rico, 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: Wells Fargo offers a CD at 1.51% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Rio Rico, Arizona.

How to Find the Best CD Rates in Rio Rico, Arizona

What to compare when shopping for a CD in Rio Rico, Arizona

To find the best APYs in Rio Rico, Arizona, start with credit unions and online-only banks: Rio Rico, Arizona has 40 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 Rio Rico, 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 Rio Rico, Arizona: 66 institutions here report CD rates

Consider an Alternative If…

Rio Rico, Arizona Financial Snapshot

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

Population 65+
12.5%
National avg: 17.3%
Median Individual Earnings
$39,756
National avg: $47,340
Poverty Rate
16.6%
National avg: 11.1%
Unemployment Rate
10.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$134/yr
At AZ 12-mo avg 3.358% APY

12.5% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 10.5% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s AZ 12-month CD average of 3.358%, saving 10% of the local median salary ($3,975/year) and putting it in a CD would earn an additional $134 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 Rio Rico, 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 Rio Rico, 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 Rio Rico, 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 Rio Rico, Arizona as everywhere in the U.S.

Choosing a CD Term in Rio Rico, 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 Rio Rico, Arizona savers easier access to their funds. For example, Wells Fargo is offering its 6 month Standard Fixed Rate CD - Relationship at 0.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, TUCSON is offering its 5 Year Business Certificate at 4.80% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Rio Rico, 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 Rio Rico, 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 Rio Rico, 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 Rio Rico, 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 Rio Rico, Arizona

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

Are CD rates in Rio Rico, Arizona FDIC insured?

Yes, most established banks in Rio Rico, 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 Rio Rico, 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 Rio Rico, 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 Rio Rico, 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 Rio Rico, Arizona?

Here are recent top rates found for this area:
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
  • TUCSON: 4.80% APY (5 Year Business Certificate)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
  • America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
  • Landings Credit Union: 4.50% APY (12-Month LifeStage Certificate)
  • San Diego Firefighters Federal Credit Union: 4.45% APY (12 Month Share Certificate)
  • Academy Bank: 4.40% APY (Certificate of Deposit 18-Month)
  • Banterra Bank: 4.40% APY (36-Month CD)
  • Vio Bank: 4.40% APY (Certificate of Deposit - 24 Month)
Rates reflect recent verified offers available in Rio Rico, Arizona. Last Updated: October 19, 2026

Rio Rico, 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 Rio Rico, Arizona rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Rio Rico, Arizona CD Rates by Term

Verified October 19, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Rio Rico, Arizona. Averages shown use the Arizona state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Rio Rico, 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 Rio Rico, 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 Rio Rico, 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 19, 2026

Rio Rico, Arizona Rates & Resources