Credit union · NCUA insured
Arizona Financial Credit Union CD Rates
A $3.9B credit union, the 132nd largest of 4,329, headquartered in Phoenix, AZ, with 178,809 members and 20 branches in Arizona.
How Arizona Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where Arizona Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Arizona Financial Credit Union
3.75%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $186
Share Certificate
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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Share Certificate
Up to 3.75%APY · 2 terms
Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on average daily balance. Rates apply only to non-brokered deposits. Early withdrawal penalties apply. IRA Certificates ineligible for special offer.
| Term | APY · $1,000 and up | APY · $500,000 and up | APY · $1,000,000 and up | APY · $2,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 9 months | 3.55% | 3.65% | 3.75% | 4.00% | 3.55%3.65% from $500k3.75% from $1,000k4.00% from $2,000k | $265 |
| 11 months | 3.75% | 3.90% | 4.00% | 4.25% | 3.75%3.90% from $500k4.00% from $1,000k4.25% from $2,000k | $343 |
Sources (2)
All captured Oct 15, 2026
Share Certificate
Up to 3.75%APY · 7 terms
Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on average daily balance. Rates apply only to non-brokered deposits. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 18 months | 3.25% | $491 |
| 24 months | 3.00% | $609 |
| 36 months | 2.50% | $769 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 3.75%APY · 7 terms
Traditional and Roth IRA Certificate options. IRA Certificates are ineligible for High-Yield terms. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on average daily balance. Penalty waiver may be granted in cases of owner's death or normal post 59 1/2 distribution.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 18 months | 3.25% | $491 |
| 24 months | 3.00% | $609 |
| 36 months | 2.50% | $769 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (2)
All captured Oct 15, 2026
Youth Share Certificate
Up to 3.75%APY · 7 terms
Designed for youth/children savings. No monthly service fee. Minimum opening deposit $1,000; minimum balance to earn dividends $1,000. Compounded and credited monthly based on average daily balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 18 months | 3.25% | $491 |
| 24 months | 3.00% | $609 |
| 36 months | 2.50% | $769 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (1)
- arizonafinancial.org/kids-savings-account · captured Oct 15, 2026
Who can join Arizona Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or regularly conduct business in Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai, or Yuma County are eligible for membership.
Family and household
- Individuals who are family or household members of an existing Arizona Financial member are eligible for membership.
Other ways
- Individuals can become eligible for membership by making a donation of at least $15 to Local First Arizona.
Membership information collected October 4, 2026.