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CD Rate Trends

Superior, Arizona Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Superior, Arizona CD rates range from 0.05% to 4.80% APY, verified by MonitorBankRates as of October 14, 2026. Current Superior, Arizona CD rates include BMO Bank National AssociationBMO Bank National Association351 W Main St, Superior, AZ 85173A+5.0 ★Texas Ratio: 3.54%Real return: -2.05%APY minus CPI (February 2026) offering 12 Month IRA Certificate of Deposit at 0.75% 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 14, 2026 according to verified data from MonitorBankRates.

Superior has 16 local institutions in our database, with CD rates as high as 0.75% APY from BMO Bank National Association at 351 W Main St, Superior, AZ 85173. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Arizona area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Superior 3 Month CD Rates

Arizona 3 Month CD Average2.34% APYNational 2.09%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
3 Month Standard CD
$1,000
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.24% above Arizona avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average2.34%▲ 2.24% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 14, 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% ▲ 1.72% above Arizona avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▲ 1.72% above avgNationally 2.09%
Details

Balance: $10,000 - up; Renewal Rate: 3.500%; Renewal APY: 3.546%

Rate History
1 change since Sep 14, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
2.52%3.68%4.83%Sep 14, 2026: 3.29% APYOct 13, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.06%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Month Share Certificate
$0
3.50% ▲ 1.16% above Arizona avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▲ 1.16% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$1,000
3.00% ▲ 0.66% above Arizona avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.79% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 0.79% below avgNationally 2.09%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.84% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 0.84% below avgNationally 2.09%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.60% ▼ 1.74% below Arizona avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.74% below avgNationally 2.09%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 29, 2026: 0.60% APYSep 29, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.55% ▼ 1.79% below Arizona avg
View
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.79% below avgNationally 2.09%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 29, 2026: 0.55% APYSep 29, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.50% ▼ 1.84% below Arizona avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.84% below avgNationally 2.09%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 29, 2026: 0.50% APYSep 29, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.45% ▼ 1.89% below Arizona avg
View
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.89% below avgNationally 2.09%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 29, 2026: 0.45% APYSep 29, 2026Oct 14, 2026

Superior 6 Month CD Rates

Arizona 6 Month CD Average3.12% APYNational 2.77%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
6 Month IRA Certificate of Deposit
$0
0.05% ▼ 3.07% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.07% below avgNationally 2.77%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
6 Month Standard CD
$1,000
0.05% ▼ 3.07% below Arizona avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.07% below avgNationally 2.77%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.18% above Arizona avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average3.12%▲ 1.18% above avgNationally 2.77%
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 14, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Share Certificate
$0
4.15% ▲ 1.03% above Arizona avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 1.03% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 14, 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% ▲ 1.02% above Arizona avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 1.02% above avgNationally 2.77%
Details

Balance: $2,500 - $9,999.99; Renewal Rate: 3.800%; Renewal APY: 3.836%

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 14, 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% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.98% above avgNationally 2.77%
Details

APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.98% above avgNationally 2.77%
Details

Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 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% ▲ 0.93% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.93% above avgNationally 2.77%
Details

APY as high as 4.05%; Rate type: Fixed; Terms available from six months to five years; No monthly or annual service fees; Minimum balance $100,000

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 18, 2026: 3.55% APYOct 10, 2026: 4.05% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.05%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month Business Certificate
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month Certificate
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month IRA Certificate
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
180 Day Business Certificate
$0
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details

Rate History
1 change since Sep 27, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 27, 2026: 3.85% APYOct 6, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.00%▲ from 3.85%
  • Sep 27, 20263.85%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6 Month CD - Relationship
$0
3.96% ▲ 0.84% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.84% above avgNationally 2.77%
Details

Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 5 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 14, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95% ▲ 0.83% above Arizona avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.83% above avgNationally 2.77%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate Accounts
$0
3.85% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.77%
Details

Min. Amount: $50,000

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
180 Day Share Certificate
$0
3.85% ▲ 0.73% above Arizona avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.77%
Details

Also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
1 change since Sep 27, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 27, 2026: 3.75% APYOct 6, 2026: 3.85% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20263.85%▲ from 3.75%
  • Sep 27, 20263.75%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
6 Month Certificate of Deposit (CD)
$0
3.85% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 14, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Certificate of Deposit
$0
3.82% ▲ 0.70% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.77%
Details

Balance: $500.00 to $49,999.99

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 14, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Month Certificate
$0
3.82% ▲ 0.70% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Certificate
$1,000
3.82% ▲ 0.70% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 6 Months
$500
3.80% ▲ 0.68% above Arizona avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details

Share Certificates ($500 Minimum)

Rate History
No change since Sep 16, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 16, 2026: 3.80% APYSep 16, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.80% ▲ 0.68% above Arizona avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.80% ▲ 0.68% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate Accounts
$0
3.80% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details

Min. Amount: $25,000

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Month Term Share Certificates
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.50% APYOct 12, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20263.75%▲ from 3.50%
  • Oct 4, 20263.50%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details

Balance: $100,000

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 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 14, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6-Month Certificate
$500
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details

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 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate Accounts
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details

Min. Amount: $10,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 Month Share Certificate
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details

Balance: $10,000 or Greater

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
6 Month Term Certificate
$500
3.72% ▲ 0.60% above Arizona avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.60% above avgNationally 2.77%
Details

over $50,000; Balance: over $50,000; Dividends calculated daily, paid quarterly

Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 3 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details

Balance: $50,000

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 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Months
$50,000
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.64%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate Accounts
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details

Min. Amount: $500

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6 Month CD
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details

Consumer Certificate of Deposit; APY accurate as of 10/02/2026; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
Business 6 Month CD
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details

Consumer Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6-Month Jumbo Certificate
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details

Featured rate; Jumbo certificate; Fixed for the term; Dividends compounded monthly

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 14, 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% ▲ 0.58% above Arizona avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details

Balance: $500-$9,999

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.54% above Arizona avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.54% above avgNationally 2.77%
Details

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 14, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.65% ▲ 0.53% above Arizona avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.53% above avgNationally 2.77%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 29, 2026: 3.65% APYSep 29, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.65% ▲ 0.53% above Arizona avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.53% above avgNationally 2.77%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$1,000
3.65% ▲ 0.53% above Arizona avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.53% above avgNationally 2.77%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 6 Month
$0
3.55% ▲ 0.43% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.43% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.55%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
6 Month Term Certificate
$500
3.51% ▲ 0.39% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.39% above avgNationally 2.77%
Details

Balance: under $50,000; Penalties may be imposed for early withdrawal; Dividends calculated daily, paid quarterly

Rate History
1 change since Sep 14, 2026 · 3.72% → 3.51% ▼ 0.21 pts · high 3.72% / low 3.51%
3.01%3.62%4.22%Sep 14, 2026: 3.72% APYOct 9, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.51%▼ from 3.72%
  • Sep 14, 20263.72%first recorded
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Certificate
$0
3.51% ▲ 0.39% above Arizona avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.39% above avgNationally 2.77%
Details

Business Certificate; Dividend Rate 3.45%; Early withdrawal penalty: 60 days' dividends (term 6 months or less); Effective October 5, 2026

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026

Superior 12 Month CD Rates

Arizona 12 Month CD Average3.38% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
12 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.63% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 2.63% below avgNationally 2.99%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
12 Month Standard CD
$1,000
0.75% ▼ 2.63% below Arizona avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 2.63% below avgNationally 2.99%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
12-Month LifeStage Certificate
$500
4.50% ▲ 1.12% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 1.12% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month Share Certificate
$0
4.45% ▲ 1.07% above Arizona avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 1.07% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 14, 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% ▲ 0.97% above Arizona avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12 Month Business CD
$500
4.30% ▲ 0.92% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details

APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30% ▲ 0.92% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 14, 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
$0
4.30% ▲ 0.92% above Arizona avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Rate History
1 change since Sep 27, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 27, 2026: 4.00% APYOct 6, 2026: 4.30% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.30%▲ from 4.00%
  • Sep 27, 20264.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
12 Month Certificate of Deposit (CD)
$0
4.30% ▲ 0.92% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 24, 2026: 4.00% APYOct 10, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
12 Month Share Certificate
$0
4.25% ▲ 0.87% above Arizona avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Balance: $2,500 - $9,999.99; Renewal Rate: 4.000%; Renewal APY: 4.000%

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 14, 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% ▲ 0.87% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.87% above avgNationally 2.99%
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% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 14, 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
$0
4.25% ▲ 0.87% above Arizona avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.87% above avgNationally 2.99%
Details

Also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
1 change since Sep 27, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 27, 2026: 3.90% APYOct 6, 2026: 4.25% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 3.90%
  • Sep 27, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15% ▲ 0.77% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Business Certificate
$500
4.15% ▲ 0.77% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Certificate
$500
4.15% ▲ 0.77% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month IRA Certificate
$500
4.15% ▲ 0.77% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Youth Certificate
$500
4.15% ▲ 0.77% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month Certificate of Deposit
$0
4.12% ▲ 0.74% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.74% above avgNationally 2.99%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.72% above avgNationally 2.99%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Certificate
$500
4.08% ▲ 0.70% above Arizona avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1 Year GOAL Share Certificate
$25
4.07% ▲ 0.69% above Arizona avg
View
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.69% above avgNationally 2.99%
Details

Balance: $25-$1,000

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
12 Month IRA Share Certificate
$0
4.06% ▲ 0.68% above Arizona avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.68% above avgNationally 2.99%
Details

Required Amount: IRA (Pd Qtrly); Renewal Rate: 4.000%; Renewal APY: 4.060%

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 0.67% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.67% above avgNationally 2.99%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05% ▲ 0.67% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.67% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 14, 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% ▲ 0.67% above Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.67% above avgNationally 2.99%
Details

Minimum Opening Balance: $2,000; Minimum Balance to Earn APY: $2,000

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.64% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.64% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • 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
4.02% ▲ 0.64% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.64% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.62% above Arizona avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month CD
$1,000
4.00% ▲ 0.62% above Arizona avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
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 14, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1 Year IRA/HSA/CESA
$500
4.00% ▲ 0.62% above Arizona avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
Details

IRA certificate; Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 1, 2026: 4.00% APYOct 1, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year Term
$1,000
4.00% ▲ 0.62% above Arizona avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.91% ▲ 0.53% above Arizona avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 29, 2026: 3.91% APYSep 29, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.53% above Arizona avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 9 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 1 Year
$0
3.91% ▲ 0.53% above Arizona avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.53% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 18, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
12 Month Certificate
$0
3.87% ▲ 0.49% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month IRA Certificates
$0
3.86% ▲ 0.48% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.86% APY · checked 3 times
3.36%3.86%4.36%Oct 5, 2026: 3.86% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 12 Month
$0
3.86% ▲ 0.48% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.48% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.86% ▲ 0.07 pts · high 3.86% / low 3.79%
3.29%3.82%4.36%Sep 14, 2026: 3.79% APYSep 25, 2026: 3.81% APYOct 5, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - YOUth Boost 12-Month
$0
3.86% ▲ 0.48% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 13, 2026: 3.86% APYOct 13, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.85% ▲ 0.47% above Arizona avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.47% above avgNationally 2.99%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 29, 2026: 3.85% APYSep 29, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1 Year Certificate Accounts
$0
3.85% ▲ 0.47% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.47% above avgNationally 2.99%
Details

Min. Amount: $50,000

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1 Year Certificate
$1,000
3.80% ▲ 0.42% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.42% above avgNationally 2.99%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 Year Business Share Certificates
$0
3.80% ▲ 0.42% above Arizona avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.42% above avgNationally 2.99%
Details

Balance: $1,000

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1 Year Rookie Share Certificate
$0
3.80% ▲ 0.42% above Arizona avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.42% above avgNationally 2.99%
Details

Maximum Balance: $2,500

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Share Certificate
$1,000
3.80% ▲ 0.42% above Arizona avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 12 Month
$1,000
3.80% ▲ 0.42% above Arizona avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1 Year Certificate Accounts
$0
3.80% ▲ 0.42% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.42% above avgNationally 2.99%
Details

Min. Amount: $25,000

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
12 Month Certificate
$99,000
3.77% ▲ 0.39% above Arizona avg
View
▼
RateN/A
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.39% above avgNationally 2.99%
Details

Balance: $99,000 minimum; Certificate Account

Rate History
1 change since Sep 12, 2026 · 3.67% → 3.77% ▲ 0.10 pts · high 3.77% / low 3.67%
3.17%3.72%4.27%Sep 12, 2026: 3.67% APYOct 12, 2026: 3.77% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20263.77%▲ from 3.67%
  • Sep 12, 20263.67%first recorded
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
12 Month IRA Certificate Account
$0
3.77% ▲ 0.39% above Arizona avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.39% above avgNationally 2.99%
Details

Balance: $99,000 and over

Rate History
No change since Sep 12, 2026 · 3.77% APY · checked 5 times
3.27%3.77%4.27%Sep 12, 2026: 3.77% APYSep 12, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
12 Month CD - Relationship
$0
3.76% ▲ 0.38% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.38% above avgNationally 2.99%
Details

Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12 Month Term Share Certificates
$0
3.75% ▲ 0.37% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.50% APYOct 12, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20263.75%▲ from 3.50%
  • Oct 4, 20263.50%▼ from 4.00%
  • Sep 12, 20264.00%first recorded

Superior 18 Month CD Rates

Arizona 18 Month CD Average3.27% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.52% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 2.52% below avgNationally 2.88%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
18 Month Standard CD
$1,000
0.75% ▼ 2.52% below Arizona avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 2.52% below avgNationally 2.88%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18-Month Special Certificate
$500
4.50% ▲ 1.23% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month Share Certificate
$0
4.35% ▲ 1.08% above Arizona avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Sep 14, 2026: 4.25% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 14, 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%
18 Month Certificate of Deposit (CD)
$0
4.35% ▲ 1.08% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 10, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month Term Share Certificates
$0
4.25% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.50% APYOct 4, 2026: 4.00% APYOct 12, 2026: 4.25% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%▼ from 4.50%
  • Sep 12, 20264.50%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20% ▲ 0.93% above Arizona avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.93% above avgNationally 2.88%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 0.88% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.88% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15% ▲ 0.88% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 14, 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% ▲ 0.83% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.83% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month Term Share Certificates
$0
4.00% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.00%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.73% above Arizona avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.73% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.68% above Arizona avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.68% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.68% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.68% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90% ▲ 0.63% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.63% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 18, 2026: 3.95% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.90%▼ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.63% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.63% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 14, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
18 Month Certificate
$0
3.87% ▲ 0.60% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.43% above Arizona avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.43% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 18 Months
$500
3.65% ▲ 0.38% above Arizona avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.38% above avgNationally 2.88%
Details

Share Certificates ($500 Minimum)

Rate History
No change since Sep 16, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 16, 2026: 3.65% APYSep 16, 2026Oct 14, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Promotional Term Share Certificates - 18 Months
$1,000
3.60% ▲ 0.33% above Arizona avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.33% above avgNationally 2.88%
Details

Balance: $1,000 minimum - $150,000 maximum; Limited Time Offer

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
18 Month IRA CD
$0
3.60% ▲ 0.33% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.33% above avgNationally 2.88%
Details

IRA Certificate of Deposit; APY accurate as of 10/02/2026; not eligible for Relationship Rate

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate 18-Month
$2,000
3.55% ▲ 0.28% above Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.28% above avgNationally 2.88%
Details

Minimum Opening Balance: $2,000; Minimum Balance to Earn APY: $2,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18-Month Certificate
$500
3.50% ▲ 0.23% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Month Share Certificate
$0
3.50% ▲ 0.23% above Arizona avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.23% above avgNationally 2.88%
Details

Balance: $10,000 or Greater

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Month Share Certificate
$0
3.45% ▲ 0.18% above Arizona avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.18% above avgNationally 2.88%
Details

Balance: $500-$9,999

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18-Month Certificate
$5,000
3.25% ▼ 0.02% below Arizona avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▼ 0.02% below avgNationally 2.88%
Details

Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month TSC or IRA TSC
$10,000
3.20% ▼ 0.07% below Arizona avg
View
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.07% below avgNationally 2.88%
Details

Relationship Pricing; requires 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 7 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month TSC or IRA TSC
$500
3.15% ▼ 0.12% below Arizona avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.12% below avgNationally 2.88%
Details

Relationship Pricing; requires 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 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificates - 18 Month TSC or IRA TSC
$500
3.10% ▼ 0.17% below Arizona avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.17% below avgNationally 2.88%
Details

Non-Relationship Pricing; Compounding Period: Monthly; Effective July 1, 2026

Rate History
No change since Oct 14, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 14, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Month Certificate
$1,000
3.00% ▼ 0.27% below Arizona avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▼ 0.27% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 18-Month Term
$1,000
2.75% ▼ 0.52% below Arizona avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 14, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 2.84%
18 Month Term CD
$1,000
2.61% ▼ 0.66% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▼ 0.66% below avgNationally 2.88%
Details

Compounded Monthly

Rate History
No change since Sep 16, 2026 · 2.61% APY · checked 5 times
2.11%2.61%3.11%Sep 16, 2026: 2.61% APYSep 16, 2026Oct 14, 2026
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
18 Month Certificate
$1,000
1.00% ▼ 2.27% below Arizona avg
View
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▼ 2.27% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Share Certificate - 18 Months
$0
0.40% ▼ 2.87% below Arizona avg
View
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▼ 2.87% below avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 21, 2026: 0.40% APYSep 21, 2026Oct 14, 2026

Superior 24 Month CD Rates

Arizona 24 Month CD Average3.14% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
24 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.39% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 2.39% below avgNationally 2.88%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
24 Month Standard CD
$1,000
0.75% ▼ 2.39% below Arizona avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 2.39% below avgNationally 2.88%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2 Year Business Certificate
$0
4.60% ▲ 1.46% above Arizona avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.60% ▲ 0.55 pts · high 4.60% / low 4.05%
3.50%4.32%5.15%Sep 27, 2026: 4.05% APYOct 6, 2026: 4.60% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.60%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2 Year Share Certificate
$0
4.55% ▲ 1.41% above Arizona avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.41% above avgNationally 2.88%
Details

Also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
1 change since Sep 27, 2026 · 3.95% → 4.55% ▲ 0.60 pts · high 4.55% / low 3.95%
3.35%4.25%5.15%Sep 27, 2026: 3.95% APYOct 6, 2026: 4.55% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.55%▲ from 3.95%
  • Sep 27, 20263.95%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50% ▲ 1.36% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 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%
24 Month Certificate of Deposit (CD)
$0
4.40% ▲ 1.26% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 24, 2026: 4.25% APYOct 10, 2026: 4.40% APYSep 24, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Share Certificate
$0
4.30% ▲ 1.16% above Arizona avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.16% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month Term Share Certificates
$0
4.25% ▲ 1.11% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.50% APYOct 4, 2026: 4.00% APYOct 12, 2026: 4.25% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%▼ from 4.50%
  • Sep 12, 20264.50%first recorded
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
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Terms: See Terms

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 14, 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
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 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
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.98% above avgNationally 2.88%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 0.96% above Arizona avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 0.91% above Arizona avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.02% ▲ 0.88% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • 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
4.02% ▲ 0.88% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.88% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
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
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.00%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
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
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 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
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
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
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.81% above avgNationally 2.88%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
24 Month Certificate
$0
3.92% ▲ 0.78% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
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
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.76% above avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.86% ▲ 0.72% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.72% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
24 Month CD - Relationship
$0
3.86% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.72% above avgNationally 2.88%
Details

Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 5 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
3.82% ▲ 0.68% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
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
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
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
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 14, 2026
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificate - 2-Year
$0
3.80% ▲ 0.66% above Arizona avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.88%
Details

Balance: $25,000 & Over; Compounded: Monthly; *APY = Annual Percentage Yield

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 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
24 Month Jump Up CD - Relationship
$0
3.76% ▲ 0.62% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.62% above avgNationally 2.88%
Details

Relationship Rate APY; requires Relationship Rates qualifying conditions; Jump Up CD

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
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
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 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
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.88%
Details

IRA certificate; Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 1, 2026: 3.75% APYOct 1, 2026Oct 14, 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
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.56% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 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
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.56% above avgNationally 2.88%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 14, 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
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.52% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 14, 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
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.51% above avgNationally 2.88%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 14, 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
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2 Year Certificate Accounts
$0
3.60% ▲ 0.46% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Min. Amount: $50,000

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 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
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Business Certificate; Dividend Rate 3.54%; Early withdrawal penalty: 180 days' dividends (24 to less than 36 months); Effective October 5, 2026

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 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
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Consumer Certificate of Deposit; APY accurate as of 10/02/2026; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
Business 24 Month CD
$0
3.60% ▲ 0.46% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Consumer Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
24 Month Certificate
$99,000
3.56% ▲ 0.42% above Arizona avg
View
▼
RateN/A
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Balance: $99,000 minimum; Certificate Account

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 14, 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
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Balance: $99,000 and over

Rate History
No change since Sep 12, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 12, 2026: 3.56% APYSep 12, 2026Oct 14, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 24 Months
$500
3.55% ▲ 0.41% above Arizona avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Share Certificates ($500 Minimum)

Rate History
No change since Sep 16, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 16, 2026: 3.55% APYSep 16, 2026Oct 14, 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
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Minimum Opening Balance: $2,000; Minimum Balance to Earn APY: $2,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2 Year Certificate Accounts
$0
3.55% ▲ 0.41% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Min. Amount: $25,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
24 Month Certificate
$50,000
3.51% ▲ 0.37% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.37% above avgNationally 2.88%
Details

Balance: $50,000 minimum; Certificate Account

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 14, 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
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.37% above avgNationally 2.88%
Details

Balance: $50,000 - $98,999.99

Rate History
No change since Sep 12, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 12, 2026: 3.51% APYSep 12, 2026Oct 14, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
24-Month Certificate
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month Business Certificate
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month Certificate
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month IRA Certificate
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026

Superior 36 Month CD Rates

Arizona 36 Month CD Average2.98% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
36 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.23% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.23% below avgNationally 2.81%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
36 Month Standard CD
$1,000
0.75% ▼ 2.23% below Arizona avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.23% below avgNationally 2.81%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
3 Year Business Certificate
$0
4.65% ▲ 1.67% above Arizona avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.67% above avgNationally 2.81%
Details

Rate History
1 change since Sep 27, 2026 · 4.10% → 4.65% ▲ 0.55 pts · high 4.65% / low 4.10%
3.55%4.38%5.20%Sep 27, 2026: 4.10% APYOct 6, 2026: 4.65% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.65%▲ from 4.10%
  • Sep 27, 20264.10%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
3 Year Share Certificate
$0
4.60% ▲ 1.62% above Arizona avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.62% above avgNationally 2.81%
Details

Also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
1 change since Sep 27, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 27, 2026: 4.00% APYOct 6, 2026: 4.60% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.60%▲ from 4.00%
  • Sep 27, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month Share Certificate
$0
4.25% ▲ 1.27% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15% ▲ 1.17% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.17% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
36 Month Certificate of Deposit
$0
4.12% ▲ 1.14% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 1.14% above avgNationally 2.81%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.12% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.12% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.12% above Arizona avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.07% above Arizona avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.07% above avgNationally 2.81%
Details

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% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.04% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 1.04% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • 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
4.02% ▲ 1.04% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 1.04% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month Term Share Certificates
$0
4.00% ▲ 1.02% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 1.02% above avgNationally 2.81%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00% ▲ 1.02% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.02% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.02% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.02% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 14, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
36 Month Certificate
$0
3.97% ▲ 0.99% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 7 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month CD - Relationship
$0
3.96% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.98% above avgNationally 2.81%
Details

Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 5 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95% ▲ 0.97% above Arizona avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.97% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 0.97% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.97% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90% ▲ 0.92% above Arizona avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.92% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90% ▲ 0.92% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
3.86% ▲ 0.88% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.88% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 36 Month
$0
3.86% ▲ 0.88% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.88% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month Jump Up CD - Relationship
$0
3.81% ▲ 0.83% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.83% above avgNationally 2.81%
Details

Relationship Rate APY; requires Relationship Rates qualifying conditions; Jump Up CD

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 5 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.80% ▲ 0.82% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.82% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year IRA/HSA/CESA
$500
3.80% ▲ 0.82% above Arizona avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.82% above avgNationally 2.81%
Details

IRA certificate; Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 1, 2026: 3.80% APYOct 1, 2026Oct 14, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month Term Share Certificates
$0
3.75% ▲ 0.77% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.77% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.75% ▲ 0.77% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.77% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month IRA CD
$0
3.75% ▲ 0.77% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.77% above avgNationally 2.81%
Details

IRA Certificate of Deposit; APY accurate as of 10/02/2026; not eligible for Relationship Rate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.70% ▲ 0.72% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.72% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month CD
$0
3.70% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.72% above avgNationally 2.81%
Details

Consumer Certificate of Deposit; APY accurate as of 10/02/2026; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
Business 36 Month CD
$0
3.70% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.72% above avgNationally 2.81%
Details

Consumer Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Year Certificate
$1,000
3.65% ▲ 0.67% above Arizona avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.67% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 14, 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%
3 Year Certificate Accounts
$0
3.65% ▲ 0.67% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.67% above avgNationally 2.81%
Details

Min. Amount: $50,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Year Certificate
$0
3.65% ▲ 0.67% above Arizona avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.67% above avgNationally 2.81%
Details

Business Certificate; Dividend Rate 3.59%; Early withdrawal penalty: 365 days' dividends (36 months or more); Effective October 5, 2026

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year Certificate Accounts
$0
3.60% ▲ 0.62% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.62% above avgNationally 2.81%
Details

Min. Amount: $500

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Year Certificate Accounts
$0
3.55% ▲ 0.57% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Min. Amount: $10,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month Jump Up CD
$0
3.55% ▲ 0.57% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Jump Up CD; APY accurate as of 10/02/2026; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
Business 36 Month Jump Up CD
$0
3.55% ▲ 0.57% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Consumer Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
36 Month Share Certificate
$0
3.50% ▲ 0.52% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Balance: $10,000 - and over; Renewal Rate: 3.500%; Renewal APY: 3.500%

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 14, 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%
36 Month Term Share Certificates / IRA Certificates (Jumbo)
$75,000
3.50% ▲ 0.52% above Arizona avg
View
▼
Rate3.45%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Jumbo; Penalties may apply for early withdrawal

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
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% ▲ 0.52% above Arizona avg
View
▼
Rate3.45%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
36 Month Certificate of Deposit (CD)
$0
3.50% ▲ 0.52% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
3 Year Share Certificate
$500
3.40% ▲ 0.42% above Arizona avg
View
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.42% above avgNationally 2.81%
Details

A minimum of $500 is required to establish a share certificate

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 14, 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% ▲ 0.37% above Arizona avg
View
▼
Rate3.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.37% above avgNationally 2.81%
Details

Relationship Pricing; requires 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 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
36 Month Certificate
$99,000
3.30% ▲ 0.32% above Arizona avg
View
▼
RateN/A
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.32% above avgNationally 2.81%
Details

Balance: $99,000 minimum; Certificate Account

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 14, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
36 Month IRA Certificate Account
$0
3.30% ▲ 0.32% above Arizona avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.32% above avgNationally 2.81%
Details

Balance: $99,000 and over

Rate History
No change since Sep 12, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 12, 2026: 3.30% APYSep 12, 2026Oct 14, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
36 Month TSC or IRA TSC
$500
3.30% ▲ 0.32% above Arizona avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.32% above avgNationally 2.81%
Details

Relationship Pricing; requires 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 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
36 Month Certificate
$50,000
3.25% ▲ 0.27% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Balance: $50,000 minimum; Certificate Account

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 14, 2026

Superior 48 Month CD Rates

Arizona 48 Month CD Average2.67% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 1.92% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
48 Month Standard CD
$1,000
0.75% ▼ 1.92% below Arizona avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
4 Year Business Certificate
$0
4.75% ▲ 2.08% above Arizona avg
View
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 2.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 27, 2026 · 4.10% → 4.75% ▲ 0.65 pts · high 4.75% / low 4.10%
3.45%4.43%5.40%Sep 27, 2026: 4.10% APYOct 6, 2026: 4.75% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.75%▲ from 4.10%
  • Sep 27, 20264.10%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
4 Year Share Certificate
$0
4.65% ▲ 1.98% above Arizona avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.98% above avgNationally 2.80%
Details

Also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
1 change since Sep 27, 2026 · 4.00% → 4.65% ▲ 0.65 pts · high 4.65% / low 4.00%
3.35%4.33%5.30%Sep 27, 2026: 4.00% APYOct 6, 2026: 4.65% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.65%▲ from 4.00%
  • Sep 27, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Share Certificate
$0
4.25% ▲ 1.58% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.58% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
48 Month Certificate
$0
4.02% ▲ 1.35% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.35% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 7 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month Term Share Certificates
$0
4.00% ▲ 1.33% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.33% above avgNationally 2.80%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.30% above Arizona avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.30% above Arizona avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81% ▲ 1.14% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81% ▲ 1.14% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month Term Share Certificates
$0
3.75% ▲ 1.08% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4 Year Certificate
$1,000
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4 Year Certificate
$0
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Business Certificate; Dividend Rate 3.69%; Early withdrawal penalty: 365 days' dividends (36 months or more); Effective October 5, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
48 Month Term Share Certificates / IRA Certificates (Jumbo)
$75,000
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.70%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Jumbo; Penalties may apply for early withdrawal

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 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% ▲ 1.08% above Arizona avg
View
▼
Rate3.70%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 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% ▲ 0.83% above Arizona avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Penalties may apply for early withdrawal.

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Term Share Certificates / IRA Certificates (Regular) - 48 months
$1,000
3.50% ▲ 0.83% above Arizona avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Year Share Certificate
$500
3.45% ▲ 0.78% above Arizona avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 0.78% above avgNationally 2.80%
Details

A minimum of $500 is required to establish a share certificate

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 14, 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% ▲ 0.73% above Arizona avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.73% above avgNationally 2.80%
Details

Relationship Pricing; requires 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 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month TSC or IRA TSC
$500
3.35% ▲ 0.68% above Arizona avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.68% above avgNationally 2.80%
Details

Relationship Pricing; requires 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 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificates - 48 Month TSC or IRA TSC
$500
3.30% ▲ 0.63% above Arizona avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.63% above avgNationally 2.80%
Details

Non-Relationship Pricing; Compounding Period: Monthly; Effective July 1, 2026

Rate History
No change since Oct 14, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 14, 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% ▲ 0.08% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 12, 2026: 3.00% APYOct 4, 2026: 2.75% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20262.75%▼ from 3.00%
  • Sep 12, 20263.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
48 Month Certificate of Deposit (CD)
$0
2.75% ▲ 0.08% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificate - 4-Year
$0
2.56% ▼ 0.11% below Arizona avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 0.11% below avgNationally 2.80%
Details

Balance: $25,000 & Over; Compounded: Monthly; *APY = Annual Percentage Yield

Rate History
No change since Sep 14, 2026 · 2.56% APY · checked 8 times
2.06%2.56%3.06%Sep 14, 2026: 2.56% APYSep 14, 2026Oct 14, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
48 Month Certificate
$1,000
2.50% ▼ 0.17% below Arizona avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▼ 0.17% below avgNationally 2.80%
Details

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 14, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
48-Month Certificate
$500
2.50% ▼ 0.17% below Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▼ 0.17% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Month Term Share Certificates
$1,000
2.50% ▼ 0.17% below Arizona avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▼ 0.17% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 2.84%
48 Month Term CD
$1,000
2.10% ▼ 0.57% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▼ 0.57% below avgNationally 2.80%
Details

Compounded Monthly

Rate History
No change since Sep 16, 2026 · 2.10% APY · checked 5 times
1.60%2.10%2.60%Sep 16, 2026: 2.10% APYSep 16, 2026Oct 14, 2026
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4 Year Term Certificate
$500
2.02% ▼ 0.65% below Arizona avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▼ 0.65% below avgNationally 2.80%
Details

over $50,000; Balance: over $50,000; Dividends calculated daily, paid quarterly

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4 Year IRA Term Certificate
$500
1.51% ▼ 1.16% below Arizona avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▼ 1.16% below avgNationally 2.80%
Details

Dividends calculated daily, paid quarterly

Rate History
No change since Sep 21, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 21, 2026: 1.51% APYSep 21, 2026Oct 14, 2026
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4 Year Term Certificate
$500
1.51% ▼ 1.16% below Arizona avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▼ 1.16% below avgNationally 2.80%
Details

Balance: under $50,000; Penalties may be imposed for early withdrawal; Dividends calculated daily, paid quarterly

Rate History
1 change since Sep 14, 2026 · 2.02% → 1.51% ▼ 0.51 pts · high 2.02% / low 1.51%
1.00%1.77%2.53%Sep 14, 2026: 2.02% APYOct 9, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20261.51%▼ from 2.02%
  • Sep 14, 20262.02%first recorded
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 48 Month
$100,000
1.05% ▼ 1.62% below Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.62% below avgNationally 2.80%
Details

Minimum Deposit: $100,000; Withdrawal made when account has not matured equals 90-180 days of dividends

Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 5 times
0.55%1.05%1.55%Sep 30, 2026: 1.05% APYSep 30, 2026Oct 14, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificates - 48 Months
$0
1.05% ▼ 1.62% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.62% below avgNationally 2.80%
Details

Balance: $100,000

Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 5 times
0.55%1.05%1.55%Sep 30, 2026: 1.05% APYSep 30, 2026Oct 14, 2026
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
48 Month Certificate
$1,000
1.00% ▼ 1.67% below Arizona avg
View
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▼ 1.67% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificate - 48 Month
$1,000
1.00% ▼ 1.67% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.67% below avgNationally 2.80%
Details

Minimum Deposit: $1,000; Withdrawal made when account has not matured equals 90-180 days of dividends

Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 30, 2026: 1.00% APYSep 30, 2026Oct 14, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Certificates - 48 Months
$0
1.00% ▼ 1.67% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.67% below avgNationally 2.80%
Details

Balance: $1,000 - $99,999

Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 30, 2026: 1.00% APYSep 30, 2026Oct 14, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 48 Month
$100,000
1.00% ▼ 1.67% below Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.67% below avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 30, 2026: 1.00% APYSep 30, 2026Oct 14, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 48 Month
$1,000
0.95% ▼ 1.72% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.72% below avgNationally 2.80%
Details

Balance: $1,000 - $99,999

Rate History
No change since Sep 30, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Sep 30, 2026: 0.95% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Jumbo CD - 4-Year Jumbo
$100,000
0.50% ▼ 2.17% below Arizona avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.17% below avgNationally 2.80%
Details

Jumbo CDs

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 4-Year Term
$1,000
0.50% ▼ 2.17% below Arizona avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.17% below avgNationally 2.80%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
RampUp CD - 4-Year RampUp
$50,000
0.25% ▼ 2.42% below Arizona avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.42% below avgNationally 2.80%
Details

Ramp Up CDs

Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 14, 2026

Superior 60 Month CD Rates

Arizona 60 Month CD Average3.04% APYNational 2.91%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.29% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.29% below avgNationally 2.91%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
351 W Main St, Superior, AZ 85173
60 Month Standard CD
$1,000
0.75% ▼ 2.29% below Arizona avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.29% below avgNationally 2.91%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
5 Year Business Certificate
$0
4.80% ▲ 1.76% above Arizona avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 1.76% above avgNationally 2.91%
Details

Rate History
1 change since Sep 27, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
3.50%4.48%5.45%Sep 27, 2026: 4.15% APYOct 6, 2026: 4.80% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.80%▲ from 4.15%
  • Sep 27, 20264.15%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
5 Year Share Certificate
$0
4.70% ▲ 1.66% above Arizona avg
View
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 1.66% above avgNationally 2.91%
Details

Also applies to Traditional IRA Certificates and Roth IRA Certificates

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.70% ▲ 0.65 pts · high 4.70% / low 4.05%
3.40%4.38%5.35%Sep 27, 2026: 4.05% APYOct 6, 2026: 4.70% APYSep 27, 2026Oct 14, 2026
  • Oct 6, 20264.70%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50% ▲ 1.46% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.46% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 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% ▲ 1.46% above Arizona avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.46% above avgNationally 2.91%
Details

Dividends credited monthly; early-withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Regular Certificate - 60 Months
$500
4.50% ▲ 1.46% above Arizona avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.46% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate
$500
4.35% ▲ 1.31% above Arizona avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.31% above avgNationally 2.91%
Details

Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month

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 14, 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% ▲ 1.26% above Arizona avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.26% above avgNationally 2.91%
Details

Terms: See Terms

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 14, 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% ▲ 1.21% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.21% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 14, 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% ▲ 1.08% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 1.08% above avgNationally 2.91%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.06% above Arizona avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 1.06% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
60 Month Certificate
$0
4.07% ▲ 1.03% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 1.03% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
60 Month CD - Relationship
$0
4.06% ▲ 1.02% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 1.02% above avgNationally 2.91%
Details

Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.01% above Arizona avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 1.01% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month Term Share Certificates
$0
4.00% ▲ 0.96% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.96% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.96% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00% ▲ 0.96% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.96% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 0.96% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.95% ▲ 0.91% above Arizona avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.91% above avgNationally 2.91%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95% ▲ 0.91% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.91% above avgNationally 2.91%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 0.86% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.90% ▲ 0.86% above Arizona avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$1,000
3.90% ▲ 0.86% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
5 Year IRA/HSA/CESA
$500
3.90% ▲ 0.86% above Arizona avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
Details

IRA certificate; Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 1, 2026: 3.90% APYOct 1, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 0.81% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.81% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
5 Year Certificate
$0
3.85% ▲ 0.81% above Arizona avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.81% above avgNationally 2.91%
Details

Business Certificate; Dividend Rate 3.78%; Early withdrawal penalty: 365 days' dividends (36 months or more); Effective October 5, 2026

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month IRA Certificates
$0
3.84% ▲ 0.80% above Arizona avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.80% above avgNationally 2.91%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 60 Month
$0
3.84% ▲ 0.80% above Arizona avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.80% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
60 Month CD
$0
3.80% ▲ 0.76% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.76% above avgNationally 2.91%
Details

Consumer Certificate of Deposit; APY accurate as of 10/02/2026; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
Business 60 Month CD
$0
3.80% ▲ 0.76% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.76% above avgNationally 2.91%
Details

Consumer Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month Term Share Certificates
$0
3.75% ▲ 0.71% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
5 Year Certificate Accounts
$0
3.75% ▲ 0.71% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
Details

Min. Amount: $50,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5 Year Certificate
$1,000
3.70% ▲ 0.66% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.66% above avgNationally 2.91%
Details

Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
5 Year Certificate Accounts
$0
3.70% ▲ 0.66% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.66% above avgNationally 2.91%
Details

Min. Amount: $25,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
5 Year Certificate Accounts
$0
3.65% ▲ 0.61% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.61% above avgNationally 2.91%
Details

Min. Amount: $10,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
5 Year Certificate Accounts
$0
3.60% ▲ 0.56% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.56% above avgNationally 2.91%
Details

Min. Amount: $500

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
5 Year Share Certificate
$500
3.50% ▲ 0.46% above Arizona avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.46% above avgNationally 2.91%
Details

A minimum of $500 is required to establish a share certificate

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 14, 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%
60 Month Certificate Accounts
$0
3.30% ▲ 0.26% above Arizona avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.26% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
60 Month TSC or IRA TSC
$10,000
3.30% ▲ 0.26% above Arizona avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.26% above avgNationally 2.91%
Details

Relationship Pricing; requires 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 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60 Month Certificate Accounts
$0
3.25% ▲ 0.21% above Arizona avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
60 Month Business Certificate
$500
3.25% ▲ 0.21% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
60 Month Certificate
$500
3.25% ▲ 0.21% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
60 Month IRA Certificate
$500
3.25% ▲ 0.21% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
60 Month TSC or IRA TSC
$500
3.25% ▲ 0.21% above Arizona avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

Relationship Pricing; requires Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificates - 60 Month TSC or IRA TSC
$500
3.20% ▲ 0.16% above Arizona avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.16% above avgNationally 2.91%
Details

Non-Relationship Pricing; Compounding Period: Monthly; Effective July 1, 2026

Rate History
No change since Oct 14, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 14, 2026: 3.20% APYOct 14, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.00% ▼ 0.04% below Arizona avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.04% below avgNationally 2.91%
Details

Retirement Accounts; Dividends paid quarterly

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60-Month Share Certificate
$2,000
2.85% ▼ 0.19% below Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▼ 0.19% below avgNationally 2.91%
Details

This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty.

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 14, 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 Superior, Arizona Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
BMO Bank National Association
12 Month IRA Certificate of Deposit
A+ 5.0 ★ TX: 3.54%
Min: $0
0.75%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Vio Bank
24 Month Certificate of Deposit (CD)
A+ 5.0 ★ TX: 4.93%
Min: $0
4.40%
Flagstar Bank, National Association
12 Month Business CD
D 3.3 ★ TX: 35.11%
Min: $500
4.30%
CIT Bank
Term CD - 1-Year Term
A 5.0 ★ TX: 7.72%
Min: $1,000
4.00%
CU Top 5 Credit Union Rates
TUCSON
5 Year Business Certificate
A+ 5.0 ★ TX: 5.69%
Min: $0
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 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Superior, AZ CD Rate Trends

Compare local Superior, 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
3.378%
▲ 0.026 vs 7 days ago

Arizona 12-month CD rates rose 0.026 points over the past 7 days to 3.378% APY.

6-Month CD AZ Avg
3.121%
▲ 0.006 vs 7 days ago

Arizona 6-month CD rates rose 0.006 points over the past 7 days to 3.121% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

AZ CD Rate Forecast, Next 12 Months

Where are Arizona CD rates headed through October 2027?

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

AZ 12-Month Avg APY
3.378%
6-Month Forecast
3.378%
Range: 3.18%, 3.53%
12-Month Forecast
3.628%
Range: 3.43%, 3.78%

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 1.00% 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 2.343% $117.14 $234.28 $585.70 $1,171.40
6-Month CD 3.121% $156.07 $312.14 $780.35 $1,560.70
12-Month CD 3.378% $168.92 $337.83 $844.58 $1,689.15
18-Month CD 3.265% $163.26 $326.51 $816.28 $1,632.55
24-Month CD 3.140% $157.01 $314.02 $785.05 $1,570.10
36-Month CD 2.977% $148.86 $297.71 $744.28 $1,488.55
48-Month CD 2.669% $133.43 $266.85 $667.13 $1,334.25
60-Month CD 3.041% $152.07 $304.14 $760.35 $1,520.70
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Superior, 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 2.343% $117.14
2 6-Month CD $5,000 3.121% $156.07
3 12-Month CD $5,000 3.378% $168.92
4 24-Month CD $5,000 3.140% $157.01
5 36-Month CD $5,000 2.977% $148.86
Total ($25,000 invested) $25,000 2.992% blended $748.00/yr

Ladder example uses equal $5,000 rungs and Arizona average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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883
CD Rates
Tracked in Superior, Arizona
7 Banks 36 Credit Unions

About Our Superior, Arizona CD Rate Database

MonitorBankRates tracks 883 CD rates from 7 banks and 36 credit unions with locations in Superior, 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: BMO Bank National Association offers a CD at 0.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Superior, Arizona.

How to Find the Best CD Rates in Superior, Arizona

What to compare when shopping for a CD in Superior, Arizona

To find the best APYs in Superior, Arizona, start with credit unions and online-only banks: Superior, Arizona has 36 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 Superior, 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 Superior, Arizona: 43 institutions here report CD rates

Consider an Alternative If…

Superior, Arizona Financial Snapshot

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

Population 65+
34.8%
National avg: 17.3%
Median Individual Earnings
$40,000
National avg: $47,340
Poverty Rate
16.3%
National avg: 11.1%
Unemployment Rate
6.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$135/yr
At AZ 12-mo avg 3.378% APY

34.8% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s AZ 12-month CD average of 3.378%, saving 10% of the local median salary ($4,000/year) and putting it in a CD would earn an additional $135 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 Superior, 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 Superior, 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 Superior, 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 Superior, Arizona as everywhere in the U.S.

Choosing a CD Term in Superior, 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 Superior, Arizona savers easier access to their funds. For example, BMO Bank National Association is offering its 6 Month IRA Certificate of Deposit at 0.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, BMO Bank National Association is offering its 60 Month IRA Certificate of Deposit at 0.75% 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 Superior, 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 Superior, 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 Superior, 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 Superior, 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 Superior, Arizona

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

Are CD rates in Superior, Arizona FDIC insured?

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

Here are recent top rates found for this area:
  • BMO Bank National Association: 0.75% APY (12 Month IRA Certificate of Deposit)
  • 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)
  • Vio Bank: 4.40% APY (24 Month Certificate of Deposit (CD))
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Idaho Central Credit Union: 4.30% APY (60 Month Promo CD)
Rates reflect recent verified offers available in Superior, Arizona. Last Updated: October 14, 2026

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Superior, Arizona CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Superior, Arizona. Averages shown use the Arizona state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Superior, Arizona

Superior, Arizona CD Calculator

At today’s AZ top rate of 0.75% APY, a $10,000 deposit earns $75 in the first year. Enter your amount to see your exact return.

Superior, Arizona CD Ladder

AZ CD rates currently range from 2.343% (3-month) to 2.977% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Superior, Arizona CD at 0.75% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Arizona’s average 12-month CD is 3.378% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Superior, 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 Superior, 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 Superior, Arizona. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AZ.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026

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