Banner Federal Credit Union CD Rates

How Banner Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Phoenix, AZ, where Banner Federal Credit Union has the most branches. $10,000, best rate first.

Top rate
America First Credit Union
4.60%APY
Term
60 months
Minimum
$500
Earns on $10,000
$2,522
America First Credit Union rates
2nd-highest rate
AERO Financial
4.50%APY
Term
7 months
Minimum
$500
Earns on $10,000
$260
AERO Financial rates
3rd-highest rate
Landings Credit Union
4.50%APY
Term
18 months
Minimum
$500
Earns on $10,000
$683
Landings Credit Union rates

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Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Closed to new customers

IRA Share Certificate

Up to 3.75%APY · 6 termsIRAFrom $500 to open

Must be a Banner Federal Credit Union member. Dividends are paid on the entire balance once the tier minimum is met. Fixed rate certificate with interest rate remaining constant until maturity. No additional deposits permitted during term. Early withdrawal penalties apply (30 days of interest for 6 month to 1 year certificates; 90 days of interest for 18 months to 3 years certificates). May not be transferred, pledged, or assigned, and is not subject to any pledge of shares or deposits owner previously signed. Automatically renews on maturity date with a 10-day grace period.

Earnings on $10,000 over the term.
Term	APY · $500 – $9,999	APY · $10,000 and up	APY	Earns on $10,000Earns
6 monthsEarly withdrawal penalty is 30 days of interest	3.70%	3.75%	3.75%3.70% $500–$10k	$186
12 monthsEarly withdrawal penalty is 30 days of interest	3.70%	3.75%	3.75%3.70% $500–$10k	$375
18 monthsEarly withdrawal penalty is 90 days of interest	3.45%	3.50%	3.50%3.45% $500–$10k	$530
24 monthsEarly withdrawal penalty is 90 days of interest	3.45%	3.50%	3.50%3.45% $500–$10k	$712
30 monthsEarly withdrawal penalty is 90 days of interest	3.20%	3.25%	3.25%3.20% $500–$10k	$832
36 monthsEarly withdrawal penalty is 90 days of interest	2.95%	3.00%	3.00%2.95% $500–$10k	$927

Sources (3)

All captured Oct 3, 2026

Share Certificate

Up to 3.75%APY · 6 termsFrom $500 to open

Must be a Banner Federal Credit Union member. Dividends are paid on the entire balance once the tier minimum is met. Fixed rate certificate with interest rate remaining constant until maturity. No additional deposits permitted during term. Early withdrawal penalties apply (30 days of interest for 6 month to 1 year certificates; 90 days of interest for 18 months to 3 years certificates). Automatically renews on maturity date with a 10-day grace period.

Earnings on $10,000 over the term.
Term	APY · $500 – $9,999	APY · $10,000 and up	APY	Earns on $10,000Earns
6 monthsEarly withdrawal penalty is 30 days of interest	3.70%	3.75%	3.75%3.70% $500–$10k	$186
12 monthsEarly withdrawal penalty is 30 days of interest	3.70%	3.75%	3.75%3.70% $500–$10k	$375
18 monthsEarly withdrawal penalty is 90 days of interest	3.45%	3.50%	3.50%3.45% $500–$10k	$530
24 monthsEarly withdrawal penalty is 90 days of interest	3.45%	3.50%	3.50%3.45% $500–$10k	$712
30 monthsEarly withdrawal penalty is 90 days of interest	3.20%	3.25%	3.25%3.20% $500–$10k	$832
36 monthsEarly withdrawal penalty is 90 days of interest	2.95%	3.00%	3.00%2.95% $500–$10k	$927

Sources (3)

All captured Oct 3, 2026

Who can join Banner Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

Membership is primarily open to employees of Banner Health System and small employee groups affiliated with health care providers.

Family and household

Immediate family members of eligible members are eligible to join.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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