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CD Rate Trends

Phoenix, 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

Phoenix, Arizona CD rates range from 0.01% to 4.80% APY, verified by MonitorBankRates as of October 13, 2026. Current Phoenix, Arizona CD rates include Mountain America Federal Credit UnionMountain America Federal Credit Union10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028A5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459A+5.0 ★Texas Ratio: 1.33%Real return: +1.65%APY minus CPI (February 2026) offering 12 Month Share Certificate at 4.45% APY, First Credit UnionFirst Credit Union803 E Devonshire Ave, Phoenix, AZ 85014A+5.0 ★Texas Ratio: 3.39%Real return: +1.60%APY minus CPI (February 2026) offering 1 Year Save-to-Win Certificate at 4.40% APY, Vio BankVio Bank3030 E Camelback Rd, Phoenix, AZ 85016A+5.0 ★Texas Ratio: 4.93%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month CD at 4.40% APY, and Navy Federal Credit UnionNavy Federal Credit Union1928 E Highland Ave, Phoenix, AZ 85016 4626A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Phoenix has 480 local institutions in our database, with CD rates as high as 4.50% APY from Mountain America Federal Credit Union at 10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028. 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: October 13, 2026

Compare Best CD Rates in Phoenix, Arizona & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Phoenix 3 Month CD Rates

Arizona 3 Month CD Average2.34% APYNational 2.09%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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%
2036 E Camelback Rd, Phoenix, AZ 85016
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%
2710 E Camelback Rd, Phoenix, AZ 85016
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
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
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
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
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%
2198 E Camelback Rd, Phoenix, AZ 85016
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%
2198 E Camelback Rd, Phoenix, AZ 85016
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%
2198 E Camelback Rd, Phoenix, AZ 85016
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%
2198 E Camelback Rd, Phoenix, AZ 85016
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%
3003 N Central Ave, Phoenix, AZ 85012
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%
3003 N Central Ave, Phoenix, AZ 85012
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%
3003 N Central Ave, Phoenix, AZ 85012
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
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
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%
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
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
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%
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
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
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
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%
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%
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%
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%
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

Phoenix 6 Month CD Rates

Arizona 6 Month CD Average3.12% APYNational 2.77%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 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 2.77%
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
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10633 N Tatum Blvd, Phoenix, AZ 85028
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 2.77%
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%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
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 2.77%
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 2.77%
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%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
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 2.77%
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%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
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 2.77%
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%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
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 2.77%
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%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
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 2.77%
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
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 2.77%
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%
803 E Devonshire Ave, Phoenix, AZ 85014
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 2.77%
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
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
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 2.77%
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%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
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 2.77%
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
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 2.77%
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
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 2.77%
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 2.77%
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%
803 E Devonshire Ave, Phoenix, AZ 85014
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 2.77%
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
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 2.77%
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 2.77%
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 2.77%
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%
645 E Missouri Ave, Phoenix, AZ 85012
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 2.77%
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 2.77%
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%
803 E Devonshire Ave, Phoenix, AZ 85014
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 2.77%
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 2.77%
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%
4950 S 48th St, Phoenix, AZ 85040
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 2.77%
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%
4950 S 48th St, Phoenix, AZ 85040
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 2.77%
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
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 2.77%
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 2.77%
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%
803 E Devonshire Ave, Phoenix, AZ 85014
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 2.77%
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%
10440 N 32nd St, Phoenix, AZ 85028
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 2.77%
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%
10440 N 32nd St, Phoenix, AZ 85028
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 2.77%
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%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
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 2.77%
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 2.77%
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
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 2.77%
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
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
6 Month (182 Day) CD
$0
3.58% ▲ 0.46% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.46% above avgNationally 2.77%
Details

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

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
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
6 Month (182 Day) CD
$0
3.53% ▲ 0.41% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▲ 0.41% above avgNationally 2.77%
Details

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

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
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
15458 N 28th Ave, Phoenix, AZ 85053
6 Month Certificate
$500
3.51% ▲ 0.39% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▲ 0.39% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
6 Month Term Share Certificates
$0
3.50% ▲ 0.38% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.38% above avgNationally 2.77%
Details

Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.75% APYOct 4, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.50%▼ from 3.75%
  • Sep 12, 20263.75%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
6-Month Certificate
$5,000
3.50% ▲ 0.38% above Arizona avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.38% above avgNationally 2.77%
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 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 6 months
$0
3.25% ▲ 0.13% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.13% above avgNationally 2.77%
Details

Rate History
1 change since Sep 12, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 12, 2026: 3.50% APYOct 4, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.25%▼ from 3.50%
  • Sep 12, 20263.50%first recorded
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
6 Month Term Share Certificate
$0
3.00% ▼ 0.12% below Arizona avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▼ 0.12% below avgNationally 2.77%
Details

Rate History
No change since Oct 6, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 6, 2026: 3.00% 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) - 6 months
$0
3.00% ▼ 0.12% below Arizona avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▼ 0.12% below avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
6 Month Certificate of Deposit
$1,000
2.75% ▼ 0.37% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▼ 0.37% below avgNationally 2.77%
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
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
6 Month Term Share Certificate
$1,000
2.75% ▼ 0.37% below Arizona avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.12%▼ 0.37% below avgNationally 2.77%
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
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
6 Month Certificate
$500
1.72% ▼ 1.40% below Arizona avg
View
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▼ 1.40% below avgNationally 2.77%
Details

Early withdrawal subject to dividend penalty

Rate History
No change since Sep 14, 2026 · 1.72% APY · checked 2 times
1.22%1.72%2.22%Sep 14, 2026: 1.72% APYSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
180 Day Certificate
$0
1.50% ▼ 1.62% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▼ 1.62% below avgNationally 2.77%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
IRA CD - 6 Months
$0
1.50% ▼ 1.62% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.12%▼ 1.62% below avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
6 Month Share Certificate
$0
1.50% ▼ 1.62% below Arizona avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▼ 1.62% below avgNationally 2.77%
Details

3rd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
6 Month Share Certificate
$0
1.45% ▼ 1.67% below Arizona avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▼ 1.67% below avgNationally 2.77%
Details

2nd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 1.45% APY
0.95%1.45%1.95%Oct 12, 2026: 1.45% APYOct 12, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
6 Month Share Certificate
$0
1.40% ▼ 1.72% below Arizona avg
View
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▼ 1.72% below avgNationally 2.77%
Details

1st Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 12, 2026: 1.40% APYOct 12, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
6 Month Share Certificate
$0
1.36% ▼ 1.76% below Arizona avg
View
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▼ 1.76% below avgNationally 2.77%
Details

Standard dividend rate; penalties for early withdrawal apply

Rate History
No change since Oct 12, 2026 · 1.36% APY
0.86%1.36%1.86%Oct 12, 2026: 1.36% APYOct 12, 2026Oct 13, 2026

Phoenix 12 Month CD Rates

Arizona 12 Month CD Average3.38% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
12 Month Share Certificate
$0
4.45% ▲ 1.07% above Arizona avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 1.07% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Save-to-Win Certificate
$25
4.40% ▲ 1.02% above Arizona avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 1.02% 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%
1928 E Highland Ave, Phoenix, AZ 85016 4626
12 Month Special EasyStart Certificate
$50
4.35% ▲ 0.97% above Arizona avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.97% 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%
10633 N Tatum Blvd, Phoenix, AZ 85028
12-MONTH CD
$500
4.30% ▲ 0.92% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.92% 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
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
12 Month CD
$500
4.30% ▲ 0.92% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.92% 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
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month Flexible Certificates
$0
4.15% ▲ 0.77% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.77% 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%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Business Certificate - 12 Months
$500
4.15% ▲ 0.77% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.77% 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%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Certificate - 12 Months
$500
4.15% ▲ 0.77% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.77% 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%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
IRA Certificate - 12 Months
$500
4.15% ▲ 0.77% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.77% 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%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Youth Certificate - 12 Months
$500
4.15% ▲ 0.77% above Arizona avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.77% 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%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
12 Month Certificate of Deposit
$0
4.12% ▲ 0.74% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.74% 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% ▲ 0.70% above Arizona avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.70% 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
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
12 Month Certificate
$0
4.05% ▲ 0.67% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.67% 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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.62% above Arizona avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.62% 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
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% ▲ 0.62% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▲ 0.62% 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% ▲ 0.62% above Arizona avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▲ 0.62% 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
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year IRA/HSA/CESA
$500
4.00% ▲ 0.62% above Arizona avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.62% 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%
4950 S 48th St, Phoenix, AZ 85040
1-Year CD
$0
4.00% ▲ 0.62% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.62% 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%
4950 S 48th St, Phoenix, AZ 85040
1-Year Term
$1,000
4.00% ▲ 0.62% above Arizona avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.62% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year IRA/HSA/CESA
$500
3.95% ▲ 0.57% above Arizona avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.57% 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% ▲ 0.53% above Arizona avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.53% 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
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year IRA/HSA/CESA
$500
3.90% ▲ 0.52% above Arizona avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.52% 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
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% ▲ 0.47% above Arizona avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.47% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate
$50,000
3.85% ▲ 0.47% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.47% 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% ▲ 0.42% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.42% 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
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate
$25,000
3.80% ▲ 0.42% above Arizona avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.42% above avgNationally 2.99%
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
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
12 Month Term Share Certificates
$0
3.75% ▲ 0.37% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
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
1 Year Certificate
$1,000
3.75% ▲ 0.37% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
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 · 3.75% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate
$10,000
3.75% ▲ 0.37% above Arizona avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
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
1 Year Share Certificate
$500
3.75% ▲ 0.37% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
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
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate
$500
3.70% ▲ 0.32% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.32% above avgNationally 2.99%
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
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
1 Year Share Certificate
$500
3.70% ▲ 0.32% above Arizona avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.32% above avgNationally 2.99%
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
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
1 Year (12 Month) CD
$0
3.55% ▲ 0.17% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▲ 0.17% above avgNationally 2.99%
Details

Balance: $99,999.01 or more; 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
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
15458 N 28th Ave, Phoenix, AZ 85053
1 Year Certificate
$500
3.51% ▲ 0.13% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
1 Year (12 Month) CD
$0
3.50% ▲ 0.12% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details

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

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
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
12 Month Term Share Certificates
$0
3.50% ▲ 0.12% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.75% APYOct 4, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.50%▼ from 3.75%
  • Sep 12, 20263.75%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 12 months
$0
3.50% ▲ 0.12% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.75% APYOct 4, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.50%▼ from 3.75%
  • Sep 12, 20263.75%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
12-Month Certificate
$5,000
3.50% ▲ 0.12% above Arizona avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
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 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
12 Month CD
$0
3.50% ▲ 0.12% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details

Relationship Rate APY: 3.76%

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
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
Business 12 Month CD
$0
3.50% ▲ 0.12% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
12 Month Certificate of Deposit
$1,000
3.25% ▼ 0.13% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
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
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
12 Month IRA Certificate
$1,000
3.25% ▼ 0.13% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
Details

Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 2, 2026: 3.25% APYOct 2, 2026Oct 13, 2026
Goldwater Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.20%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD - 12 Month Liquid CD - no penalty
$0
3.25% ▼ 0.13% below Arizona avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 7, 2026: 3.25% APYSep 7, 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
12 Month Term Share Certificate
$0
3.25% ▼ 0.13% below Arizona avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% 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) - 12 months
$0
3.25% ▼ 0.13% below Arizona avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▼ 0.13% below avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 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
12 Month Certificate Accounts
$0
3.15% ▼ 0.23% below Arizona avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 0.23% below avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% 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
12 Month Certificate Accounts
$0
3.10% ▼ 0.28% below Arizona avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 0.28% below avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% 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
12 Month Certificate Accounts
$0
3.05% ▼ 0.33% below Arizona avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 0.33% below avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% 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
12 Month Term Share Certificate
$1,000
3.00% ▼ 0.38% below Arizona avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.38%▼ 0.38% below avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 6, 2026: 3.00% APYOct 6, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
12 Month Share Certificate
$0
2.15% ▼ 1.23% below Arizona avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 1.23% below avgNationally 2.99%
Details

3rd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 2.15% APY
1.65%2.15%2.65%Oct 12, 2026: 2.15% APYOct 12, 2026Oct 13, 2026

Phoenix 18 Month CD Rates

Arizona 18 Month CD Average3.27% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
18 Month Share Certificate
$0
4.35% ▲ 1.08% above Arizona avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 1.08% above avgNationally 2.88%
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%
3030 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$500
4.35% ▲ 1.08% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▲ 1.08% above avgNationally 2.88%
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%
645 E Missouri Ave, Phoenix, AZ 85012
18 Month Term Share Certificates
$0
4.25% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.98% 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
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10633 N Tatum Blvd, Phoenix, AZ 85028
18-MONTH CD
$500
4.25% ▲ 0.98% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▲ 0.98% above avgNationally 2.88%
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
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
18 Month Certificate
$0
4.15% ▲ 0.88% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.88% above avgNationally 2.88%
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%
22601 N 19th Ave, Phoenix, AZ 85027
18-mo. CD
$0
4.00% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
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% ▲ 0.73% above Arizona avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
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% ▲ 0.73% above Arizona avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
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%
645 E Missouri Ave, Phoenix, AZ 85012
18 Month Term Share Certificates
$0
4.00% ▲ 0.73% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.73% 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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.43% above Arizona avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▲ 0.43% above avgNationally 2.88%
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
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
18 Month IRA CD
$0
3.60% ▲ 0.33% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▲ 0.33% above avgNationally 2.88%
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%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.58% ▲ 0.31% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.31% above avgNationally 2.88%
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
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.53% ▲ 0.26% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.26% above avgNationally 2.88%
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
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% ▲ 0.23% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▲ 0.23% above avgNationally 2.88%
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% ▲ 0.18% above Arizona avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▲ 0.18% above avgNationally 2.88%
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
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% ▼ 0.02% below Arizona avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▼ 0.02% below avgNationally 2.88%
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
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% ▼ 0.52% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
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% ▼ 0.52% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
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%
4950 S 48th St, Phoenix, AZ 85040
18-Month CD
$0
2.75% ▼ 0.52% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
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%
4950 S 48th St, Phoenix, AZ 85040
18-Month Term
$1,000
2.75% ▼ 0.52% below Arizona avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
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
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% ▼ 1.62% below Arizona avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.62% below avgNationally 2.88%
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% ▼ 1.62% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.62% below avgNationally 2.88%
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% ▼ 1.62% below Arizona avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.62% below avgNationally 2.88%
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 Jumbo CD
$95,000
1.64% ▼ 1.63% below Arizona avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.63% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 6 times
1.14%1.64%2.14%Sep 18, 2026: 1.64% 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
1.64% ▼ 1.63% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.63% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 6 times
1.14%1.64%2.14%Sep 18, 2026: 1.64% 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
1.64% ▼ 1.63% below Arizona avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.63% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 6 times
1.14%1.64%2.14%Sep 18, 2026: 1.64% APYSep 18, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
18 Month Certificate
$0
1.50% ▼ 1.77% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
IRA CD - 18 Months
$0
1.50% ▼ 1.77% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 1.77% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
11011 N Tatum Blvd, Phoenix, AZ 85028
18 Month Certificate
$1,000
1.00% ▼ 2.27% below Arizona avg
View
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▼ 2.27% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
18 Month IRA Certificates
$0
0.75% ▼ 2.52% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▼ 2.52% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% 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
18 Month Standard CD
$0
0.75% ▼ 2.52% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.27%▼ 2.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
18 Month Certificate of Deposit
$0
0.03% ▼ 3.24% below Arizona avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 3.24% below avgNationally 2.88%
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%
3003 N Central Ave, Phoenix, AZ 85012
18 Month Certificate of Deposit
$0
0.02% ▼ 3.25% below Arizona avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 3.25% below avgNationally 2.88%
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
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
18 Month CD
$500
0.02% ▼ 3.25% below Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 3.25% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
18 Month Certificate of Deposit
$0
0.01% ▼ 3.26% below Arizona avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▼ 3.26% below avgNationally 2.88%
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
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18-Month Special Certificate
$500
4.50% ▲ 1.23% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 1.23% above avgNationally 2.88%
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%
18-Month Certificate of Deposit
$500
4.40% ▲ 1.13% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 1.13% above avgNationally 2.88%
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
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20% ▲ 0.93% above Arizona avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.93% above avgNationally 2.88%
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%
18-Month CD
$0
4.15% ▲ 0.88% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.88% above avgNationally 2.88%
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
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.73% above Arizona avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
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%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.73% above Arizona avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
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%
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.68% above Arizona avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.68% above avgNationally 2.88%
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%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.68% above Arizona avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.68% above avgNationally 2.88%
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%
18 Month Share Certificate
$1,000
3.90% ▲ 0.63% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.63% above avgNationally 2.88%
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%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.63% above Arizona avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.63% above avgNationally 2.88%
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%
18 Month Certificate
$0
3.87% ▲ 0.60% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.60% above avgNationally 2.88%
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%
18 Month Certificate
$500
3.85% ▲ 0.58% above Arizona avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.58% above avgNationally 2.88%
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%
18 Month Certificate of Deposit
$500
3.75% ▲ 0.48% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.27%▲ 0.48% above avgNationally 2.88%
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
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 18 Months
$500
3.65% ▲ 0.38% above Arizona avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.38% above avgNationally 2.88%
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%
Promotional Term Share Certificates - 18 Months
$1,000
3.60% ▲ 0.33% above Arizona avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.33% above avgNationally 2.88%
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

Phoenix 24 Month CD Rates

Arizona 24 Month CD Average3.14% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
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%
3030 E Camelback Rd, Phoenix, AZ 85016
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
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
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
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
10633 N Tatum Blvd, Phoenix, AZ 85028
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%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
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
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
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
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
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%
803 E Devonshire Ave, Phoenix, AZ 85014
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%
803 E Devonshire Ave, Phoenix, AZ 85014
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%
803 E Devonshire Ave, Phoenix, AZ 85014
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%
1928 E Highland Ave, Phoenix, AZ 85016 4626
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%
803 E Devonshire Ave, Phoenix, AZ 85014
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%
15458 N 28th Ave, Phoenix, AZ 85053
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%
10440 N 32nd St, Phoenix, AZ 85028
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%
10440 N 32nd St, Phoenix, AZ 85028
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
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
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
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
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
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
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
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
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
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Business Certificate - 24 Months
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
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
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Certificate - 24 Months
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
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
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
IRA Certificate - 24 Months
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
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
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate
$10,000
3.50% ▲ 0.36% above Arizona avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Balance: $10,000 - $25,000

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
24 Month Jump Up CD
$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

Relationship Rate APY: 3.76%

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
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
10440 N 32nd St, Phoenix, AZ 85028
Business 24 Month Jump Up CD
$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
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
2 Year Share Certificate
$500
3.50% ▲ 0.36% above Arizona avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
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
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate
$500
3.45% ▲ 0.31% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.31% above avgNationally 2.88%
Details

Balance: $500 - $10,000

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% 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
2 Year Share Certificate
$500
3.45% ▲ 0.31% above Arizona avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.31% above avgNationally 2.88%
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
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 24 months
$0
3.25% ▲ 0.11% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 12, 2026: 3.50% APYOct 4, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.25%▼ from 3.50%
  • Sep 12, 20263.50%first recorded
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
24 Month Term Share Certificate
$0
3.25% ▲ 0.11% above Arizona avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% 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) - 24 months
$0
3.25% ▲ 0.11% above Arizona avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▲ 0.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 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
24 Month Certificate Accounts
$0
3.13% ▼ 0.01% below Arizona avg
View
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.01% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 5 times
2.63%3.13%3.63%Sep 14, 2026: 3.13% 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
24 Month Certificate Accounts
$0
3.07% ▼ 0.07% below Arizona avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.07% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 5 times
2.57%3.07%3.57%Sep 14, 2026: 3.07% 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
24 Month Certificate Accounts
$0
3.05% ▼ 0.09% below Arizona avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.09% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% 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 - 24 Month
$500
3.00% ▼ 0.14% below Arizona avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▼ 0.14% below avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 7, 2026: 3.00% 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 - 24 Month
$0
3.00% ▼ 0.14% below Arizona avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▼ 0.14% below avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 7, 2026: 3.00% APYSep 7, 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
24 Month Term Share Certificate
$1,000
3.00% ▼ 0.14% below Arizona avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.14%▼ 0.14% below avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 6, 2026: 3.00% APYOct 6, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
24 Month Share Certificate
$0
2.90% ▼ 0.24% below Arizona avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.24% below avgNationally 2.88%
Details

3rd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 12, 2026: 2.90% APYOct 12, 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
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
2.85% ▼ 0.29% below Arizona avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.29% below avgNationally 2.88%
Details

Retirement Accounts; Dividends paid quarterly

Rate History
No change since Oct 8, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 8, 2026: 2.85% APYOct 8, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
24 Month Share Certificate
$0
2.85% ▼ 0.29% below Arizona avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.29% below avgNationally 2.88%
Details

2nd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 12, 2026: 2.85% APYOct 12, 2026Oct 13, 2026
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
24 Month Promotional Share Certificate
$2,000
2.85% ▼ 0.29% below Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▼ 0.29% below avgNationally 2.88%
Details

Limited Time Offer. Earn 2.85% APY when you move your money from an outside bank to a high-yield 24-month Share Certificate from OneAZ. Promotional APY is available for both consumer (excluding IRA's) and business accounts. Membership qualifications apply.

Rate History
No change since Oct 9, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 9, 2026: 2.85% APYOct 9, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
24 Month Share Certificate
$0
2.80% ▼ 0.34% below Arizona avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.34% below avgNationally 2.88%
Details

1st Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 12, 2026: 2.80% APYOct 12, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
24 Month Share Certificate
$0
2.79% ▼ 0.35% below Arizona avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.35% below avgNationally 2.88%
Details

Standard dividend rate; penalties for early withdrawal apply

Rate History
No change since Oct 12, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 12, 2026: 2.79% APYOct 12, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates - 24 Months
$0
2.79% ▼ 0.35% below Arizona avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.35% below avgNationally 2.88%
Details

Effective Date: 03/30/2026; Minimum balance is $500; Annual IRA Service Fee $15.00; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 12, 2026: 2.79% APYOct 12, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
24000 N Farmers Way, Phoenix, AZ 85085
24 Month Certificate of Deposit
$1,000
2.75% ▼ 0.39% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.14%▼ 0.39% below avgNationally 2.88%
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

Phoenix 36 Month CD Rates

Arizona 36 Month CD Average2.98% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
36 Month Share Certificate
$0
4.25% ▲ 1.27% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 1.27% 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%
1928 E Highland Ave, Phoenix, AZ 85016 4626
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.17% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 1.17% 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%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
36 Month Certificate of Deposit
$0
4.12% ▲ 1.14% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 1.14% 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%
1928 E Highland Ave, Phoenix, AZ 85016 4626
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.12% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 1.12% 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
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
36 Month Term Share Certificates
$0
4.00% ▲ 1.02% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 1.02% 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
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% ▲ 0.82% above Arizona avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.82% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year IRA/HSA/CESA
$500
3.80% ▲ 0.82% above Arizona avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.82% 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%
645 E Missouri Ave, Phoenix, AZ 85012
36 Month Term Share Certificates
$0
3.75% ▲ 0.77% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.77% 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% ▲ 0.77% above Arizona avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.77% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year IRA/HSA/CESA
$500
3.75% ▲ 0.77% above Arizona avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.77% 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%
10440 N 32nd St, Phoenix, AZ 85028
36 Month IRA CD
$0
3.75% ▲ 0.77% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.77% 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% ▲ 0.72% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.72% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year IRA/HSA/CESA
$500
3.70% ▲ 0.72% above Arizona avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.72% 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%
10440 N 32nd St, Phoenix, AZ 85028
36 Month CD
$0
3.70% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.72% 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%
10440 N 32nd St, Phoenix, AZ 85028
Business 36 Month CD
$0
3.70% ▲ 0.72% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.72% 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% ▲ 0.67% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.67% 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% ▲ 0.67% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.67% 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% ▲ 0.67% above Arizona avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.67% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year Certificate
$50,000
3.65% ▲ 0.67% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.67% 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%
15458 N 28th Ave, Phoenix, AZ 85053
3 Year Certificate
$500
3.65% ▲ 0.67% above Arizona avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.67% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year Certificate
$500
3.60% ▲ 0.62% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.62% 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%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.55% ▲ 0.57% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.57% 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%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year Certificate
$10,000
3.55% ▲ 0.57% above Arizona avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.57% 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%
10440 N 32nd St, Phoenix, AZ 85028
36 Month Jump Up CD
$0
3.55% ▲ 0.57% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.57% 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%
10440 N 32nd St, Phoenix, AZ 85028
Business 36 Month Jump Up CD
$0
3.55% ▲ 0.57% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.57% 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
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% ▲ 0.52% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.52% 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% ▲ 0.52% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.52% 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%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.50% ▲ 0.52% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.52% 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
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ 85040
36 Month Term Share Certificate
$0
3.50% ▲ 0.52% above Arizona avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
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
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) - 36 months
$0
3.50% ▲ 0.52% above Arizona avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3030 E Camelback Rd, Phoenix, AZ 85016
36 Month CD
$500
3.50% ▲ 0.52% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
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
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
3.40% ▲ 0.42% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.42% above avgNationally 2.81%
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
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
3.40% ▲ 0.42% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.42% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.40% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.40%▼ from 3.50%
  • Oct 2, 20263.50%first recorded
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
3.25% ▲ 0.27% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
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
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
3.25% ▲ 0.27% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 2, 2026: 3.25% APYOct 2, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month Flexible Certificates
$0
3.25% ▲ 0.27% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Business Certificate - 36 Months
$500
3.25% ▲ 0.27% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Certificate - 36 Months
$500
3.25% ▲ 0.27% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
IRA Certificate - 36 Months
$500
3.25% ▲ 0.27% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Youth Certificate - 36 Months
$500
3.25% ▲ 0.27% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% 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
36 Month Term Share Certificate
$1,000
3.25% ▲ 0.27% above Arizona avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% APYOct 6, 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
36 Month Certificate Accounts
$0
3.23% ▲ 0.25% above Arizona avg
View
▼
Rate3.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.25% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.23% APY · checked 5 times
2.73%3.23%3.73%Sep 14, 2026: 3.23% 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
36 Month Certificate Accounts
$0
3.18% ▲ 0.20% above Arizona avg
View
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.20% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.18% APY · checked 5 times
2.68%3.18%3.68%Sep 14, 2026: 3.18% 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
36 Month Certificate Accounts
$0
3.13% ▲ 0.15% above Arizona avg
View
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.15% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.13% APY · checked 5 times
2.63%3.13%3.63%Sep 14, 2026: 3.13% 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 - 3 Year
$500
3.00% ▲ 0.02% above Arizona avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.02% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 7, 2026: 3.00% 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 - 3 Year
$0
3.00% ▲ 0.02% above Arizona avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.98%▲ 0.02% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 7, 2026: 3.00% APYSep 7, 2026Oct 13, 2026
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
3 Year Share Certificate
$500
3.00% ▲ 0.02% above Arizona avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▲ 0.02% above avgNationally 2.81%
Details

Balance: $10,000 or Greater

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
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
3 Year Share Certificate
$500
2.95% ▼ 0.03% below Arizona avg
View
▼
Rate2.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.98%▼ 0.03% below avgNationally 2.81%
Details

Balance: $500-$9,999

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 7 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 13, 2026
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
36-Month Share Certificate
$2,000
2.85% ▼ 0.13% below Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▼ 0.13% below avgNationally 2.81%
Details

This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty.

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 36 months
$0
2.75% ▼ 0.23% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▼ 0.23% below avgNationally 2.81%
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

Phoenix 48 Month CD Rates

Arizona 48 Month CD Average2.67% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 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
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
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
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
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%
645 E Missouri Ave, Phoenix, AZ 85012
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%
15458 N 28th Ave, Phoenix, AZ 85053
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
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
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
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
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
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
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
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%
3030 E Camelback Rd, Phoenix, AZ 85016
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
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months (48-59 Months) - Loyalty Program Platinum Tier
$0
1.95% ▼ 0.72% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 0.72% below avgNationally 2.80%
Details

Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)

Rate History
No change since Oct 7, 2026 · 1.95% APY · checked 2 times
1.45%1.95%2.45%Oct 7, 2026: 1.95% APYOct 7, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months (48-59 Months) - Loyalty Program Gold Tier
$0
1.85% ▼ 0.82% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 0.82% below avgNationally 2.80%
Details

Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)

Rate History
No change since Oct 7, 2026 · 1.85% APY · checked 2 times
1.35%1.85%2.35%Oct 7, 2026: 1.85% APYOct 7, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months (48-59 Months) - Loyalty Program Silver Tier
$0
1.75% ▼ 0.92% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 0.92% below avgNationally 2.80%
Details

Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)

Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 7, 2026: 1.75% APYOct 7, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months (48-59 Months) - Loyalty Program Bronze Tier
$0
1.65% ▼ 1.02% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.02% below avgNationally 2.80%
Details

Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)

Rate History
No change since Oct 7, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Oct 7, 2026: 1.65% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
4 Year Certificate
$0
1.50% ▼ 1.17% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.17% below avgNationally 2.80%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
IRA CD - 4 Years
$0
1.50% ▼ 1.17% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.17% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Month Certificate (48-59 Months)
$0
1.45% ▼ 1.22% below Arizona avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.22% below avgNationally 2.80%
Details

Base Interest Rate (Consumer Rate Sheet): 1.45%

Rate History
No change since Oct 7, 2026 · 1.45% APY · checked 2 times
0.95%1.45%1.95%Oct 7, 2026: 1.45% APYOct 7, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Jumbo CD
$95,000
1.25% ▼ 1.42% below Arizona avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.42% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Standard CD
$1,000
1.25% ▼ 1.42% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.42% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Super jumbo CD
$175,000
1.25% ▼ 1.42% below Arizona avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.42% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Jumbo CD
$95,000
1.24% ▼ 1.43% below Arizona avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.43% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 6 times
0.74%1.24%1.74%Sep 18, 2026: 1.24% APYSep 18, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Standard CD
$1,000
1.24% ▼ 1.43% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.43% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 6 times
0.74%1.24%1.74%Sep 18, 2026: 1.24% APYSep 18, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Super jumbo CD
$175,000
1.24% ▼ 1.43% below Arizona avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 1.43% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.24% APY · checked 6 times
0.74%1.24%1.74%Sep 18, 2026: 1.24% APYSep 18, 2026Oct 13, 2026
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
11011 N Tatum Blvd, Phoenix, AZ 85028
48 Month Certificate
$1,000
1.00% ▼ 1.67% below Arizona avg
View
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▼ 1.67% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
51 East Camelback Road, Phoenix, AZ 85012
48 Month IRA Certificates
$0
0.75% ▼ 1.92% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% 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
48 Month Standard CD
$0
0.75% ▼ 1.92% below Arizona avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
4-Year CD
$0
0.50% ▼ 2.17% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▼ 2.17% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
4-Year Term
$1,000
0.50% ▼ 2.17% below Arizona avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▼ 2.17% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
4-Year RampUp
$50,000
0.25% ▼ 2.42% below Arizona avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average2.67%▼ 2.42% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 13, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4950 S 48th St, Phoenix, AZ 85040
4 Year CD
$500
0.15% ▼ 2.52% below Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.52% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
48 Month Certificate of Deposit
$0
0.03% ▼ 2.64% below Arizona avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.64% below avgNationally 2.80%
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%
3003 N Central Ave, Phoenix, AZ 85012
48 Month Certificate of Deposit
$0
0.02% ▼ 2.65% below Arizona avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.65% below avgNationally 2.80%
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
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Jumbo CD
$95,000
0.01% ▼ 2.66% below Arizona avg
View
▼
RateN/A
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Standard CD
$1,000
0.01% ▼ 2.66% below Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 13, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Super jumbo CD
$175,000
0.01% ▼ 2.66% below Arizona avg
View
▼
RateN/A
Min Deposit$175,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3003 N Central Ave, Phoenix, AZ 85012
48 Month Certificate of Deposit
$0
0.01% ▼ 2.66% below Arizona avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
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
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
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%
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
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
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%
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
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

Phoenix 60 Month CD Rates

Arizona 60 Month CD Average3.04% APYNational 2.91%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
60 Month Certificate
$0
4.50% ▲ 1.46% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.46% above avgNationally 2.91%
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
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% ▲ 1.21% above Arizona avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.21% above avgNationally 2.91%
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% ▲ 1.11% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 1.11% above avgNationally 2.91%
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% ▲ 1.11% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 1.11% above avgNationally 2.91%
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%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
60 Month Certificate of Deposit
$0
4.12% ▲ 1.08% above Arizona avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 1.08% above avgNationally 2.91%
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
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% ▲ 0.96% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
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% ▲ 0.96% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
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%
645 E Missouri Ave, Phoenix, AZ 85012
60 Month Term Share Certificates
$0
4.00% ▲ 0.96% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1928 E Highland Ave, Phoenix, AZ 85016 4626
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.86% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
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% ▲ 0.86% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
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% ▲ 0.86% above Arizona avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
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
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year IRA/HSA/CESA
$500
3.90% ▲ 0.86% above Arizona avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.86% above avgNationally 2.91%
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%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year IRA/HSA/CESA
$500
3.86% ▲ 0.82% above Arizona avg
View
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.82% above avgNationally 2.91%
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%
1928 E Highland Ave, Phoenix, AZ 85016 4626
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.81% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.81% above avgNationally 2.91%
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%
15458 N 28th Ave, Phoenix, AZ 85053
5 Year Certificate
$500
3.85% ▲ 0.81% above Arizona avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.81% above avgNationally 2.91%
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
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year IRA/HSA/CESA
$500
3.80% ▲ 0.76% above Arizona avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.76% above avgNationally 2.91%
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%
10440 N 32nd St, Phoenix, AZ 85028
60 Month CD
$0
3.80% ▲ 0.76% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.76% above avgNationally 2.91%
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%
10440 N 32nd St, Phoenix, AZ 85028
Business 60 Month CD
$0
3.80% ▲ 0.76% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.76% above avgNationally 2.91%
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% ▲ 0.71% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
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% ▲ 0.71% above Arizona avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
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%
645 E Missouri Ave, Phoenix, AZ 85012
60 Month Term Share Certificates
$0
3.75% ▲ 0.71% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
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%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate
$50,000
3.75% ▲ 0.71% above Arizona avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
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% ▲ 0.66% above Arizona avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.66% above avgNationally 2.91%
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%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate
$25,000
3.70% ▲ 0.66% above Arizona avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.66% above avgNationally 2.91%
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%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate
$10,000
3.65% ▲ 0.61% above Arizona avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.61% above avgNationally 2.91%
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%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate
$500
3.60% ▲ 0.56% above Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.56% above avgNationally 2.91%
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%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.55% ▲ 0.51% above Arizona avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.51% above avgNationally 2.91%
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
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.50% ▲ 0.46% above Arizona avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▲ 0.46% above avgNationally 2.91%
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
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60 Month Certificate Accounts
$0
3.30% ▲ 0.26% above Arizona avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.26% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% 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
60 Month Certificate Accounts
$0
3.25% ▲ 0.21% above Arizona avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
60 Month Flexible Certificates
$0
3.25% ▲ 0.21% above Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Business Certificate - 60 Months
$500
3.25% ▲ 0.21% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
Certificate - 60 Months
$500
3.25% ▲ 0.21% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
IRA Certificate - 60 Months
$500
3.25% ▲ 0.21% above Arizona avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% 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 - 5 Year
$500
3.00% ▼ 0.04% below Arizona avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 0.04% below avgNationally 2.91%
Details

Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 7, 2026: 3.00% 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 - 5 Year
$0
3.00% ▼ 0.04% below Arizona avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 0.04% below avgNationally 2.91%
Details

Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 7, 2026: 3.00% 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
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.00% ▼ 0.04% below Arizona avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.04% below avgNationally 2.91%
Details

Retirement Accounts; Dividends paid quarterly

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
1812 W Monroe St, PHOENIX, AZ 85007
60-Month Share Certificate
$2,000
2.85% ▼ 0.19% below Arizona avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▼ 0.19% below avgNationally 2.91%
Details

This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty.

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
645 E Missouri Ave, Phoenix, AZ 85012
Business & Non-Profit Term Share Certificates - 60 months
$0
2.75% ▼ 0.29% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.29% below avgNationally 2.91%
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%
3030 E Camelback Rd, Phoenix, AZ 85016
60 Month CD
$500
2.75% ▼ 0.29% below Arizona avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arizona Average3.04%▼ 0.29% below avgNationally 2.91%
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
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
60 Month Share Certificate
$0
2.65% ▼ 0.39% below Arizona avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.39% below avgNationally 2.91%
Details

3rd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 12, 2026: 2.65% APYOct 12, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
60 Month Share Certificate
$0
2.60% ▼ 0.44% below Arizona avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.44% below avgNationally 2.91%
Details

2nd Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 12, 2026: 2.60% APYOct 12, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
60 Month Share Certificate
$0
2.55% ▼ 0.49% below Arizona avg
View
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.49% below avgNationally 2.91%
Details

1st Service rate; earn an additional .05% for each of: Payroll or Direct deposit, MFCU Checking Account, MFCU Visa Credit Card

Rate History
No change since Oct 12, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 12, 2026: 2.55% APYOct 12, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
60 Month Share Certificate
$0
2.53% ▼ 0.51% below Arizona avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.51% below avgNationally 2.91%
Details

Standard dividend rate; penalties for early withdrawal apply

Rate History
No change since Oct 12, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 12, 2026: 2.53% APYOct 12, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates - 60 Months
$0
2.53% ▼ 0.51% below Arizona avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.51% below avgNationally 2.91%
Details

Effective Date: 03/30/2026; Minimum balance is $500; Annual IRA Service Fee $15.00; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 12, 2026: 2.53% APYOct 12, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Loyalty Program Platinum Tier
$0
2.00% ▼ 1.04% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.04% below avgNationally 2.91%
Details

Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)

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
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Loyalty Program Gold Tier
$0
1.90% ▼ 1.14% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.14% below avgNationally 2.91%
Details

Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)

Rate History
No change since Oct 7, 2026 · 1.90% APY · checked 2 times
1.40%1.90%2.40%Oct 7, 2026: 1.90% APYOct 7, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Loyalty Program Silver Tier
$0
1.80% ▼ 1.24% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.24% below avgNationally 2.91%
Details

Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)

Rate History
No change since Oct 7, 2026 · 1.80% APY · checked 2 times
1.30%1.80%2.30%Oct 7, 2026: 1.80% APYOct 7, 2026Oct 13, 2026
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Loyalty Program Bronze Tier
$0
1.70% ▼ 1.34% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.34% below avgNationally 2.91%
Details

Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)

Rate History
No change since Oct 7, 2026 · 1.70% APY · checked 2 times
1.20%1.70%2.20%Oct 7, 2026: 1.70% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ 85016
5 Year Certificate
$0
1.50% ▼ 1.54% below Arizona avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arizona Average3.04%▼ 1.54% below avgNationally 2.91%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 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 Phoenix, Arizona Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
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%
Bankers Trust Company
3 Month Certificate of Deposit - Loyalty Program Platinum Tier
A+ 5.0 ★ TX: 2.48%
Min: $0
4.06%
Western State Bank
18-mo. CD
A 5.0 ★ TX: 6.13%
Min: $0
4.00%
Goldwater Bank
CERTIFICATES OF DEPOSIT - 12 Month
C+ 4.1 ★ TX: 26.20%
Min: $500
4.00%
CU Top 5 Credit Union Rates
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.50%
San Diego Firefighters Federal Credit Union
12 Month Share Certificate
A+ 5.0 ★ TX: 1.33%
Min: $0
4.45%
First Credit Union
1 Year Save-to-Win Certificate
A+ 5.0 ★ TX: 3.39%
Min: $25
4.40%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Pima Federal Credit Union
18 Month Term Share Certificates
A+ 5.0 ★ TX: 3.94%
Min: $0
4.25%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Phoenix, AZ CD Rate Trends

Compare local Phoenix, 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.

View Full Arizona CD Trends
12-Month CD AZ Avg
3.378%
▲ 0.026 vs 7 days ago

Arizona 12-month CD rates rose 0.026 points over the past 7 days to 3.378% APY.

6-Month CD AZ Avg
3.121%
▲ 0.006 vs 7 days ago

Arizona 6-month CD rates rose 0.006 points over the past 7 days to 3.121% 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
3.378%
6-Month Forecast
3.378%
Range: 3.18%, 3.53%
12-Month Forecast
3.628%
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 2.343% $117.14 $234.28 $585.70 $1,171.40
6-Month CD 3.121% $156.07 $312.14 $780.35 $1,560.70
12-Month CD 3.378% $168.92 $337.83 $844.58 $1,689.15
18-Month CD 3.265% $163.26 $326.51 $816.28 $1,632.55
24-Month CD 3.140% $157.01 $314.02 $785.05 $1,570.10
36-Month CD 2.977% $148.86 $297.71 $744.28 $1,488.55
48-Month CD 2.669% $133.43 $266.85 $667.13 $1,334.25
60-Month CD 3.041% $152.07 $304.14 $760.35 $1,520.70
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 Phoenix, 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 2.343% $117.14
2 6-Month CD $5,000 3.121% $156.07
3 12-Month CD $5,000 3.378% $168.92
4 24-Month CD $5,000 3.140% $157.01
5 36-Month CD $5,000 2.977% $148.86
Total ($25,000 invested) $25,000 2.992% blended $748.00/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.

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883
CD Rates
Tracked in Phoenix, Arizona
26 Banks 39 Credit Unions

About Our Phoenix, Arizona CD Rate Database

MonitorBankRates tracks 883 CD rates from 26 banks and 39 credit unions with locations in Phoenix, 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: Mountain America Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Phoenix, Arizona.

How to Find the Best CD Rates in Phoenix, Arizona

What to compare when shopping for a CD in Phoenix, Arizona

To find the best APYs in Phoenix, Arizona, start with credit unions and online-only banks: Phoenix, 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 Phoenix, 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 Phoenix, Arizona: 65 institutions here report CD rates

Consider an Alternative If…

Phoenix, Arizona Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
12.2%
National avg: 17.3%
Median Individual Earnings
$43,488
National avg: $47,340
Poverty Rate
13.7%
National avg: 11.1%
Unemployment Rate
5.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$147/yr
At AZ 12-mo avg 3.378% APY

12.2% of residents are 65 or older, below the national average of 17.3%. At today’s AZ 12-month CD average of 3.378%, saving 10% of the local median salary ($4,348/year) and putting it in a CD would earn an additional $147 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 Phoenix, 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 Phoenix, 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 Phoenix, 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 Phoenix, Arizona as everywhere in the U.S.

Choosing a CD Term in Phoenix, 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 Phoenix, Arizona savers easier access to their funds. For example, San Diego Firefighters Federal Credit Union is offering its 6 Month Share Certificate at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mountain America Federal Credit Union is offering its 60 Month Certificate at 4.50% 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 Phoenix, 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 Phoenix, 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 Phoenix, 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 Phoenix, 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 Phoenix, Arizona

Most CDs carry a fixed rate that is locked for the entire term, protecting a Phoenix, 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 Phoenix, Arizona

Are CD rates in Phoenix, Arizona FDIC insured?

Yes, most established banks in Phoenix, 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 Phoenix, 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 Phoenix, 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 Phoenix, 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 Phoenix, Arizona?

Here are recent top rates found for this area:
  • Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
  • San Diego Firefighters Federal Credit Union: 4.45% APY (12 Month Share Certificate)
  • 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)
  • Flagstar Bank, National Association: 4.30% APY (12-MONTH CD)
  • Pima Federal Credit Union: 4.25% APY (18 Month Term Share Certificates)
  • Farmers Insurance Federal Credit Union: 4.15% APY (60 Month Certificate of Deposit)
  • Credit Union West Credit Union: 4.15% APY (12 Month Flexible Certificates)
  • SunWest Federal Credit Union: 4.12% APY (12 Month Certificate of Deposit)
Rates reflect recent verified offers available in Phoenix, Arizona. Last Updated: October 13, 2026

Phoenix, 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 Phoenix, 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 Phoenix, 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 Phoenix, Arizona. Averages shown use the Arizona state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Phoenix, Arizona

Phoenix, Arizona CD Calculator

At today’s AZ top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Phoenix, Arizona CD Ladder

AZ CD rates currently range from 2.343% (3-month) to 2.977% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Phoenix, Arizona CD at 4.50% 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 3.378% 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 Phoenix, 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 Phoenix, 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 Phoenix, 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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