Credit union · NCUA insured
Coconino Federal Credit Union CD Rates
Coconino Federal Credit Union’s best CD rate is 3.25% APY on a 2-year share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 22, 2026.
How Coconino Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Flagstaff, AZ, where Coconino Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Coconino Federal Credit Union
3.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $661
Share Certificates (CD's)
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Coconino Federal Credit Union CD score
67
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.25%
- QualifiedQualified3.25%
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 Coconino Federal 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.
Share Certificates (CD's)
Up to 3.25%APY · 4 terms
Early withdrawal penalties and early closure penalties may apply. All dividends are paid monthly. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends Compounded Monthly, Dividends Credited Monthly. Dividend Period: Term of Account. Early withdrawal penalties and early closure penalties may apply | 2.75% | $68 |
| 6 monthsDividends Compounded Monthly, Dividends Credited Monthly. Dividend Period: Term of Account. Early withdrawal penalties and early closure penalties may apply | 3.00% | $149 |
| 12 monthsDividends Compounded Monthly, Dividends Credited Monthly. Dividend Period: Term of Account. Early withdrawal penalties and early closure penalties may apply | 3.00% | $300 |
| 24 monthsDividends Compounded Monthly, Dividends Credited Monthly. Dividend Period: Term of Account. Early withdrawal penalties and early closure penalties may apply | 3.25% | $661 |
Sources (2)
All captured Oct 22, 2026
Small Savers CD
2.50%APY · 1 term
Early withdrawal penalties and early closure penalties may apply. All dividends are paid monthly. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends Compounded Monthly, Dividends Credited Monthly. Dividend Period: Term of Account. Early withdrawal penalties and early closure penalties may apply | 2.50% | $250 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Share Certificates (CD's)
Up to 3.25%APY · 3 terms
The credit union offers Traditional & Roth IRAs and Coverdell Education Savings accounts, all with NO annual fees. One time rate bump option. Early withdrawal penalties and early closure fees may apply. Early withdrawal fees apply to members under the age of 59 1/2.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNo annual fees. Includes onetime rate bump option. Dividends Credited Monthly, Dividend Period: Term of Account. Early withdrawal penalties and early closure fees may apply. Early withdrawal fees apply to members under age 59 1/2 | 3.00% | $300 |
| 24 monthsNo annual fees. Includes onetime rate bump option. Dividends Credited Monthly, Dividend Period: Term of Account. Early withdrawal penalties and early closure fees may apply. Early withdrawal fees apply to members under age 59 1/2 | 3.25% | $661 |
| 36 monthsNo annual fees. Includes onetime rate bump option. Dividends Credited Monthly, Dividend Period: Term of Account. Early withdrawal penalties and early closure fees may apply. Early withdrawal fees apply to members under age 59 1/2 | 3.25% | $1,007 |
Who can join Coconino Federal Credit Union
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