Credit union · NCUA insured
Avenir Financial CD Rates
Top CarrotAvenir Financial’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Avenir Financial’s CD rates compare
Compared with banks and credit unions near Yuma, AZ, where Avenir Financial has the most branches. $10,000, best rate first.
This credit union’s best
Avenir Financial
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $400
Traditional Certificates
Top rate
Academy Bank
4.40%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Avenir Financial CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.70%
- QualifiedQualified4.00%
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 Avenir 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.
Traditional Certificates
Up to 4.00%APY · 7 terms
Early withdrawal penalty applies. Dividends are compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.75% | $92 |
| 6 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.85% | $191 |
| 12 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 4.00% | $400 |
| 24 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.75% | $764 |
| 36 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.70% | $1,152 |
| 48 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.50% | $1,475 |
| 60 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.55% | $1,906 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 5 terms
Early withdrawal penalty applies. Dividends are compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 4.00% | $400 |
| 24 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.75% | $764 |
| 36 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.70% | $1,152 |
| 48 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.50% | $1,475 |
| 60 monthsMinimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies | 3.55% | $1,906 |
Sources (2)
All captured Oct 3, 2026
Who can join Avenir Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in either Yuma or La Paz County, Arizona.
Family and household
- Membership is open to immediate family members of someone who lives, works, worships, or attends school in either Yuma or La Paz County, Arizona.
Other ways
- Residents in the specified 22 counties across Arizona, California, Nevada, and New Mexico can join by making a zero-dollar donation through the Community Impact Fund (CIF).
Cost to join
- A zero-dollar ($0) donation through the Community Impact Fund (CIF) is required for residents in eligible counties joining via CIF.
- A $5 opening deposit is required to open a Share Savings Account, representing a share of ownership.
Membership information collected October 4, 2026.