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CD Rate Trends

Arizona Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Arizona CD rates range from 0.01% to 4.80% APY, verified by MonitorBankRates as of October 13, 2026. Current Arizona CD rates include TUCSONTUCSON1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023A+5.0 ★Texas Ratio: 5.69%Real return: +2.00%APY minus CPI (February 2026) offering 5 Year Business Certificate at 4.80% APY, Austin Capital BankAustin Capital Bank2990 N Litchfield Rd, Goodyear, AZ 85395A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union5910 W Northern Ave, Glendale, AZ 85301A5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, America First Federal Credit UnionAmerica First Federal Credit Union6846 E Warner Rd, Mesa, AZ 85212 2138A5.0 ★Texas Ratio: 8.33%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate Account at 4.50% APY, and Landings Credit UnionLandings Credit Union2800 S Mill Ave, Tempe, AZ 85282A+5.0 ★Texas Ratio: 3.83%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month LifeStage Certificate at 4.50% APY. CD rates as of October 13, 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 4.80% APY from TUCSON at 1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Arizona

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Arizona 3 Month CD Rates

MonitorBankRates Arizona Average · 3 Month CD2.34% APY▲ 0.05% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Arizona is 2.34% APY, compared with 2.09% nationally, as of October 13, 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
4.58% ▲ 2.24% above Arizona avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average2.34%▲ 2.24% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
216 S Main St, Snowflake, AZ 85937
3 Month Share Certificate
$0
4.06% ▲ 1.72% above Arizona avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▲ 1.72% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
2.52%3.68%4.83%Sep 14, 2026: 3.29% APYOct 13, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.06%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit - Loyalty Program Platinum Tier
$0
4.06% ▲ 1.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.72% above avgNationally 2.09%
Details

Loyalty Program1 Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)

Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 7, 2026: 4.06% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
3-Month Certificate
$0
4.00% ▲ 1.66% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.66% above avgNationally 2.09%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.66% above Arizona avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.66% above avgNationally 2.09%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. 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.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit - Loyalty Program Gold Tier
$0
3.96% ▲ 1.62% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.62% above avgNationally 2.09%
Details

Loyalty Program1 Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)

Rate History
No change since Oct 7, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 7, 2026: 3.96% APYOct 7, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
7655 W Thunderbird Rd, Peoria, AZ 85381
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.51% above Arizona avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Arizona Average2.34%▲ 1.51% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit - Loyalty Program Silver Tier
$0
3.85% ▲ 1.51% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.51% above avgNationally 2.09%
Details

Loyalty Program1 Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit - Loyalty Program Bronze Tier
$0
3.75% ▲ 1.41% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details

Loyalty Program1 Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 90 Day
$500
3.75% ▲ 1.41% above Arizona avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 7, 2026: 3.75% APYSep 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 90 Day
$0
3.75% ▲ 1.41% above Arizona avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 7, 2026: 3.75% APYSep 7, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Month (91 Day) CD
$0
3.60% ▲ 1.26% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.26% above avgNationally 2.09%
Details

Balance: $99,999.01 or more; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ 85281
3 Month IRA Certificate
$0
3.60% ▲ 1.26% above Arizona avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.34%▲ 1.26% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ 85281
3 Month Share Certificates
$0
3.60% ▲ 1.26% above Arizona avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.34%▲ 1.26% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Month (91 Day) CD
$0
3.55% ▲ 1.21% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.21% above avgNationally 2.09%
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate of Deposit
$0
3.55% ▲ 1.21% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.21% above avgNationally 2.09%
Details

Base Interest Rate (Consumer Rate Sheet): 3.50%

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
182 E 16th St, Yuma, AZ 85364
3 Month Certificate
$500
3.50% ▲ 1.16% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 1.16% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
3 Month Share Certificate
$0
3.50% ▲ 1.16% above Arizona avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▲ 1.16% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3 Month Certificate Term
$0
3.15% ▲ 0.81% above Arizona avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.81% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3 Month Certificate Term
$0
3.10% ▲ 0.76% above Arizona avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.76% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Month Certificate
$0
3.05% ▲ 0.71% above Arizona avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.71% above avgNationally 2.09%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
3-Month Certificate
$0
3.00% ▲ 0.66% above Arizona avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
3 Month Certificate
$1,000
3.00% ▲ 0.66% above Arizona avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
3 Month Certificate of Deposit
$1,000
2.00% ▼ 0.34% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 0.34% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Month Certificate
$1,000
0.60% ▼ 1.74% below Arizona avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.74% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 29, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 29, 2026: 0.60% APYSep 29, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Month Certificate
$1,000
0.55% ▼ 1.79% below Arizona avg
View
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.79% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 29, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 29, 2026: 0.55% APYSep 29, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Month Certificate
$1,000
0.50% ▼ 1.84% below Arizona avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.84% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 29, 2026: 0.50% APYSep 29, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Month Certificate
$1,000
0.45% ▼ 1.89% below Arizona avg
View
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.89% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 29, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 29, 2026: 0.45% APYSep 29, 2026Oct 13, 2026
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% ▼ 2.24% below Arizona avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.24% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
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% ▼ 2.24% below Arizona avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.24% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.28% below Arizona avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.28% below Arizona avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
90 Day Certificate
$0
0.06% ▼ 2.28% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
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% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
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
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
3 Month IRA Certificates
$0
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
3 Month Standard CD
$0
0.05% ▼ 2.29% below Arizona avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
120 N Stone Ave, Tucson, AZ 85701
3 Month Certificate of Deposit
$0
0.03% ▼ 2.31% below Arizona avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.31% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
120 N Stone Ave, Tucson, AZ 85701
3 Month Certificate of Deposit
$0
0.02% ▼ 2.32% below Arizona avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.32% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
120 N Stone Ave, Tucson, AZ 85701
3 Month Certificate of Deposit
$0
0.01% ▼ 2.33% below Arizona avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.34%▼ 2.33% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Arizona 6 Month CD Rates

MonitorBankRates Arizona Average · 6 Month CD3.12% APY▲ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Arizona is 3.12% APY, compared with 2.78% nationally, as of October 13, 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
6 Month CD
$1,000
4.30% ▲ 1.18% above Arizona avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average3.12%▲ 1.18% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
6 Month Share Certificate
$0
4.15% ▲ 1.03% above Arizona avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 1.03% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
216 S Main St, Snowflake, AZ 85937
6 Month Share Certificate
$0
4.14% ▲ 1.02% above Arizona avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 1.02% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 29, 2026 · 3.53% → 4.14% ▲ 0.61 pts · high 4.14% / low 3.53%
2.92%3.84%4.75%Sep 29, 2026: 3.53% APYOct 13, 2026: 4.14% APYSep 29, 2026Oct 13, 2026
  • Oct 13, 20264.14%▲ from 3.53%
  • Sep 29, 20263.53%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10706 W Bell Rd, Sun City, AZ 85351
6-MONTH CD
$2,500
4.10% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.98% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
6 Month Jumbo Certificate
$100,000
4.05% ▲ 0.93% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.93% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Sep 18, 2026: 3.55% APYOct 10, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.05%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
Limited Time 6 Month Share Certificate
$1,000
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. 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.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
6 Month Flexible Certificates
$0
4.00% ▲ 0.88% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
Business Certificate - 6 Months
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
Certificate - 6 Months
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
IRA Certificate - 6 Months
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
180 Day Business Certificate
$500
4.00% ▲ 0.88% above Arizona avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.78%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 27, 2026: 3.85% APYOct 6, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.00%▲ from 3.85%
  • Sep 27, 20263.85%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ 85748
6 Month Promo CD
$500
3.95% ▲ 0.83% above Arizona avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.83% above avgNationally 2.78%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD - 6 Month Liquid CD - no penalty
$0
3.90% ▲ 0.78% above Arizona avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.78% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 7, 2026: 3.90% APYSep 7, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 Month Certificate
$50,000
3.85% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.78%
Details

Balance: $50,000 and over

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
180 Day Share Certificate
$500
3.85% ▲ 0.73% above Arizona avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.78%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 27, 2026: 3.75% APYOct 6, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20263.85%▲ from 3.75%
  • Sep 27, 20263.75%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3631 E Baseline Rd, Gilbert, AZ 85234
6 Month CD
$500
3.85% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
6 Month Certificate of Deposit
$0
3.82% ▲ 0.70% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.78%
Details

Balance: $500.00 to $49,999.99

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
580 N Haskell Ave, Willcox, AZ 85643
6 Month Certificate
$0
3.82% ▲ 0.70% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
6 Month Certificate
$1,000
3.82% ▲ 0.70% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ 85286 6701
Share Certificates - 6 Months
$500
3.80% ▲ 0.68% above Arizona avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.78%
Details

Share Certificates ($500 Minimum)

Rate History
No change since Sep 16, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 16, 2026: 3.80% APYSep 16, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
6 Month Certificate Accounts
$0
3.80% ▲ 0.68% above Arizona avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 Month Certificate
$1,000
3.80% ▲ 0.68% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 Month Certificate
$25,000
3.80% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.78%
Details

Balance: $25,000 - $50,000

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
3001 N Alma School Rd, Chandler, AZ 85224
6 Month CD
$0
3.78% ▲ 0.66% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.66% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 7 times
3.28%3.78%4.28%Sep 14, 2026: 3.78% APYSep 14, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 180 Day
$500
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 7, 2026: 3.75% APYSep 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 180 Day
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 7, 2026: 3.75% APYSep 7, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
6 Month Certificate Accounts
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
6 Month Term Share Certificates
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.50% APYOct 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.75%▲ from 3.50%
  • Oct 4, 20263.50%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 Month Certificate
$1,000
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Business Share Certificates
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
6-Month Certificate
$500
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 Month Certificate
$10,000
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Balance: $10,000 - $25,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Month Share Certificate
$500
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Balance: $10,000 or Greater

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
19432 N R H Johnson Blvd, Sun City West, AZ 85375
6-Month CD
$0
3.75% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
19432 N R H Johnson Blvd, Sun City West, AZ 85375
6-Month Term
$1,000
3.75% ▲ 0.63% above Arizona avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
6 Month Term Certificate
$500
3.72% ▲ 0.60% above Arizona avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.60% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 3 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
6 Month Certificate Accounts
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 Month Certificate
$1,000
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Business Share Certificates
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 6 Months
$50,000
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.64%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
6 Month Certificate
$500
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
6 Month CD
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Relationship Rate APY: 3.96%

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 6 Month CD
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
6-Month Jumbo Certificate
$0
3.70% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Month Share Certificate
$500
3.70% ▲ 0.58% above Arizona avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.78%
Details

Balance: $500-$9,999

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.54% above Arizona avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.54% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 Month Certificate
$1,000
3.65% ▲ 0.53% above Arizona avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.53% above avgNationally 2.78%
Details

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

Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 29, 2026: 3.65% APYSep 29, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
6 Month Business Share Certificates
$0
3.65% ▲ 0.53% above Arizona avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.53% above avgNationally 2.78%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 6 Month
$1,000
3.65% ▲ 0.53% above Arizona avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.53% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 13, 2026

Arizona 12 Month CD Rates

MonitorBankRates Arizona Average · 12 Month CD3.37% APY▲ 0.03% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Arizona is 3.37% APY, compared with 2.99% nationally, as of October 13, 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
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
12-Month LifeStage Certificate
$500
4.50% ▲ 1.13% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 1.13% above avgNationally 2.99%
Details

Available to qualifying members ages 0-23; earns an additional 0.25% APY over the regular 12-Month Certificate rate, up to a maximum balance of $2,000

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
12 Month Share Certificate
$0
4.45% ▲ 1.08% above Arizona avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 1.08% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 Year Save-to-Win Certificate
$25
4.40% ▲ 1.03% above Arizona avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 1.03% above avgNationally 2.99%
Details

$25 to $3,000; dividend rate not captured

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ 85364
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.98% above Arizona avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10706 W Bell Rd, Sun City, AZ 85351
12-MONTH CD
$500
4.30% ▲ 0.93% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
1 Year Business Certificate
$500
4.30% ▲ 0.93% above Arizona avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.93% above avgNationally 2.99%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 27, 2026: 4.00% APYOct 6, 2026: 4.30% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.30%▲ from 4.00%
  • Sep 27, 20264.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3631 E Baseline Rd, Gilbert, AZ 85234
12 Month CD
$500
4.30% ▲ 0.93% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
216 S Main St, Snowflake, AZ 85937
12 Month Share Certificate
$0
4.25% ▲ 0.88% above Arizona avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.88% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 29, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 29, 2026: 3.75% APYOct 13, 2026: 4.25% APYSep 29, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Sep 29, 20263.75%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
12-Month Certificate
$500
4.25% ▲ 0.88% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
1 Year Share Certificate
$500
4.25% ▲ 0.88% above Arizona avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.88% above avgNationally 2.99%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 27, 2026: 3.90% APYOct 6, 2026: 4.25% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 3.90%
  • Sep 27, 20263.90%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12900 W Thunderbird Rd, El Mirage, AZ 85335
12-Month Certificate of Deposit
$500
4.20% ▲ 0.83% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▲ 0.83% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ 85748
12 Month Promo CD
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
12 Month Flexible Certificates
$0
4.15% ▲ 0.78% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
Business Certificate - 12 Months
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
Certificate - 12 Months
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
IRA Certificate - 12 Months
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
Youth Certificate - 12 Months
$500
4.15% ▲ 0.78% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
12 Month Certificate of Deposit
$0
4.12% ▲ 0.75% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.37%▲ 0.75% above avgNationally 2.99%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
12 Month Certificate
$500
4.08% ▲ 0.71% above Arizona avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4491 N Oracle Rd, Tucson, AZ 85705
1 Year GOAL Share Certificate
$25
4.07% ▲ 0.70% above Arizona avg
View
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.70% above avgNationally 2.99%
Details

Balance: $25-$1,000

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
216 S Main St, Snowflake, AZ 85937
12 Month IRA Share Certificate
$0
4.06% ▲ 0.69% above Arizona avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.69% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
5910 W Northern Ave, Glendale, AZ 85301
12 Month Certificate
$0
4.05% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.68% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 12-Month
$2,000
4.05% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.68% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.65% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.65% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 0.65% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.65% above avgNationally 2.99%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ 85364
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
960 W Elliot Rd, Tempe, AZ 85284
12 month CD
$1,000
4.00% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 12 Month
$500
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 12 Month
$0
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
2990 N Litchfield Rd, Goodyear, AZ 85395
12 Month CD
$1,000
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 Year IRA/HSA/CESA
$500
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 1, 2026: 4.00% APYOct 1, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
19432 N R H Johnson Blvd, Sun City West, AZ 85375
1-Year CD
$0
4.00% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
19432 N R H Johnson Blvd, Sun City West, AZ 85375
1-Year Term
$1,000
4.00% ▲ 0.63% above Arizona avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 Year IRA/HSA/CESA
$500
3.95% ▲ 0.58% above Arizona avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.58% above avgNationally 2.99%
Details

Balance: $25,000 to $49,999.99

Rate History
1 change since Oct 1, 2026 · 4.00% → 3.95% ▼ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Oct 1, 2026: 4.00% APYOct 10, 2026: 3.95% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.95%▼ from 4.00%
  • Oct 1, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 Year Certificate
$1,000
3.91% ▲ 0.54% above Arizona avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.54% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 29, 2026: 3.91% APYSep 29, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.54% above Arizona avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.54% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 9 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Retirement Liquid Share Certificates - 1 Year
$0
3.91% ▲ 0.54% above Arizona avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.54% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 18, 2026: 3.91% APYSep 18, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 Year IRA/HSA/CESA
$500
3.90% ▲ 0.53% above Arizona avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.53% above avgNationally 2.99%
Details

Balance: $500 to $24,999.99

Rate History
1 change since Oct 1, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 1, 2026: 4.00% APYOct 10, 2026: 3.90% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.90%▼ from 4.00%
  • Oct 1, 20264.00%first recorded
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
580 N Haskell Ave, Willcox, AZ 85643
12 Month Certificate
$0
3.87% ▲ 0.50% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
12 Month IRA Certificates
$0
3.86% ▲ 0.49% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.86% APY · checked 3 times
3.36%3.86%4.36%Oct 5, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Certificates - 12 Month
$0
3.86% ▲ 0.49% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.49% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.86% ▲ 0.07 pts · high 3.86% / low 3.79%
3.29%3.82%4.36%Sep 14, 2026: 3.79% APYSep 25, 2026: 3.81% APYOct 5, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Certificates - YOUth Boost 12-Month
$0
3.86% ▲ 0.49% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 13, 2026: 3.86% APYOct 13, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
182 E 16th St, Yuma, AZ 85364
12 Month Certificate
$500
3.85% ▲ 0.48% above Arizona avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.37%▲ 0.48% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 14, 2026: 3.30% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 Year Certificate
$1,000
3.85% ▲ 0.48% above Arizona avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.48% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 29, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 29, 2026: 3.85% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
1 Year Certificate
$50,000
3.85% ▲ 0.48% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.37%▲ 0.48% above avgNationally 2.99%
Details

Balance: $50,000 and over

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 Year Certificate
$1,000
3.80% ▲ 0.43% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.37%▲ 0.43% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year Business Share Certificates
$0
3.80% ▲ 0.43% above Arizona avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.43% above avgNationally 2.99%
Details

Balance: $1,000

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
1 Year Rookie Share Certificate
$0
3.80% ▲ 0.43% above Arizona avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.43% above avgNationally 2.99%
Details

Maximum Balance: $2,500

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
12 Month Share Certificate
$1,000
3.80% ▲ 0.43% above Arizona avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.43% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 12 Month
$1,000
3.80% ▲ 0.43% above Arizona avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.37%▲ 0.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026

Arizona 18 Month CD Rates

MonitorBankRates Arizona Average · 18 Month CD3.25% APY▲ 0.02% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Arizona is 3.25% APY, compared with 2.87% nationally, as of October 13, 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
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
18-Month Special Certificate
$500
4.50% ▲ 1.25% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.25%▲ 1.25% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12900 W Thunderbird Rd, El Mirage, AZ 85335
18-Month Certificate of Deposit
$500
4.40% ▲ 1.15% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 1.15% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
18 Month Share Certificate
$0
4.35% ▲ 1.10% above Arizona avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.25%▲ 1.10% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Sep 14, 2026: 4.25% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3631 E Baseline Rd, Gilbert, AZ 85234
18 Month CD
$500
4.35% ▲ 1.10% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 1.10% above avgNationally 2.87%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
18 Month Term Share Certificates
$0
4.25% ▲ 1.00% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▲ 1.00% above avgNationally 2.87%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.50% APYOct 4, 2026: 4.00% APYOct 12, 2026: 4.25% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%▼ from 4.50%
  • Sep 12, 20264.50%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10706 W Bell Rd, Sun City, AZ 85351
18-MONTH CD
$500
4.25% ▲ 1.00% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 1.00% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ 85748
18 Month Promo CD
$500
4.20% ▲ 0.95% above Arizona avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.25%▲ 0.95% above avgNationally 2.87%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.90% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
5910 W Northern Ave, Glendale, AZ 85301
18 Month Certificate
$0
4.15% ▲ 0.90% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.25%▲ 0.90% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Western State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
7001 N Scottsdale Rd, Scottsdale, AZ 85253
18-mo. CD
$0
4.00% ▲ 0.75% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Earn more with a 11-mo. or 18-mo. CD at 4.00% APY.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 18 Month
$500
4.00% ▲ 0.75% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 18 Month
$0
4.00% ▲ 0.75% above Arizona avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 7, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
18 Month Term Share Certificates
$0
4.00% ▲ 0.75% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.00%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.75% above Arizona avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.75% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.70% above Arizona avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.70% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
18 Month Share Certificate
$1,000
3.90% ▲ 0.65% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.65% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 18, 2026: 3.95% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.90%▼ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.65% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.65% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
580 N Haskell Ave, Willcox, AZ 85643
18 Month Certificate
$0
3.87% ▲ 0.62% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%▲ 0.62% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
182 E 16th St, Yuma, AZ 85364
18 Month Certificate
$500
3.85% ▲ 0.60% above Arizona avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.60% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 14, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
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
3.75% ▲ 0.50% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.50% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ 85364
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.45% above Arizona avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 0.45% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ 85286 6701
Share Certificates - 18 Months
$500
3.65% ▲ 0.40% above Arizona avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▲ 0.40% above avgNationally 2.87%
Details

Share Certificates ($500 Minimum)

Rate History
No change since Sep 16, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 16, 2026: 3.65% APYSep 16, 2026Oct 13, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1 Main St, Sells, AZ 85634
Promotional Term Share Certificates - 18 Months
$1,000
3.60% ▲ 0.35% above Arizona avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.25%▲ 0.35% above avgNationally 2.87%
Details

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

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
18 Month IRA CD
$0
3.60% ▲ 0.35% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 0.35% above avgNationally 2.87%
Details

Relationship Rate APY: N/A

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1850 E Northrop Blvd, Chandler, AZ 85286
18 Month CD
$0
3.58% ▲ 0.33% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.33% above avgNationally 2.87%
Details

Balance: $99,999.01 or more; Payment Frequency: Semiannually

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 18-Month
$2,000
3.55% ▲ 0.30% above Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.25%▲ 0.30% above avgNationally 2.87%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1850 E Northrop Blvd, Chandler, AZ 85286
18 Month CD
$0
3.53% ▲ 0.28% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.28% above avgNationally 2.87%
Details

Balance: $500 - $99,999; Payment Frequency: Semiannually

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
18-Month Certificate
$500
3.50% ▲ 0.25% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.25%▲ 0.25% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Month Share Certificate
$500
3.50% ▲ 0.25% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 0.25% above avgNationally 2.87%
Details

Balance: $10,000 or Greater

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Month Share Certificate
$500
3.45% ▲ 0.20% above Arizona avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▲ 0.20% above avgNationally 2.87%
Details

Balance: $500-$9,999

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
18 Month Business Certificate of Deposit
$0
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
18-Month Certificate
$5,000
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 27, 2026: 3.35% APYSep 27, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
18-Month IRA
$5,000
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 27, 2026: 3.35% APYSep 27, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ 85281
18 Month IRA Certificate
$0
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ 85281
18 Month Share Certificates
$0
3.35% ▲ 0.10% above Arizona avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average3.25%▲ 0.10% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
18-Month Certificate
$5,000
3.25% At Arizona avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.25%At the averageNationally 2.87%
Details

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

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$10,000
3.20% ▼ 0.05% below Arizona avg
View
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.05% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$500
3.15% ▼ 0.10% below Arizona avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.10% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
3090 E Fry Blvd, Sierra Vista, AZ 85635
18 Month TSC or IRA TSC
$500
3.10% ▼ 0.15% below Arizona avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.15% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
18 Month Certificate
$1,000
3.00% ▼ 0.25% below Arizona avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▼ 0.25% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
18 Month Certificate of Deposit
$1,000
2.75% ▼ 0.50% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▼ 0.50% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
18 Month IRA Certificate
$1,000
2.75% ▼ 0.50% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▼ 0.50% below avgNationally 2.87%
Details

Rate History
No change since Oct 2, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 2, 2026: 2.75% APYOct 2, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
19432 N R H Johnson Blvd, Sun City West, AZ 85375
18-Month CD
$0
2.75% ▼ 0.50% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.50% below avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
19432 N R H Johnson Blvd, Sun City West, AZ 85375
18-Month Term
$1,000
2.75% ▼ 0.50% below Arizona avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.25%▼ 0.50% below avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 2.84%
500 N State Route 89, Prescott, AZ 86313 5001
18 Month Term CD
$1,000
2.61% ▼ 0.64% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.25%▼ 0.64% below avgNationally 2.87%
Details

Compounded Monthly

Rate History
No change since Sep 16, 2026 · 2.61% APY · checked 5 times
2.11%2.61%3.11%Sep 16, 2026: 2.61% APYSep 16, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Jumbo CD
$95,000
1.65% ▼ 1.60% below Arizona avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▼ 1.60% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 6 times
1.15%1.65%2.15%Sep 18, 2026: 1.65% APYSep 18, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Standard CD
$1,000
1.65% ▼ 1.60% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▼ 1.60% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 6 times
1.15%1.65%2.15%Sep 18, 2026: 1.65% APYSep 18, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Super jumbo CD
$175,000
1.65% ▼ 1.60% below Arizona avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.25%▼ 1.60% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 6 times
1.15%1.65%2.15%Sep 18, 2026: 1.65% APYSep 18, 2026Oct 13, 2026

Arizona 24 Month CD Rates

MonitorBankRates Arizona Average · 24 Month CD3.14% APY▲ 0.01% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Arizona is 3.14% APY, compared with 2.88% nationally, as of October 13, 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
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
2 Year Business Certificate
$500
4.60% ▲ 1.46% above Arizona avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 1.46% above avgNationally 2.88%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.60% ▲ 0.55 pts · high 4.60% / low 4.05%
3.50%4.32%5.15%Sep 27, 2026: 4.05% APYOct 6, 2026: 4.60% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.60%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
2 Year Share Certificate
$500
4.55% ▲ 1.41% above Arizona avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 1.41% above avgNationally 2.88%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 3.95% → 4.55% ▲ 0.60 pts · high 4.55% / low 3.95%
3.35%4.25%5.15%Sep 27, 2026: 3.95% APYOct 6, 2026: 4.55% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.55%▲ from 3.95%
  • Sep 27, 20263.95%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
5910 W Northern Ave, Glendale, AZ 85301
24 Month Certificate
$0
4.50% ▲ 1.36% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3631 E Baseline Rd, Gilbert, AZ 85234
24 Month CD
$500
4.40% ▲ 1.26% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
24 Month Share Certificate
$0
4.30% ▲ 1.16% above Arizona avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.16% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
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% ▲ 1.11% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
24 Month Term Share Certificates
$0
4.25% ▲ 1.11% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.50% APYOct 4, 2026: 4.00% APYOct 12, 2026: 4.25% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%▼ from 4.50%
  • Sep 12, 20264.50%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ 85748
24 Month Promo CD
$500
4.25% ▲ 1.11% above Arizona avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Terms: See Terms

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10706 W Bell Rd, Sun City, AZ 85351
24-MONTH CD
$500
4.25% ▲ 1.11% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
24 Month Certificate of Deposit
$0
4.12% ▲ 0.98% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.98% above avgNationally 2.88%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 0.96% above Arizona avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 0.91% above Arizona avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates - 24 Month
$0
4.02% ▲ 0.88% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 0.88% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.88% above avgNationally 2.88%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
3001 N Alma School Rd, Chandler, AZ 85224
24 Month CD
$0
4.00% ▲ 0.86% above Arizona avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
24 Month Term Share Certificates
$0
4.00% ▲ 0.86% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.00%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Business Share Certificates
$0
4.00% ▲ 0.86% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.86% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Business Share Certificates
$0
3.95% ▲ 0.81% above Arizona avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.81% above avgNationally 2.88%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
580 N Haskell Ave, Willcox, AZ 85643
24 Month Certificate
$0
3.92% ▲ 0.78% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.78% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
2 Year Business Share Certificates
$0
3.90% ▲ 0.76% above Arizona avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.76% above avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Certificates - 24 Month
$0
3.86% ▲ 0.72% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.72% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
24 Month IRA Certificates
$0
3.82% ▲ 0.68% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
24 Month Certificate
$1,000
3.82% ▲ 0.68% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 Year Certificate
$1,000
3.80% ▲ 0.66% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1000 E Florence Blvd, Casa Grande, AZ 85122
2-Year Certificate
$0
3.80% ▲ 0.66% above Arizona avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.66% above avgNationally 2.88%
Details

Balance: $25,000 & Over; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 Year Certificate
$1,000
3.75% ▲ 0.61% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 Year IRA/HSA/CESA
$500
3.75% ▲ 0.61% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.61% above avgNationally 2.88%
Details

Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 1, 2026: 3.75% APYOct 1, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 Year Certificate
$1,000
3.70% ▲ 0.56% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.56% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 Year IRA/HSA/CESA
$500
3.70% ▲ 0.56% above Arizona avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.56% above avgNationally 2.88%
Details

Balance: $25,000 to $49,999.99

Rate History
1 change since Oct 1, 2026 · 3.75% → 3.70% ▼ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Oct 1, 2026: 3.75% APYOct 10, 2026: 3.70% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.70%▼ from 3.75%
  • Oct 1, 20263.75%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 Year Certificate
$1,000
3.65% ▲ 0.51% above Arizona avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.51% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 13, 2026
  • Oct 5, 20263.65%▼ from 3.75%
  • Sep 29, 20263.75%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 Year IRA/HSA/CESA
$500
3.65% ▲ 0.51% above Arizona avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.51% above avgNationally 2.88%
Details

Balance: $500 to $24,999.99

Rate History
1 change since Oct 1, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 1, 2026: 3.75% APYOct 10, 2026: 3.65% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.65%▼ from 3.75%
  • Oct 1, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ 85364
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.46% above Arizona avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 Year Certificate
$50,000
3.60% ▲ 0.46% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Balance: $50,000 and over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1270 N Dysart Rd, Goodyear, AZ 85395
2 Year Certificate
$500
3.60% ▲ 0.46% above Arizona avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
24 Month CD
$0
3.60% ▲ 0.46% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Relationship Rate APY: 3.86%

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 24 Month CD
$0
3.60% ▲ 0.46% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month Certificate
$99,000
3.56% ▲ 0.42% above Arizona avg
View
▼
RateN/A
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Balance: $99,000 minimum; Certificate Account

Rate History
No change since Sep 12, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 12, 2026: 3.56% APYSep 12, 2026Oct 13, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month IRA Certificate Account
$0
3.56% ▲ 0.42% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Balance: $99,000 and over

Rate History
No change since Sep 12, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 12, 2026: 3.56% APYSep 12, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1850 E Northrop Blvd, Chandler, AZ 85286
2 Year (24 Month) CD
$0
3.55% ▲ 0.41% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ 85286 6701
Share Certificates - 24 Months
$500
3.55% ▲ 0.41% above Arizona avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Share Certificates ($500 Minimum)

Rate History
No change since Sep 16, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 16, 2026: 3.55% APYSep 16, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 24-Month
$2,000
3.55% ▲ 0.41% above Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
2 Year Certificate
$25,000
3.55% ▲ 0.41% above Arizona avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.41% above avgNationally 2.88%
Details

Balance: $25,000 - $50,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12900 W Thunderbird Rd, El Mirage, AZ 85335
24-Month Certificate of Deposit
$500
3.51% ▲ 0.37% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 0.37% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
2.60%3.30%4.01%Sep 18, 2026: 3.10% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month Certificate
$50,000
3.51% ▲ 0.37% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.37% above avgNationally 2.88%
Details

Balance: $50,000 minimum; Certificate Account

Rate History
No change since Sep 12, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 12, 2026: 3.51% APYSep 12, 2026Oct 13, 2026
Hughes Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.97%
971 W Wetmore Rd, Tucson, AZ 85705 1551
24 Month IRA Certificate Account
$0
3.51% ▲ 0.37% above Arizona avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.37% above avgNationally 2.88%
Details

Balance: $50,000 - $98,999.99

Rate History
No change since Sep 12, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 12, 2026: 3.51% APYSep 12, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1850 E Northrop Blvd, Chandler, AZ 85286
2 Year (24 Month) CD
$0
3.50% ▲ 0.36% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
182 E 16th St, Yuma, AZ 85364
24 Month Certificate
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
24-Month Certificate
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ 85308
24 Month Flexible Certificates
$0
3.50% ▲ 0.36% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026

Arizona 36 Month CD Rates

MonitorBankRates Arizona Average · 36 Month CD2.97% APY▲ 0.01% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Arizona is 2.97% APY, compared with 2.81% nationally, as of October 13, 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
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
3 Year Business Certificate
$500
4.65% ▲ 1.68% above Arizona avg
View
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 1.68% above avgNationally 2.81%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.10% → 4.65% ▲ 0.55 pts · high 4.65% / low 4.10%
3.55%4.38%5.20%Sep 27, 2026: 4.10% APYOct 6, 2026: 4.65% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.65%▲ from 4.10%
  • Sep 27, 20264.10%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
3 Year Share Certificate
$500
4.60% ▲ 1.63% above Arizona avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 1.63% above avgNationally 2.81%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
3.40%4.30%5.20%Sep 27, 2026: 4.00% APYOct 6, 2026: 4.60% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.60%▲ from 4.00%
  • Sep 27, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
36 Month Share Certificate
$0
4.25% ▲ 1.28% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ 85364
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.18% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
36 Month Certificate of Deposit
$0
4.12% ▲ 1.15% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.97%▲ 1.15% above avgNationally 2.81%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ 85364
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.13% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.13% above Arizona avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.08% above Arizona avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.05% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.97%▲ 1.05% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 1.05% above Arizona avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.97%▲ 1.05% above avgNationally 2.81%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
36 Month Term Share Certificates
$0
4.00% ▲ 1.03% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Business Share Certificates
$0
4.00% ▲ 1.03% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.03% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.03% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
580 N Haskell Ave, Willcox, AZ 85643
36 Month Certificate
$0
3.97% ▲ 1.00% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 7 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Business Share Certificates
$0
3.95% ▲ 0.98% above Arizona avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.98% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 0.98% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
3 Year Business Share Certificates
$0
3.90% ▲ 0.93% above Arizona avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.93% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90% ▲ 0.93% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.97%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
36 Month IRA Certificates
$0
3.86% ▲ 0.89% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.97%▲ 0.89% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Certificates - 36 Month
$0
3.86% ▲ 0.89% above Arizona avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.97%▲ 0.89% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Year Certificate
$1,000
3.80% ▲ 0.83% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.97%▲ 0.83% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 Year IRA/HSA/CESA
$500
3.80% ▲ 0.83% above Arizona avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.83% above avgNationally 2.81%
Details

Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 1, 2026: 3.80% APYOct 1, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
36 Month Term Share Certificates
$0
3.75% ▲ 0.78% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.97%▲ 0.78% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Year Certificate
$1,000
3.75% ▲ 0.78% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.97%▲ 0.78% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 Year IRA/HSA/CESA
$500
3.75% ▲ 0.78% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.78% above avgNationally 2.81%
Details

Balance: $25,000 to $49,999.99

Rate History
1 change since Oct 1, 2026 · 3.80% → 3.75% ▼ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Oct 1, 2026: 3.80% APYOct 10, 2026: 3.75% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.75%▼ from 3.80%
  • Oct 1, 20263.80%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month IRA CD
$0
3.75% ▲ 0.78% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.78% above avgNationally 2.81%
Details

Relationship Rate APY: N/A

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Year Certificate
$1,000
3.70% ▲ 0.73% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.97%▲ 0.73% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 Year IRA/HSA/CESA
$500
3.70% ▲ 0.73% above Arizona avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.73% above avgNationally 2.81%
Details

Balance: $500 to $24,999.99

Rate History
1 change since Oct 1, 2026 · 3.80% → 3.70% ▼ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Oct 1, 2026: 3.80% APYOct 10, 2026: 3.70% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.70%▼ from 3.80%
  • Oct 1, 20263.80%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month CD
$0
3.70% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.73% above avgNationally 2.81%
Details

Relationship Rate APY: 3.96%

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 36 Month CD
$0
3.70% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month Certificate of Deposit
$100,000
3.65% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month IRA Certificate
$100,000
3.65% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.65%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 Year Certificate
$1,000
3.65% ▲ 0.68% above Arizona avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 13, 2026
  • Oct 5, 20263.65%▼ from 3.75%
  • Sep 29, 20263.75%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 Year Certificate
$50,000
3.65% ▲ 0.68% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

Balance: $50,000 and over

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1270 N Dysart Rd, Goodyear, AZ 85395
3 Year Certificate
$500
3.65% ▲ 0.68% above Arizona avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 Year Certificate
$500
3.60% ▲ 0.63% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.63% above avgNationally 2.81%
Details

Balance: $500 - $10,000

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.60% ▼ 0.05 pts · high 3.65% / low 3.60%
3.10%3.63%4.15%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.60%▼ from 3.65%
  • Sep 14, 20263.65%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Year (36 Month) CD
$0
3.55% ▲ 0.58% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.58% above avgNationally 2.81%
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
3 Year Certificate
$10,000
3.55% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.58% above avgNationally 2.81%
Details

Balance: $10,000 - $25,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
36 Month Jump Up CD
$0
3.55% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.58% above avgNationally 2.81%
Details

Relationship Rate APY: 3.81%

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 36 Month Jump Up CD
$0
3.55% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.97%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12900 W Thunderbird Rd, El Mirage, AZ 85335
36-Month Certificate of Deposit
$500
3.51% ▲ 0.54% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.54% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
36 Month Business Certificate of Deposit
$0
3.51% ▲ 0.54% above Arizona avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
36-Month Certificate
$5,000
3.51% ▲ 0.54% above Arizona avg
View
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Sep 27, 2026: 3.51% APYSep 27, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
36-Month IRA
$5,000
3.51% ▲ 0.54% above Arizona avg
View
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Sep 27, 2026: 3.51% APYSep 27, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month Certificate of Deposit
$1,000
3.50% ▲ 0.53% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month IRA Certificate
$1,000
3.50% ▲ 0.53% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.53% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Oct 2, 2026: 3.25% APYOct 7, 2026: 3.50% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.25%
  • Oct 2, 20263.25%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1850 E Northrop Blvd, Chandler, AZ 85286
3 Year (36 Month) CD
$0
3.50% ▲ 0.53% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.97%▲ 0.53% above avgNationally 2.81%
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ 85281
36 Month IRA Certificate
$0
3.50% ▲ 0.53% above Arizona avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.97%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ 85281
36 Month Share Certificates
$0
3.50% ▲ 0.53% above Arizona avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.97%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026

Arizona 48 Month CD Rates

MonitorBankRates Arizona Average · 48 Month CD2.67% APY▼ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Arizona is 2.67% APY, compared with 2.80% nationally, as of October 13, 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
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
4 Year Business Certificate
$500
4.75% ▲ 2.08% above Arizona avg
View
▼
Rate4.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 2.08% above avgNationally 2.80%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.10% → 4.75% ▲ 0.65 pts · high 4.75% / low 4.10%
3.45%4.43%5.40%Sep 27, 2026: 4.10% APYOct 6, 2026: 4.75% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.75%▲ from 4.10%
  • Sep 27, 20264.10%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
4 Year Share Certificate
$500
4.65% ▲ 1.98% above Arizona avg
View
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 1.98% above avgNationally 2.80%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.00% → 4.65% ▲ 0.65 pts · high 4.65% / low 4.00%
3.35%4.33%5.30%Sep 27, 2026: 4.00% APYOct 6, 2026: 4.65% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.65%▲ from 4.00%
  • Sep 27, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
48 Month Share Certificate
$0
4.25% ▲ 1.58% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.58% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
580 N Haskell Ave, Willcox, AZ 85643
48 Month Certificate
$0
4.02% ▲ 1.35% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.35% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 7 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
48 Month Term Share Certificates
$0
4.00% ▲ 1.33% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.33% above avgNationally 2.80%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.30% above Arizona avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.30% above Arizona avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month IRA Certificate
$100,000
3.90% ▲ 1.23% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
48 Month IRA Certificates
$0
3.81% ▲ 1.14% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.14% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Certificates - 48 Month
$0
3.81% ▲ 1.14% above Arizona avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month IRA Certificate
$1,000
3.75% ▲ 1.08% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
48 Month Term Share Certificates
$0
3.75% ▲ 1.08% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
4 Year Certificate
$1,000
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1270 N Dysart Rd, Goodyear, AZ 85395
4 Year Certificate
$500
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
48 Month Term Share Certificate
$0
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
Term Share Certificates / IRA Certificates (Jumbo) - 48 months
$0
3.75% ▲ 1.08% above Arizona avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
48 Month Business Certificate of Deposit
$0
3.66% ▲ 0.99% above Arizona avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
48-Month Certificate
$5,000
3.66% ▲ 0.99% above Arizona avg
View
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 27, 2026: 3.66% APYSep 27, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
48-Month IRA
$5,000
3.66% ▲ 0.99% above Arizona avg
View
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.99% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 27, 2026: 3.66% APYSep 27, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Certificate of Deposit
$100,000
3.65% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month IRA Certificate
$100,000
3.65% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.98% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.65%▼ from 3.75%
  • Oct 2, 20263.75%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12900 W Thunderbird Rd, El Mirage, AZ 85335
48-Month Certificate of Deposit
$500
3.51% ▲ 0.84% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.84% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Certificate of Deposit
$1,000
3.50% ▲ 0.83% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month IRA Certificate
$1,000
3.50% ▲ 0.83% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ 85281
48 Month IRA Certificate
$0
3.50% ▲ 0.83% above Arizona avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ 85281
48 Month Share Certificates
$0
3.50% ▲ 0.83% above Arizona avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
48 Month Term Share Certificate
$1,000
3.50% ▲ 0.83% above Arizona avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4491 N Oracle Rd, Tucson, AZ 85705
4 Year Share Certificate
$500
3.45% ▲ 0.78% above Arizona avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 0.78% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Certificate of Deposit
$100,000
3.40% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$10,000
3.40% ▲ 0.73% above Arizona avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$500
3.35% ▲ 0.68% above Arizona avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
3090 E Fry Blvd, Sierra Vista, AZ 85635
48 Month TSC or IRA TSC
$500
3.30% ▲ 0.63% above Arizona avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.63% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Certificate of Deposit
$1,000
3.25% ▲ 0.58% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
182 E 16th St, Yuma, AZ 85364
48 Month Certificate
$500
3.25% ▲ 0.58% above Arizona avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.58% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Sep 14, 2026: 2.90% APYOct 7, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4 Year Jumbo Certificate
$0
2.85% ▲ 0.18% above Arizona avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.18% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 7, 2026: 2.85% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$0
2.85% ▲ 0.18% above Arizona avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.18% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.85% ▲ 0.18% above Arizona avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.18% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.85% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.85%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$50,000
2.80% ▲ 0.13% above Arizona avg
View
▼
Rate2.77%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.13% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 7 times
2.30%2.80%3.30%Sep 18, 2026: 2.80% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.80% ▲ 0.13% above Arizona avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.80% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.80%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$0
2.75% ▲ 0.08% above Arizona avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$0
2.75% ▲ 0.08% above Arizona avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
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
2.75% ▲ 0.08% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.27% → 2.75% ▲ 0.48 pts · high 2.75% / low 2.27%
1.77%2.51%3.25%Sep 14, 2026: 2.27% APYOct 2, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20262.75%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
Business & Non-Profit Term Share Certificates - 48 months
$0
2.75% ▲ 0.08% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 12, 2026: 3.00% APYOct 4, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20262.75%▼ from 3.00%
  • Sep 12, 20263.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3631 E Baseline Rd, Gilbert, AZ 85234
48 Month CD
$500
2.75% ▲ 0.08% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 6, 2026: 2.75% APYOct 6, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year Certificate
$0
2.70% ▲ 0.03% above Arizona avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.03% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5000 E McDowell Rd, Mesa, AZ 85215 9707
4-Year IRA
$1,000
2.70% ▲ 0.03% above Arizona avg
View
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▲ 0.03% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
2.20%2.73%3.25%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.70% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.70%▼ from 2.75%
  • Sep 24, 20262.75%first recorded
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1000 E Florence Blvd, Casa Grande, AZ 85122
4-Year Certificate
$0
2.56% ▼ 0.11% below Arizona avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▼ 0.11% below avgNationally 2.80%
Details

Balance: $25,000 & Over; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.56% APY · checked 7 times
2.06%2.56%3.06%Sep 14, 2026: 2.56% APYSep 14, 2026Oct 13, 2026
Gateway Commercial Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
6860 E Warner Rd, Mesa, AZ 85212
48 Month Certificate of deposit
$0
2.53% ▼ 0.14% below Arizona avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 0.14% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 19, 2026: 2.53% APYSep 19, 2026Oct 13, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
48 Month Certificate
$1,000
2.50% ▼ 0.17% below Arizona avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▼ 0.17% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ 85282
48-Month Certificate
$500
2.50% ▼ 0.17% below Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▼ 0.17% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026

Arizona 60 Month CD Rates

MonitorBankRates Arizona Average · 60 Month CD3.03% APY▲ 0.01% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Arizona is 3.03% APY, compared with 2.90% nationally, as of October 13, 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
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
5 Year Business Certificate
$500
4.80% ▲ 1.77% above Arizona avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 1.77% above avgNationally 2.90%
Details

Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
3.50%4.48%5.45%Sep 27, 2026: 4.15% APYOct 6, 2026: 4.80% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.80%▲ from 4.15%
  • Sep 27, 20264.15%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1160 N WINSTEL BLVD, TUCSON, AZ 85716 4023
5 Year Share Certificate
$500
4.70% ▲ 1.67% above Arizona avg
View
▼
Rate4.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 1.67% above avgNationally 2.90%
Details

IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates. Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.70% ▲ 0.65 pts · high 4.70% / low 4.05%
3.40%4.38%5.35%Sep 27, 2026: 4.05% APYOct 6, 2026: 4.70% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.70%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
5910 W Northern Ave, Glendale, AZ 85301
60 Month Certificate
$0
4.50% ▲ 1.47% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Month Certificate Account
$500
4.50% ▲ 1.47% above Arizona avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Dividends credited monthly; early-withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
6846 E Warner Rd, Mesa, AZ 85212 2138
Regular Certificate - 60 Months
$500
4.50% ▲ 1.47% above Arizona avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
6846 E Warner Rd, Mesa, AZ 85212 2138
60 Month Bump-Rate Certificate
$500
4.35% ▲ 1.32% above Arizona avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 1.32% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ 85748
60 Month Promo CD
$500
4.30% ▲ 1.27% above Arizona avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 1.27% above avgNationally 2.90%
Details

Terms: See Terms

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
60 Month Share Certificate
$0
4.25% ▲ 1.22% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 1.22% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Certificate of Deposit
$100,000
4.15% ▲ 1.12% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 1.12% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month IRA Certificate
$100,000
4.15% ▲ 1.12% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 1.12% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 2, 2026: 4.00% APYOct 7, 2026: 4.15% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 4.00%
  • Oct 2, 20264.00%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ 85305 2224
60 Month Certificate of Deposit
$0
4.12% ▲ 1.09% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.03%▲ 1.09% above avgNationally 2.90%
Details

Balance: $500.00 to $49,999.99

Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
3.52%4.07%4.62%Sep 25, 2026: 4.02% APYOct 8, 2026: 4.12% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.12%▲ from 4.02%
  • Sep 25, 20264.02%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.07% above Arizona avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.07% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
580 N Haskell Ave, Willcox, AZ 85643
60 Month Certificate
$0
4.07% ▲ 1.04% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.02% above Arizona avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 1.02% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Certificate of Deposit
$1,000
4.00% ▲ 0.97% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month IRA Certificate
$1,000
4.00% ▲ 0.97% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 2, 2026: 3.75% APYOct 7, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
60 Month Term Share Certificates
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Checking Relationship APY

Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 12, 2026: 4.25% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▼ from 4.25%
  • Sep 12, 20264.25%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Business Share Certificates
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 0.97% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Business Share Certificates
$0
3.95% ▲ 0.92% above Arizona avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.92% above avgNationally 2.90%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95% ▲ 0.92% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.92% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
60 Month Business Certificate of Deposit
$0
3.92% ▲ 0.89% above Arizona avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Sep 18, 2026: 3.92% APYSep 18, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
60-Month Certificate
$5,000
3.92% ▲ 0.89% above Arizona avg
View
▼
Rate3.85%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Sep 27, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Sep 27, 2026: 3.92% APYSep 27, 2026Oct 13, 2026
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
60-Month IRA
$5,000
3.92% ▲ 0.89% above Arizona avg
View
▼
Rate3.85%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Sep 27, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Sep 27, 2026: 3.92% APYSep 27, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ 85364
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.87% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Certificate of Deposit
$100,000
3.90% ▲ 0.87% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month IRA Certificate
$100,000
3.90% ▲ 0.87% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 2, 2026: 4.00% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▼ from 4.00%
  • Oct 2, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
5 Year Business Share Certificates
$0
3.90% ▲ 0.87% above Arizona avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Certificate - 5 Year
$1,000
3.90% ▲ 0.87% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year IRA/HSA/CESA
$500
3.90% ▲ 0.87% above Arizona avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Balance: $50,000+

Rate History
No change since Oct 1, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 1, 2026: 3.90% APYOct 1, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year IRA/HSA/CESA
$500
3.86% ▲ 0.83% above Arizona avg
View
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.83% above avgNationally 2.90%
Details

Balance: $25,000 to $49,999

Rate History
1 change since Oct 1, 2026 · 3.90% → 3.86% ▼ 0.04 pts · high 3.90% / low 3.86%
3.36%3.88%4.40%Oct 1, 2026: 3.90% APYOct 10, 2026: 3.86% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.86%▼ from 3.90%
  • Oct 1, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ 85364
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.82% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1270 N Dysart Rd, Goodyear, AZ 85395
5 Year Certificate
$500
3.85% ▲ 0.82% above Arizona avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
60 Month IRA Certificates
$0
3.84% ▲ 0.81% above Arizona avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ 85286
Certificates - 60 Month
$0
3.84% ▲ 0.81% above Arizona avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year IRA/HSA/CESA
$500
3.80% ▲ 0.77% above Arizona avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Balance: $500 to $24,999

Rate History
1 change since Oct 1, 2026 · 3.90% → 3.80% ▼ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Oct 1, 2026: 3.90% APYOct 10, 2026: 3.80% APYOct 1, 2026Oct 13, 2026
  • Oct 10, 20263.80%▼ from 3.90%
  • Oct 1, 20263.90%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
60 Month CD
$0
3.80% ▲ 0.77% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Relationship Rate APY: 4.06%

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2222 S Craycroft Rd, Tucson, AZ 85711 6626
Business 60 Month CD
$0
3.80% ▲ 0.77% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Certificate of Deposit
$1,000
3.75% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month IRA Certificate
$1,000
3.75% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 2, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ 85705 3204
60 Month Term Share Certificates
$0
3.75% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year Certificate
$50,000
3.75% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Balance: $50,000 and over

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
5777 E Mayo Blvd, Phoenix, AZ 85054
5 Year Certificate
$1,000
3.70% ▲ 0.67% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.03%▲ 0.67% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year Certificate
$25,000
3.70% ▲ 0.67% above Arizona avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.67% above avgNationally 2.90%
Details

Balance: $25,000 - $50,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year Certificate
$10,000
3.65% ▲ 0.62% above Arizona avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.62% above avgNationally 2.90%
Details

Balance: $10,000 - $25,000

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ 85226
5 Year Certificate
$500
3.60% ▲ 0.57% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.03%▲ 0.57% above avgNationally 2.90%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1850 E Northrop Blvd, Chandler, AZ 85286
5 Year (60 Month) CD
$0
3.55% ▲ 0.52% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.03%▲ 0.52% above avgNationally 2.90%
Details

Balance: $99,999.01 or more; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Arizona Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Academy Bank
18-Month Certificate of Deposit
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
Vio Bank
24 Month CD
A+ 5.0 ★ TX: 4.93%
Min: $500
4.40%
Flagstar Bank, National Association
12-MONTH CD
D 3.3 ★ TX: 35.11%
Min: $500
4.30%
Crescent Bank
24-month CD
A+ 5.0 ★ TX: 3.24%
Min: $1,000
4.25%
CU Top 5 Credit Union Rates
TUCSON
5 Year Business Certificate
A+ 5.0 ★ TX: 5.69%
Min: $500
4.80%
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.50%
America First Federal Credit Union
60 Month Certificate Account
A 5.0 ★ TX: 8.33%
Min: $500
4.50%
Landings Credit Union
12-Month LifeStage Certificate
A+ 5.0 ★ TX: 3.83%
Min: $500
4.50%
San Diego Firefighters Federal Credit Union
12 Month Share Certificate
A+ 5.0 ★ TX: 1.33%
Min: $0
4.45%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full Arizona CD Trends
12-Month CD AZ Avg
3.375%
▲ 0.031 vs 7 days ago

Arizona 12-month CD rates rose 0.031 points over the past 7 days to 3.375% APY.

6-Month CD AZ Avg
3.123%
▲ 0.006 vs 7 days ago

Arizona 6-month CD rates rose 0.006 points over the past 7 days to 3.123% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

AZ CD Rate Forecast, Next 12 Months

Where are Arizona CD rates headed through October 2027?

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

AZ 12-Month Avg APY
3.375%
6-Month Forecast
3.375%
Range: 3.18%, 3.53%
12-Month Forecast
3.625%
Range: 3.43%, 3.78%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Arizona average 12-month CD APY in our database.

Spread model: The Arizona 12-month CD average currently trades 1.00% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at AZ CD Rates Today

Annual interest earnings at today’s Arizona average APYs. State average used where available; national average as fallback.

CD Term AZ Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.342% $117.10 $234.19 $585.48 $1,170.95
6-Month CD 3.123% $156.17 $312.34 $780.85 $1,561.70
12-Month CD 3.375% $168.73 $337.45 $843.62 $1,687.25
18-Month CD 3.252% $162.58 $325.15 $812.88 $1,625.75
24-Month CD 3.138% $156.88 $313.76 $784.40 $1,568.80
36-Month CD 2.971% $148.57 $297.13 $742.83 $1,485.65
48-Month CD 2.666% $133.30 $266.59 $666.48 $1,332.95
60-Month CD 3.026% $151.31 $302.62 $756.55 $1,513.10
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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.

Build Your Ladder
Rung Term Deposit AZ Avg APY Annual Earnings
1 3-Month CD $5,000 2.342% $117.10
2 6-Month CD $5,000 3.123% $156.17
3 12-Month CD $5,000 3.375% $168.73
4 24-Month CD $5,000 3.138% $156.88
5 36-Month CD $5,000 2.971% $148.57
Total ($25,000 invested) $25,000 2.990% blended $747.45/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.

Powered byMonitorBankRates
892
CD Rates
Tracked in Arizona
26 Banks 39 Credit Unions

About Our Arizona CD Rate Database

MonitorBankRates tracks 892 CD rates from 26 banks and 39 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: TUCSON offers a CD at 4.80% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Arizona.

How to Find the Best CD Rates in Arizona

What to compare when shopping for a CD in Arizona

To find the best APYs in Arizona, start with credit unions and online-only banks: Arizona has 39 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: 65 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
$153/yr
At AZ 12-mo avg 3.375% 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 3.375%, saving 10% of the local median salary ($4,547/year) and putting it in a CD would earn an additional $153 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in 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, Austin Capital Bank is offering its 6 Month CD at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, TUCSON is offering its 5 Year Business Certificate at 4.80% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

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:
  • TUCSON: 4.80% APY (5 Year Business Certificate)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
  • America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
  • Landings Credit Union: 4.50% APY (12-Month LifeStage Certificate)
  • San Diego Firefighters Federal Credit Union: 4.45% APY (12 Month Share Certificate)
  • Academy Bank: 4.40% APY (18-Month Certificate of Deposit)
  • First Credit Union: 4.40% APY (1 Year Save-to-Win Certificate)
  • Vio Bank: 4.40% APY (24 Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
Rates reflect recent verified offers available in Arizona. Last Updated: October 13, 2026

Arizona CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Arizona rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Arizona CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Arizona. Averages shown use the Arizona state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Arizona

Arizona CD Calculator

At today’s AZ top rate of 4.80% APY, a $10,000 deposit earns $480 in the first year. Enter your amount to see your exact return.

Arizona CD Ladder

AZ CD rates currently range from 2.342% (3-month) to 2.971% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Arizona CD at 4.80% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Arizona’s average 12-month CD is 3.375% 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: October 13, 2026

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