Arizona Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Arizona CD rates include America First Federal Credit UnionAmerica First Federal Credit Union6846 E Warner Rd, Mesa, AZ 85212 2138A5.0 ★Texas Ratio: 7.26%Real return: +1.50%APY minus CPI (February 2026) offering 60 Months Certificate at 4.30% APY, Crescent BankCrescent Bank960 W Elliot Rd, Tempe, AZ 85284C4.0 ★Texas Ratio: 27.16%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, Pima Federal Credit UnionPima Federal Credit Union3730 N Stone Ave, tucson, AZ 85705 3204A+5.0 ★Texas Ratio: 2.55%Real return: +1.45%APY minus CPI (February 2026) offering IRA Term Share Certificates - 18 months at 4.25% APY, Credit Union of Southern CaliforniaCredit Union of Southern California1871 Kiowa Ave, Lake Havasu City, AZ 86403A+5.0 ★Texas Ratio: 2.43%Real return: +1.45%APY minus CPI (February 2026) offering 24 month at 4.25% APY, and Idaho Central Credit UnionIdaho Central Credit Union9725 E Broadway Blvd, Tucson, AZ 85748A+5.0 ★Texas Ratio: 3.86%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Promo CD at 4.20% APY. CD rates as of September 1, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Arizona side-by-side. Arizona CD rates currently reach as high as 4.30% APY from America First Federal Credit Union at 6846 E Warner Rd, Mesa, AZ 85212 2138. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 2026
Compare Best CD Rates in Arizona
Arizona 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
24000 N Farmers Way, Phoenix, AZ 85085
3-Month Share Certificate
$1,000
4.00%
▲ 2.04% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.04% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
7655 W Thunderbird Rd, Peoria, AZ 85381
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.89% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details
Special Offer. balances under $100k
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month CD - Loyalty Program Platinum Tier
$0
3.80%
▲ 1.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details
Interest Rate is Base Interest Rate + 0.50%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
3 month
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
3 month Certificate
$500
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month CD - Loyalty Program Gold Tier
$0
3.70%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.74% above avg
Details
Interest Rate is Base Interest Rate + 0.40%
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Month (91 Day) CD
$0
3.60%
▲ 1.64% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 3 Month CD
$0
3.60%
▲ 1.64% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Payment Frequency: Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month CD - Loyalty Program Silver Tier
$0
3.60%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Interest Rate is Base Interest Rate + 0.30%
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Month (91 Day) CD
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 3 Month CD
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Payment Frequency: Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month CD - Loyalty Program Bronze Tier
$0
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Interest Rate is Base Interest Rate + 0.20%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month CD
$0
3.29%
▲ 1.33% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.33% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Business 3-month CD
$0
3.14%
▲ 1.18% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.18% above avg
Details
Early Withdrawal Penalties: 90 days interest
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
3 month
$0
2.60%
▲ 0.64% above national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.64% above avg
Details
Non-Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
3 month Certificate
$500
2.60%
▲ 0.64% above national avg
▼
Rate2.57%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.64% above avg
Details
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
1600 N Pan American Ave, Douglas, AZ 85607
3 Month Term
$0
2.56%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.60% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months
$0
0.55%
▼ 1.41% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.41% below avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months
$0
0.50%
▼ 1.46% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.46% below avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months
$0
0.45%
▼ 1.51% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.51% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ 85016
90 Days
$0
0.11%
▼ 1.85% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.85% below avg
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
7655 W Thunderbird Rd, Peoria, AZ 85381
3 months
$0
0.10%
▼ 1.86% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.86% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship Interest Rate 0.06%
Arizona 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
24000 N Farmers Way, Phoenix, AZ 85085
6-Month Share Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
6 month
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
6 month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
6 Month Promo CD
$500
3.95%
▲ 1.28% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 months
$50,000
3.85%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
6 months
$500
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
6 Month Certificate
$0
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 months
$25,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
First Western Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3001 N Alma School Rd, Chandler, AZ 85224
6 Month
$0
3.78%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.11% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Business 6-month CD
$0
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.09% above avg
Details
Early Withdrawal Penalties: 180 days interest
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
580 N Haskell Ave, Willcox, AZ 85643
6 Months
$0
3.76%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.09% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
6 Month CD - Relationship
$0
3.76%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.09% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 6 months
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificate - 6 months
$250
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) 6 months
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Share Certificate
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
6 month
$500
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 months
$10,000
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Mo
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 Month Certificate
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Limited time offer
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 months
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Share Certificate
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 6 Month
$50,000
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 months
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Mo
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
6 Month
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
6 Month (182 Day) CD
$0
3.58%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.91% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 6 Month CD
$0
3.58%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.91% above avg
Details
Payment Frequency: Maturity
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
6-Month Jumbo Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
6 Month (182 Day) CD
$0
3.53%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.86% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 6 Month CD
$0
3.53%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.86% above avg
Details
Payment Frequency: Maturity
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
6 Month
$0
3.51%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.84% above avg
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
6 Month Certificate
$500
3.51%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.84% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
6 Month CD
$500
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
6 months
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
6 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1812 W Monroe St, PHOENIX, AZ 85007
6-Month Certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Example rate for Share Certificate Ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
6 Month CD
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 6 Month CD
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
6 Mo. Certificate
$0
3.41%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.74% above avg
Details
Rates on these accounts are the highest offered on our certificate accounts.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
6 Month Certificate Account
$0
3.41%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.74% above avg
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
7047 E Greenway Pkwy, Scottsdale, AZ 85254
6-Month CD Special
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Limited Time CD Special
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
6 Mo. Certificate
$0
3.35%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Enjoy higher dividend rates on this account for having a bigger balance.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
6 Month Certificate Account
$0
3.35%
▲ 0.68% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
6 Mo. Certificate
$1,000
3.30%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
6 Month Certificate Account
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
6-Month IRA
$0
3.15%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
6-Month IRA
$0
3.10%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
6-Month IRA
$0
3.05%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.38% above avg
Details
Arizona 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
12 Month Promo CD
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
12 Month Certificate
$0
4.08%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.25% above avg
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 12 Month
$2,000
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
12 months
$500
4.02%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.19% above avg
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
12 month
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
12 month - Rewards+ Loyalty Program
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
12 month Certificate
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year
$0
3.91%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.08% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates 12 Month
$0
3.89%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.06% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 year
$50,000
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year Rookie Share Certificate
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
12 Month
$1,000
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 12 Month
$50,000
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 year
$25,000
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Mo. Certificate
$0
3.77%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
Rates on these accounts are the highest offered on our certificate accounts.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month Certificate Account
$0
3.77%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month IRA Certificate Account
$0
3.77%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
580 N Haskell Ave, Willcox, AZ 85643
12 Months
$0
3.76%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.93% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 12 months
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificate - 12 months
$250
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) 12 months
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 year
$10,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
1 Year
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6&12 MO. CERTS
$10,000
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
12 Month
$0
3.74%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.91% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
YOUth Boost 12-Month
$0
3.74%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.91% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Mo. Certificate
$0
3.72%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.89% above avg
Details
Enjoy higher dividend rates on this account for having a bigger balance.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month Certificate Account
$0
3.72%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.89% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month IRA Certificate Account
$0
3.72%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.89% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 year
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 year
$500
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
1 Year
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Business 12-month CD
$0
3.67%
▲ 0.84% above national avg
▼
Rate3.61%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.84% above avg
Details
Early Withdrawal Penalties: 180 days interest
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month Certificate
$1,000
3.67%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.84% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month Certificate Account
$0
3.67%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.84% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month IRA Certificate Account
$0
3.67%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.84% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year IRA
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
1 year (12 Month) CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 1 Year CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Payment Frequency: Maturity
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
IRA Term Certificate 1 Year
$0
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
1 Year Certificate
$500
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
12 Month CD - Relationship
$0
3.51%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year IRA
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
1 year (12 Month) CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 1 Year CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Payment Frequency: Maturity
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1812 W Monroe St, PHOENIX, AZ 85007
12-Month Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Example rate for Share Certificate Ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year IRA
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
12 Month TSC or IRA TSC
$500
3.45%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
1-Year IRA
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
12 Month CD
$500
3.30%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Arizona 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 18 months
$0
4.25%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.57% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificate - 18 months
$250
4.25%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.57% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) 18 months
$0
4.25%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.57% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
18 Month Promo CD
$500
4.20%
▲ 1.52% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.52% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
18 Month Share Certificate
$1,000
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
18 month
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
18 month - Rewards+ Loyalty Program
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
18 month Certificate
$500
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
18 Month Share Certificate
$1,000
3.95%
▲ 1.27% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95%
▲ 1.27% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
18 Month
$1,000
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
580 N Haskell Ave, Willcox, AZ 85643
18 Months
$0
3.76%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.08% above avg
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
8337 W Bell Rd Ste 102, Peoria, AZ 85382 3798
18-Month CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1 Main St, Sells, AZ 85634
18 Months
$0
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
18 Month CD
$0
3.58%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.90% above avg
Details
Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 18 Month CD
$0
3.58%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.90% above avg
Details
Payment Frequency: Semiannually
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 18 Month
$2,000
3.55%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
18 Month CD
$0
3.53%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.85% above avg
Details
Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 18 Month CD
$0
3.53%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.85% above avg
Details
Payment Frequency: Semiannually
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
18 month
$500
3.50%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
18 Month IRA CD
$0
3.50%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Mo
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Mo
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Business 18-month CD
$0
3.38%
▲ 0.70% above national avg
▼
Rate3.33%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.70% above avg
Details
Early Withdrawal Penalties: 180 days interest
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
1600 N Pan American Ave, Douglas, AZ 85607
18 Month Term
$0
3.31%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.63% above avg
Details
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1812 W Monroe St, PHOENIX, AZ 85007
18-Month Certificate
$0
3.25%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Example rate for Share Certificate Ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$10,000
3.20%
▲ 0.52% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.52% above avg
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$500
3.15%
▲ 0.47% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.47% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
18 months
$0
3.05%
▲ 0.37% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.37% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
18 month
$0
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Rewards+ Loyalty Program Dividend rate: 3.93%, Rewards+ Loyalty Program APY: 4.00%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
18 month Certificate
$500
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ 86313 5001
18 Month Term CD
$1,000
2.71%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.03% above avg
Details
Compounded Monthly
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ 85016
18 Months
$0
2.05%
▼ 0.63% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.63% below avg
Details
Parkway Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
11011 N Tatum Blvd, Phoenix, AZ 85028
18 Month
$0
1.00%
▼ 1.68% below national avg
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▼ 1.68% below avg
Details
Interest Rate as of 1/16/26
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ 85226
Share Certificates 18 Months
$0
0.40%
▼ 2.28% below national avg
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 2.28% below avg
Details
Arizona 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
960 W Elliot Rd, Tempe, AZ 85284
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 24 months
$0
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificate - 24 months
$250
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) 24 months
$0
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
24 month
$0
4.25%
▲ 1.54% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
24 month - Rewards+ Loyalty Program
$0
4.25%
▲ 1.54% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
24 month Certificate
$500
4.25%
▲ 1.54% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year
$0
4.05%
▲ 1.34% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
24 months
$500
4.02%
▲ 1.31% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.31% above avg
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
First Western Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3001 N Alma School Rd, Chandler, AZ 85224
24 Month
$0
4.00%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
24 Month Promo CD
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates 24 Month
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
580 N Haskell Ave, Willcox, AZ 85643
24 Months
$0
3.82%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
24 Month Certificate
$0
3.82%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
24 Month
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 years
$0
3.70%
▲ 0.99% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
24 Month CD - Relationship
$0
3.61%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.90% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 years
$50,000
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
2 Year Certificate
$500
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Mo. Certificate
$0
3.56%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Rates on these accounts are the highest offered on our certificate accounts.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month Certificate Account
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month IRA Certificate Account
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
1600 N Pan American Ave, Douglas, AZ 85607
24 Month Term
$0
3.56%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
2 Year (24 Month) CD
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 2 Year CD
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Payment Frequency: Annually
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 24 Month
$2,000
3.55%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 years
$25,000
3.55%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Mo. Certificate
$0
3.51%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details
Enjoy higher dividend rates on this account for having a bigger balance.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month Certificate Account
$0
3.51%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month IRA Certificate Account
$0
3.51%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
24 Month Jump Up CD - Relationship
$0
3.51%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
2 Year (24 Month) CD
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 2 Year CD
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Payment Frequency: Annually
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
24 month
$500
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 years
$10,000
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
2 Years
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Mo. Certificate
$1,000
3.46%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.75% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month Certificate Account
$0
3.46%
▲ 0.75% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.75% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month IRA Certificate Account
$0
3.46%
▲ 0.75% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.75% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 years
$500
3.45%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
2 Years
$0
3.45%
▲ 0.74% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
24 Month CD
$0
3.35%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 24 Month CD
$0
3.35%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Business 24-month CD
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Early Withdrawal Penalties: 360 days interest
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
24 Month Jump Up CD
$0
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 24 Month Jump Up CD
$0
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
24 Month TSC or IRA TSC
$10,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1 Main St, Sells, AZ 85634
24 Months
$0
3.20%
▲ 0.49% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.49% above avg
Details
Arizona 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
36 month
$0
4.25%
▲ 1.60% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.60% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
36 month - Rewards+ Loyalty Program
$0
4.25%
▲ 1.60% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.60% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
36 month Certificate
$500
4.25%
▲ 1.60% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.60% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year
$0
4.10%
▲ 1.44% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year
$0
4.05%
▲ 1.40% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
36 months
$500
4.02%
▲ 1.36% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.36% above avg
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 36 months
$0
4.00%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificate - 36 months
$250
4.00%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) 36 months
$0
4.00%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year
$0
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Share Certificate
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Share Certificate
$1,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year
$1,000
3.90%
▲ 1.25% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.25% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
580 N Haskell Ave, Willcox, AZ 85643
36 Months
$0
3.87%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates 36 Month
$0
3.86%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
36 Month
$0
3.71%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.06% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month CD - Relationship
$0
3.71%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.06% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 years
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 years
$50,000
3.65%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
3 Year Certificate
$500
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 years
$500
3.60%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month Jump Up CD - Relationship
$0
3.56%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.91% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Year (36 Month) CD
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 3 Year CD
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Payment Frequency: Annually
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 years
$10,000
3.55%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Year (36 Month) CD
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 3 Year CD
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Payment Frequency: Annually
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month CD
$0
3.45%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month IRA CD
$0
3.45%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 36 Month CD
$0
3.45%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
36 Month TSC or IRA TSC
$10,000
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Business 36-month CD
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Early Withdrawal Penalties: 360 days interest
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Mo. Certificate
$0
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Rates on these accounts are the highest offered on our certificate accounts.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Month Certificate Account
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Month IRA Certificate Account
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month Jump Up CD
$0
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 36 Month Jump Up CD
$0
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
36 Month TSC or IRA TSC
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Mo. Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Enjoy higher dividend rates on this account for having a bigger balance.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Month Certificate Account
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Month IRA Certificate Account
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
4491 N Oracle Rd, Tucson, AZ 85705
3 Year Share Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Mo. Certificate
$1,000
3.20%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Month Certificate Account
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Month IRA Certificate Account
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 36 Month
$2,000
3.05%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.40% above avg
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
36 Month-FIXED RATE CERTIFICATE
$500
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Fixed Rate Certificate
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
36 Month-STEP-UP CERTIFICATE
$500
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Step-Up Certificate
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
3 Years
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Arizona 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
48 month
$0
4.25%
▲ 1.59% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.59% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
48 month - Rewards+ Loyalty Program
$0
4.25%
▲ 1.59% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.59% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
48 month Certificate
$500
4.25%
▲ 1.59% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.59% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 48 months
$0
4.00%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificate - 48 months
$250
4.00%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) 48 months
$0
4.00%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
580 N Haskell Ave, Willcox, AZ 85643
48 Months
$0
3.92%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates 48 Month
$0
3.86%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
4 Year Certificate
$500
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
48 Month
$0
3.71%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
4 years
$0
3.70%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.04% above avg
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Business 48-month CD
$0
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Early Withdrawal Penalties: 360 days interest
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$10,000
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$500
3.35%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
4491 N Oracle Rd, Tucson, AZ 85705
4 Year Share Certificate
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
48 months
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.85%
▲ 0.19% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
48 month
$0
2.85%
▲ 0.19% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Rewards+ Loyalty Program Dividend rate: 4.17%, Rewards+ Loyalty Program APY: 4.25%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
48 month Certificate
$500
2.85%
▲ 0.19% above national avg
▼
Rate2.81%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.80%
▲ 0.14% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.75%
▲ 0.09% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.70%
▲ 0.04% above national avg
▼
Rate2.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.04% above avg
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
48 month
$500
2.50%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
1 Main St, Sells, AZ 85634
48 Months
$0
2.50%
▼ 0.16% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ 86313 5001
48 Month Term CD
$1,000
2.20%
▼ 0.46% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.46% below avg
Details
Compounded Monthly
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Platinum Tier
$0
1.95%
▼ 0.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.71% below avg
Details
Interest Rate is Base Interest Rate + 0.50%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Gold Tier
$0
1.85%
▼ 0.81% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.81% below avg
Details
Interest Rate is Base Interest Rate + 0.40%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Silver Tier
$0
1.75%
▼ 0.91% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.91% below avg
Details
Interest Rate is Base Interest Rate + 0.30%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Bronze Tier
$0
1.65%
▼ 1.01% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.01% below avg
Details
Interest Rate is Base Interest Rate + 0.20%
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ 85016
4 Years
$0
1.55%
▼ 1.11% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.11% below avg
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
IRA Term Certificate 4 Year
$0
1.51%
▼ 1.15% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.15% below avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months
$0
1.45%
▼ 1.21% below national avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.21% below avg
Details
Parkway Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
11011 N Tatum Blvd, Phoenix, AZ 85028
48 Month
$0
1.00%
▼ 1.66% below national avg
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▼ 1.66% below avg
Details
Interest Rate as of 1/16/26
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
7655 W Thunderbird Rd, Peoria, AZ 85381
48 months
$0
0.20%
▼ 2.46% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.46% below avg
Details
Arizona 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Months Certificate
$500
4.30%
▲ 1.54% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.54% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
60 month
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.49% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
60 month - Rewards+ Loyalty Program
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.49% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
60 month Certificate
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.49% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Months
$500
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
60 months
$500
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.26% above avg
Details
The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 60 months
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificate - 60 months
$250
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) 60 months
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Share Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates 60 Month
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
580 N Haskell Ave, Willcox, AZ 85643
60 Months
$0
3.97%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Share Certificate
$1,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 5 Year
$50,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.19% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
60 Month Promo CD
$500
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
5 Year Certificate
$500
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
60 Month
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
60 Month CD - Relationship
$0
3.81%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 years
$50,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
5 years
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.94% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 years
$25,000
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.94% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 years
$10,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 years
$500
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
5 Year (60 Month) CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 5 Year CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Payment Frequency: Annually
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
60 Month CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.69%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 60 Month CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
5 Year (60 Month) CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 5 Year CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Payment Frequency: Annually
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Business 60-month CD
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
Early Withdrawal Penalties: 360 days interest
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
4440 E Main St, Mesa, AZ 85205
Business 60 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
60 Month TSC or IRA TSC
$10,000
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year IRA
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
4491 N Oracle Rd, Tucson, AZ 85705
5 Year Share Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
3090 E Fry Blvd, Sierra Vista, AZ 85635
60 Month TSC or IRA TSC
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year IRA
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.44% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year IRA
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
4440 E Main St, Mesa, AZ 85205
Business 60 Months
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5000 E McDowell Rd, Mesa, AZ 85215 9707
5-Year IRA
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60-Mo Trad/Roth IRA CD
$2,500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
4440 E Main St, Mesa, AZ 85205
Business 60 Months
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
60 month
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Rewards+ Loyalty Program Dividend rate: 4.17%, Rewards+ Loyalty Program APY: 4.25%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
60 month Certificate
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1812 W Monroe St, PHOENIX, AZ 85007
60-Month Share Certificate
$2,000
2.85%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.09% above avg
Details
New Money Only.
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 60 Month
$2,000
2.80%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.04% above avg
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
60 Month-FIXED RATE CERTIFICATE
$500
2.75%
▼ 0.01% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Fixed Rate Certificate
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Arizona CD Rate Trends
Compare local Arizona CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — AZ Avg
2.833%
▲ 0.735 vs 7 days ago
Arizona 12-month CD rates rose 0.735 points over the past 7 days to 2.833% APY.
6-Month CD — AZ Avg
2.672%
▲ 1.369 vs 7 days ago
Arizona 6-month CD rates rose 1.369 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
AZ CD Rate Forecast — Next 12 Months
Where are Arizona CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AZ 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
Powered by
MonitorBankRates
What Your Savings Earn at AZ CD Rates Today
Annual interest earnings at today’s Arizona average APYs. State average used where available; national average as fallback.
| CD Term | AZ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
Sample CD Ladder for Arizona Savers
$25,000 split equally across 5 terms using today’s Arizona average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AZ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
393
CD Rates
Tracked in Arizona
Tracked in Arizona
12 Banks
30 Credit Unions
About Our Arizona CD Rate Database
MonitorBankRates tracks 393 CD rates from 12 banks and 30 credit unions with locations in Arizona, plus national online institutions available to Arizona residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: America First Federal Credit Union offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Arizona.
How to Find the Best CD Rates in Arizona
What to compare when shopping for a CD in Arizona
To find the best APYs in Arizona, start with credit unions and online-only banks — Arizona has 30 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 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 Arizona — 42 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Arizona savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Arizona money market rates
Arizona Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
18.9%
National avg: 17.3%
Median Individual Earnings
$45,474
National avg: $47,340
Poverty Rate
12.5%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$129/yr
At AZ 12-mo avg 2.833% APY
18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s AZ 12-month CD average of 2.833%, saving 10% of the local median salary ($4,547/year) and putting it in a CD would earn an additional $129 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 Arizona
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in 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 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 Arizona as everywhere in the U.S.
Choosing a CD Term in 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 Arizona savers easier access to their funds. For example, Farmers Insurance Federal Credit Union is offering its 6-Month Share Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, America First Federal Credit Union is offering its 60 Months Certificate at 4.30% 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 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 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 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 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 Arizona
Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 Arizona
Are CD rates in Arizona FDIC insured?
Yes, most established banks in 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 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 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 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 Arizona?
Here are recent top rates found for this area:
- America First Federal Credit Union: 4.30% APY (60 Months Certificate)
- Crescent Bank: 4.25% APY (24-month CD)
- Pima Federal Credit Union: 4.25% APY (IRA Term Share Certificates - 18 months)
- Credit Union of Southern California: 4.25% APY (24 month)
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Firefighters First Federal Credit Union: 4.10% APY (2 Year)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
- Landings Credit Union: 4.05% APY (IRA Certificate 12 Month)
- SunWest Federal Credit Union: 4.02% APY (12 months)
- Farmers Insurance Federal Credit Union: 4.00% APY (3-Month Share Certificate)
Rates reflect recent verified offers available in Arizona. Last Updated: September 1, 2026
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 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Arizona
Arizona CD Calculator
At today’s AZ top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Arizona CD LadderAZ CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Arizona CD at 4.30% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsArizona’s average 12-month CD is 2.833% 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 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 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 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: September 1, 2026
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