Credit union · NCUA insured
AERO Financial CD Rates
Top CarrotAERO Financial’s best CD rate is 4.50% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How AERO Financial’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where AERO Financial has the most branches. $10,000, best rate first.
This credit union’s best
AERO Financial
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Share Certificate (CD)
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
3rd-highest rate
Landings Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $683
AERO Financial CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where AERO Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate (CD)
Up to 4.50%APY · 9 terms
Start saving with just a $500 minimum opening deposit. Terms from 3 months to 60 months. Dividends compound and credit monthly. Withdrawal of dividends prior to maturity will reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings | 4.00% | $99 |
| 6 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings | 4.25% | $210 |
| 7 months7 Month Special. Does not apply to Traditional and Roth IRA Certificates. Dividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings | 4.50% | $260 |
| 12 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings | 4.50% | $450 |
| 18 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings | 4.50% | $683 |
| 24 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings | 4.25% | $868 |
| 36 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings | 4.25% | $1,330 |
| 48 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings | 4.30% | $1,834 |
| 60 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings | 4.50% | $2,462 |
Sources (1)
- aerofinancial.com/share-certificate-cd · captured Oct 22, 2026
Jumbo Share Certificate
4.11%APY · 1 term
Available with a minimum investment of $100,000. Jumbo Share Certificate rates are 0.10% higher than regular Share Certificate Rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsJumbo Certificate Rates are 0.10% higher than regular certificate rates. 3 Month term | 4.11% | — |
Sources (1)
- aerofinancial.com/share-certificate-cd · captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
Up to 4.50%APY · 7 terms
Fixed rates. $500 minimum investment. Terms ranging from 3 months to 60 months. Jumbo Share Certificates available. Available for Traditional and Roth IRAs. The 7 Month Special does not apply to Traditional and Roth IRA Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. Available for Traditional and Roth IRAs | 4.25% | $210 |
| 12 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. Available for Traditional and Roth IRAs | 4.50% | $450 |
| 18 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. Available for Traditional and Roth IRAs | 4.50% | $683 |
| 24 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. Available for Traditional and Roth IRAs | 4.25% | $868 |
| 36 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. Available for Traditional and Roth IRAs | 4.25% | $1,330 |
| 48 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. Available for Traditional and Roth IRAs | 4.30% | $1,834 |
| 60 monthsDividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. Available for Traditional and Roth IRAs | 4.50% | $2,462 |
Sources (2)
All captured Oct 22, 2026
Who can join AERO Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to everyone by joining partner non-profit organization Financial Fitness Association.
Employers and groups
- Employees of the flight and aerospace industry and related sponsors.
Cost to join
- Opening an account requires a $5 minimum deposit to join AERO Financial.
Membership information collected October 4, 2026.