Peoria, Arizona CD rates range from 0.01% to 4.91% APY, verified by MonitorBankRates as of November 3, 2026. Current Peoria, Arizona CD rates include Vio BankVio Bank7485 W Cactus Rd, Peoria, AZ 85381A+5.0 ★Texas Ratio: 4.93%Real return: +0.70%APY minus CPIRate verified Oct 30, 2026 offering Certificate of Deposit - 24 Month at 4.40% APY, Alero Financial Credit UnionAlero Financial Credit Union8337 W Bell Rd Ste 102, Peoria, AZ 85382 3798A+5.0 ★Texas Ratio: 4.69%Real return: +0.57%APY minus CPIRate verified Oct 30, 2026 offering 18-Month Promotional Share Certificate at 4.27% APY, Credit Union West Credit UnionCredit Union West Credit Union6777 W Cactus Rd, Peoria, AZ 85381 5311A+5.0 ★Texas Ratio: 2.78%Real return: +0.45%APY minus CPIRate verified Oct 30, 2026 offering 12 Month Business Certificate at 4.15% APY, SunWest Federal Credit UnionSunWest Federal Credit Union16879 N 75th Ave Ste 103A, Peoria, AZ 85382 4893A+5.0 ★Texas Ratio: 2.68%Real return: +0.42%APY minus CPIRate verified Nov 2, 2026 offering 12 Month Certificate of Deposit at 4.12% APY, and Desert Financial Credit UnionDesert Financial Credit Union21655 N Lake Pleasant Pkwy, Peoria, AZ 85382A+5.0 ★Texas Ratio: 2.04%Real return: +0.35%APY minus CPIRate verified Oct 30, 2026 offering 6 Month Jumbo Certificate at 4.05% APY. CD rates as of November 3, 2026 according to verified data from MonitorBankRates.
Peoria has 133 local institutions in our database, with CD rates as high as 4.40% APY from Vio Bank at 7485 W Cactus Rd, Peoria, AZ 85381. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Arizona area. 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: November 3, 2026
Limited Time Special Offer; Balances under $100k; $500 minimum to open and obtain special offer; Not available for individual retirement or business accounts; Penalty for early withdrawal; Open Online
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500 - $99,999; Payment Frequency: Maturity
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $25,000.00 and above
Balance: $1,000.00 - $24,999.99
Balance: $1.00 - $999.99
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Balance: $10,000 - up; New Certificates
No minimum deposit; Open Account online
Limited Time promotional yield on new certificates; IRA certificates do not qualify; no additional deposits
Promotional yield calculated on a 3.93% base rate; membership eligibility required; new Certificates only; no additional deposits during term; rolls over to a 3-Month Certificate at available rates at maturity
Compounding: Monthly
Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal
Expected Profit Rate 3.85%; Expected Annual % Yield 3.90%; Profit paid at maturity; No discount may be applied for early withdrawal; Ability to fund throughout the term; Rates current as of 10/1/2026
Interest paid at maturity; Ability to fund throughout the term; IRA funds are eligible; No penalty may be imposed for early withdrawal
Subject to early withdrawal penalties
IRA; Subject to early withdrawal penalties
Balance: $10,000 - up; Renewals
Minimum Balance $500
Accurate as of 09/30/2026
Dividend Rate 3.455%; Share Certificate Rates current as of October 23, 2026
Interest compounded monthly; early withdrawal penalty of 90 days worth of interest; automatically renews for same term with 10-day grace period
Source shows $25,000 min. deposit; the $100,000 figure and 'Jumbo' label are not in the source
$100,000 min. deposit (Jumbo)
$50,000 min. deposit
$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026
Dividend rate only; no APY printed in source table; $25,000 min. deposit
Share Certificate Rates; Effective Date: 02/04/2026; Rates for California
Rates fixed for term; minimum daily balance of $1,000 to obtain disclosed APY
Dividends compounded: Monthly; Dividends credited: Monthly; Dividend period: Term of Account
Dividends compounded: Monthly; Dividends credited: Monthly; Dividend period: Term of Account
No IRA
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Balance: $100,000+; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $25,000.00 - $49,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $10,000.00 - $24,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $1,000.00 - $9,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Tier: $90,000+; Renewal Term: 3 Months
Balance: $100,000 or more
Tier: $1,000+; Renewal Term: 3 Months
APY as high as 4.05%; Rate type: Fixed; Terms available from six months to five years; Contact us to open
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
Balance: $500 - $99,999; Payment Frequency: Maturity
Featured rate; Jumbo Savings Certificate, terms available from six months to five years; APY accurate as of October 29, 2026; Contact us to open
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Required balance to open and earn stated APY; APY as of 10/16/26
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $25,000.00 and above
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Term: 6 Month Liquid CD - no penalty; No penalty liquid CD; Subject to early withdrawal penalties
Compounding: Monthly
Share Certificate Rates current as of October 23, 2026
Balance: $2,500 - $9,999.99; New Certificates
Annual Percentage Yield; Maximum deposit $10 million; Not available for public units; Limited-time offer; Fees could reduce earnings; Early withdrawal penalties apply
Short-term growth CD; $2,500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates
Promotional yield calculated on a 3.93% base rate; membership eligibility required; new Certificates only; no additional deposits during term; rolls over to a 6-Month Certificate at available rates at maturity
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Terms: See Terms
Interest paid at maturity; Ability to fund throughout the term; IRA funds eligible; No penalty may be imposed for early withdrawal
Expected Profit Rate 3.90%; Expected Annual % Yield 3.94%; Profit paid at maturity; No discount may be applied for early withdrawal; Ability to fund throughout the term; Rates current as of 10/1/2026
Interest paid at maturity; Ability to fund throughout the term; IRA funds are eligible; No penalty may be imposed for early withdrawal
Balance: $100,000+; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $25,000.00 - $49,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Effective Date: October 9, 2026; Early withdrawal penalties may apply
Balance: $50,000 tier
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
Balance: $2,500 - $9,999.99; Renewals
Effective Date: Monday, October 19th, 2026
Balance: $50,000 - $99,999; Liquid Certificate available for 6-month term; Unlimited deposits and 2 penalty-free withdrawals; Dividends paid quarterly
Balance: $10,000.00 - $24,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $25,000 tier
Special rate as of October 16, 2026; APY effective as of October 16, 2026; $2,500.00 minimum balance required to open and obtain APY
Subject to early withdrawal penalties
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500 - $99,999; Payment Frequency: Maturity
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Products eligible for IRA; $500 minimum opening deposit; Required balance to open and earn stated APY; APY as of 10/16/26
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $25,000.00 and above
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates
Compounding: Monthly
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.
Share Certificate Rates current as of October 23, 2026
Annual Percentage Yield; Maximum deposit $10 million; Not available for public units; Limited-time offer; Fees could reduce earnings; Early withdrawal penalties apply
Top rate CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
Balance: $2,500 - $9,999.99; New Certificates
Certificate Rates
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
Subject to early withdrawal penalties
IRA; Subject to early withdrawal penalties
Balance: $100,000+; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Terms: See Terms
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Balance: $25,000.00 - $49,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Effective Date: Monday, October 19th, 2026
Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Balance: $25-$1,000; A minimum of $25 is required to establish this share certificate
Required Amount: IRA (Pd Qtrly); New Certificates; IRA dividends paid quarterly
Required Amount: IRA (Pd Qtrly); Renewals; IRA dividends paid quarterly
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Balance: $10,000.00 - $24,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
IRA Certificate; Rates as of September 23, 2026
Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Balance: $500 - $99,999; Payment Frequency: Semiannually
Products eligible for IRA; $500 minimum opening deposit; Required balance to open and earn stated APY; APY as of 10/16/26
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $25,000.00 and above
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Compounding: Monthly
Special certificate rate
Share Certificate Rates current as of October 23, 2026
Subject to early withdrawal penalties
IRA; Subject to early withdrawal penalties
Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000
Balanced growth CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
Homepage promotional banner: Build your savings faster. Earn more with a 11-mo. or 18-mo. CD at 4.20% APY.
Terms: See Terms
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Interest compounded monthly; fixed for the term; automatically renews; early withdrawal penalty of 180 days of interest
Balance: $100,000.00 and over
Effective Date: October 9, 2026; Early withdrawal penalties may apply
Accurate as of 09/30/2026
$500 Minimum
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
IRA funds eligible; A penalty may be imposed for early withdrawal; Compounds annually
Expected Profit Rate 3.65%; Expected Annual % Yield 3.66%; A discount may be applied for early withdrawal; Compounds annually; Rates current as of 10/1/2026
IRA funds are eligible; A penalty may be imposed for early withdrawal; Compounds annually
$1,000 minimum - $150,000 maximum
IRA Certificate; Rates as of September 23, 2026
Certificate Rates
Balance: $10,000 or Greater
Balance: $500-$9,999
Terms from 6 months to 5 years; penalties apply for early withdrawal
$5,000 minimum opening balance
$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
Balance: $99,999.01 or more; Payment Frequency: Annually
Balance: $500 - $99,999; Payment Frequency: Annually
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Products eligible for IRA; $500 minimum opening deposit; Required balance to open and earn stated APY; APY as of 10/16/26
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $25,000.00 and above
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
Compounding: Monthly
Share Certificate Rates current as of October 23, 2026
Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000
Terms: See Terms
Long-term security CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
Special rate as of October 16, 2026; APY effective as of October 16, 2026; $2,500.00 minimum balance required to open and obtain APY
Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Balance: $100,000+; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $100,000.00 and over
Balance: $25,000.00 - $49,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $50,000.00 - $99,999.99
Early withdrawal penalty may apply
Minimum daily balance to earn APY: $2,500
Interest compounded monthly; Early withdrawal penalty: 360 days worth of interest; Auto-renews at maturity
Balance: $10,000.00 - $24,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $10,000.00 - $49,999.99
Balance: $100,000 and over
Balance: $1,000.00 - $9,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $50,000 - $99,999.99
Effective Date: October 9, 2026; Early withdrawal penalties may apply
Balance: $1,000 - $49,999.99
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Effective Date: Monday, October 19th, 2026
Balance: $25,000 & Over; Monthly compounding; Dividends paid monthly
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
Balance: $99,999.01 or more; Payment Frequency: Annually
Balance: $500 - $99,999; Payment Frequency: Annually
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Products eligible for IRA; $500 minimum opening deposit; Required balance to open and earn stated APY; APY as of 10/16/26
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $25,000.00 and above
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates
Current CD Rate Promotion; APY accurate as of 10/13/2026
Share Certificate Rates current as of October 23, 2026
Compounding: Monthly
Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET
Balance: $100,000+; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $100,000.00 and over (per page heading)
Balance: $25,000.00 - $49,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $50,000.00 - $99,999.99
Early withdrawal penalty may apply
Minimum daily balance to earn APY: $2,500
Interest compounded monthly; early withdrawal penalty of 360 days worth of interest; automatically renews at maturity with 10-day grace period
Balance: $10,000.00 - $24,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Retirement Liquid Share Certificates tier ($10,000.00 - $9,999,99 as printed)
Balance: $100,000 and over
Effective Date: October 9, 2026; Early withdrawal penalties may apply
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Balance: $1,000.00 - $9,999.99; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $50,000 - $99,999.99
Balance: $1,000 - $49,999.99
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Balance: $50,000.00 and over; IRA/HSA/CESA certificate; Dividends compounded and credited monthly
Products eligible for IRA; $500 minimum opening deposit; Required balance to open and earn stated APY; APY as of 10/16/26
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $25,000.00 and above
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates
Compounding: Monthly
Share Certificate Rates current as of October 23, 2026
Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Effective Date: October 9, 2026; Early withdrawal penalties may apply
Early withdrawal penalty may apply
Minimum daily balance to earn APY: $2,500
Interest compounded monthly; Early withdrawal penalty: 360 days worth of interest; Auto-renews at maturity; 10-day grace period; Funding: 60 day hold on ACH deposits
Balance: $1,000.00+; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Effective October 26, 2026
Business Checking Account required; Effective October 26, 2026
Jumbo; Dividend Rate 3.698%; Penalties may apply for early withdrawal.
Terms from 6 months to 5 years; penalties apply for early withdrawal
$5,000 minimum opening balance
$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal
$5,000 minimum opening balance
Jumbo; DDEP bonus APY 3.90%
DDEP bonus APY 3.75%
Regular term share certificate; Dividend Rate and APY as printed; penalties may apply for early withdrawal
Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Non-Relationship Pricing; Balance: $10,000 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026
Relationship pricing: must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Non-Relationship Pricing; Balance: $500 minimum; Compounding: Monthly; Also available as IRA TSC; Effective July 1, 2026
Accurate as of 09/30/2026; Minimum Balance $500
Accurate as of 09/30/2026
Effective Date: 02/04/2026
$100,000 min. deposit (Jumbo); Effective Date: 02/04/2026
$100,000 min. deposit (Jumbo)
$50,000 min. deposit
$50,000 min. deposit; Effective Date: 02/04/2026
$25,000 min. deposit
$25,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Balance: $500.00 to $49,999.99; Dividend paid monthly; early withdrawal penalty may apply
Balance: $99,999.01 or more; Payment Frequency: Annually
Balance: $500 - $99,999; Payment Frequency: Annually
Balance column: $250,000
Balance column: $100,000
Balance column: $500
Products eligible for IRA; $500 minimum opening deposit; Required balance to open and earn stated APY; APY as of 10/16/26
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $25,000.00 and above
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Balance: $1.00 - $999.99
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Share/IRA certificate; also applies to Traditional IRA Certificates and Roth IRA Certificates
Compounding: Monthly
Dividend rate 4.51%; min. earning balance $500.00
Min. earning balance: $500.00; Dividends credited monthly
Dividends credited monthly
Dividends credited monthly; early-withdrawal penalties may apply
Terms: See Terms
IRA certificate rates apply to Traditional IRA Certificates and Roth IRA Certificates
Share Certificate Rates current as of October 23, 2026
Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Balance: $100,000.00 and over
Effective Date: October 9, 2026; Early withdrawal penalties may apply
Relationship Rate; requires qualifying consumer checking, $750 monthly direct deposit, and $10,000 aggregate balance
Balance: $50,000.00 - $99,999.99
Early withdrawal penalty may apply
Minimum daily balance to earn APY: $2,500
Interest compounded monthly; Early withdrawal penalty: 360 days worth of interest; Automatically renews at maturity; Disclosure as of 10/02/2026
Balance: $1,000.00+; Rates effective 11-02-2026; Regular or IRA certificates available; Minimum opening balance is $1,000; Penalty for early withdrawal
Balance: $10,000.00 - $49,999.99
Balance: $100,000 and over
Balance: $50,000 - $99,999.99
Terms from 6 months to 5 years; penalties apply for early withdrawal
$5,000 minimum opening balance
$5,000 minimum to open; Terms from 6 months to 5 years; Penalties apply for early withdrawal
$5,000 minimum opening balance
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Compare local Peoria, 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 rose 0.038 points over the past 7 days to 3.422% APY.
Arizona 6-month CD rates rose 0.014 points over the past 7 days to 3.222% APY.
Where are Arizona CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.548% | $127.39 | $254.77 | $636.93 | $1,273.85 |
| 6-Month CD | 3.222% | $161.10 | $322.20 | $805.50 | $1,611.00 |
| 12-Month CD | 3.422% | $171.08 | $342.16 | $855.40 | $1,710.80 |
| 18-Month CD | 3.417% | $170.86 | $341.72 | $854.30 | $1,708.60 |
| 24-Month CD | 3.286% | $164.30 | $328.60 | $821.50 | $1,643.00 |
| 36-Month CD | 3.124% | $156.19 | $312.38 | $780.95 | $1,561.90 |
| 48-Month CD | 2.830% | $141.49 | $282.99 | $707.47 | $1,414.95 |
| 60-Month CD | 3.136% | $156.81 | $313.62 | $784.05 | $1,568.10 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 3, 2026. | |||||
$25,000 split equally across 5 terms using today’s Arizona average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AZ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.548% | $127.39 |
| 2 | 6-Month CD | $5,000 | 3.222% | $161.10 |
| 3 | 12-Month CD | $5,000 | 3.422% | $171.08 |
| 4 | 24-Month CD | $5,000 | 3.286% | $164.30 |
| 5 | 36-Month CD | $5,000 | 3.124% | $156.19 |
| Total ($25,000 invested) | $25,000 | 3.120% blended | $780.06/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.
MonitorBankRates tracks 933 CD rates from 29 banks and 42 credit unions with locations in Peoria, 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: Vio Bank offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Peoria, Arizona.
What to compare when shopping for a CD in Peoria, Arizona
To find the best APYs in Peoria, Arizona, start with credit unions and online-only banks: Peoria, Arizona has 42 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.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
19.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s AZ 12-month CD average of 3.422%, saving 10% of the local median salary ($5,146/year) and putting it in a CD would earn an additional $176 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
CD Product Information
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 Peoria, 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 Peoria, Arizona as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Peoria, Arizona savers easier access to their funds. For example, Desert Financial Credit Union is offering its 6 Month Jumbo Certificate at 4.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SunWest Federal Credit Union is offering its 60 Month Certificate of Deposit at 4.12% 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.
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 Peoria, 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.
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 Peoria, Arizona CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Peoria, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Peoria, Arizona rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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.
At today’s AZ top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Peoria, Arizona CD LadderAZ CD rates currently range from 2.548% (3-month) to 3.124% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Peoria, Arizona CD at 4.40% 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 SavingsArizona’s average 12-month CD is 3.422% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Peoria, 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.
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Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Peoria, 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 Peoria, 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.