Window Rock, Arizona CD rates range from 0.01% to 4.80% APY, verified by MonitorBankRates as of October 19, 2026. Current Window Rock, Arizona CD rates include Wells FargoWells FargoHighway 264 And Route 12, Window Rock, AZ 86515A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD - Relationship at 1.51% APY, TUCSONTUCSONA+5.0 ★Texas Ratio: 5.69%Real return: +2.00%APY minus CPI (February 2026) offering 5 Year Business Certificate at 4.80% APY, Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, and America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.33%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate Account at 4.50% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Window Rock has 6 local institutions in our database, with CD rates as high as 1.51% APY from Wells Fargo at Highway 264 And Route 12, Window Rock, AZ 86515. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Arizona area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 19, 2026
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Balance: $10,000 - up; New Certificates
Loyalty Program Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits
Loyalty Program Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Loyalty Program Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Maturity
Loyalty Program Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Base Interest Rate and Base APY (Consumer Rate Sheet)
Balance: $10,000 - up; Renewals
CD Term (Minimum Balance $500); Accurate as of 09/30/2026
$25,000 min. deposit
$50,000 min. deposit
$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026
Dividend Rate; $25,000 min. deposit
Share Certificate Rates; Effective Date: 02/04/2026; Rates for California
Minimum daily balance of $1,000 required to obtain disclosed APY; early withdrawal penalty applies
Effective Date: 02/04/2026
Balance: $1,000.00 - $99,999.99
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Balance: $100,000+; Regular or IRA certificate
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate
Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Balance: $90,000 and over; Renewal Term: 3 Months
Balance: $100,000 or more; $1,000 opening deposit required
Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Balance: $1,000 - $89,999; Renewal Term: 3 Months
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: up to $100,000; Rates for ZIP code 60603
Balance: $25,000.00 and above; Standard Rates
Balance: $1,000.00 - $24,999.99; Standard Rates
Balance: $1.00 - $999.99; Standard Rates
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
6 Month Liquid CD - no penalty; Minimum balance to obtain APY: $0.01
Balance: $2,500 - $9,999.99; New Certificates
APY accurate as of 10/19/2026; Maximum deposit is $10 million; Not available for public units; Limited-time offer
Short-Term Growth; Maximum deposit $10 million; not available for public units or Business CDs
APY as high as 4.05%; Rate type: Fixed; Terms available from six months to five years; Contact us to open
Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply
Balance: $50,000 tier
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Balance: $2,500 - $9,999.99; Renewals
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
Effective Date: Monday, October 19th, 2026
Balance: $50,000 - $99,999; Dividends paid quarterly; Liquid Certificate available for 6-month term
Balance: $100,000+; Regular or IRA certificate
Balance: $25,000 tier
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Maturity
Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information
Balance: $15,000 - $29,999; Dividends paid quarterly; Liquid Certificate available for 6-month term
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate
Minimum balance tier: $100,000
Rates as of September 23, 2026
Balance: $10,000 tier
Balance: $10,000 or Greater
Minimum of $1,000 to open your account
Balance: over $50,000
Balance: $1,000 - $4,999; Dividends paid quarterly; Liquid Certificate available for 6-month term
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate
Minimum balance tier: $50,000
Traditional/Roth IRA Certificates.
Balance: $500 tier
Jumbo Savings Certificate; today's featured rate; fixed for the term; dividends compounded monthly
Balance: $500-$9,999
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Ages: 0-23; Available to qualifying members ages 0-23. Earns an additional 0.25% APY over the regular 12-Month Certificate rate, up to a maximum balance of $2,000.; Rates as of September 23, 2026
APY accurate as of 10/19/2026; Maximum deposit is $10 million; Not available for public units; Limited-time offer
Top Rate; Maximum deposit $10 million; not available for public units or Business CDs
Balance: $2,500 - $9,999.99; New Certificates
Rates as of September 23, 2026
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Effective Date: Monday, October 19th, 2026
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Balance: $25-$1,000; A minimum of $25 is required to establish this share certificate
New Certificates; IRA, dividends paid quarterly
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
IRA Certificate; Rates as of September 23, 2026
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Balance: $2,500 - $9,999.99; Renewals
Balance: $50,000+; Dividends compounded and credited monthly
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Balance: $100,000+; Regular or IRA certificate
Balance: $10,000.00 - $49,999.99
($100,000.00 and over) tier; Dividend Rate 3.84%
Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply
Minimum Balance $500
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate
Balance: $50,000 tier
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate
Minimum balance tier: $1,000
Special certificate; Rates as of September 23, 2026
Balanced Growth; Maximum deposit $10 million; not available for public units or Business CDs
Homepage featured rate: 18-mo. CD at 4.20% APY
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Balance: $1,000.00 - $49,999.99
Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Semiannually
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Semiannually
$500 Minimum
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
$1,000 minimum - $150,000 maximum; Dividend Rate 3.54%
IRA Certificate; Rates as of September 23, 2026
Rates as of September 23, 2026
Balance: $10,000 or Greater
Balance: $500-$9,999
Penalties apply for early withdrawal
$5,000 minimum opening balance
$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal
Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Non-Relationship Pricing; Balance: $10,000 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026
Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Non-Relationship Pricing; Balance: $500 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026
Minimum daily balance of $1,000 required to obtain disclosed APY; early withdrawal penalty applies
Balance: $1,000.00 - $99,999.99
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 2.75%
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Compounded Monthly
Fixed rate APY
Fixed rate APY
Fixed rate APY
Balance: $100,000 or more; $1,000 opening deposit required
IRA CD; $1,000 opening deposit required
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
Most Popular
Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies
Long-Term Security; Maximum deposit $10 million; not available for public units or Business CDs
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Balance: $100,000.00 and over
Balance: $50,000.00 - $99,999.99
Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information
Minimum balance tier: $100,000
Balance: $10,000.00 - $49,999.99
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Minimum balance tier: $50,000
Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply
Minimum balance tier: $1,000
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Effective Date: Monday, October 19th, 2026
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Annually
Balance: $100,000+; Regular or IRA certificate
Balance: $25,000 & Over; Monthly compounding; Dividends paid monthly
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually
$500 Minimum
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate
Balance: $50,000+; Dividends compounded and credited monthly
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Balance: $50,000 tier
Effective October 19, 2026
Effective October 19, 2026; Business Checking Account required
Balance: $99,000 and over; Certificate Accounts (Term Share)
Balance: $99,000 and over
IRA Certificate; Rates as of September 23, 2026
Balance: $25,000 tier
Balance: $50,000 - $98,999.99; Certificate Accounts (Term Share)
Balance: $50,000 - $98,999.99
Rates as of September 23, 2026
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Minimum balance tier: $100,000
Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Minimum balance tier: $50,000
Traditional/Roth IRA Certificates.
Minimum balance tier: $1,000
Balance: $1,000.00 - $49,999.99
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Annually
Balance: $100,000+; Regular or IRA certificate
Balance: $50,000+; Dividends compounded and credited monthly
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate
Balance: $50,000 tier
Effective October 19, 2026
Effective October 19, 2026; Business Checking Account required
Balance: $25,000 tier
Balance: $10,000 tier
Penalties apply for early withdrawal
$5,000 minimum opening balance
$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal
Balance: $10,000 - and over; New Certificates
Jumbo; Dividend Rate 3.454%; Penalties may apply for early withdrawal.
Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.65%
Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.65%
Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Non-Relationship Pricing; Balance: $10,000 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026
Balance: $99,000 and over; Certificate Accounts (Term Share)
Balance: $99,000 and over
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Balance: $1,000.00+; Regular or IRA certificate
Effective October 19, 2026
Effective October 19, 2026; Business Checking Account required
Jumbo; Dividend Rate 3.698%; Penalties may apply for early withdrawal.
Penalties apply for early withdrawal
$5,000 minimum opening balance
$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal
Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.90%
Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.90%
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 3.75%
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 3.75%
Regular term share certificate; Dividend Rate and APY as printed; penalties may apply for early withdrawal
Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Non-Relationship Pricing; Balance: $10,000 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026
Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Non-Relationship Pricing; Balance: $500 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026
CD Term (Minimum Balance $500)
Jumbo certificate; $100,000 min. deposit
Jumbo: $100,000 min. deposit; Dividend Rate 2.810%
$50,000 min. deposit
$50,000 min. deposit tier
$25,000 min. deposit
Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026
Effective Date: 02/04/2026; Rates for California
IRA; Fixed Rate Accounts; Effective Date: 02/04/2026
Balance: $25,000 & Over; Monthly compounding; Dividends paid monthly
Minimum daily balance of $1,000 required to obtain disclosed APY; early withdrawal penalty applies
Rates as of September 23, 2026
Minimum $1,000
Compounded Monthly
Balance: over $50,000
Term: 48 Months (48-59 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Term: 48 Months (48-59 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
Early-withdrawal penalties may apply; Dividends are credited monthly
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
($100,000.00 and over) tier; Dividend Rate 4.03%
Effective Date: October 9, 2026; Interest paid monthly; Early withdrawal penalties may apply
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Balance: $50,000.00 - $99,999.99
Minimum balance tier: $100,000
Balance: $10,000.00 - $49,999.99
Minimum balance tier: $50,000
Traditional/Roth IRA Certificates.
Penalties apply for early withdrawal
$5,000 minimum opening balance
$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 4.15%
Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 4.15%
Minimum balance tier: $1,000
Balance: $1,000.00 - $49,999.99
Balance: $50,000+; Dividends compounded and credited monthly
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Effective October 19, 2026
Effective October 19, 2026; Business Checking Account required
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Annually
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 4.00%
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 4.00%
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually
Balance: $50,000 tier
Balance: $1,000.00+; Regular or IRA certificate
Balance: $25,000 tier
Balance: $10,000 tier
Balance: $500 tier
Balance: $50,000 - $99,999; Dividends paid quarterly
Balance: $250,000 minimum tier; Rates as of 10/14/2026
Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Compare local Window Rock, 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.
Arizona 12-month CD rates fell 0.020 points over the past 7 days to 3.358% APY.
Arizona 6-month CD rates rose 0.044 points over the past 7 days to 3.166% APY.
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.
Annual interest earnings at today’s Arizona average APYs. State average used where available; national average as fallback.
| CD Term | AZ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.491% | $124.56 | $249.13 | $622.82 | $1,245.65 |
| 6-Month CD | 3.166% | $158.28 | $316.55 | $791.38 | $1,582.75 |
| 12-Month CD | 3.358% | $167.91 | $335.82 | $839.55 | $1,679.10 |
| 18-Month CD | 3.281% | $164.05 | $328.10 | $820.25 | $1,640.50 |
| 24-Month CD | 3.137% | $156.86 | $313.71 | $784.28 | $1,568.55 |
| 36-Month CD | 3.019% | $150.96 | $301.93 | $754.82 | $1,509.65 |
| 48-Month CD | 2.696% | $134.80 | $269.59 | $673.98 | $1,347.95 |
| 60-Month CD | 3.033% | $151.67 | $303.34 | $758.35 | $1,516.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
$25,000 split equally across 5 terms using today’s Arizona average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AZ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.491% | $124.56 |
| 2 | 6-Month CD | $5,000 | 3.166% | $158.28 |
| 3 | 12-Month CD | $5,000 | 3.358% | $167.91 |
| 4 | 24-Month CD | $5,000 | 3.137% | $156.86 |
| 5 | 36-Month CD | $5,000 | 3.019% | $150.96 |
| Total ($25,000 invested) | $25,000 | 3.034% blended | $758.57/yr | |
Ladder example uses equal $5,000 rungs and Arizona average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 886 CD rates from 26 banks and 40 credit unions with locations in Window Rock, Arizona, plus national online institutions available to Arizona residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Wells Fargo offers a CD at 1.51% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Window Rock, Arizona.
What to compare when shopping for a CD in Window Rock, Arizona
To find the best APYs in Window Rock, Arizona, start with credit unions and online-only banks: Window Rock, Arizona has 40 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
10.9% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 8.6% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s AZ 12-month CD average of 3.358%, saving 10% of the local median salary ($4,661/year) and putting it in a CD would earn an additional $157 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
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 Window Rock, 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 Window Rock, Arizona as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Window Rock, Arizona savers easier access to their funds. For example, Wells Fargo is offering its 6 month Standard Fixed Rate CD - Relationship at 0.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, TUCSON is offering its 5 Year Business Certificate at 4.80% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
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 Window Rock, 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.
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 Window Rock, Arizona CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Window Rock, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Window Rock, Arizona rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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.
At today’s AZ top rate of 1.51% APY, a $10,000 deposit earns $151 in the first year. Enter your amount to see your exact return.
Window Rock, Arizona CD LadderAZ CD rates currently range from 2.491% (3-month) to 3.019% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Window Rock, Arizona CD at 1.51% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsArizona’s average 12-month CD is 3.358% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Window Rock, 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.
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Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Window Rock, 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 Window Rock, 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.