CD Rates Central, Arizona (AZ) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Central, Arizona CD rates include Landings Credit UnionLandings Credit UnionA+5.0 ★Texas Ratio: 4.77%Real return: +1.50%APY minus CPI (February 2026) offering IRA Certificate 12 Month at 4.30% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 11.38%Real return: +1.35%APY minus CPI (February 2026) offering Youth certificate 60-month youth certificate at 4.15% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering Dream Home Share Certificate 5 Year Retirement Share Certificate at 4.10% APY, Florida West Coast Credit UnionFlorida West Coast Credit UnionA+5.0 ★Texas Ratio: 1.98%Real return: +1.28%APY minus CPI (February 2026) offering 12 Month Certificate at 4.08% APY, and Goldwater BankGoldwater BankA5.0 ★Texas Ratio: 11.19%Real return: +1.20%APY minus CPI (February 2026) offering CERTIFICATES OF DEPOSIT - 12 Month at 4.00% APY. CD rates as of April 13, 2026 according to verified data from MonitorBankRates.
Central is a smaller community with no bank or credit union branches currently in our database. 148 institutions serving the Arizona area are available to Central residents, with CD rates as high as 4.30% APY from Landings Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 13, 2026
Compare Best CD Rates in Central, Arizona & the Surrounding Area
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Loyalty Program
$100,000 Minimum to Earn APY
Daily Balance of $500 - $99,999; Payment Frequency: Maturity
Rewards+ Loyalty Program
Relationship Rate
over $50,000
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
$100,000 Minimum to Earn APY
Rewards+ Loyalty Program
$10,000 - $49,999.99
Terms and conditions apply. Click below for details.
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Rewards+ Loyalty Program
$100,000 Minimum to Earn APY
Compounded Monthly
Qualifying balance up to $49,000.00
$100,000 and over
$100,000 Minimum to Earn APY
Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually
Non-Rewards+ Loyalty Program
Compounded Monthly
$100,000 and over
Relationship Rate
Rewards+ Loyalty Program
$100,000 Minimum to Earn APY
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
Compounded Monthly
24-month Share Certificate promotion
over $50,000
Relationship Rate
Terms and conditions apply. Click below for details.
$100,000 Minimum to Earn APY
Rewards+ Loyalty Program
Daily Balance of $500 - $99,999; Payment Frequency: Annually
over $50,000
Compounded Monthly
Rewards+ Loyalty Program
Compounded Monthly
over $50,000
$100,000 and over
Relationship Rate
Rewards+ Loyalty Program
Daily Balance of $500 - $99,999; Payment Frequency: Annually
Compounded Monthly
over $50,000
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Central, AZ CD Rate Trends
Compare local Central, AZ CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Arizona 12-month CD rates currently average 2.761% APY based on data from institutions in our monitoring network.
Arizona 6-month CD rates currently average 2.314% APY based on data from institutions in our monitoring network.
AZ CD Rate Forecast — Next 12 Months
Where are Arizona CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at AZ CD Rates Today
Annual interest earnings at today’s Arizona average APYs. State average used where available; national average as fallback.
| CD Term | AZ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.276% | $63.82 | $127.64 | $319.10 | $638.20 |
| 6-Month CD | 2.314% | $115.70 | $231.40 | $578.50 | $1,157.00 |
| 12-Month CD | 2.761% | $138.06 | $276.12 | $690.30 | $1,380.60 |
| 18-Month CD | 3.432% | $171.61 | $343.21 | $858.03 | $1,716.05 |
| 24-Month CD | 2.998% | $149.91 | $299.82 | $749.55 | $1,499.10 |
| 36-Month CD | 3.243% | $162.17 | $324.34 | $810.85 | $1,621.70 |
| 48-Month CD | 3.172% | $158.58 | $317.15 | $792.88 | $1,585.75 |
| 60-Month CD | 3.202% | $160.08 | $320.15 | $800.38 | $1,600.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 13, 2026. | |||||
Sample CD Ladder for Central, Arizona Savers
$25,000 split equally across 5 terms using today’s Arizona average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AZ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.276% | $63.82 |
| 2 | 6-Month CD | $5,000 | 2.314% | $115.70 |
| 3 | 12-Month CD | $5,000 | 2.761% | $138.06 |
| 4 | 24-Month CD | $5,000 | 2.998% | $149.91 |
| 5 | 36-Month CD | $5,000 | 3.243% | $162.17 |
| Total ($25,000 invested) | $25,000 | 2.519% blended | $629.66/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.
in Central, Arizona
About Our Central, Arizona CD Rate Database
MonitorBankRates tracks CD rates from 16 banks and 22 credit unions with locations in Central, Arizona, plus national online institutions available to Arizona residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Landings Credit Union offers a CD at 4.30% APY with a minimum deposit of $2,000. Use the rate table above to compare all current offers in Central, Arizona.
How to Find the Best CD Rates in Central, Arizona
What to compare when shopping for a CD in Central, Arizona
To find the best APYs in Central, Arizona, start with credit unions and online-only banks — Central, Arizona has 22 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 Central, 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 Central, Arizona — 38 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Central, Arizona savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Central, Arizona money market rates
Arizona Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s AZ 12-month CD average of 2.761%, saving 10% of the local median salary ($4,547/year) and putting it in a CD would earn an additional $126 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 Central, Arizona
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Central, Arizona
Are CD rates in Central, Arizona FDIC insured?
Do I have to pay state taxes on CD interest in Central, Arizona?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Central, Arizona?
- Landings Credit Union: 4.30% APY (IRA Certificate 12 Month)
- Mountain America Federal Credit Union: 4.15% APY (Youth certificate 60-month youth certificate)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
- Goldwater Bank: 4.00% APY (CERTIFICATES OF DEPOSIT - 12 Month)
- Rim Country Federal Credit Union: 3.96% APY (New 12 Mo IRA Share Certificate)
- KS StateBank: 3.95% APY (1 Year CD)
- Gainey Business Bank: 3.92% APY (Certificates of Deposits(Personal and Business) 60 month)
- Austin Capital Bank: 3.91% APY (Certificates of Deposit 3 Month)
- Idaho Central Credit Union: 3.85% APY (18 Month Promo CD)
CD Calculators for Central, Arizona
At today’s AZ top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Central, Arizona CD LadderAZ CD rates currently range from 1.276% (3-month) to 3.243% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Central, Arizona CD at 4.30% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsArizona’s average 12-month CD is 2.761% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Central, 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 pulling data straight 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 Central, 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.
