Credit union · NCUA insured
Cochise Credit Union CD Rates
Top CarrotCochise Credit Union’s best CD rate is 4.10% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Cochise Credit Union’s CD rates compare
Compared with banks and credit unions near Sierra Vista, AZ, where Cochise Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cochise Credit Union
4.10%APY
- Term
- 60 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $2,225
Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
American Southwest Credit Union
4.25%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $461
Cochise Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
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 Cochise 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
Up to 4.10%APY · 7 terms
Certificate accounts pay a higher interest rate and are available in terms ranging from 6 months to 5 years. There is a $1,000 minimum balance and interest is paid monthly. When your certificate come due, we will send you a notice and give you ten business days to cash or change the terms of the certificate. After the ten days, we will automatically renew it for you! Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 12 months | 3.90% | $390 |
| 18 months | 3.90% | $591 |
| 24 months | 3.95% | $806 |
| 36 months | 4.00% | $1,249 |
| 48 months | 4.05% | $1,721 |
| 60 months | 4.10% | $2,225 |
Sources (1)
- cochisecu.com/accounts.html · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.10%APY · 7 terms
Certificate accounts pay a higher interest rate and are available in terms ranging from 6 months to 5 years. There is a $1,000 minimum balance and interest is paid monthly. When your certificate come due, we will send you a notice and give you ten business days to cash or change the terms of the certificate. After the ten days, we will automatically renew it for you! Early withdrawal penalties may apply. Traditional and Roth IRAs offered.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.85% | $191 |
| 12 months | 3.90% | $390 |
| 18 months | 3.90% | $591 |
| 24 months | 3.95% | $806 |
| 36 months | 4.00% | $1,249 |
| 48 months | 4.05% | $1,721 |
| 60 months | 4.10% | $2,225 |
Sources (1)
- cochisecu.com/accounts.html · captured Oct 15, 2026
Who can join Cochise 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 residing or working in zip codes 85643, 85644, 85625, 85605, 85606, and 85632 are eligible for membership.
Employers and groups
- Employees of Sulphur Springs Valley Electric Cooperative (SSVEC), Arizona Electric Power Cooperative (AEPCO), Sierra Southwest Cooperative Services, and Valley Telecom Group are eligible for membership.
Family and household
- Immediate family members of employees of Sulphur Springs Valley Electric Cooperative (SSVEC), Arizona Electric Power Cooperative (AEPCO), Sierra Southwest Cooperative Services, and Valley Telecom Group are eligible for membership.
- Immediate family members of individuals residing or working in zip codes 85643, 85644, 85625, 85605, 85606, and 85632 are eligible for membership.
Cost to join
- Open a Share Account with a deposit of $25 and maintain a balance of at least $25 at all times.
Membership information collected October 4, 2026.