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Arizona Best CD Rates September 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.
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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 Pima Federal Credit UnionPima Federal Credit Union3730 N Stone Ave, tucson, AZ 85705 3204A+5.0 ★Texas Ratio: 1.11%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Term Share Certificate at 4.50% APY, Austin Capital BankAustin Capital Bank2990 N Litchfield Rd, Goodyear, AZ 85395A+5.0 ★Texas Ratio: 2.96%Real return: +1.52%APY minus CPI (February 2026) offering 3 Month CD at 4.32% APY, San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459A+5.0 ★Texas Ratio: 0.53%Real return: +1.50%APY minus CPI (February 2026) offering 24 Month Share Certificate at 4.30% APY, America First Federal Credit UnionAmerica First Federal Credit Union6846 E Warner Rd, Mesa, AZ 85212 2138A5.0 ★Texas Ratio: 7.35%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Certificate at 4.30% APY, and Crescent BankCrescent Bank960 W Elliot Rd, Tempe, AZ 85284A+5.0 ★Texas Ratio: 3.24%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY. CD rates as of September 21, 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 4.50% APY from Pima Federal Credit Union at 3730 N Stone Ave, tucson, AZ 85705 3204. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026
Compare Best CD Rates in Arizona
Arizona 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
2990 N Litchfield Rd, Goodyear, AZ 85395
3 Month CD
$1,000
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details
UP to $99,999.99
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. 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.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
No minimum deposit.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate - Loyalty Program Platinum Tier
$0
3.80%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Interest Rate is Base Interest Rate + 0.50%
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 90 Day
$500
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.69% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 90 Day
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.69% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
3 month Certificate
$500
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate - Loyalty Program Gold Tier
$0
3.70%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details
Interest Rate is Base Interest Rate + 0.40%
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Month (91 Day) CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 3 Month (91 Day) CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate - Loyalty Program Silver Tier
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Interest Rate is Base Interest Rate + 0.30%
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Month (91 Day) CD
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 3 Month (91 Day) CD
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate - Loyalty Program Bronze Tier
$0
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Interest Rate is Base Interest Rate + 0.20%
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
182 E 16th St, Yuma, AZ 85364
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
3 Month Share Certificate
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.34% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Promotional CD
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Published APY range: 3.29% to 3.80%; Published rate range: 3.25% to 3.75%. Earn our highest rates* when you qualify for the Platinum tier of our Benefits Banking Loyalty Program . Open Online
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
216 S Main St, Snowflake, AZ 85937
3 Month Share Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.23% above avg
Details
Balance: $10,000 - up
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Month Certificate
$0
3.15%
▲ 1.09% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Month Certificate
$0
3.10%
▲ 1.04% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.04% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Month Certificate
$0
3.05%
▲ 0.99% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
8777 E Hartford Dr, Scottsdale, AZ 85255
3 Month Certificate
$1,000
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.94% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
3 month Certificate
$500
2.60%
▲ 0.54% above national avg
▼
Rate2.57%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.54% above avg
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
216 S Main St, Snowflake, AZ 85937
3 Month Share Certificate
$0
2.52%
▲ 0.46% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.46% above avg
Details
Renewal; Balance: $10,000 - up
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
3 Month Share Certificate
$1,000
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 months
$1,000
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.46% below avg
Details
Balance: $100,000+
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 months
$1,000
0.55%
▼ 1.51% below national avg
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.51% below avg
Details
Balance: $25,000.00 - $49,999.99
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 months
$1,000
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.56% below avg
Details
Balance: $10,000.00 - $24,999.99
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 months
$1,000
0.45%
▼ 1.61% below national avg
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.61% below avg
Details
Balance: $1,000.00 - $9,999.99
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
298 W Mariposa Rd, Nogales, AZ 85621
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
$90,000 +
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
298 W Mariposa Rd, Nogales, AZ 85621
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Balance: $90,000 +
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
90 Day Standard CD Products
$0
0.06%
▼ 2.00% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Balance: Under $100,000
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
298 W Mariposa Rd, Nogales, AZ 85621
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
$1,000 +
Arizona 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
6 Month Share Certificate
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
2990 N Litchfield Rd, Goodyear, AZ 85395
6 Month CD
$1,000
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
UP to $99,999.99
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. 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.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
6 Month Term Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 6 months
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Checking Relationship
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
20155 N 67th Ave, Glendale, AZ 85308
6 Month Business Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
20155 N 67th Ave, Glendale, AZ 85308
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
20155 N 67th Ave, Glendale, AZ 85308
6 Month Flexible Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
20155 N 67th Ave, Glendale, AZ 85308
6 Month IRA Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
6 month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
6 Month CD
$0
3.96%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.19% above avg
Details
Relationship Rate APY
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
9725 E Broadway Blvd, Tucson, AZ 85748
6 Month Promo CD
$500
3.95%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD - 6 Month Liquid CD - no penalty
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.13% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 Month Certificate Account
$50,000
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Balance: $50,000 and over
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
6 months CD
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.05% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
580 N Haskell Ave, Willcox, AZ 85643
6 Month Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Effective Date: September 3, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
6 Month Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.05% above avg
Details
Balance: $1,000.00
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2335 S Ellis St, Chandler, AZ 85286 6701
Share Certificate - 6 Months
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.03% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 6 months
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $100,000+
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 Month Certificate Account
$25,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $25,000 - $49,999
First Western Bank & Trust
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
3001 N Alma School Rd, Chandler, AZ 85224
6 Month CD
$0
3.78%
▲ 1.01% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.01% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 180 Day
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 180 Day
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
6 Month Term Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 6 months
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) - 6 months
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 6 months
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $25,000.00 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Business Share Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Share Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 6 Month
$100,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Landings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
2800 S Mill Ave, Tempe, AZ 85282
6 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 Month Certificate Account
$10,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $10,000 - $24,999
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Month Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $10,000 or Greater
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate - 6 Month
$0
3.72%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.95% above avg
Details
over $50,000
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 6 months
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $10,000.00 - $24,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Business Share Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Share Certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Traditional/Roth IRA Certificates
$50,000
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 Month Certificate Account
$500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $500 - $9,999
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
6 Month CD
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Relationship Rate APY: 3.96%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 6 Month CD
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
10706 W Bell Rd, Sun City, AZ 85351
6-Month CD
$2,500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Month Share Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $500-$9,999
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 6 months
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000.00 - $9,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Business Share Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Share Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates - 6 Month
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
6 Month Bonus Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: 6 Month
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
6 Month (182 Day) CD
$0
3.58%
▲ 0.81% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.81% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 6 Month (182 Day) CD
$0
3.58%
▲ 0.81% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.81% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Arizona 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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
1871 Kiowa Ave, Lake Havasu City, AZ 86403
12-month Certificate
$1,000
4.25%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
New Funds; Promotional rate
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
12 Month Share Certificate
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
9725 E Broadway Blvd, Tucson, AZ 85748
12 Month Promo CD
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
20155 N 67th Ave, Glendale, AZ 85308
12 Month Business Certificate
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
20155 N 67th Ave, Glendale, AZ 85308
12 Month Certificate
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
20155 N 67th Ave, Glendale, AZ 85308
12 Month Flexible Certificates
$0
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
20155 N 67th Ave, Glendale, AZ 85308
12 Month IRA Certificate
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
20155 N 67th Ave, Glendale, AZ 85308
12 Month Youth Certificate
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
12 Month Certificate
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.13% above avg
Details
Balance: $500.00
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4491 N Oracle Rd, Tucson, AZ 85705
1 Year GOAL SHARE CERTIFICATE
$0
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
Balance: $25-$1,000
Landings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 12 Month
$2,000
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
12 months CD
$500
4.02%
▲ 1.07% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.07% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
960 W Elliot Rd, Tempe, AZ 85284
12 Month Certificate
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 12 Month
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 12 Month
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
12 Month Term Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 12 months
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Checking Relationship
Landings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
2800 S Mill Ave, Tempe, AZ 85282
12 Month Certificate
$500
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
12 month - Rewards+ Loyalty Program
$25
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.00%
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
12 month Certificate
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
216 S Main St, Snowflake, AZ 85937
12 Month Share Certificate
$0
3.96%
▲ 1.01% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.01% above avg
Details
IRA; Balance: IRA (Pd Qtrly)
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
12 Month Bonus Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
12 Month Bonus IRA Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 1 year
$1,000
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details
Balance: $100,000+
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year Retirement Liquid Share Certificates
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
5910 W Northern Ave, Glendale, AZ 85301
12 Month Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
580 N Haskell Ave, Willcox, AZ 85643
12 Month Certificate
$0
3.87%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.92% above avg
Details
Effective Date: September 3, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 1 year
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
Balance: $25,000.00 - $49,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 Year Certificate Account
$50,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Balance: $50,000 and over
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 1 year
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $10,000.00 - $24,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year Business Share Certificates
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year Rookie Share Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $250 - $2,500
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year Share Certificates
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
12 Month Share Certificates
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
12 Month Traditional/Roth IRA Certificates
$50,000
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates - 12 Month
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 12 Month
$100,000
3.80%
▲ 0.85% above national avg
▼
Rate3.74%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 Year Certificate Account
$25,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $25,000 - $49,999
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
10706 W Bell Rd, Sun City, AZ 85351
12-Month CD
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
12 Month Certificates
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
YOUth Boost 12-Month
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: YOUth Boost 12-Month
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Mo. Certificate
$0
3.77%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.82% above avg
Details
Balance: $99,000 Min. Balance
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month Certificate Account
$0
3.77%
▲ 0.82% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.82% above avg
Details
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
12 Month IRA Certificate Account
$0
3.77%
▲ 0.82% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.82% above avg
Details
Balance: $99,000 and over
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
12 Month CD
$0
3.76%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.81% above avg
Details
Relationship Rate APY
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12900 W Thunderbird Rd, El Mirage, AZ 85335
12 Month Certificate of Deposit
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
12 Month Business & Non-Profit Term Share Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
12 Month Term Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 12 months
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) - 12 months
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Arizona 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
18 Month Term Share Certificate
$0
4.50%
▲ 1.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.68% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 18 months
$0
4.50%
▲ 1.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.68% above avg
Details
Checking Relationship
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
18 Month Term Share Certificate
$0
4.25%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.43% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 18 months
$0
4.25%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.43% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) - 18 months
$0
4.25%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.43% above avg
Details
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
18 Month Share Certificate
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.43% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
9725 E Broadway Blvd, Tucson, AZ 85748
18 Month Promo CD
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
13503 W Camino Del Sol, Sun City West, AZ 85375
18-Month CD
$0
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.
Western State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
7001 N Scottsdale Rd, Scottsdale, AZ 85253
18-mo. CD
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
960 W Elliot Rd, Tempe, AZ 85284
18 Month Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 18 Month
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.18% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 18 Month
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.18% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
5910 W Northern Ave, Glendale, AZ 85301
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
18 Month Share Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 18 Month
$100,000
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
18 month Certificate
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
18 Month Share Certificate
$1,000
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
18 Month Traditional/Roth IRA Certificates
$50,000
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
18 Month Share Certificates
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
580 N Haskell Ave, Willcox, AZ 85643
18 Month Certificate
$0
3.87%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.05% above avg
Details
Effective Date: September 3, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2335 S Ellis St, Chandler, AZ 85286 6701
Share Certificate - 18 Months
$500
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.83% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
18 Month IRA CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Relationship Rate APY: N/A
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
18 Month CD
$0
3.58%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.76% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 18 Month CD
$0
3.58%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.76% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Landings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 18 Month
$2,000
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
18 Month CD
$0
3.53%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.71% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Semiannually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 18 Month CD
$0
3.53%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.71% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Semiannually
Landings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
2800 S Mill Ave, Tempe, AZ 85282
18 Month Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Month Share Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Balance: $10,000 or Greater
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Month Share Certificate
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.63% above avg
Details
Balance: $500-$9,999
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
18 Month Certificates of Deposits(Personal and Business)
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1812 W Monroe St, PHOENIX, AZ 85007
18-Month Certificate
$5,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
APY = Annual Percentage Yield. APYs shown above are not the current certificate term rates and are used only as example.
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$10,000
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$500
3.15%
▲ 0.33% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.33% above avg
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12900 W Thunderbird Rd, El Mirage, AZ 85335
18 Month Certificate of Deposit
$500
3.10%
▲ 0.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.28% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$500
3.10%
▲ 0.28% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.28% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
182 E 16th St, Yuma, AZ 85364
18 Month Certificate
$0
3.05%
▲ 0.23% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.23% above avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
8777 E Hartford Dr, Scottsdale, AZ 85255
18 Month Certificate
$1,000
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.18% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
18 month - Rewards+ Loyalty Program
$25
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.18% above avg
Details
Rewards+ Loyalty Program Dividend Rate: 3.93%; Rewards+ Loyalty Program APY: 4.00%
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
18 month Certificate
$500
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.18% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
18 Month Share Certificate
$1,000
2.75%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.07% below avg
Details
Prescott Federal Credit Union
Institution Rating:
A-4.4 ★Texas Ratio: 4.88%
500 N State Route 89, Prescott, AZ 86313 5001
18 Month Term CD
$1,000
2.61%
▼ 0.21% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▼ 0.21% below avg
Details
Compounded Monthly
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
13877 W Thunderbird St, Glendale, AZ 85307
18 Month Certificate of Deposit
$500
2.35%
▼ 0.47% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.47% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Jumbo CD
$95,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Standard CD
$1,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Super jumbo CD
$175,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Jumbo CD
$95,000
1.64%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.18% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Standard CD
$1,000
1.64%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.18% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Super jumbo CD
$175,000
1.64%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.18% below avg
Details
Arizona 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
24 Month Term Share Certificate
$0
4.50%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.66% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 24 months
$0
4.50%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.66% above avg
Details
Checking Relationship
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
24 Month Share Certificate
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
960 W Elliot Rd, Tempe, AZ 85284
24-month CD
$1,000
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
24 Month Term Share Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 24 months
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) - 24 months
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
5910 W Northern Ave, Glendale, AZ 85301
24 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
24 month Certificate
$500
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Retirement Liquid Share Certificates
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
24 months CD
$500
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.18% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
First Western Bank & Trust
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
3001 N Alma School Rd, Chandler, AZ 85224
24 Month CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
960 W Elliot Rd, Tempe, AZ 85284
24 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Business Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $100,000 and over
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
9725 E Broadway Blvd, Tucson, AZ 85748
24 Month Promo CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
24 Month Bonus Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
24 Month Bonus IRA Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Business Share Certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Share Certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $50,000 - $99,999.99
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
580 N Haskell Ave, Willcox, AZ 85643
24 Month Certificate
$0
3.92%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.08% above avg
Details
Effective Date: September 3, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Business Share Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Share Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $1,000 - $49,999.99
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
24 Month CD
$0
3.86%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.02% above avg
Details
Relationship Rate APY
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
24 Month Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.98% above avg
Details
Balance: $1000.00
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
24 Month Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: 24 Month
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 2 years
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $100,000+
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
1000 E Florence Blvd, Casa Grande, AZ 85122
2-Year Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
$25,000 & Over; Dividends paid monthly
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
24 Month Jump Up CD
$0
3.76%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.92% above avg
Details
Relationship Rate APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 2 years
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $25,000.00 - $49,999.99
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 2 years
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $10,000.00 - $24,999.99
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 2 years
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $1,000.00 - $9,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 Year Certificate Account
$50,000
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $50,000 and over
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1270 N Dysart Rd, Goodyear, AZ 85395
2 Year Certificate
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
24 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Relationship Rate APY: 3.86%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 24 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Mo. Certificate
$0
3.56%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.72% above avg
Details
Balance: $99,000 Min. Balance
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month Certificate Account
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.72% above avg
Details
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month IRA Certificate Account
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.72% above avg
Details
Balance: $99,000 and over
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
2 Year (24 Month) CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 2 Year (24 Month) CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2335 S Ellis St, Chandler, AZ 85286 6701
Share Certificate - 24 Months
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.71% above avg
Details
Landings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 24 Month
$2,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 Year Certificate Account
$25,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $25,000 - $49,999
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Mo. Certificate
$0
3.51%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $50,000 Min. Balance
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month Certificate Account
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.67% above avg
Details
Maximum Balance: $98,999.99
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month IRA Certificate Account
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $50,000 - $98,999.99
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
2 Year (24 Month) CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Arizona 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
36 Month Term Share Certificate
$0
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.49% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 36 months
$0
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.49% above avg
Details
Checking Relationship
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
36 Month Share Certificate
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
36 month Certificate
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.49% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Retirement Liquid Share Certificates
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
36 months CD
$500
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.26% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
960 W Elliot Rd, Tempe, AZ 85284
36 Month Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
36 Month Term Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 36 months
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) - 36 months
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Business Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 3 Year
$100,000
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
36 Month Bonus Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
580 N Haskell Ave, Willcox, AZ 85643
36 Month Certificate
$0
3.97%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Effective Date: September 3, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month CD
$0
3.96%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.20% above avg
Details
Relationship Rate APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Business Share Certificates
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Share Certificates
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Traditional/Roth IRA Certificates
$50,000
3.95%
▲ 1.19% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Business Share Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Share Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
36 Month Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: 36 Month
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month Jump Up CD
$0
3.81%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.05% above avg
Details
Relationship Rate APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 years
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $100,000+
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 years
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $25,000.00 - $49,999.99
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month IRA CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Relationship Rate APY: N/A
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 years
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $10,000.00 - $24,999.99
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month CD
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
Relationship Rate APY: 3.96%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 36 Month CD
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 years
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $1,000.00 - $9,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 Year Certificate Account
$50,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $50,000 and over
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1270 N Dysart Rd, Goodyear, AZ 85395
3 Year Certificate
$500
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 Year Certificate Account
$500
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Balance: $500 - $9,999
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Year (36 Month) CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 3 Year (36 Month) CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 Year Certificate Account
$10,000
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $10,000 - $24,999
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month Jump Up CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Relationship Rate APY: 3.81%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 36 Month Jump Up CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
36 Month Certificates of Deposits(Personal and Business)
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.75% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Year (36 Month) CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 3 Year (36 Month) CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month Share Certificate
$100,000
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3090 E Fry Blvd, Sierra Vista, AZ 85635
36 Month TSC or IRA TSC
$10,000
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Mo. Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Balance: $99,000 Min. Balance
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Month Certificate Account
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Hughes Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.91%
971 W Wetmore Rd, Tucson, AZ 85705 1551
36 Month IRA Certificate Account
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Balance: $99,000 and over
Arizona 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 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: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
48 Month Term Share Certificate
$0
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.48% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 48 months
$0
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.48% above avg
Details
Checking Relationship
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
48 month Certificate
$500
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
48 Month Share Certificate
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
580 N Haskell Ave, Willcox, AZ 85643
48 Month Certificate
$0
4.02%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
Effective Date: September 3, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
960 W Elliot Rd, Tempe, AZ 85284
48 Month Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
48 Month Term Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 48 months
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) - 48 months
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
48 Month Bonus Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
48 Month Certificates
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Balance: 48 Month
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 4 years
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $1,000.00+
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1270 N Dysart Rd, Goodyear, AZ 85395
4 Year Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
48 Month Certificates of Deposits(Personal and Business)
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.89% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Share Certificate
$100,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Share Certificate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$10,000
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4491 N Oracle Rd, Tucson, AZ 85705
4 Year Share Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12900 W Thunderbird Rd, El Mirage, AZ 85335
48 Month Certificate of Deposit
$500
3.03%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.26% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
48 Month Business & Non-Profit Term Share Certificates
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.23% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
182 E 16th St, Yuma, AZ 85364
48 Month Certificate
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.13% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4 Year IRA Certificate
$0
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$0
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
48 month - Rewards+ Loyalty Program
$25
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Rewards+ Loyalty Program Dividend Rate: 4.17%; Rewards+ Loyalty Program APY: 4.25%
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
48 month Certificate
$500
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4 Year IRA Certificate
$0
2.80%
▲ 0.03% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.03% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$0
2.80%
▲ 0.03% above national avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.03% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA Certificate
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4 Year IRA Certificate
$0
2.70%
▼ 0.07% below national avg
▼
Rate2.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$0
2.70%
▼ 0.07% below national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
1000 E Florence Blvd, Casa Grande, AZ 85122
4-Year Certificate
$0
2.56%
▼ 0.21% below national avg
▼
Rate2.53%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.21% below avg
Details
$25,000 & Over; Dividends paid monthly
Gateway Commercial Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
6860 E Warner Rd, Mesa, AZ 85212
48 Month Certificates of deposit
$0
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.24% below avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
8777 E Hartford Dr, Scottsdale, AZ 85255
48 Month Certificate
$1,000
2.50%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.27% below avg
Details
Landings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
2800 S Mill Ave, Tempe, AZ 85282
48 Month Certificate
$500
2.50%
▼ 0.27% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.27% below avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1 Main St, Sells, AZ 85634
48 Month Certificate
$0
2.50%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.27% below avg
Details
Balance: $1,000 minimum
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
13877 W Thunderbird St, Glendale, AZ 85307
48 Month Certificate of Deposit
$500
2.27%
▼ 0.50% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.50% below avg
Details
Prescott Federal Credit Union
Institution Rating:
A-4.4 ★Texas Ratio: 4.88%
500 N State Route 89, Prescott, AZ 86313 5001
48 Month Term CD
$1,000
2.10%
▼ 0.67% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▼ 0.67% below avg
Details
Compounded Monthly
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate - 4 Year
$0
2.02%
▼ 0.75% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.75% below avg
Details
over $50,000
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Platinum Tier
$0
1.95%
▼ 0.82% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.82% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Gold Tier
$0
1.85%
▼ 0.92% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.92% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Silver Tier
$0
1.75%
▼ 1.02% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.02% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Bronze Tier
$0
1.65%
▼ 1.12% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.12% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
4 Year IRA Term Certificate
$0
1.51%
▼ 1.26% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.26% below avg
Details
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate - 4 Year
$0
1.51%
▼ 1.26% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.26% below avg
Details
under $50,000
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
4 Year IRA CD
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
4 Year Standard CD Products
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Balance: Under $100,000
Arizona 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 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: 7.35%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Month Certificate
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Month Flexible Certificate
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Month Regular CD
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Month Regular Certificate Accounts
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
60 Month Term Share Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 60 months
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Checking Relationship
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
5910 W Northern Ave, Glendale, AZ 85301
60 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Credit Union of Southern California
1871 Kiowa Ave, Lake Havasu City, AZ 86403
60 month Certificate
$500
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
60 Month Share Certificate
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Month Bump-Rate Certificate Accounts
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
580 N Haskell Ave, Willcox, AZ 85643
60 Month Certificate
$0
4.07%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Effective Date: September 3, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
60 Month CD
$0
4.06%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.22% above avg
Details
Relationship Rate APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Retirement Liquid Share Certificates
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
60 months CD
$500
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.18% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
960 W Elliot Rd, Tempe, AZ 85284
60 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
60 Month Term Share Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
IRA Term Share Certificates - 60 months
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3730 N Stone Ave, tucson, AZ 85705 3204
Term Share Certificates (CD) - 60 months
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
60 Month Bonus Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
60 Month Bonus IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Business Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates 5 Year
$100,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Business Share Certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Share Certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Traditional/Roth IRA Certificates
$50,000
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
60 Month Certificates of Deposits(Personal and Business)
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.08% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Share Certificate
$100,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Business Share Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Share Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificates - 5 Year
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
9725 E Broadway Blvd, Tucson, AZ 85748
60 Month Promo CD
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1270 N Dysart Rd, Goodyear, AZ 85395
5 Year Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
1575 S Price Road, Chandler, AZ 85286
60 Month Certificates
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.00% above avg
Details
Balance: 60 Month
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
60 Month CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Relationship Rate APY: 4.06%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 60 Month CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year Certificate Account
$50,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $50,000 and over
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 5 years
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $1,000.00+
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year Certificate Account
$25,000
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $25,000 - $49,999
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year Certificate Account
$10,000
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $10,000 - $24,999
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year Certificate Account
$500
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $500 - $9,999
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
5 Year (60 Month) CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 5 Year (60 Month) CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
5 Year (60 Month) CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
1850 E Northrop Blvd, Chandler, AZ 85286
Business 5 Year (60 Month) CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
4440 E Main St, Mesa, AZ 85205
60 Month Business Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
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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
2.952%
▲ 0.030 vs 7 days ago
Arizona 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD AZ Avg
2.767%
▲ 0.021 vs 7 days ago
Arizona 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 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
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
775
CD Rates
Tracked in Arizona
Tracked in Arizona
23 Banks
34 Credit Unions
About Our Arizona CD Rate Database
MonitorBankRates tracks 775 CD rates from 23 banks and 34 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: Pima Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. 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 34 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: 57 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
$134/yr
At AZ 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,547/year) and putting it in a CD would earn an additional $134 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in 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, San Diego Firefighters Federal Credit Union is offering its 6 Month Share Certificate at 4.10% 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 Month 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:
- Pima Federal Credit Union: 4.50% APY (18 Month Term Share Certificate)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- San Diego Firefighters Federal Credit Union: 4.30% APY (24 Month Share Certificate)
- America First Federal Credit Union: 4.30% APY (60 Month Certificate)
- Crescent Bank: 4.25% APY (24-month CD)
- Mountain America Federal Credit Union: 4.25% APY (24 Month Certificate)
- Credit Union of Southern California: 4.25% APY (12-month Certificate)
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Banterra Bank: 4.15% APY (18-Month CD)
- Credit Union West Credit Union: 4.15% APY (12 Month Business Certificate)
Rates reflect recent verified offers available in Arizona. Last Updated: September 21, 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
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Ending Balance
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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 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Arizona CD LadderAZ CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Arizona CD at 4.50% 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 2.952% 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 21, 2026
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