Arizona CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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 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 12-Month Certificate at 4.25% APY, 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, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union111 W Rio Salado Pkwy, Tempe, AZ 85281B4.4 ★Texas Ratio: 17.71%Real return: +1.32%APY minus CPI (February 2026) offering 36-Month Variable IRA Certificate at 4.12% APY, Florida West Coast Credit UnionFlorida West Coast Credit Union4801 E THISTLE LANDING DR, PHOENIX, AZ 85044A+5.0 ★Texas Ratio: 1.91%Real return: +1.28%APY minus CPI (February 2026) offering 12 Month Certificate at 4.08% APY, and Landings Credit UnionLandings Credit Union2800 S Mill Ave, Tempe, AZ 85282A+5.0 ★Texas Ratio: 4.51%Real return: +1.25%APY minus CPI (February 2026) offering IRA Certificate 12 Month at 4.05% APY. CD rates as of July 12, 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 4.25% APY from Credit Union of Southern California at 1871 Kiowa Ave, Lake Havasu City, AZ 86403. 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: July 12, 2026
Compare Best CD Rates in Arizona
Arizona 3 Month CD Rates
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
3 month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.57%, Non-Rewards+ Loyalty Program APY: 2.60%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ 85937
3 Mo
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
New Certificates
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ 85937
3 Mo
$0
2.52%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Renewals
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
3 Month
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 N Central Ave Ste 110, Phoenix, AZ 85004
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 3 months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 3 months
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 3 months
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 3 months
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
3 Month Standard CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
298 W Mariposa Rd, Nogales, AZ 85621
3 Months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
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%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
298 W Mariposa Rd, Nogales, AZ 85621
3 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Arizona 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Business Certificate 6 Months
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Flexible Certificates 6 mo
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
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%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
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%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 180 Day
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
6 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 6 months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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 IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%
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
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.59%, APY: 3.65% for $1,000 - $49,999.99; Rate: 3.64%, APY: 3.70% for $50,000 - $99,999.99; Rate: 3.69%, APY: 3.75% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ 85937
6 Mo
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
New Certificates
First Western Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3001 N Alma School Rd, Chandler, AZ 85224
6 Month
$0
3.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
6 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
6 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship Rate APY: 3.76%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 6 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver: 3.35% APY, Gold: 3.45% APY, Platinum: 3.50% APY
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
6 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver Rate: 3.35%, Silver APY: 3.40%, Gold Rate: 3.40%, Gold APY: 3.45%, Platinum Rate: 3.44%, Platinum APY: 3.50%
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ 85937
6 Mo
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Renewals
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ 86313 5001
6 Month Term CD
$1,000
2.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Compounded Monthly
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
6 month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
6 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
6 months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
6 Month Youth Certificate Account
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
6 Month Standard CD
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
6 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Arizona 12 Month CD Rates
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
12-Month Certificate
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Limited-time offer. New funds only. Dividends compounded monthly and credited monthly and at maturity. Penalty may be imposed for early withdrawal.
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%
▼
Rate4.09%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
12-Month Promo CD
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Limited-time offer.
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%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
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%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 12 Month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
12 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Business Certificate 12 Months
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Flexible Certificates 12 mo
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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 Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
IRA Certificate 12 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ 85937
12 Mo IRA
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
New Certificates
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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 IRA
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.74%, Annual Percentage Yield $50,000 - $99,999.99: 3.80%, Dividend Rate $100,000 and over: 3.74%, Annual Percentage Yield $100,000 and over: 3.80%
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%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
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 Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.74%, APY: 3.80% for $1,000 - $49,999.99; Rate: 3.74%, APY: 3.80% for $50,000 - $99,999.99; Rate: 3.74%, APY: 3.80% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
12 Month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 1 Year
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ 85937
12 Mo
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
New Certificates
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%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 & 12 Month Certificate
$10,000
3.75%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Enjoy higher dividend rates on this account for having a bigger balance.
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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 1 year
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
IRA Certificate 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
12-Month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
1 Year Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
12 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver Rate: 3.59%, Silver APY: 3.65%, Gold Rate: 3.64%, Gold APY: 3.70%, Platinum Rate: 3.69%, Platinum APY: 3.75%
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 12 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver: 3.65% APY, Gold: 3.70% APY, Platinum: 3.75% APY
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%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
12-Month Fixed IRA Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
12 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
12 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ 85937
12 Mo IRA
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Renewals
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD - 12 Month Liquid CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
no penalty
Arizona 18 Month CD Rates
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
18-Month Promo CD
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Limited-time offer.
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%
▼
Rate4.14%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
18-Month Variable IRA Certificate
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
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%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
18 month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
IRA Certificate 18 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 18 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver: 3.90% APY, Gold: 3.95% APY, Platinum: 4.00% APY
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 Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
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%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
18 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship Rate APY:
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
18 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
$10,000
3.20%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
18-Month Certificate of Deposit
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
18 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Compounded Monthly
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
18 Month Standard CD
$500
0.80%
▼
Rate0.80%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Arizona 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
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%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
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
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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 Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
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 Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
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%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
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
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 2 years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
24 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver Rate: 3.73%, Silver APY: 3.80%, Gold Rate: 3.78%, Gold APY: 3.85%, Platinum Rate: 3.83%, Platinum APY: 3.90%
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 24 Months
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver: 3.80% APY, Gold: 3.85% APY, Platinum: 3.90% APY
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
2 Year Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
IRA Certificate 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
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%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Enjoy higher dividend rates on this account for having a bigger balance.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
24 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
24 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
24 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
24-Month Fixed IRA Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
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%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship Rate APY: 3.61%
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Business Certificate 24 Months
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Flexible Certificates 24 mo
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship Rate APY: 3.51%
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%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
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
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
24-Month Certificate of Deposit
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
24 months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
24 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA Certificate 24 month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rewards+ Loyalty Program Dividend Rate: 3.93%, Rewards+ Loyalty Program APY: 4.00%
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ 86313 5001
24 Month Term CD
$1,000
2.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Compounded Monthly
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month Youth Certificate Account
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
2 Year Standard CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Arizona 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
36-Month Variable IRA Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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 Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
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 IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 3 years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
3 Year Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
IRA Certificate 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
36 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver Rate: 3.64%, Silver APY: 3.70%, Gold Rate: 3.69%, Gold APY: 3.75%, Platinum Rate: 3.73%, Platinum APY: 3.80%
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
BUMP SHARE CERTIFICATES 36 Months
$10,000
3.55%
▼
Rate3.49%
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Silver APY: 3.70%, Gold APY: 3.75%, Platinum APY: 3.80%
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 36 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver: 3.70% APY, Gold: 3.75% APY, Platinum: 3.80% APY
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
36 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
36-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship Rate APY: 3.71%
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship Rate APY:
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%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship Rate APY: 3.56%
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%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Business Certificate 36 Months
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Flexible Certificates 36 mo
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
36-Month Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
36 Month-STEP-UP CERTIFICATE
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
36 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
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
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fixed Rate Certificate
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ 85937
36 Mo
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
New Certificates
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
3 Years
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
36 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA Certificate 36 month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rewards+ Loyalty Program Dividend Rate: 3.93%, Rewards+ Loyalty Program APY: 4.00%
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
36 months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ 86313 5001
36 Month Term CD
$1,000
2.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Compounded Monthly
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 14.56%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Month Youth Certificate Account
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
3 Year Standard CD
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Arizona 48 Month CD Rates
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
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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 Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
4 Year Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 4 years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
IRA Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
48-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver: 3.60% APY, Gold: 3.65% APY, Platinum: 3.70% APY
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
BUMP SHARE CERTIFICATES 48 Months
$10,000
3.45%
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Silver APY: 3.60%, Gold APY: 3.65%, Platinum APY: 3.70%
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
48 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver Rate: 3.54%, Silver APY: 3.60%, Gold Rate: 3.59%, Gold APY: 3.65%, Platinum Rate: 3.64%, Platinum APY: 3.70%
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%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
48-Month Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
48 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
48 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA Certificate 48 month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rewards+ Loyalty Program Dividend Rate: 3.93%, Rewards+ Loyalty Program APY: 4.00%
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
48 months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
48 month
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Compounded Monthly
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
4 Year Standard CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Arizona 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
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
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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 Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Months
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
60 month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates 5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
5 Year Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
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%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificate 5 years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1575 S Price Road, Chandler, AZ 85286
IRA Certificate 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship Rate APY: 3.81%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ 85281
60-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
60 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver Rate: 3.44%, Silver APY: 3.50%, Gold Rate: 3.49%, Gold APY: 3.55%, Platinum Rate: 3.54%, Platinum APY: 3.60%
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
BUMP SHARE CERTIFICATES 60 Months
$10,000
3.35%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Silver APY: 3.50%, Gold APY: 3.55%, Platinum APY: 3.60%
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 60 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Silver: 3.50% APY, Gold: 3.55% APY, Platinum: 3.60% APY
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%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Business Certificate 60 Months
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
20155 N 67th Ave, Glendale, AZ 85308
Flexible Certificates 60 mo
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12900 W Thunderbird Rd, El Mirage, AZ 85335
60-Month Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ 86403
IRA Certificate 60 month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rewards+ Loyalty Program Dividend Rate: 3.93%, Rewards+ Loyalty Program APY: 4.00%
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3730 N Stone Ave, tucson, AZ 85705 3204
60 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
60 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
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%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 11, 2026
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
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fixed Rate Certificate
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ 85282
60 Month-STEP-UP CERTIFICATE
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Step-Up Certificate
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ 86313 5001
60 Month Term CD
$1,000
2.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Compounded Monthly
Gateway Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6860 E Warner Rd, Mesa, AZ 85212
60 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ 85748
5 Year Standard CD
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
298 W Mariposa Rd, Nogales, AZ 85621
60 Months
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
298 W Mariposa Rd, Nogales, AZ 85621
60 Months
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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
2.213%
▼ 0.055 vs 7 days ago
Arizona 12-month CD rates fell 0.055 points over the past 7 days to 2.213% APY.
6-Month CD — AZ Avg
1.354%
▲ 0.188 vs 7 days ago
Arizona 6-month CD rates rose 0.188 points over the past 7 days to 1.354% APY.
As of Jul 13, 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 July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AZ 12-Month Avg APY
2.213%
6-Month Forecast
2.213%
Range: 2.01% – 2.36%
12-Month Forecast
1.963%
Range: 1.76% – 2.11%
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 | 0.276% | $13.81 | $27.62 | $69.05 | $138.10 |
| 6-Month CD | 1.354% | $67.71 | $135.41 | $338.53 | $677.05 |
| 12-Month CD | 2.213% | $110.64 | $221.27 | $553.18 | $1,106.35 |
| 18-Month CD | 3.647% | $182.37 | $364.73 | $911.83 | $1,823.65 |
| 24-Month CD | 3.487% | $174.36 | $348.72 | $871.80 | $1,743.60 |
| 36-Month CD | 3.377% | $168.83 | $337.65 | $844.13 | $1,688.25 |
| 48-Month CD | 3.494% | $174.70 | $349.39 | $873.48 | $1,746.95 |
| 60-Month CD | 2.705% | $135.27 | $270.54 | $676.35 | $1,352.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 12, 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 | 0.276% | $13.81 |
| 2 | 6-Month CD | $5,000 | 1.354% | $67.71 |
| 3 | 12-Month CD | $5,000 | 2.213% | $110.64 |
| 4 | 24-Month CD | $5,000 | 3.487% | $174.36 |
| 5 | 36-Month CD | $5,000 | 3.377% | $168.83 |
| Total ($25,000 invested) | $25,000 | 2.141% blended | $535.35/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.
253
CD Rates
Tracked in Arizona
Tracked in Arizona
10 Banks
20 Credit Unions
About Our Arizona CD Rate Database
MonitorBankRates tracks 253 CD rates from 10 banks and 20 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: Credit Union of Southern California offers a CD at 4.25% 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 20 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 — 30 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Arizona savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$101/yr
At AZ 12-mo avg 2.213% 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 2.213%, saving 10% of the local median salary ($4,547/year) and putting it in a CD would earn an additional $101 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, Credit Union West Credit Union is offering its Business Certificate 6 Months at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Firefighters First Federal Credit Union is offering its 5 Year Retirement Share Certificate at 4.00% 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:
- Credit Union of Southern California: 4.25% APY (12-Month Certificate)
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable IRA Certificate)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
- Landings Credit Union: 4.05% APY (IRA Certificate 12 Month)
- Firefighters First Federal Credit Union: 4.00% APY (2 Year Retirement Share Certificate)
- Credit Union West Credit Union: 4.00% APY (Business Certificate 6 Months)
- Goldwater Bank: 4.00% APY (CERTIFICATES OF DEPOSIT - 12 Month)
- Rim Country Federal Credit Union: 3.96% APY (12 Mo IRA)
- America First Federal Credit Union: 3.95% APY (60 Months)
Rates reflect recent verified offers available in Arizona. Last Updated: July 12, 2026
CD Calculators for Arizona
Arizona CD Calculator
At today’s AZ top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Arizona CD LadderAZ CD rates currently range from 0.276% (3-month) to 3.377% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Arizona CD at 4.25% 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 2.213% 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: July 12, 2026
Cities in Arizona
Rate Assistant
MonitorBankRates.com · Live Data
Try asking