Scottsdale, Arizona Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Scottsdale, Arizona CD rates range from 0.01% to 4.80% APY, verified by MonitorBankRates as of October 14, 2026. Current Scottsdale, Arizona CD rates include Academy BankAcademy Bank7150 E Camelback Rd, Scottsdale, AZ 85251A+5.0 ★Texas Ratio: 5.08%Real return: +1.60%APY minus CPI (February 2026) offering Certificate of Deposit 18-Month at 4.40% APY, Banterra BankBanterra Bank15100 N 78th Way, Scottsdale, AZ 85260A4.7 ★Texas Ratio: 4.32%Real return: +1.60%APY minus CPI (February 2026) offering 36-Month CD at 4.40% APY, Vio BankVio Bank20645 N Pima Rd, Scottsdale, AZ 85255A+5.0 ★Texas Ratio: 4.93%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month Certificate of Deposit (CD) at 4.40% APY, Flagstar Bank, National AssociationFlagstar Bank, National Association6900 E Camelback Rd, Scottsdale, AZ 85251D3.3 ★Texas Ratio: 35.11%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month Business CD at 4.30% APY, and Pima Federal Credit UnionPima Federal Credit Union7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593A+5.0 ★Texas Ratio: 3.94%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Term Share Certificates at 4.25% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Scottsdale has 207 local institutions in our database, with CD rates as high as 4.40% APY from Academy Bank at 7150 E Camelback Rd, Scottsdale, AZ 85251. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Arizona area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Scottsdale, Arizona & the Surrounding Area
Scottsdale 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
3 Month CD - Loyalty Platinum Tier
$0
4.06%
▲ 1.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.72% above avgNationally 2.09%
Details
Loyalty Program Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%)
Rate History
No change since Oct 14, 2026 · 4.06% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
3 Month CD - Loyalty Gold Tier
$0
3.96%
▲ 1.62% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.62% above avgNationally 2.09%
Details
Loyalty Program Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%)
Rate History
No change since Oct 14, 2026 · 3.96% APY
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
32621 N Scottsdale Rd, Scottsdale, AZ 85266
3-Month Time Deposit Account
$500
3.85%
▲ 1.51% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.51% above avgNationally 2.09%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
3 Month CD - Loyalty Silver Tier
$0
3.85%
▲ 1.51% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.51% above avgNationally 2.09%
Details
Loyalty Program Silver Tier APY (Interest Rate is Base Interest Rate + 0.30%)
Rate History
No change since Oct 14, 2026 · 3.85% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
3 Month CD - Loyalty Bronze Tier
$0
3.75%
▲ 1.41% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.41% above avgNationally 2.09%
Details
Loyalty Program Bronze Tier APY (Interest Rate is Base Interest Rate + 0.20%)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
3 Month CD
$0
3.55%
▲ 1.21% above Arizona avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.21% above avgNationally 2.09%
Details
Base Interest Rate and Base APY (Consumer Rate Sheet)
Rate History
1 change since Sep 15, 2026 · 3.29% → 3.55% ▲ 0.26 pts · high 3.55% / low 3.29%
- Sep 27, 20263.55%▲ from 3.29%
- Sep 15, 20263.29%first recorded
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
3 Month Certificate
$1,000
3.00%
▲ 0.66% above Arizona avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.34%▲ 0.66% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
6720 N Scottsdale Rd, Scottsdale, AZ 85253
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.10%
▼ 2.24% below Arizona avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.24% below avgNationally 2.09%
Details
Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
6720 N Scottsdale Rd, Scottsdale, AZ 85253
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 2.24% below Arizona avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.24% below avgNationally 2.09%
Details
Balance: $90,000 and over; Renewal Term: 3 Months
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4167 N Scottsdale Rd, Scottsdale, AZ 85251
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.28% below Arizona avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4167 N Scottsdale Rd, Scottsdale, AZ 85251
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
6720 N Scottsdale Rd, Scottsdale, AZ 85253
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
6720 N Scottsdale Rd, Scottsdale, AZ 85253
3 Month Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: $1,000 - $89,999; Renewal Term: 3 Months
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
3 Month Standard CD
$1,000
0.05%
▼ 2.29% below Arizona avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
3 Month Certificate of Deposit
$0
0.03%
▼ 2.31% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.31% below avgNationally 2.09%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
3 Month Certificate of Deposit
$0
0.02%
▼ 2.32% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.32% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
3 Month Certificate of Deposit
$0
0.01%
▼ 2.33% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.33% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.24% above Arizona avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average2.34%▲ 2.24% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
3 Month Share Certificate
$0
4.06%
▲ 1.72% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▲ 1.72% above avgNationally 2.09%
Details
Balance: $10,000 - up; Renewal Rate: 3.500%; Renewal APY: 3.546%
Rate History
1 change since Sep 14, 2026 · 3.29% → 4.06% ▲ 0.77 pts · high 4.06% / low 3.29%
- Oct 13, 20264.06%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.66% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.66% above avgNationally 2.09%
Details
Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$500
3.85%
▲ 1.51% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.51% above avgNationally 2.09%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Oct 14, 20263.85%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$500
3.80%
▲ 1.46% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.46% above avgNationally 2.09%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate of Deposit
$0
3.50%
▲ 1.16% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.16% above avgNationally 2.09%
Details
CD Term (Minimum Balance $500); Accurate as of 09/30/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50%
▲ 1.16% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 1.16% above avgNationally 2.09%
Details
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 2 times
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Month Share Certificate
$0
3.50%
▲ 1.16% above Arizona avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▲ 1.16% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
- Oct 13, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.15%
▲ 0.81% above Arizona avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 0.81% above avgNationally 2.09%
Details
$25,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
- Oct 14, 20263.15%▲ from 3.05%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$50,000
3.10%
▲ 0.76% above Arizona avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 0.76% above avgNationally 2.09%
Details
$50,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
- Oct 14, 20263.10%▲ from 3.05%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.05%
▲ 0.71% above Arizona avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 0.71% above avgNationally 2.09%
Details
$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.01%
▲ 0.67% above Arizona avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 0.67% above avgNationally 2.09%
Details
Dividend Rate; $25,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
- Oct 14, 20263.01%▲ from 3.00%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$1,000
3.00%
▲ 0.66% above Arizona avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 0.66% above avgNationally 2.09%
Details
Share Certificate Rates; Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate - 3-Month Certificate
$1,000
2.96%
▲ 0.62% above Arizona avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▲ 0.62% above avgNationally 2.09%
Details
Effective Date: 02/04/2026
Rate History
2 changes since Sep 15, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96%
- Oct 14, 20262.96%▼ from 3.00%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Certificate of Deposit
$0
2.00%
▼ 0.34% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 0.34% below avgNationally 2.09%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.79% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 0.79% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.84% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 0.84% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.60%
▼ 1.74% below Arizona avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.74% below avgNationally 2.09%
Details
Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 0.60% APY · checked 4 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.55%
▼ 1.79% below Arizona avg
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.79% below avgNationally 2.09%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 0.55% APY · checked 4 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.50%
▼ 1.84% below Arizona avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.84% below avgNationally 2.09%
Details
Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 4 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3 Month Certificate
$1,000
0.45%
▼ 1.89% below Arizona avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.34%▼ 1.89% below avgNationally 2.09%
Details
Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 0.45% APY · checked 4 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
90 Day Standard CD Products
$1,000
0.06%
▼ 2.28% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.34%▼ 2.28% below avgNationally 2.09%
Details
Balance: $100,000 or more; $1,000 opening deposit required
Rate History
No change since Sep 18, 2026 · 0.06% APY · checked 5 times
Scottsdale 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6900 E Camelback Rd, Scottsdale, AZ 85251
6-Month Business CD
$2,500
4.10%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.98% above avgNationally 2.77%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.10% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6900 E Camelback Rd, Scottsdale, AZ 85251
6-Month CD
$2,500
4.10%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.98% above avgNationally 2.77%
Details
Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
8220 E Via Paseo Del Norte, Scottsdale, AZ 85258 3732
6 Month Jumbo Certificate
$100,000
4.05%
▲ 0.93% above Arizona avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.93% above avgNationally 2.77%
Details
APY as high as 4.05%; Rate type: Fixed; Terms available from six months to five years; No monthly or annual service fees; Minimum balance $100,000
Rate History
1 change since Sep 18, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
- Oct 10, 20264.05%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
6 Month Business Certificate
$500
4.00%
▲ 0.88% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
6 Month Certificate
$500
4.00%
▲ 0.88% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
6 Month IRA Certificate
$500
4.00%
▲ 0.88% above Arizona avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
20645 N Pima Rd, Scottsdale, AZ 85255
6 Month Certificate of Deposit (CD)
$0
3.85%
▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
6 Month Term Share Certificates
$0
3.75%
▲ 0.63% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.50%
- Oct 12, 20263.75%▲ from 3.50%
- Oct 4, 20263.50%▼ from 4.00%
- Sep 12, 20264.00%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
8220 E Via Paseo Del Norte, Scottsdale, AZ 85258 3732
6-Month Jumbo Certificate
$0
3.70%
▲ 0.58% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.58% above avgNationally 2.77%
Details
Featured rate; Jumbo certificate; Fixed for the term; Dividends compounded monthly
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Oct 10, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
6 Month Term Share Certificates
$0
3.50%
▲ 0.38% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.38% above avgNationally 2.77%
Details
Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.50%▼ from 3.75%
- Sep 12, 20263.75%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
16600 N Scottsdale Rd, Scottsdale, AZ 85254
6-Month Certificate
$5,000
3.50%
▲ 0.38% above Arizona avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.38% above avgNationally 2.77%
Details
Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
6 Month Certificate
$1,000
3.41%
▲ 0.29% above Arizona avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.29% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 7 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
Business & Non-Profit Term Share Certificates - 6 months
$0
3.25%
▲ 0.13% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.13% above avgNationally 2.77%
Details
Rate History
1 change since Sep 12, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
- Oct 4, 20263.25%▼ from 3.50%
- Sep 12, 20263.50%first recorded
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
9336 E Raintree Dr Ste 1b, Scottsdale, AZ 85260
6 Month Certificate
$1,000
0.40%
▼ 2.72% below Arizona avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▼ 2.72% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4167 N Scottsdale Rd, Scottsdale, AZ 85251
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 3.06% below Arizona avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.06% below avgNationally 2.77%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4167 N Scottsdale Rd, Scottsdale, AZ 85251
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 3.07% below Arizona avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 3.07% below Arizona avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
6 Month Standard CD
$1,000
0.05%
▼ 3.07% below Arizona avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.07% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
6 Month Certificate of Deposit
$0
0.03%
▼ 3.09% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.09% below avgNationally 2.77%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 6 Months
$250
0.03%
▼ 3.09% below Arizona avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.09% below avgNationally 2.77%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
6 Month Certificate of Deposit
$0
0.02%
▼ 3.10% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.10% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 6 Months
$250
0.02%
▼ 3.10% below Arizona avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.10% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
6 Month Certificate of Deposit
$0
0.01%
▼ 3.11% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.11% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 6 Months
$250
0.01%
▼ 3.11% below Arizona avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▼ 3.11% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.18% above Arizona avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arizona Average3.12%▲ 1.18% above avgNationally 2.77%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Share Certificate
$0
4.15%
▲ 1.03% above Arizona avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 1.03% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
- Oct 13, 20264.15%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
6 Month Share Certificate
$0
4.14%
▲ 1.02% above Arizona avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 1.02% above avgNationally 2.77%
Details
Balance: $2,500 - $9,999.99; Renewal Rate: 3.800%; Renewal APY: 3.836%
Rate History
1 change since Sep 29, 2026 · 3.53% → 4.14% ▲ 0.61 pts · high 4.14% / low 3.53%
- Oct 13, 20264.14%▲ from 3.53%
- Sep 29, 20263.53%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00%
▲ 0.88% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
180 Day Business Certificate
$0
4.00%
▲ 0.88% above Arizona avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.88% above avgNationally 2.77%
Details
Rate History
1 change since Sep 27, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 6, 20264.00%▲ from 3.85%
- Sep 27, 20263.85%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6 Month CD - Relationship
$0
3.96%
▲ 0.84% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.84% above avgNationally 2.77%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 5 times
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95%
▲ 0.83% above Arizona avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.83% above avgNationally 2.77%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate Accounts
$0
3.85%
▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.77%
Details
Min. Amount: $50,000
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
180 Day Share Certificate
$0
3.85%
▲ 0.73% above Arizona avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.73% above avgNationally 2.77%
Details
Also applies to Traditional IRA Certificates and Roth IRA Certificates
Rate History
1 change since Sep 27, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 6, 20263.85%▲ from 3.75%
- Sep 27, 20263.75%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$500
3.84%
▲ 0.72% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.72% above avgNationally 2.77%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Certificate of Deposit
$0
3.82%
▲ 0.70% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.77%
Details
Balance: $500.00 to $49,999.99
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 3 times
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Month Certificate
$0
3.82%
▲ 0.70% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Certificate
$1,000
3.82%
▲ 0.70% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.70% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 6 Months
$500
3.80%
▲ 0.68% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Share Certificates ($500 Minimum)
Rate History
No change since Sep 16, 2026 · 3.80% APY · checked 5 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.80%
▲ 0.68% above Arizona avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Balance: $50,000 - $99,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.80%
▲ 0.68% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate Accounts
$0
3.80%
▲ 0.68% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.68% above avgNationally 2.77%
Details
Min. Amount: $25,000
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$500
3.79%
▲ 0.67% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.67% above avgNationally 2.77%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
- Oct 14, 20263.79%▲ from 3.53%
- Sep 14, 20263.53%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
6 Month CD
$0
3.78%
▲ 0.66% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.66% above avgNationally 2.77%
Details
Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information
Rate History
No change since Sep 14, 2026 · 3.78% APY · checked 8 times
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $15,000 - $29,999; Dividends paid quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
6 Month Certificate
$1,000
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75%
▲ 0.63% above Arizona avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
6-Month Certificate
$500
3.75%
▲ 0.63% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate Accounts
$0
3.75%
▲ 0.63% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.12%▲ 0.63% above avgNationally 2.77%
Details
Min. Amount: $10,000
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Scottsdale 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6900 E Camelback Rd, Scottsdale, AZ 85251
12 Month Business CD
$500
4.30%
▲ 0.92% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.30% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6900 E Camelback Rd, Scottsdale, AZ 85251
12-Month CD
$500
4.30%
▲ 0.92% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details
Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
20645 N Pima Rd, Scottsdale, AZ 85255
12 Month Certificate of Deposit (CD)
$0
4.30%
▲ 0.92% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 10, 20264.30%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7150 E Camelback Rd, Scottsdale, AZ 85251
Certificate of Deposit 12-Month
$500
4.20%
▲ 0.82% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.82% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 2, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
12 Month Business Certificate
$500
4.15%
▲ 0.77% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
12 Month Certificate
$500
4.15%
▲ 0.77% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
12 Month IRA Certificate
$500
4.15%
▲ 0.77% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
12 Month Youth Certificate
$500
4.15%
▲ 0.77% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.62% above Arizona avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.62% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
12 Month Term Share Certificates
$0
3.75%
▲ 0.37% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.37% above avgNationally 2.99%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.50%
- Oct 12, 20263.75%▲ from 3.50%
- Oct 4, 20263.50%▼ from 4.00%
- Sep 12, 20264.00%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
12 Month Term Share Certificates
$0
3.50%
▲ 0.12% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.50%▼ from 3.75%
- Sep 12, 20263.75%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
Business & Non-Profit Term Share Certificates - 12 months
$0
3.50%
▲ 0.12% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Rate History
1 change since Sep 12, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.50%▼ from 3.75%
- Sep 12, 20263.75%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
16600 N Scottsdale Rd, Scottsdale, AZ 85254
12-Month Certificate
$5,000
3.50%
▲ 0.12% above Arizona avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.38%▲ 0.12% above avgNationally 2.99%
Details
Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
12 Month Certificate
$1,000
3.16%
▼ 0.22% below Arizona avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 0.22% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.16% APY · checked 7 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
12 Month Certificate of Deposit
$500
2.00%
▼ 1.38% below Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 1.38% below avgNationally 2.99%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
12 Month Certificate of Deposit - Platinum Loyalty Tier
$0
1.80%
▼ 1.58% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 1.58% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 1.80% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
12 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.70%
▼ 1.68% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 1.68% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.70% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
12 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.60%
▼ 1.78% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 1.78% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.60% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4167 N Scottsdale Rd, Scottsdale, AZ 85251
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.87% below Arizona avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 1.87% below avgNationally 2.99%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4167 N Scottsdale Rd, Scottsdale, AZ 85251
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.88% below Arizona avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 1.88% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
12 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.50%
▼ 1.88% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 1.88% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.50% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
12 Month Certificate of Deposit
$0
1.30%
▼ 2.08% below Arizona avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 2.08% below avgNationally 2.99%
Details
Term: 12 Months (12-23 Months); Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.30% APY · checked 5 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
9336 E Raintree Dr Ste 1b, Scottsdale, AZ 85260
12 Month Certificate
$1,000
1.00%
▼ 2.38% below Arizona avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▼ 2.38% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.63% below Arizona avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 2.63% below avgNationally 2.99%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
12 Month Standard CD
$1,000
0.75%
▼ 2.63% below Arizona avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 2.63% below avgNationally 2.99%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
RampUp CD - 1-Year RampUp Plus
$25,000
0.25%
▼ 3.13% below Arizona avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 3.13% below avgNationally 2.99%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
12 Month Certificate of Deposit
$0
0.03%
▼ 3.35% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 3.35% below avgNationally 2.99%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 12 Months
$250
0.03%
▼ 3.35% below Arizona avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 3.35% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
12 Month Certificate of Deposit
$0
0.02%
▼ 3.36% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 3.36% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 12 Months
$250
0.02%
▼ 3.36% below Arizona avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 3.36% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
12 Month Certificate of Deposit
$0
0.01%
▼ 3.37% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 3.37% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 12 Months
$250
0.01%
▼ 3.37% below Arizona avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▼ 3.37% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
12-Month LifeStage Certificate
$500
4.50%
▲ 1.12% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 1.12% above avgNationally 2.99%
Details
Available to qualifying members ages 0-23; earns an additional 0.25% APY over the regular 12-Month Certificate rate, up to a maximum balance of $2,000
Rate History
No change since Oct 13, 2026 · 4.50% APY
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month Share Certificate
$0
4.45%
▲ 1.07% above Arizona avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 1.07% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
- Oct 13, 20264.45%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 0.97% above Arizona avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.97% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1 Year Business Certificate
$0
4.30%
▲ 0.92% above Arizona avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.92% above avgNationally 2.99%
Details
Rate History
1 change since Sep 27, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 6, 20264.30%▲ from 4.00%
- Sep 27, 20264.00%first recorded
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
12 Month Share Certificate
$0
4.25%
▲ 0.87% above Arizona avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.87% above avgNationally 2.99%
Details
Balance: $2,500 - $9,999.99; Renewal Rate: 4.000%; Renewal APY: 4.000%
Rate History
1 change since Sep 29, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Sep 29, 20263.75%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
12-Month Certificate
$500
4.25%
▲ 0.87% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.87% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 29, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
1 Year Share Certificate
$0
4.25%
▲ 0.87% above Arizona avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.87% above avgNationally 2.99%
Details
Also applies to Traditional IRA Certificates and Roth IRA Certificates
Rate History
1 change since Sep 27, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 6, 20264.25%▲ from 3.90%
- Sep 27, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15%
▲ 0.77% above Arizona avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.77% above avgNationally 2.99%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month Certificate of Deposit
$0
4.12%
▲ 0.74% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.38%▲ 0.74% above avgNationally 2.99%
Details
Balance: $500.00 to $49,999.99
Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
- Oct 8, 20264.12%▲ from 4.02%
- Sep 25, 20264.02%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.72% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Certificate
$500
4.08%
▲ 0.70% above Arizona avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.70% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1 Year GOAL Share Certificate
$25
4.07%
▲ 0.69% above Arizona avg
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.69% above avgNationally 2.99%
Details
Balance: $25-$1,000
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
12 Month IRA Share Certificate
$0
4.06%
▲ 0.68% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.68% above avgNationally 2.99%
Details
Required Amount: IRA (Pd Qtrly); Renewal Rate: 4.000%; Renewal APY: 4.060%
Rate History
No change since Oct 13, 2026 · 4.06% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.67% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.38%▲ 0.67% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05%
▲ 0.67% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.67% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate 12-Month
$2,000
4.05%
▲ 0.67% above Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.67% above avgNationally 2.99%
Details
Minimum Opening Balance: $2,000; Minimum Balance to Earn APY: $2,000
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.02%
▲ 0.64% above Arizona avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.64% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- Oct 13, 20264.02%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.02%
▲ 0.64% above Arizona avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.38%▲ 0.64% above avgNationally 2.99%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- Oct 5, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Scottsdale 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7150 E Camelback Rd, Scottsdale, AZ 85251
Certificate of Deposit 18-Month
$500
4.40%
▲ 1.13% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 1.13% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
- Oct 2, 20264.40%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
20645 N Pima Rd, Scottsdale, AZ 85255
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.08% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
18 Month Term Share Certificates
$0
4.25%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
- Oct 12, 20264.25%▲ from 4.00%
- Oct 4, 20264.00%▼ from 4.50%
- Sep 12, 20264.50%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6900 E Camelback Rd, Scottsdale, AZ 85251
18-Month CD
$500
4.25%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Western State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
7001 N Scottsdale Rd, Scottsdale, AZ 85253
18 Month CD
$0
4.20%
▲ 0.93% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.93% above avgNationally 2.88%
Details
Homepage featured rate: 18-mo. CD at 4.20% APY
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 14, 20264.20%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
18 Month Term Share Certificates
$0
4.00%
▲ 0.73% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.00%▼ from 4.25%
- Sep 12, 20264.25%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
16600 N Scottsdale Rd, Scottsdale, AZ 85254
18-Month Certificate
$5,000
3.25%
▼ 0.02% below Arizona avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▼ 0.02% below avgNationally 2.88%
Details
Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example.
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
18 Month Certificate
$1,000
3.00%
▼ 0.27% below Arizona avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▼ 0.27% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.52% below Arizona avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
9336 E Raintree Dr Ste 1b, Scottsdale, AZ 85260
18 Month Certificate
$1,000
1.00%
▼ 2.27% below Arizona avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▼ 2.27% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.52% below Arizona avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 2.52% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
18 Month Standard CD
$1,000
0.75%
▼ 2.52% below Arizona avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 2.52% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
18 Month Certificate of Deposit
$0
0.03%
▼ 3.24% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 3.24% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 18 Months
$250
0.03%
▼ 3.24% below Arizona avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 3.24% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
18 Month Certificate of Deposit
$0
0.02%
▼ 3.25% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 3.25% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 18 Months
$250
0.02%
▼ 3.25% below Arizona avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 3.25% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
18 Month Certificate of Deposit
$500
0.02%
▼ 3.25% below Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 3.25% below avgNationally 2.88%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
18 Month Certificate of Deposit
$0
0.01%
▼ 3.26% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 3.26% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 18 Months
$250
0.01%
▼ 3.26% below Arizona avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 3.26% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18-Month Special Certificate
$500
4.50%
▲ 1.23% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month Share Certificate
$0
4.35%
▲ 1.08% above Arizona avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 13, 20264.35%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20%
▲ 0.93% above Arizona avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.93% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.88% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.88% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15%
▲ 0.88% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.88% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.83% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.83% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00%
▲ 0.73% above Arizona avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
- Oct 9, 20264.00%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00%
▲ 0.73% above Arizona avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95%
▲ 0.68% above Arizona avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95%
▲ 0.68% above Arizona avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90%
▲ 0.63% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.63% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
- Oct 9, 20263.90%▼ from 3.95%
- Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90%
▲ 0.63% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.63% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
18 Month Certificate
$0
3.87%
▲ 0.60% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.27%▲ 0.60% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85%
▲ 0.58% above Arizona avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.58% above avgNationally 2.88%
Details
Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.84%
▲ 0.57% above Arizona avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.57% above avgNationally 2.88%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.79%
▲ 0.52% above Arizona avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.52% above avgNationally 2.88%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
- Oct 14, 20263.79%▲ from 3.53%
- Sep 14, 20263.53%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 18-Month
$500
3.75%
▲ 0.48% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.43% above Arizona avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.43% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificates - 18 Months
$500
3.65%
▲ 0.38% above Arizona avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▲ 0.38% above avgNationally 2.88%
Details
Share Certificates ($500 Minimum)
Rate History
No change since Sep 16, 2026 · 3.65% APY · checked 5 times
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Promotional Term Share Certificates - 18 Months
$1,000
3.60%
▲ 0.33% above Arizona avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.33% above avgNationally 2.88%
Details
Balance: $1,000 minimum - $150,000 maximum; Limited Time Offer
Rate History
No change since Oct 13, 2026 · 3.60% APY
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
18 Month IRA CD
$0
3.60%
▲ 0.33% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.33% above avgNationally 2.88%
Details
IRA Certificate of Deposit; APY accurate as of 10/02/2026; not eligible for Relationship Rate
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
IRA Certificate 18-Month
$2,000
3.55%
▲ 0.28% above Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.28% above avgNationally 2.88%
Details
Minimum Opening Balance: $2,000; Minimum Balance to Earn APY: $2,000
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
18-Month Certificate
$500
3.50%
▲ 0.23% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.27%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Month Share Certificate
$0
3.50%
▲ 0.23% above Arizona avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.23% above avgNationally 2.88%
Details
Balance: $10,000 or Greater
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Month Share Certificate
$0
3.45%
▲ 0.18% above Arizona avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▲ 0.18% above avgNationally 2.88%
Details
Balance: $500-$9,999
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month TSC or IRA TSC
$10,000
3.20%
▼ 0.07% below Arizona avg
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.07% below avgNationally 2.88%
Details
Relationship Pricing; requires Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month TSC or IRA TSC
$500
3.15%
▼ 0.12% below Arizona avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.12% below avgNationally 2.88%
Details
Relationship Pricing; requires Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificates - 18 Month TSC or IRA TSC
$500
3.10%
▼ 0.17% below Arizona avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.17% below avgNationally 2.88%
Details
Non-Relationship Pricing; Compounding Period: Monthly; Effective July 1, 2026
Rate History
No change since Oct 14, 2026 · 3.10% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
18 Month Certificate of Deposit
$0
2.75%
▼ 0.52% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
Details
Balance: $1,000.00 - $99,999.99
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
18 Month IRA Certificate
$0
2.75%
▼ 0.52% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.27%▼ 0.52% below avgNationally 2.88%
Details
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 2.75%
Rate History
No change since Oct 2, 2026 · 2.75% APY · checked 4 times
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★Texas Ratio: 2.84%
18 Month Term CD
$1,000
2.61%
▼ 0.66% below Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.27%▼ 0.66% below avgNationally 2.88%
Details
Compounded Monthly
Rate History
No change since Sep 16, 2026 · 2.61% APY · checked 5 times
Scottsdale 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
20645 N Pima Rd, Scottsdale, AZ 85255
24 Month Certificate of Deposit (CD)
$0
4.40%
▲ 1.26% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.26% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
24 Month Term Share Certificates
$0
4.25%
▲ 1.11% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.00%
- Oct 12, 20264.25%▲ from 4.00%
- Oct 4, 20264.00%▼ from 4.50%
- Sep 12, 20264.50%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6900 E Camelback Rd, Scottsdale, AZ 85251
24-Month CD
$500
4.25%
▲ 1.11% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details
Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
24 Month Term Share Certificates
$0
4.00%
▲ 0.86% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.00%▼ from 4.25%
- Sep 12, 20264.25%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7150 E Camelback Rd, Scottsdale, AZ 85251
Certificate of Deposit 24-Month
$500
3.51%
▲ 0.37% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.37% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
- Oct 2, 20263.51%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
24 Month Business Certificate
$500
3.50%
▲ 0.36% above Arizona avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
24 Month Certificate
$500
3.50%
▲ 0.36% above Arizona avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
24 Month IRA Certificate
$500
3.50%
▲ 0.36% above Arizona avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
Business & Non-Profit Term Share Certificates - 24 months
$0
3.25%
▲ 0.11% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.11% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 3.50% → 3.25% ▼ 0.25 pts · high 3.50% / low 3.25%
- Oct 4, 20263.25%▼ from 3.50%
- Sep 12, 20263.50%first recorded
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
16600 N Scottsdale Rd, Scottsdale, AZ 85254
24 Month Promotional Share Certificate
$2,000
2.85%
▼ 0.29% below Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▼ 0.29% below avgNationally 2.88%
Details
Limited Time Offer. Earn 2.85% APY when you move your money from an outside bank to a high-yield 24-month Share Certificate from OneAZ. Promotional APY is available for both consumer (excluding IRA's) and business accounts. Membership qualifications apply.
Rate History
No change since Oct 9, 2026 · 2.85% APY
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
24 Month Certificate
$1,000
2.50%
▼ 0.64% below Arizona avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 0.64% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
24 Month Certificate of Deposit - Platinum Loyalty Tier
$0
1.85%
▼ 1.29% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 1.29% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 1.85% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
24 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.75%
▼ 1.39% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 1.39% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.75% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
24 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.65%
▼ 1.49% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 1.49% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.65% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
24 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.55%
▼ 1.59% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 1.59% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.55% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
24 Month Certificate of Deposit
$0
1.35%
▼ 1.79% below Arizona avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 1.79% below avgNationally 2.88%
Details
Term: 24 Months (24-35 Months); Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.35% APY · checked 5 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
9336 E Raintree Dr Ste 1b, Scottsdale, AZ 85260
24 Month Certificate
$1,000
1.00%
▼ 2.14% below Arizona avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▼ 2.14% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.39% below Arizona avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 2.39% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
24 Month Standard CD
$1,000
0.75%
▼ 2.39% below Arizona avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 2.39% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Jumbo CD - 2-Year Jumbo
$100,000
0.40%
▼ 2.74% below Arizona avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 2.74% below avgNationally 2.88%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Term CD - 2-Year Term
$1,000
0.40%
▼ 2.74% below Arizona avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 2.74% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
RampUp CD - 2-Year RampUp Plus
$25,000
0.25%
▼ 2.89% below Arizona avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 2.89% below avgNationally 2.88%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
2 Year Certificate of Deposit
$500
0.05%
▼ 3.09% below Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 3.09% below avgNationally 2.88%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
24 Month Certificate of Deposit
$0
0.03%
▼ 3.11% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 3.11% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 24 Months
$250
0.03%
▼ 3.11% below Arizona avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 3.11% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
24 Month Certificate of Deposit
$0
0.02%
▼ 3.12% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 3.12% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 24 Months
$250
0.02%
▼ 3.12% below Arizona avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 3.12% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
24 Month Certificate of Deposit
$0
0.01%
▼ 3.13% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 3.13% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 24 Months
$250
0.01%
▼ 3.13% below Arizona avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▼ 3.13% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2 Year Business Certificate
$0
4.60%
▲ 1.46% above Arizona avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.46% above avgNationally 2.88%
Details
Rate History
1 change since Sep 27, 2026 · 4.05% → 4.60% ▲ 0.55 pts · high 4.60% / low 4.05%
- Oct 6, 20264.60%▲ from 4.05%
- Sep 27, 20264.05%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
2 Year Share Certificate
$0
4.55%
▲ 1.41% above Arizona avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.41% above avgNationally 2.88%
Details
Also applies to Traditional IRA Certificates and Roth IRA Certificates
Rate History
1 change since Sep 27, 2026 · 3.95% → 4.55% ▲ 0.60 pts · high 4.55% / low 3.95%
- Oct 6, 20264.55%▲ from 3.95%
- Sep 27, 20263.95%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50%
▲ 1.36% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.36% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Share Certificate
$0
4.30%
▲ 1.16% above Arizona avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.16% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-Month CD
$1,000
4.25%
▲ 1.11% above Arizona avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details
Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25%
▲ 1.11% above Arizona avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 1.11% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 Month Certificate of Deposit
$0
4.12%
▲ 0.98% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.14%▲ 0.98% above avgNationally 2.88%
Details
Balance: $500.00 to $49,999.99
Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
- Oct 8, 20264.12%▲ from 4.02%
- Sep 25, 20264.02%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10%
▲ 0.96% above Arizona avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05%
▲ 0.91% above Arizona avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.91% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.02%
▲ 0.88% above Arizona avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.88% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- Oct 13, 20264.02%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.02%
▲ 0.88% above Arizona avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.88% above avgNationally 2.88%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
First Western Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 15.55%
24 Month CD
$0
4.00%
▲ 0.86% above Arizona avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details
Special rate as of August 18, 2026; APY effective as of August 18, 2026; Call or visit your local First Western Bank for more information
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00%
▲ 0.86% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 0.86% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.86% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95%
▲ 0.81% above Arizona avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.81% above avgNationally 2.88%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
24 Month Certificate
$0
3.92%
▲ 0.78% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.78% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.90%
▲ 0.76% above Arizona avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.14%▲ 0.76% above avgNationally 2.88%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.86%
▲ 0.72% above Arizona avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.72% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
- Oct 9, 20263.86%▲ from 3.81%
- Sep 25, 20263.81%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
24 Month CD - Relationship
$0
3.86%
▲ 0.72% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.14%▲ 0.72% above avgNationally 2.88%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit
Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 5 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
3.82%
▲ 0.68% above Arizona avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
- Oct 9, 20263.82%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month Certificate
$1,000
3.82%
▲ 0.68% above Arizona avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.14%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
Scottsdale 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
15100 N 78th Way, Scottsdale, AZ 85260
36-Month CD
$0
4.40%
▲ 1.42% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.42% above avgNationally 2.81%
Details
CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply
Rate History
No change since Oct 14, 2026 · 4.40% APY
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
36 Month Term Share Certificates
$0
4.00%
▲ 1.02% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
- Oct 12, 20264.00%▲ from 3.75%
- Oct 4, 20263.75%▼ from 4.25%
- Sep 12, 20264.25%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
36 Month Term Share Certificates
$0
3.75%
▲ 0.77% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 0.77% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
- Oct 4, 20263.75%▼ from 4.00%
- Sep 12, 20264.00%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7150 E Camelback Rd, Scottsdale, AZ 85251
Certificate of Deposit 36-Month
$500
3.51%
▲ 0.53% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.53% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 14, 20263.03%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
20645 N Pima Rd, Scottsdale, AZ 85255
36 Month Certificate of Deposit (CD)
$0
3.50%
▲ 0.52% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
36 Month Business Certificate
$500
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
36 Month Certificate
$500
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
36 Month IRA Certificate
$500
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
36 Month Youth Certificate
$500
3.25%
▲ 0.27% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
16600 N Scottsdale Rd, Scottsdale, AZ 85254
36-Month Share Certificate
$2,000
2.85%
▼ 0.13% below Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▼ 0.13% below avgNationally 2.81%
Details
This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty.
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
Business & Non-Profit Term Share Certificates - 36 months
$0
2.75%
▼ 0.23% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▼ 0.23% below avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 4, 20262.75%▼ from 3.00%
- Sep 12, 20263.00%first recorded
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
36 Month Certificate
$1,000
2.50%
▼ 0.48% below Arizona avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▼ 0.48% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
36 Month Certificate of Deposit - Platinum Loyalty Tier
$0
1.90%
▼ 1.08% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 1.08% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 1.90% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
36 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.80%
▼ 1.18% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 1.18% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.80% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
36 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.70%
▼ 1.28% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 1.28% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.70% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
36 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.60%
▼ 1.38% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 1.38% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.60% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
36 Month Certificate of Deposit
$0
1.40%
▼ 1.58% below Arizona avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 1.58% below avgNationally 2.81%
Details
Term: 36 Months (36-47 Months); Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 5 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
9336 E Raintree Dr Ste 1b, Scottsdale, AZ 85260
36 Month Certificate
$1,000
1.00%
▼ 1.98% below Arizona avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▼ 1.98% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.23% below Arizona avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.23% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
36 Month Standard CD
$1,000
0.75%
▼ 2.23% below Arizona avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.23% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Jumbo CD - 3-Year Jumbo
$100,000
0.40%
▼ 2.58% below Arizona avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.58% below avgNationally 2.81%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Term CD - 3-Year Term
$1,000
0.40%
▼ 2.58% below Arizona avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.58% below avgNationally 2.81%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
RampUp CD - 3-Year RampUp
$25,000
0.25%
▼ 2.73% below Arizona avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.73% below avgNationally 2.81%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
3 Year Certificate of Deposit
$500
0.05%
▼ 2.93% below Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.93% below avgNationally 2.81%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
36 Month Certificate of Deposit
$0
0.03%
▼ 2.95% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.95% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 36 Months
$250
0.03%
▼ 2.95% below Arizona avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.95% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
36 Month Certificate of Deposit
$0
0.02%
▼ 2.96% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.96% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 36 Months
$250
0.02%
▼ 2.96% below Arizona avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.96% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
36 Month Certificate of Deposit
$0
0.01%
▼ 2.97% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.97% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 36 Months
$250
0.01%
▼ 2.97% below Arizona avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▼ 2.97% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
3 Year Business Certificate
$0
4.65%
▲ 1.67% above Arizona avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.67% above avgNationally 2.81%
Details
Rate History
1 change since Sep 27, 2026 · 4.10% → 4.65% ▲ 0.55 pts · high 4.65% / low 4.10%
- Oct 6, 20264.65%▲ from 4.10%
- Sep 27, 20264.10%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
3 Year Share Certificate
$0
4.60%
▲ 1.62% above Arizona avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.62% above avgNationally 2.81%
Details
Also applies to Traditional IRA Certificates and Roth IRA Certificates
Rate History
1 change since Sep 27, 2026 · 4.00% → 4.60% ▲ 0.60 pts · high 4.60% / low 4.00%
- Oct 6, 20264.60%▲ from 4.00%
- Sep 27, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month Share Certificate
$0
4.25%
▲ 1.27% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 1.27% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.17% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
36 Month Certificate of Deposit
$0
4.12%
▲ 1.14% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.98%▲ 1.14% above avgNationally 2.81%
Details
Balance: $500.00 to $49,999.99
Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
- Oct 8, 20264.12%▲ from 4.02%
- Sep 25, 20264.02%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.12% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 1.12% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10%
▲ 1.12% above Arizona avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.12% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05%
▲ 1.07% above Arizona avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.07% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 9, 20264.05%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02%
▲ 1.04% above Arizona avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 1.04% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- Oct 13, 20264.02%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.02%
▲ 1.04% above Arizona avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 1.04% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00%
▲ 1.02% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00%
▲ 1.02% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00%
▲ 1.02% above Arizona avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
36 Month Certificate
$0
3.97%
▲ 0.99% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.99% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
36 Month CD - Relationship
$0
3.96%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.98%▲ 0.98% above avgNationally 2.81%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95%
▲ 0.97% above Arizona avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.97% above avgNationally 2.81%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95%
▲ 0.97% above Arizona avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.97% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90%
▲ 0.92% above Arizona avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.92% above avgNationally 2.81%
Details
Balance: $1,000
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90%
▲ 0.92% above Arizona avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.98%▲ 0.92% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
3.86%
▲ 0.88% above Arizona avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.98%▲ 0.88% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
- Oct 9, 20263.86%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Scottsdale 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: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
48 Month Term Share Certificates
$0
4.00%
▲ 1.33% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.33% above avgNationally 2.80%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
- Oct 12, 20264.00%▲ from 3.75%
- Oct 4, 20263.75%▼ from 4.25%
- Sep 12, 20264.25%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
48 Month Term Share Certificates
$0
3.75%
▲ 1.08% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
- Oct 4, 20263.75%▼ from 4.00%
- Sep 12, 20264.00%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7150 E Camelback Rd, Scottsdale, AZ 85251
Certificate of Deposit 48-Month
$500
3.51%
▲ 0.84% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.84% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 14, 20263.03%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
Business & Non-Profit Term Share Certificates - 48 months
$0
2.75%
▲ 0.08% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details
Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 4, 20262.75%▼ from 3.00%
- Sep 12, 20263.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
20645 N Pima Rd, Scottsdale, AZ 85255
48 Month Certificate of Deposit (CD)
$0
2.75%
▲ 0.08% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.08% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
48 Month Certificate
$1,000
2.50%
▼ 0.17% below Arizona avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▼ 0.17% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
48 Month Certificate of Deposit - Platinum Loyalty Tier
$0
1.95%
▼ 0.72% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 0.72% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 1.95% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
48 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.85%
▼ 0.82% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 0.82% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.85% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
48 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.75%
▼ 0.92% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 0.92% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.75% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
48 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.65%
▼ 1.02% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.02% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.65% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
48 Month Certificate of Deposit
$0
1.45%
▼ 1.22% below Arizona avg
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.22% below avgNationally 2.80%
Details
Term: 48 Months (48-59 Months); Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.45% APY · checked 5 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
9336 E Raintree Dr Ste 1b, Scottsdale, AZ 85260
48 Month Certificate
$1,000
1.00%
▼ 1.67% below Arizona avg
▼
Rate0.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average2.67%▼ 1.67% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.92% below Arizona avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
48 Month Standard CD
$1,000
0.75%
▼ 1.92% below Arizona avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 1.92% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.17% below Arizona avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.17% below avgNationally 2.80%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.17% below Arizona avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.17% below avgNationally 2.80%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.42% below Arizona avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.42% below avgNationally 2.80%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
4 Year Certificate of Deposit
$500
0.15%
▼ 2.52% below Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.52% below avgNationally 2.80%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
48 Month Certificate of Deposit
$0
0.03%
▼ 2.64% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.64% below avgNationally 2.80%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 48 Months
$250
0.03%
▼ 2.64% below Arizona avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.64% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
48 Month Certificate of Deposit
$0
0.02%
▼ 2.65% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.65% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 48 Months
$250
0.02%
▼ 2.65% below Arizona avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.65% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
48 Month Certificate of Deposit
$0
0.01%
▼ 2.66% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 48 Months
$250
0.01%
▼ 2.66% below Arizona avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▼ 2.66% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
4 Year Business Certificate
$0
4.75%
▲ 2.08% above Arizona avg
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 2.08% above avgNationally 2.80%
Details
Rate History
1 change since Sep 27, 2026 · 4.10% → 4.75% ▲ 0.65 pts · high 4.75% / low 4.10%
- Oct 6, 20264.75%▲ from 4.10%
- Sep 27, 20264.10%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
4 Year Share Certificate
$0
4.65%
▲ 1.98% above Arizona avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.98% above avgNationally 2.80%
Details
Also applies to Traditional IRA Certificates and Roth IRA Certificates
Rate History
1 change since Sep 27, 2026 · 4.00% → 4.65% ▲ 0.65 pts · high 4.65% / low 4.00%
- Oct 6, 20264.65%▲ from 4.00%
- Sep 27, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Share Certificate
$0
4.25%
▲ 1.58% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.58% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 13, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
48 Month Certificate
$0
4.02%
▲ 1.35% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average2.67%▲ 1.35% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 7 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97%
▲ 1.30% above Arizona avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Oct 13, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97%
▲ 1.30% above Arizona avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.30% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81%
▲ 1.14% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.14% above avgNationally 2.80%
Details
Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81%
▲ 1.14% above Arizona avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.14% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
- Sep 21, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4 Year Certificate
$1,000
3.75%
▲ 1.08% above Arizona avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
Copper State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
4 Year Certificate
$0
3.75%
▲ 1.08% above Arizona avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Business Certificate; Dividend Rate 3.69%; Early withdrawal penalty: 365 days' dividends (36 months or more); Effective October 5, 2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
48 Month Term Share Certificates / IRA Certificates (Jumbo)
$75,000
3.75%
▲ 1.08% above Arizona avg
▼
Rate3.70%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Jumbo; Penalties may apply for early withdrawal
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Term Share Certificates / IRA Certificates (Jumbo) - 48 months
$75,000
3.75%
▲ 1.08% above Arizona avg
▼
Rate3.70%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 1.08% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.65%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.98% above avgNationally 2.80%
Details
Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.90%
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.65%
▲ 0.98% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.98% above avgNationally 2.80%
Details
Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.90%
Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 7, 20263.65%▼ from 3.75%
- Oct 2, 20263.75%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.50%
▲ 0.83% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 3.75%
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.50%
▲ 0.83% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details
Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 3.75%
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
48 Month Term Share Certificates / IRA Certificates (Regular)
$1,000
3.50%
▲ 0.83% above Arizona avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details
Penalties may apply for early withdrawal.
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Term Share Certificates / IRA Certificates (Regular) - 48 months
$1,000
3.50%
▲ 0.83% above Arizona avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.83% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 4 times
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
4 Year Share Certificate
$500
3.45%
▲ 0.78% above Arizona avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average2.67%▲ 0.78% above avgNationally 2.80%
Details
A minimum of $500 is required to establish a share certificate
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
- Oct 9, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month TSC or IRA TSC
$10,000
3.40%
▲ 0.73% above Arizona avg
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.73% above avgNationally 2.80%
Details
Relationship Pricing; requires Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month TSC or IRA TSC
$500
3.35%
▲ 0.68% above Arizona avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.68% above avgNationally 2.80%
Details
Relationship Pricing; requires Checking and Direct Deposit or Regular Reoccurring Deposit to Checking; Compounding: Monthly; Effective July 1, 2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
American Southwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Term Share Certificates - 48 Month TSC or IRA TSC
$500
3.30%
▲ 0.63% above Arizona avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.63% above avgNationally 2.80%
Details
Non-Relationship Pricing; Compounding Period: Monthly; Effective July 1, 2026
Rate History
No change since Oct 14, 2026 · 3.30% APY
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate of Deposit
$0
3.25%
▲ 0.58% above Arizona avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.58% above avgNationally 2.80%
Details
CD Term (Minimum Balance $500)
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
- Oct 2, 20263.25%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 48 months
$0
3.25%
▲ 0.58% above Arizona avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.58% above avgNationally 2.80%
Details
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$100,000
2.85%
▲ 0.18% above Arizona avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.18% above avgNationally 2.80%
Details
Jumbo certificate; $100,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$100,000
2.85%
▲ 0.18% above Arizona avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average2.67%▲ 0.18% above avgNationally 2.80%
Details
Jumbo: $100,000 min. deposit; Dividend Rate 2.810%
Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
- Oct 7, 20262.85%▲ from 2.75%
- Sep 24, 20262.75%first recorded
Scottsdale 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: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
60 Month Term Share Certificates
$0
4.00%
▲ 0.96% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details
Checking Relationship APY
Rate History
2 changes since Sep 12, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 3.75%
- Oct 12, 20264.00%▲ from 3.75%
- Oct 4, 20263.75%▼ from 4.25%
- Sep 12, 20264.25%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
60 Month Term Share Certificates
$0
3.75%
▲ 0.71% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 0.71% above avgNationally 2.91%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
- Oct 4, 20263.75%▼ from 4.00%
- Sep 12, 20264.00%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7150 E Camelback Rd, Scottsdale, AZ 85251
Certificate of Deposit 60-Month
$500
3.51%
▲ 0.47% above Arizona avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.47% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 14, 20263.03%first recorded
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
60 Month Business Certificate
$500
3.25%
▲ 0.21% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
60 Month Certificate
$500
3.25%
▲ 0.21% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
14601 N Scottsdale Rd Ste 115, Scottsdale, AZ 85254 2984
60 Month IRA Certificate
$500
3.25%
▲ 0.21% above Arizona avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 0.21% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
16600 N Scottsdale Rd, Scottsdale, AZ 85254
60-Month Share Certificate
$2,000
2.85%
▼ 0.19% below Arizona avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▼ 0.19% below avgNationally 2.91%
Details
This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty.
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593
Business & Non-Profit Term Share Certificates - 60 months
$0
2.75%
▼ 0.29% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.29% below avgNationally 2.91%
Details
Rate History
1 change since Sep 12, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 4, 20262.75%▼ from 3.00%
- Sep 12, 20263.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
20645 N Pima Rd, Scottsdale, AZ 85255
60 Month Certificate of Deposit (CD)
$0
2.75%
▼ 0.29% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 0.29% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
8777 E Hartford Dr, Scottsdale, AZ 85255
60 Month Certificate
$1,000
2.50%
▼ 0.54% below Arizona avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 0.54% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
60 Month Certificate of Deposit - Platinum Loyalty Tier
$0
2.00%
▼ 1.04% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 1.04% below avgNationally 2.91%
Details
Loyalty Program Platinum Tier; Interest Rate is Base Interest Rate + 0.50%
Rate History
No change since Oct 14, 2026 · 2.00% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
60 Month Certificate of Deposit - Gold Loyalty Tier
$0
1.90%
▼ 1.14% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 1.14% below avgNationally 2.91%
Details
Loyalty Program Gold Tier; Interest Rate is Base Interest Rate + 0.40%
Rate History
No change since Oct 14, 2026 · 1.90% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
60 Month Certificate of Deposit - Silver Loyalty Tier
$0
1.80%
▼ 1.24% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 1.24% below avgNationally 2.91%
Details
Loyalty Program Silver Tier; Interest Rate is Base Interest Rate + 0.30%
Rate History
No change since Oct 14, 2026 · 1.80% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
60 Month Certificate of Deposit - Bronze Loyalty Tier
$0
1.70%
▼ 1.34% below Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 1.34% below avgNationally 2.91%
Details
Loyalty Program Bronze Tier; Interest Rate is Base Interest Rate + 0.20%
Rate History
No change since Oct 14, 2026 · 1.70% APY
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18750 N Hayden Road, Scottsdale, AZ 85255
60 Month Certificate of Deposit
$0
1.50%
▼ 1.54% below Arizona avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 1.54% below avgNationally 2.91%
Details
Base rate from Consumer Rate Sheet
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Parkway Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
9336 E Raintree Dr Ste 1b, Scottsdale, AZ 85260
60 Month Certificate
$1,000
1.20%
▼ 1.84% below Arizona avg
▼
Rate1.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▼ 1.84% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.29% below Arizona avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.29% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
9333 N 90th St, Scottsdale, AZ 85258
60 Month Standard CD
$1,000
0.75%
▼ 2.29% below Arizona avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.29% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Jumbo CD - 5-Year Jumbo
$100,000
0.50%
▼ 2.54% below Arizona avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.54% below avgNationally 2.91%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
14650 N Northsight Blvd, Scottsdale, AZ 85260
Term CD - 5-Year Term
$1,000
0.50%
▼ 2.54% below Arizona avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.54% below avgNationally 2.91%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
6720 N Scottsdale Rd, Scottsdale, AZ 85253
60 Month Business Fixed Rate Certificates of Deposit
$1,000
0.35%
▼ 2.69% below Arizona avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.69% below avgNationally 2.91%
Details
Balance: $90,000 +; Renewal Term: 60 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
6720 N Scottsdale Rd, Scottsdale, AZ 85253
60 Month Fixed Rate Certificates of Deposit
$0
0.35%
▼ 2.69% below Arizona avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.69% below avgNationally 2.91%
Details
Balance: $90,000 and over; Renewal Term: 60 Months
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
6720 N Scottsdale Rd, Scottsdale, AZ 85253
60 Month Business Fixed Rate Certificates of Deposit
$1,000
0.30%
▼ 2.74% below Arizona avg
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.74% below avgNationally 2.91%
Details
Balance: $1,000 - $89,999; Renewal Term: 60 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
6720 N Scottsdale Rd, Scottsdale, AZ 85253
60 Month Fixed Rate Certificates of Deposit
$0
0.30%
▼ 2.74% below Arizona avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 2.74% below avgNationally 2.91%
Details
Balance: $1,000 - $89,999; Renewal Term: 60 Months
Rate History
1 change since Sep 24, 2026 · 0.35% → 0.30% ▼ 0.05 pts · high 0.35% / low 0.30%
- Oct 7, 20260.30%▼ from 0.35%
- Sep 24, 20260.35%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
60 Month Certificate of Deposit
$0
0.03%
▼ 3.01% below Arizona avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 3.01% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 60 Months
$250
0.03%
▼ 3.01% below Arizona avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 3.01% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
60 Month Certificate of Deposit
$0
0.02%
▼ 3.02% below Arizona avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 3.02% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 60 Months
$250
0.02%
▼ 3.02% below Arizona avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 3.02% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
60 Month Certificate of Deposit
$0
0.01%
▼ 3.03% below Arizona avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 3.03% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
7335 E Doubletree Ranch Rd, Scottsdale, AZ 85258
IRA CD - 60 Months
$250
0.01%
▼ 3.03% below Arizona avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▼ 3.03% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
5 Year Business Certificate
$0
4.80%
▲ 1.76% above Arizona avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 1.76% above avgNationally 2.91%
Details
Rate History
1 change since Sep 27, 2026 · 4.15% → 4.80% ▲ 0.65 pts · high 4.80% / low 4.15%
- Oct 6, 20264.80%▲ from 4.15%
- Sep 27, 20264.15%first recorded
TUCSON
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
5 Year Share Certificate
$0
4.70%
▲ 1.66% above Arizona avg
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 1.66% above avgNationally 2.91%
Details
Also applies to Traditional IRA Certificates and Roth IRA Certificates
Rate History
1 change since Sep 27, 2026 · 4.05% → 4.70% ▲ 0.65 pts · high 4.70% / low 4.05%
- Oct 6, 20264.70%▲ from 4.05%
- Sep 27, 20264.05%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50%
▲ 1.46% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.46% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50%
▲ 1.46% above Arizona avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.46% above avgNationally 2.91%
Details
Dividends credited monthly; early-withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Regular Certificate - 60 Months
$500
4.50%
▲ 1.46% above Arizona avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.46% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 5, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate
$500
4.35%
▲ 1.31% above Arizona avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.31% above avgNationally 2.91%
Details
Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30%
▲ 1.26% above Arizona avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.26% above avgNationally 2.91%
Details
Terms: See Terms
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 9, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
60 Month Share Certificate
$0
4.25%
▲ 1.21% above Arizona avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 1.21% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 13, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
60 Month Certificate of Deposit
$0
4.12%
▲ 1.08% above Arizona avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arizona Average3.04%▲ 1.08% above avgNationally 2.91%
Details
Balance: $500.00 to $49,999.99
Rate History
1 change since Sep 25, 2026 · 4.02% → 4.12% ▲ 0.10 pts · high 4.12% / low 4.02%
- Oct 8, 20264.12%▲ from 4.02%
- Sep 25, 20264.02%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10%
▲ 1.06% above Arizona avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 1.06% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
60 Month Certificate
$0
4.07%
▲ 1.03% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 1.03% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
Vantage West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
60 Month CD - Relationship
$0
4.06%
▲ 1.02% above Arizona avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Arizona Average3.04%▲ 1.02% above avgNationally 2.91%
Details
Relationship Rate APY; requires Relationship Rates qualifying conditions; Consumer Certificate of Deposit
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05%
▲ 1.01% above Arizona avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 1.01% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.00%
▲ 0.96% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.00%
▲ 0.96% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00%
▲ 0.96% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 0.96% above Arizona avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00%
▲ 0.96% above Arizona avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.96% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.95%
▲ 0.91% above Arizona avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.91% above avgNationally 2.91%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95%
▲ 0.91% above Arizona avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arizona Average3.04%▲ 0.91% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
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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.
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Scottsdale, AZ CD Rate Trends
Compare local Scottsdale, 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
3.378%
▲ 0.026 vs 7 days ago
Arizona 12-month CD rates rose 0.026 points over the past 7 days to 3.378% APY.
6-Month CD AZ Avg
3.121%
▲ 0.006 vs 7 days ago
Arizona 6-month CD rates rose 0.006 points over the past 7 days to 3.121% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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AZ CD Rate Forecast, Next 12 Months
Where are Arizona CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AZ 12-Month Avg APY
3.378%
6-Month Forecast
3.378%
Range: 3.18%, 3.53%
12-Month Forecast
3.628%
Range: 3.43%, 3.78%
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What Your Savings Earn at AZ CD Rates Today
Annual interest earnings at today’s Arizona average APYs. State average used where available; national average as fallback.
| CD Term | AZ Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.343% | $117.14 | $234.28 | $585.70 | $1,171.40 |
| 6-Month CD | 3.121% | $156.07 | $312.14 | $780.35 | $1,560.70 |
| 12-Month CD | 3.378% | $168.92 | $337.83 | $844.58 | $1,689.15 |
| 18-Month CD | 3.265% | $163.26 | $326.51 | $816.28 | $1,632.55 |
| 24-Month CD | 3.140% | $157.01 | $314.02 | $785.05 | $1,570.10 |
| 36-Month CD | 2.977% | $148.86 | $297.71 | $744.28 | $1,488.55 |
| 48-Month CD | 2.669% | $133.43 | $266.85 | $667.13 | $1,334.25 |
| 60-Month CD | 3.041% | $152.07 | $304.14 | $760.35 | $1,520.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Scottsdale, 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 | 2.343% | $117.14 |
| 2 | 6-Month CD | $5,000 | 3.121% | $156.07 |
| 3 | 12-Month CD | $5,000 | 3.378% | $168.92 |
| 4 | 24-Month CD | $5,000 | 3.140% | $157.01 |
| 5 | 36-Month CD | $5,000 | 2.977% | $148.86 |
| Total ($25,000 invested) | $25,000 | 2.992% blended | $748.00/yr | |
Ladder example uses equal $5,000 rungs and Arizona average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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900
CD Rates
Tracked in Scottsdale, Arizona
Tracked in Scottsdale, Arizona
23 Banks
38 Credit Unions
About Our Scottsdale, Arizona CD Rate Database
MonitorBankRates tracks 900 CD rates from 23 banks and 38 credit unions with locations in Scottsdale, Arizona, plus national online institutions available to Arizona residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Academy Bank offers a CD at 4.40% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Scottsdale, Arizona.
How to Find the Best CD Rates in Scottsdale, Arizona
What to compare when shopping for a CD in Scottsdale, Arizona
To find the best APYs in Scottsdale, Arizona, start with credit unions and online-only banks: Scottsdale, Arizona has 38 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 Scottsdale, 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 Scottsdale, Arizona: 61 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Scottsdale, 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 Scottsdale, Arizona money market rates
Scottsdale, Arizona Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
26.4%
National avg: 17.3%
Median Individual Earnings
$66,796
National avg: $47,340
Poverty Rate
7.3%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$226/yr
At AZ 12-mo avg 3.378% APY
26.4% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.6% reflects a strong local economy. At today’s AZ 12-month CD average of 3.378%, saving 10% of the local median salary ($6,679/year) and putting it in a CD would earn an additional $226 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 Scottsdale, Arizona
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Scottsdale, 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 Scottsdale, 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 Scottsdale, Arizona as everywhere in the U.S.
Choosing a CD Term in Scottsdale, 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 Scottsdale, Arizona savers easier access to their funds. For example, Flagstar Bank, National Association is offering its 6-Month Business CD 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 Certificates at 4.00% 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 Scottsdale, 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 Scottsdale, 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 Scottsdale, 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 Scottsdale, 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 Scottsdale, Arizona
Most CDs carry a fixed rate that is locked for the entire term, protecting a Scottsdale, 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 Scottsdale, Arizona
Are CD rates in Scottsdale, Arizona FDIC insured?
Yes, most established banks in Scottsdale, 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 Scottsdale, 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 Scottsdale, 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 Scottsdale, 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 Scottsdale, Arizona?
Here are recent top rates found for this area:
- Academy Bank: 4.40% APY (Certificate of Deposit 18-Month)
- Banterra Bank: 4.40% APY (36-Month CD)
- Vio Bank: 4.40% APY (24 Month Certificate of Deposit (CD))
- Flagstar Bank, National Association: 4.30% APY (12 Month Business CD)
- Pima Federal Credit Union: 4.25% APY (18 Month Term Share Certificates)
- Western State Bank: 4.20% APY (18 Month CD)
- Credit Union West Credit Union: 4.15% APY (12 Month Business Certificate)
- Bankers Trust Company: 4.06% APY (3 Month CD - Loyalty Platinum Tier)
- Desert Financial Credit Union: 4.05% APY (6 Month Jumbo Certificate)
- CIT Bank: 4.00% APY (Term CD - 1-Year Term)
Rates reflect recent verified offers available in Scottsdale, Arizona. Last Updated: October 14, 2026
Scottsdale, 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 Scottsdale, Arizona rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Scottsdale, Arizona
Scottsdale, Arizona CD Calculator
At today’s AZ top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Scottsdale, Arizona CD LadderAZ CD rates currently range from 2.343% (3-month) to 2.977% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Scottsdale, Arizona CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsArizona’s average 12-month CD is 3.378% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Scottsdale, 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 Scottsdale, 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 Scottsdale, Arizona. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AZ.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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