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Phoenix, Arizona Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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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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 Pima Federal Credit UnionPima Federal Credit Union645 E Missouri Ave, Phoenix, AZ 85012A+5.0 ★Texas Ratio: 1.11%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Term Share 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: 0.53%Real return: +1.50%APY minus CPI (February 2026) offering 24 Month Share Certificate at 4.30% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028A5.0 ★Texas Ratio: 7.84%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, Credit Union West Credit UnionCredit Union West Credit Union2303 N 44th St Ste 1, Phoenix, AZ 85008 2442A+5.0 ★Texas Ratio: 2.74%Real return: +1.35%APY minus CPI (February 2026) offering 12 Month Business Certificate at 4.15% APY, and Florida West Coast Credit UnionFlorida West Coast Credit Union4801 E THISTLE LANDING DR, PHOENIX, AZ 85044A+5.0 ★Texas Ratio: 1.59%Real return: +1.28%APY minus CPI (February 2026) offering 12 Month Certificate at 4.08% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Phoenix has 368 local institutions in our database, with CD rates as high as 4.50% APY from Pima Federal Credit Union at 645 E Missouri Ave, Phoenix, AZ 85012. 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: September 22, 2026
Compare Best CD Rates in Phoenix, Arizona & the Surrounding Area
Phoenix 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. 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.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
No minimum deposit.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate - Loyalty Program Platinum Tier
$0
3.80%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Interest Rate is Base Interest Rate + 0.50%
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 90 Day
$500
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.69% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 90 Day
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.69% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate - Loyalty Program Gold Tier
$0
3.70%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details
Interest Rate is Base Interest Rate + 0.40%
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Month (91 Day) CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 3 Month (91 Day) CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate - Loyalty Program Silver Tier
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Interest Rate is Base Interest Rate + 0.30%
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Month (91 Day) CD
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 3 Month (91 Day) CD
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate - Loyalty Program Bronze Tier
$0
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Interest Rate is Base Interest Rate + 0.20%
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
3 Month Share Certificate
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.34% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
3 Month Promotional CD
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Published APY range: 3.29% to 3.80%; Published rate range: 3.25% to 3.75%. Earn our highest rates* when you qualify for the Platinum tier of our Benefits Banking Loyalty Program . Open Online
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
3 Month Share Certificate
$1,000
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 months
$1,000
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.46% below avg
Details
Balance: $100,000+
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 months
$1,000
0.55%
▼ 1.51% below national avg
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.51% below avg
Details
Balance: $25,000.00 - $49,999.99
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 months
$1,000
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.56% below avg
Details
Balance: $10,000.00 - $24,999.99
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 months
$1,000
0.45%
▼ 1.61% below national avg
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.61% below avg
Details
Balance: $1,000.00 - $9,999.99
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%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
$90,000 +
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%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Balance: $90,000 +
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
90 Day Standard CD Products
$0
0.06%
▼ 2.00% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Balance: Under $100,000
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
2 N Central Ave, Phoenix, AZ 85004
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
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%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
$1,000 +
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details
UP to $99,999.99
Credit Union of Southern California
3 Month Certificate
$500
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
Rewards+ Loyalty Program
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3 Month Share Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.23% above avg
Details
Balance: $10,000 - up
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-Month Certificate
$0
3.15%
▲ 1.09% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-Month Certificate
$0
3.10%
▲ 1.04% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.04% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-Month Certificate
$0
3.05%
▲ 0.99% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
3 Month Certificate
$1,000
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.94% above avg
Details
Credit Union of Southern California
3 Month Certificate
$500
2.60%
▲ 0.54% above national avg
▼
Rate2.57%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.54% above avg
Details
Non-Rewards+ Loyalty Program
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3 Month Share Certificate
$0
2.52%
▲ 0.46% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.46% above avg
Details
Renewal; Balance: $10,000 - up
Phoenix 6 Month CD Rates
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: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
6 Month Share Certificate
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. 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.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
6 Month Term Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 6 months
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Checking Relationship
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
6 Month Business Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
6 Month Flexible Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
6 Month IRA Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
6 Month CD - Relationship
$0
3.96%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.19% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD - 6 Month Liquid CD - no penalty
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.13% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
6 Month Certificate Account
$50,000
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details
Balance: $50,000 and over
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
6 months CD
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.05% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
6 Month Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.05% above avg
Details
Balance Required to Earn Dividend Rate: $1000.00
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 6 months
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $100,000+
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
6 Month Certificate Account
$25,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $25,000 - $49,999
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 180 Day
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 180 Day
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.98% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
6 Month Term Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 6 months
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
Term Share Certificates (CD) - 6 months
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 6 months
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $25,000.00 - $49,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
6 Month Certificate Account
$10,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $10,000 - $24,999
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Month Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $10,000 or Greater
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 6 months
$1,000
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $10,000.00 - $24,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
6 Month Certificate Account
$500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $500 - $9,999
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
6 Month CD
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Relationship Rate APY: 3.96%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
Business 6 Month CD
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
10633 N Tatum Blvd, Phoenix, AZ 85028
6-MONTH CD
$500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6 Month Share Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $500-$9,999
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 6 months
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000.00 - $9,999.99
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
6 Month (182 Day) CD
$0
3.58%
▲ 0.81% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.81% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 6 Month (182 Day) CD
$0
3.58%
▲ 0.81% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.81% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ 85085 3712
6 Month Jumbo Certificate
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Fixed
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
6 Month (182 Day) CD
$0
3.53%
▲ 0.76% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.76% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 6 Month (182 Day) CD
$0
3.53%
▲ 0.76% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.76% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15458 N 28th Ave, Phoenix, AZ 85053
6 Month Certificate
$500
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.74% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
6 Month Business & Non-Profit Term Share Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1812 W Monroe St, PHOENIX, AZ 85007
6-Month Certificate
$5,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Access a portion of your money sooner. APYs shown above are not the current certificate term rates and are used only as example.
Sunflower Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5090 N 40th St, Phoenix, AZ 85018
6-Month CD Special
$0
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Limited Time CD Special
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
6 Month Share Certificate
$1,000
2.75%
▼ 0.02% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below avg
Details
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
6 Month Certificate
$0
1.72%
▼ 1.05% below national avg
▼
Rate1.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.05% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
180 Day Standard CD Products
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Balance: Under $100,000
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
6 Month IRA CD
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
6 Month Share Certificates
$0
1.36%
▼ 1.41% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.41% below avg
Details
1st Service: 1.400%, 2nd Service: 1.450%, 3rd Service: 1.500%
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates - 6 Months
$0
1.36%
▼ 1.41% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.41% below avg
Details
1st Service: 1.400%; 2nd Service: 1.450%; 3rd Service: 1.500%
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
11011 N Tatum Blvd, Phoenix, AZ 85028
6 Month Certificate
$1,000
0.40%
▼ 2.37% below national avg
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 2.37% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
2 N Central Ave, Phoenix, AZ 85004
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.71% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.71% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
2 N Central Ave, Phoenix, AZ 85004
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.72% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.72% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
UP to $99,999.99
Credit Union of Southern California
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Rewards+ Loyalty Program
Phoenix 12 Month CD Rates
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: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
12 Month Share Certificate
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month Business Certificate
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month Certificate
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month Flexible Certificates
$0
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month IRA Certificate
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
12 Month Youth Certificate
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
12 Month Certificate
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.13% above avg
Details
Balance Required to Earn Dividend Rate: $500.00
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
12 months CD
$500
4.02%
▲ 1.07% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.07% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 12 Month
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 12 Month
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
12 Month Term Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 12 months
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Checking Relationship
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 1 year
$1,000
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details
Balance: $100,000+
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
12 Month Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 1 year
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
Balance: $25,000.00 - $49,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate Account
$50,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
Balance: $50,000 and over
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 1 year
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $10,000.00 - $24,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate Account
$25,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $25,000 - $49,999
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
10633 N Tatum Blvd, Phoenix, AZ 85028
12-MONTH CD
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
12 Month CD - Relationship
$0
3.76%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.81% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
12 Month Business & Non-Profit Term Share Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
12 Month Term Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 12 months
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
Term Share Certificates (CD) - 12 months
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 1 year
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $1,000.00 - $9,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate Account
$10,000
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $10,000 - $24,999
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
1 Year Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $10,000 or Greater
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
6&12 MO. CERTS
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
1 Year Certificate Account
$500
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
Balance: $500 - $9,999
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
1 Year Share Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
Balance: $500-$9,999
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
1 year (12 Month) CD
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.60% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 1 Year (12 Month) CD
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.60% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15458 N 28th Ave, Phoenix, AZ 85053
1 Year Certificate
$500
3.51%
▲ 0.56% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.56% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
1 year (12 Month) CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 1 Year (12 Month) CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1812 W Monroe St, PHOENIX, AZ 85007
12-Month Certificate
$5,000
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
Keep building while maintaining flexibility. APYs shown above are not the current certificate term rates and are used only as example.
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
12 Month CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
Relationship Rate APY: 3.76%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
Business 12 Month CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
12 Month Share Certificate
$1,000
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.30% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
GOLDWATER LIQUID CD - 12 Month Liquid CD - no penalty
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.30% above avg
Details
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
12 Month Share Certificates
$0
2.02%
▼ 0.93% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.93% below avg
Details
1st Service: 2.050%, 2nd Service: 2.100%, 3rd Service: 2.150%
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates - 12 Months
$0
2.02%
▼ 0.93% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.93% below avg
Details
1st Service: 2.050%; 2nd Service: 2.100%; 3rd Service: 2.150%
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4950 S 48th St, Phoenix, AZ 85040
12 Month Certificate of Deposit
$500
2.00%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
1 Year Certificate
$0
1.91%
▼ 1.04% below national avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 1.04% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
1 Year Jumbo CD
$95,000
1.80%
▼ 1.15% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.15% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
1 Year Standard CD
$1,000
1.80%
▼ 1.15% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.15% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
1 Year Super jumbo CD
$175,000
1.80%
▼ 1.15% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.15% below avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
12 Months - Platinum Tier
$0
1.80%
▼ 1.15% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.15% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
1 Year Jumbo CD
$95,000
1.79%
▼ 1.16% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.16% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
1 Year Standard CD
$1,000
1.79%
▼ 1.16% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.16% below avg
Details
Phoenix 18 Month CD Rates
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: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
18 Month Term Share Certificate
$0
4.50%
▲ 1.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.68% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 18 months
$0
4.50%
▲ 1.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.68% above avg
Details
Checking Relationship
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
18 Month Term Share Certificate
$0
4.25%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.43% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 18 months
$0
4.25%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.43% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
Term Share Certificates (CD) - 18 months
$0
4.25%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.43% above avg
Details
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
18 Month Share Certificate
$0
4.25%
▲ 1.43% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.43% above avg
Details
Western State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
22601 N 19th Ave, Phoenix, AZ 85027
18-mo. CD
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 18 Month
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.18% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 18 Month
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.18% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
18 Month IRA CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Relationship Rate APY: N/A
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.58%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.76% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 18 Month CD
$0
3.58%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.76% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
18 Month CD
$0
3.53%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.71% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Semiannually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 18 Month CD
$0
3.53%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.71% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Semiannually
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Month Share Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
Balance: $10,000 or Greater
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
18 Month Share Certificate
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.63% above avg
Details
Balance: $500-$9,999
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1812 W Monroe St, PHOENIX, AZ 85007
18-Month Certificate
$5,000
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.43% above avg
Details
Lock in a competitive rate for longer-term growth. APYs shown above are not the current certificate term rates and are used only as example.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
18 Month Share Certificate
$1,000
2.75%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.07% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Jumbo CD
$95,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Standard CD
$1,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Super jumbo CD
$175,000
1.65%
▼ 1.17% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.17% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Jumbo CD
$95,000
1.64%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.18% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Standard CD
$1,000
1.64%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.18% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
18 Month Super jumbo CD
$175,000
1.64%
▼ 1.18% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.18% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
18 Month IRA CD
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
18 Month Standard CD Products
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Balance: Under $100,000
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%
▼ 1.82% below national avg
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▼ 1.82% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4950 S 48th St, Phoenix, AZ 85040
18 Month Certificate of Deposit
$500
0.02%
▼ 2.80% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.80% below avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Promo CD
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.38% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 18 Month
$100,000
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Credit Union of Southern California
18 Month Certificate
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Rewards+ Loyalty Program
Credit Union of Southern California
IRA Certificate 18 month
$25
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Traditional/Roth IRA Certificates
$50,000
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificates
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
18 Month Certificate
$0
3.87%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.05% above avg
Details
Effective Date: September 3, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Share Certificate - 18 Months
$500
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.83% above avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
18 Month Certificate
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Balance: $1,000 - $150,000
Landings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
IRA Certificate 18 Month
$2,000
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
Landings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
18 Month Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month Certificates of Deposits(Personal and Business)
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.53% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month TSC or IRA TSC
$10,000
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.38% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month TSC or IRA TSC
$500
3.15%
▲ 0.33% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.33% above avg
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
18 Month Certificate of Deposit
$500
3.10%
▲ 0.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.28% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month TSC or IRA TSC
$500
3.10%
▲ 0.28% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.28% above avg
Details
Phoenix 24 Month CD Rates
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: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
24 Month Term Share Certificate
$0
4.50%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.66% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 24 months
$0
4.50%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.66% above avg
Details
Checking Relationship
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
24 Month Share Certificate
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
24 Month Term Share Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 24 months
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
Term Share Certificates (CD) - 24 months
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
24 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
24 months CD
$500
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.18% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
24 Month CD - Relationship
$0
3.86%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.02% above avg
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4801 E THISTLE LANDING DR, PHOENIX, AZ 85044
24 Month Certificate
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.98% above avg
Details
Balance Required to Earn Dividend Rate: $1000.00
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 2 years
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $100,000+
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
24 Month Jump Up CD - Relationship
$0
3.76%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.92% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 2 years
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $25,000.00 - $49,999.99
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 2 years
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $10,000.00 - $24,999.99
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
10633 N Tatum Blvd, Phoenix, AZ 85028
24-MONTH CD
$2,500
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 2 years
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $1,000.00 - $9,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate Account
$50,000
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $50,000 and over
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15458 N 28th Ave, Phoenix, AZ 85053
2 Year Certificate
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
24 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Relationship Rate APY: 3.86%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
Business 24 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
2 Year (24 Month) CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 2 Year (24 Month) CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate Account
$25,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $25,000 - $49,999
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
2 Year (24 Month) CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 2 Year (24 Month) CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
24 Month Business & Non-Profit Term Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
24 Month Business Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
24 Month Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
24 Month Flexible Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
24 Month IRA Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate Account
$10,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $10,000 - $24,999
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
24 Month Jump Up CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Relationship Rate APY: 3.76%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
Business 24 Month Jump Up CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
2 Year Share Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $10,000 or Greater
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
2 Year Certificate Account
$500
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.61% above avg
Details
Balance: $500 - $9,999
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
2 Year Share Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.61% above avg
Details
Balance: $500-$9,999
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 24 Month
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 24 Month
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1812 W Monroe St, PHOENIX, AZ 85007
24-Month Share Certificate
$2,000
2.85%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.01% above avg
Details
Limited time promotional offer that may end at anytime without further notice.
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1812 W Monroe St, PHOENIX, AZ 85007
Limited Time Offer 24-Month Share Certificate
$2,000
2.85%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.01% above avg
Details
Earn 2.85% APY when you move your money from an outside bank to a high-yield 24-month Share Certificate from OneAZ.
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
24 Month Share Certificates
$0
2.79%
▼ 0.05% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.05% below avg
Details
1st Service: 2.800%, 2nd Service: 2.850%, 3rd Service: 2.900%
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates - 24 Months
$0
2.79%
▼ 0.05% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.05% below avg
Details
1st Service: 2.800%; 2nd Service: 2.850%; 3rd Service: 2.900%
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
24 Month Share Certificate
$1,000
2.75%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.09% below avg
Details
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
2 Year Certificate
$0
2.01%
▼ 0.83% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.83% below avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
24 Months - Platinum Tier
$0
1.85%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.99% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
24 Months - Gold Tier
$0
1.75%
▼ 1.09% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.09% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
24 Months - Silver Tier
$0
1.65%
▼ 1.19% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.19% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
24 Months - Bronze Tier
$0
1.55%
▼ 1.29% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.29% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
2 Year IRA CD
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
2 Year Standard CD Products
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
Balance: Under $100,000
Phoenix 36 Month CD Rates
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: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
36 Month Term Share Certificate
$0
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.49% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 36 months
$0
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.49% above avg
Details
Checking Relationship
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
36 Month Share Certificate
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
36 months CD
$500
4.02%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.26% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
36 Month Term Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 36 months
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
Term Share Certificates (CD) - 36 months
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
36 Month CD - Relationship
$0
3.96%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.20% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
36 Month Jump Up CD - Relationship
$0
3.81%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.05% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 years
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $100,000+
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 years
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $25,000.00 - $49,999.99
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
36 Month IRA CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Relationship Rate APY: N/A
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 years
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $10,000.00 - $24,999.99
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
36 Month CD
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Relationship Rate APY: 3.96%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
Business 36 Month CD
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 3 years
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $1,000.00 - $9,999.99
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year Certificate Account
$50,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $50,000 and over
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15458 N 28th Ave, Phoenix, AZ 85053
3 Year Certificate
$500
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year Certificate Account
$500
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Balance: $500 - $9,999
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 3 Year (36 Month) CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
3 Year Certificate Account
$10,000
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $10,000 - $24,999
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
36 Month Jump Up CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Relationship Rate APY: 3.81%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
Business 36 Month Jump Up CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
3 Year (36 Month) CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 3 Year (36 Month) CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month Share Certificate
$100,000
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
36 Month Share Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month Business Certificate
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month Certificate
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month Flexible Certificates
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month IRA Certificate
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
36 Month Youth Certificate
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 3 Year
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 3 Year
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
36 Month Business & Non-Profit Term Share Certificates
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.24% above avg
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
3 Year Share Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
Balance: $10,000 or Greater
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
3 Year Share Certificate
$0
2.95%
▲ 0.19% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.19% above avg
Details
Balance: $500-$9,999
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1812 W Monroe St, PHOENIX, AZ 85007
36-Month Share Certificate
$2,000
2.85%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.09% above avg
Details
Limited time promotional offer that may end at anytime without further notice.
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
36 Month Share Certificates
$0
2.53%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.23% below avg
Details
1st Service: 2.550%, 2nd Service: 2.600%, 3rd Service: 2.650%
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates - 36 Months
$0
2.53%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.23% below avg
Details
1st Service: 2.550%; 2nd Service: 2.600%; 3rd Service: 2.650%
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
3 Year Certificate
$0
2.52%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.24% below avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
36 Months - Platinum Tier
$0
1.90%
▼ 0.86% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.86% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
36 Months - Gold Tier
$0
1.80%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.96% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
36 Months - Silver Tier
$0
1.70%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.06% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
36 Months - Bronze Tier
$0
1.60%
▼ 1.16% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.16% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
3 Year IRA CD
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
3 Year Standard CD Products
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Balance: Under $100,000
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
36 Month Certificate
$0
1.40%
▼ 1.36% below national avg
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.36% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
3 Year Jumbo CD
$95,000
1.30%
▼ 1.46% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.46% below avg
Details
Phoenix 48 Month CD Rates
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: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
48 Month Term Share Certificate
$0
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.48% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 48 months
$0
4.25%
▲ 1.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.48% above avg
Details
Checking Relationship
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
48 Month Share Certificate
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
48 Month Term Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 48 months
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
Term Share Certificates (CD) - 48 months
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 4 years
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $1,000.00+
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15458 N 28th Ave, Phoenix, AZ 85053
4 Year Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Share Certificate
$100,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
48 Month Share Certificate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
48 Month Business & Non-Profit Term Share Certificates
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.23% above avg
Details
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Platinum Tier
$0
1.95%
▼ 0.82% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.82% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Gold Tier
$0
1.85%
▼ 0.92% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.92% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Silver Tier
$0
1.75%
▼ 1.02% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.02% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Months - Bronze Tier
$0
1.65%
▼ 1.12% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.12% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
4 Year IRA CD
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
4 Year Standard CD Products
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Balance: Under $100,000
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
48 Month Certificate
$0
1.45%
▼ 1.32% below national avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.32% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Jumbo CD
$95,000
1.25%
▼ 1.52% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Standard CD
$1,000
1.25%
▼ 1.52% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Super jumbo CD
$175,000
1.25%
▼ 1.52% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Jumbo CD
$95,000
1.24%
▼ 1.53% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.53% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Standard CD
$1,000
1.24%
▼ 1.53% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.53% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Super jumbo CD
$175,000
1.24%
▼ 1.53% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.53% below avg
Details
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%
▼ 1.77% below national avg
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.77% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4950 S 48th St, Phoenix, AZ 85040
4 Year Certificate of Deposit
$500
0.15%
▼ 2.62% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.62% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Jumbo CD
$95,000
0.01%
▼ 2.76% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.76% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Standard CD
$1,000
0.01%
▼ 2.76% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.76% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
4 Year Super jumbo CD
$175,000
0.01%
▼ 2.76% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.76% below avg
Details
Credit Union of Southern California
48 Month Certificate
$500
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details
Rewards+ Loyalty Program
Credit Union of Southern California
IRA Certificate 48 month
$25
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.48% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48 Month Certificate
$0
4.02%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
Effective Date: September 3, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
48 Month Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Certificates
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Balance: 48 Month
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
48 Month Certificates of Deposits(Personal and Business)
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.89% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month TSC or IRA TSC
$10,000
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.63% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month TSC or IRA TSC
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.58% above avg
Details
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month TSC or IRA TSC
$500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
4 Year Share Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
48 Month Certificate of Deposit
$500
3.03%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.26% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
48 Month Certificate
$0
2.90%
▲ 0.13% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.13% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4 Year IRA Certificate
$0
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4-Year Certificate
$0
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Credit Union of Southern California
48 Month Certificate
$500
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.08% above avg
Details
Non-Rewards+ Loyalty Program
Credit Union of Southern California
IRA Certificate 48 month
$25
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.08% above avg
Details
Rewards+ Loyalty Program Dividend Rate: 4.17%; Rewards+ Loyalty Program APY: 4.25%
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4 Year IRA Certificate
$0
2.80%
▲ 0.03% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.03% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4-Year Certificate
$0
2.80%
▲ 0.03% above national avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.03% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4-Year Certificate
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below avg
Details
Phoenix 60 Month CD Rates
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: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
60 Month Term Share Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Checking Relationship APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 60 months
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.41% above avg
Details
Checking Relationship
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
10810 N Tatum Blvd Ste 114, Phoenix, AZ 85028
60 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
4801 E Thistle Landing Dr, Phoenix, AZ 85044 6459
60 Month Share Certificate
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
60 Month CD - Relationship
$0
4.06%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.22% above avg
Details
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
302 E McDowell Rd Ste 100, Phoenix, AZ 85004 1541
60 months CD
$500
4.02%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.18% above avg
Details
Dividend paid monthly. A penalty may be imposed for early withdrawal.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
60 Month Term Share Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
IRA Term Share Certificates - 60 months
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
Term Share Certificates (CD) - 60 months
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Share Certificate
$100,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
15458 N 28th Ave, Phoenix, AZ 85053
5 Year Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
60 Month CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.96% above avg
Details
Relationship Rate APY: 4.06%
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10440 N 32nd St, Phoenix, AZ 85028
Business 60 Month CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.96% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24000 N Farmers Way, Phoenix, AZ 85085
60 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate Account
$50,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $50,000 and over
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
5777 E Mayo Blvd, Phoenix, AZ 85054
Certificates 5 years
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $1,000.00+
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate Account
$25,000
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $25,000 - $49,999
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate Account
$10,000
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $10,000 - $24,999
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
803 E Devonshire Ave, Phoenix, AZ 85014
5 Year Certificate Account
$500
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $500 - $9,999
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 5 Year (60 Month) CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
5 Year (60 Month) CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2710 E Camelback Rd, Phoenix, AZ 85016
Business 5 Year (60 Month) CD
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
3511 W Peoria Ave, Phoenix, AZ 85029 4037
60 Month Business Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
60 Month Business Certificate
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
60 Month Certificate
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
60 Month Flexible Certificates
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2303 N 44th St Ste 1, Phoenix, AZ 85008 2442
60 Month IRA Certificate
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
3511 W Peoria Ave, Phoenix, AZ 85029 4037
60 Month Business Certificate
$0
3.15%
▲ 0.31% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.31% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
CERTIFICATES OF DEPOSIT - 5 Year
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
Goldwater Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.75%
2525 E Camelback Rd, Phoenix, AZ 85016
IRA CERTIFICATES OF DEPOSIT - 5 Year
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
3511 W Peoria Ave, Phoenix, AZ 85029 4037
60 Month Business Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.16% above avg
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
645 E Missouri Ave, Phoenix, AZ 85012
60 Month Business & Non-Profit Term Share Certificates
$0
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1812 W Monroe St, PHOENIX, AZ 85007
60-Month Share Certificate
$2,000
2.85%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.01% above avg
Details
Limited time promotional offer that may end at anytime without further notice.
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
60 Month Share Certificates
$0
2.53%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.31% below avg
Details
1st Service: 2.550%, 2nd Service: 2.600%, 3rd Service: 2.650%
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1515 W Roosevelt St, Phoenix, AZ 85007 2034
Individual Retirement Accounts - Share Certificates - 60 Months
$0
2.53%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.31% below avg
Details
1st Service: 2.550%; 2nd Service: 2.600%; 3rd Service: 2.650%
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Platinum Tier
$0
2.00%
▼ 0.84% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.84% below avg
Details
Loyalty Program1Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Gold Tier
$0
1.90%
▼ 0.94% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.94% below avg
Details
Loyalty Program1Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Silver Tier
$0
1.80%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.04% below avg
Details
Loyalty Program1Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Months - Bronze Tier
$0
1.70%
▼ 1.14% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.14% below avg
Details
Loyalty Program1Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
5 Year IRA CD
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3001 East Cambelback Road, Phoenix, AZ 85016
5 Year Standard CD Products
$0
1.50%
▼ 1.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
Balance: Under $100,000
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2525 E Camelback Rd, Phoenix, AZ 85016
60 Month Certificate
$0
1.50%
▼ 1.34% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.34% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
5 Year Jumbo CD
$95,000
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.59% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
5 Year Standard CD
$1,000
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.59% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
5 Year Super jumbo CD
$175,000
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.59% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
5 Year Jumbo CD
$95,000
1.24%
▼ 1.60% below national avg
▼
Rate—
Min Deposit$95,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.60% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
5 Year Standard CD
$1,000
1.24%
▼ 1.60% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.60% below avg
Details
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 8.47%
1 Norterra Dr, Phoenix, AZ 85085
5 Year Super jumbo CD
$175,000
1.24%
▼ 1.60% below national avg
▼
Rate—
Min Deposit$175,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.60% below avg
Details
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
11011 N Tatum Blvd, Phoenix, AZ 85028
60 Month Certificate
$1,000
1.20%
▼ 1.64% below national avg
▼
Rate1.19%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.64% below avg
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
2.952%
▲ 0.030 vs 7 days ago
Arizona 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD AZ Avg
2.767%
▲ 0.021 vs 7 days ago
Arizona 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
AZ CD Rate Forecast, Next 12 Months
Where are Arizona CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AZ 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
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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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
775
CD Rates
Tracked in Phoenix, Arizona
Tracked in Phoenix, Arizona
23 Banks
34 Credit Unions
About Our Phoenix, Arizona CD Rate Database
MonitorBankRates tracks 775 CD rates from 23 banks and 34 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: Pima 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 34 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: 57 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Phoenix, Arizona savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare 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
$128/yr
At AZ 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,348/year) and putting it in a CD would earn an additional $128 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 |
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 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Pima Federal Credit Union is offering its 60 Month Term Share Certificate at 4.25% 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:
- Pima Federal Credit Union: 4.50% APY (18 Month Term Share Certificate)
- San Diego Firefighters Federal Credit Union: 4.30% APY (24 Month Share Certificate)
- Mountain America Federal Credit Union: 4.25% APY (24 Month Certificate)
- Credit Union West Credit Union: 4.15% APY (12 Month Business Certificate)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
- Vantage West Credit Union: 4.06% APY (60 Month CD - Relationship)
- SunWest Federal Credit Union: 4.02% APY (12 months CD)
- Western State Bank: 4.00% APY (18-mo. CD)
- Farmers Insurance Federal Credit Union: 4.00% APY (3 Month Share Certificate)
- Goldwater Bank: 4.00% APY (CERTIFICATES OF DEPOSIT - 12 Month)
Rates reflect recent verified offers available in Phoenix, Arizona. Last Updated: September 22, 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 30–180 days of interest. Estimates are for informational purposes only.
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 LadderAZ CD rates currently range from 2.065% (3-month) to 2.765% (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 4.50% 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 2.952% 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: September 22, 2026
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