Credit union · NCUA insured
Arizona Central Credit Union CD Rates
Arizona Central Credit Union’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Arizona Central Credit Union’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where Arizona Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Arizona Central Credit Union
4.25%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $644
Certificates of Deposit
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
AERO Financial
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Arizona Central Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.25%
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 Arizona Central Credit Union 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.
Certificates of Deposit
Up to 4.25%APY · 8 terms
Membership with credit union required by opening a Share Savings account with a minimum balance of $5. Dividends compounded and paid monthly. Early withdrawal penalties may apply.
| Term | APY · $1,000 – $100,000 | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.04% | — | — | 3.04% | $151 |
| 6 monthsJumbo CD tier | — | — | 3.14% | —3.14% from $100k | — |
| 9 monthsPromotional Certificate. No new money required. Renews into a standard 6-month certificate at maturity. Early withdrawal penalty equal to 30-days of dividends | — | 4.00% | — | 4.00% | $299 |
| 12 months | 3.60% | — | — | 3.60% | $360 |
| 12 monthsJumbo CD tier | — | — | 3.70% | —3.70% from $100k | — |
| 18 monthsPromotional Certificate. No new money required. Renews into a standard 12-month certificate at maturity. Early withdrawal penalty equal to 90-days of dividends | — | 4.25% | — | 4.25% | $644 |
| 24 months | 3.70% | — | — | 3.70% | $754 |
| 24 monthsJumbo CD tier | — | — | 3.80% | —3.80% from $100k | — |
| 36 months | 3.80% | — | — | 3.80% | $1,184 |
| 36 monthsJumbo CD tier | — | — | 3.90% | —3.90% from $100k | — |
| 48 months | 3.04% | — | — | 3.04% | $1,273 |
| 48 monthsJumbo CD tier | — | — | 3.15% | —3.15% from $100k | — |
| 60 months | 3.04% | — | — | 3.04% | $1,615 |
| 60 monthsJumbo CD tier | — | — | 3.15% | —3.15% from $100k | — |
Sources (2)
- azcentralcu.org/wp-content/upl…Rate-Sheet-9_15_2026.pdf
- azcentralcu.org/banking/savings/certificates-of-deposit
All captured Oct 22, 2026
Special-purpose accounts
Health Savings Account Certificate of Deposit
3.82%APY · 1 term
Available for 12 month terms. No early withdrawal penalty for withdrawals used to pay for qualified medical expenses.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.82% | — | 3.82% | $382 |
| 12 monthsJumbo CD tier | — | 3.92% | —3.92% from $100k | — |
Sources (2)
All captured Oct 22, 2026
IRA Certificate
Up to 3.80%APY · 5 terms
IRA Certificates available for 12, 24, 36, 48 & 60 month terms. Traditional and Roth IRA wrappers supported. Dividends compounded and paid monthly.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.60% | 3.70% | 3.60%3.70% from $100k | $360 |
| 24 months | 3.70% | 3.80% | 3.70%3.80% from $100k | $754 |
| 36 months | 3.80% | 3.90% | 3.80%3.90% from $100k | $1,184 |
| 48 months | 3.04% | 3.15% | 3.04%3.15% from $100k | $1,273 |
| 60 months | 3.04% | 3.15% | 3.04%3.15% from $100k | $1,615 |
Sources (2)
- azcentralcu.org/banking/saving…idual-retirement-account
- azcentralcu.org/wp-content/upl…Rate-Sheet-9_15_2026.pdf
All captured Oct 22, 2026
NextGEN Certificate
3.04%APY · 1 term
Available to NextGEN Youth Program members only. Special certificate for kids and teens. Membership with credit union required by opening a Share Savings account with a minimum balance of $5.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAvailable to NextGEN Youth Program members only | 3.04% | — |
Sources (2)
- azcentralcu.org/wp-content/upl…Rate-Sheet-9_15_2026.pdf
- azcentralcu.org/banking/savings/certificates-of-deposit
All captured Oct 22, 2026
Who can join Arizona Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of one of over 2,000 partner groups in Arizona Central Credit Union's field of membership are eligible to join.
Membership information collected October 4, 2026.