CD Rates Phoenix, Arizona (AZ) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Phoenix, Arizona CD rates include Copper State Credit UnionCopper State Credit Union15458 N 28th Ave, Phoenix, AZ 85053A5.0 ★Texas Ratio: 7.57%Real return: +1.20%APY minus CPI (February 2026) offering 1 Year Business Certificate at 4.00% APY, Pima Federal Credit UnionPima Federal Credit Union645 E Missouri Ave, Phoenix, AZ 85012A+5.0 ★Texas Ratio: 2.69%Real return: +1.20%APY minus CPI (February 2026) offering 6 months Term Share Certificates at 4.00% APY, Goldwater BankGoldwater Bank2525 E Camelback Rd, Phoenix, AZ 85016A5.0 ★Texas Ratio: 11.19%Real return: +1.20%APY minus CPI (February 2026) offering CERTIFICATES OF DEPOSIT - 12 Month at 4.00% APY, Sharefax Credit UnionSharefax Credit Union615 N 48th St, Phoenix, AZ 85008 6608A+5.0 ★Texas Ratio: 4.21%Real return: +1.20%APY minus CPI (February 2026) offering IRA & HSA Certificates 18 Months Platinum at 4.00% APY, and Vantage West Credit UnionVantage West Credit Union10440 N 32nd St, Phoenix, AZ 85028A5.0 ★Texas Ratio: 6.58%Real return: +1.01%APY minus CPI (February 2026) offering 60 Month CD at 3.81% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.
Phoenix has 66 local institutions in our database, with CD rates as high as 4.00% APY from Copper State Credit Union at 15458 N 28th Ave, Phoenix, AZ 85053. 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 — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in Phoenix, Arizona & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 90 Day
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Month (91 Day) CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 months Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
New 3 Mo Share Certificate
$10,000
3.29%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 3 Month
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ 85012
6 months Term Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
6 Month Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD 6 Month Liquid CD - no penalty
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
11209 N Tatum Blvd, Phoenix, AZ 85028
6 Month CD
$5,000
3.80%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
6 Month CD
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
6 Month (182 Day) CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
Jumbo Savings Certificates 6 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 6 Month Platinum
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
5090 N 40th St, Phoenix, AZ 85018
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
6 months Certificate
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
6 month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificates 6 Months
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
New 6 Mo Share Certificate
$2,500
3.53%
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
PINAL COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
6-Month Share Certificate
$25,000
3.50%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 21, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
6 Mo. Certificate
$99,000
3.41%
▼
Rate—
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6 Month Term CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
6-Month Share Certificates
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 6 month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 6 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Share Certificate
$100,000
0.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6 Months Certificates
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
1 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 12 Month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ 85012
12 months Term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 12 Months Platinum
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
1 year Certificate
$0
3.61%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
College Savings Certificate 1 Year
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
1 Year (12 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
12 Month CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 N Central Ave Ste 110, Phoenix, AZ 85004
12-month fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 N Central Ave, Phoenix, AZ 85004
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
4950 S 48th St, Phoenix, AZ 85040
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Qualifying balance up to $49,000.00
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificate 12 Month
$2,000
4.30%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
GOAL SHARE CERTIFICATE 1 Year
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
New 12 Mo IRA Share Certificate
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$10,000 - $49,999.99
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
12 Mo. Certificate
$99,000
3.77%
▼
Rate—
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificates 12 Months
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1-Year Certificate
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12-Month Certificate of Deposit
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 12 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Promo Share Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 12 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
12 Month TSC or IRA TSC
$10,000
3.15%
▼
Rate3.11%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Term CD
$1,000
3.13%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 12 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
12 Months Certificates
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 18 Months Platinum
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 18 Month
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
Jumbo Savings Certificates 18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
11209 N Tatum Blvd, Phoenix, AZ 85028
18 Month CD
$5,000
3.51%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
18 Month IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificate 18 Month
$2,000
4.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and over
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Save more when you move at least $500 from another financial institution.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificates 18 Months
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 18 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 18 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
18 Month TSC or IRA TSC
$10,000
3.20%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
18 Month Term CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 18 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
18 Months Certificates
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
2 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 24 Months Platinum
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
Jumbo Savings Certificates 2 Years
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
24 Month CD
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ 85012
18, 24 months Term Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
2 years Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
2 Year (24 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 24 Month
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ 85007
24-month Share Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Share Certificate promotion
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and over
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificates 24 Months
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
24 Mo. Certificate
$99,000
3.56%
▼
Rate—
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 24 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 24 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
24 Month TSC or IRA TSC
$10,000
3.25%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2-Year Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
2 Year Share Certificates
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
24 Month Term CD
$1,000
2.86%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 24 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificates 24 Months
$0
0.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
24 Months Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
3 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 36 Months Platinum
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
36 Month CD
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
Jumbo Savings Certificates 3 Years
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
3 years Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 3 Year
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ 85085
3 years Jumbo CD
$0
0.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificates 36 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 36 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 36 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
36 Month TSC or IRA TSC
$10,000
3.35%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
36 Mo. Certificate
$99,000
3.30%
▼
Rate—
Min Deposit$99,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year Share Certificates
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificate 36 Month
$2,000
3.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
36-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
New 36 Mo Share Certificate
$10,000
3.00%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 36 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Year Certificate
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Term CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificates 36 Months
$0
0.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
4 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
Jumbo Savings Certificates 4 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 48 Months Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
4 years Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ 85085
4 years Jumbo CD
$0
0.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificates 48 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 48 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
48 Month TSC or IRA TSC
$10,000
3.40%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Share Certificates
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
48-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4-Year Certificate
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 48 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
48 month Certificate
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month Term CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificates 48 Months
$0
1.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ 85053
5 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ 85028
60 Month CD
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Relationship Rate
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
Jumbo Savings Certificates 5 Years
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ 85008 6608
IRA & HSA Certificates 60 Months Platinum
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ 85014 4040
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ 85012
30, 36, 48, 60 months Term Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT*** 5 Year
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
5 years Certificate
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ 85085
5 years Jumbo CD
$0
0.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and over
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits(Personal and Business) 60 month
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificates 60 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 60 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Rewards+ Loyalty Program
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
American Southwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
60 Month TSC or IRA TSC
$10,000
3.30%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5-Year Certificate
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year Share Certificates
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Business Share Certificate 60 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
IRA Certificate 60 Month
$2,000
2.80%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
60 Month Term CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Monthly
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificates 60 Months
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD — AZ Avg
2.652%
▼ 0.286 vs 7 days ago
Arizona 12-month CD rates fell 0.286 points over the past 7 days to 2.652% APY.
6-Month CD — AZ Avg
1.840%
▼ 0.504 vs 7 days ago
Arizona 6-month CD rates fell 0.504 points over the past 7 days to 1.840% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
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AZ CD Rate Forecast — Next 12 Months
Where are Arizona CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AZ 12-Month Avg APY
2.652%
6-Month Forecast
2.652%
Range: 2.45% – 2.80%
12-Month Forecast
2.402%
Range: 2.20% – 2.55%
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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 | 0.508% | $25.40 | $50.79 | $126.98 | $253.95 |
| 6-Month CD | 1.840% | $92.01 | $184.02 | $460.05 | $920.10 |
| 12-Month CD | 2.652% | $132.58 | $265.16 | $662.90 | $1,325.80 |
| 18-Month CD | 3.427% | $171.37 | $342.74 | $856.85 | $1,713.70 |
| 24-Month CD | 3.392% | $169.58 | $339.15 | $847.88 | $1,695.75 |
| 36-Month CD | 3.389% | $169.46 | $338.92 | $847.30 | $1,694.60 |
| 48-Month CD | 3.429% | $171.45 | $342.89 | $857.23 | $1,714.45 |
| 60-Month CD | 3.478% | $173.89 | $347.77 | $869.43 | $1,738.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
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.
| Rung | Term | Deposit | AZ Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.508% | $25.40 |
| 2 | 6-Month CD | $5,000 | 1.840% | $92.01 |
| 3 | 12-Month CD | $5,000 | 2.652% | $132.58 |
| 4 | 24-Month CD | $5,000 | 3.392% | $169.58 |
| 5 | 36-Month CD | $5,000 | 3.389% | $169.46 |
| Total ($25,000 invested) | $25,000 | 2.356% blended | $589.03/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.
37
Institutions
in Phoenix, Arizona
in Phoenix, Arizona
14 Banks
23 Credit Unions
About Our Phoenix, Arizona CD Rate Database
MonitorBankRates tracks CD rates from 14 banks and 23 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 (1–5), 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: Copper State Credit Union offers a CD at 4.00% APY with a minimum deposit of $500. 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 23 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 — 37 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Phoenix, Arizona savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Phoenix, Arizona money market rates
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
$115/yr
At AZ 12-mo avg 2.652% 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 2.652%, saving 10% of the local median salary ($4,348/year) and putting it in a CD would earn an additional $115 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 (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in 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:
- Copper State Credit Union: 4.00% APY (1 Year Business Certificate)
- Sharefax Credit Union: 4.00% APY (IRA & HSA Certificates 18 Months Platinum)
- Goldwater Bank: 4.00% APY (CERTIFICATES OF DEPOSIT*** 18 Month)
- Pima Federal Credit Union: 4.00% APY (6 months Term Share Certificates)
- Vantage West Credit Union: 3.81% APY (60 Month CD)
- Desert Financial Credit Union: 3.80% APY (Jumbo Savings Certificates 5 Years)
- NexTier Bank: 3.80% APY (6 Month CD)
- Mayo Employees Federal Credit Union: 3.61% APY (1 year Certificate)
- Bell Bank: 3.60% APY (3 Month (91 Day) CD)
- Sunflower Bank: 3.40% APY (6-Month CD Special)
Rates reflect recent verified offers available in Phoenix, Arizona. Last Updated: April 21, 2026
CD Calculators for Phoenix, Arizona
Phoenix, Arizona CD Calculator
At today’s AZ top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Phoenix, Arizona CD LadderAZ CD rates currently range from 0.508% (3-month) to 3.389% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Phoenix, Arizona CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsArizona’s average 12-month CD is 2.652% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: April 21, 2026
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