Credit union · NCUA insured
Copper State Credit Union CD Rates
Copper State Credit Union’s best CD rate is 3.85% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Copper State Credit Union’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where Copper State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Copper State Credit Union
3.85%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,079
Certificate of Deposit
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
Copper State Credit Union CD score
82
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.85%
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 Copper State 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.
Certificate of Deposit
Up to 3.85%APY · 6 terms
Membership is required. Low minimum deposit of $500. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty may be imposed for early withdrawal equal to 60 days' dividends. Minimum balance $500. Opening deposit minimum $500 | 3.51% | $174 |
| 12 monthsA penalty may be imposed for early withdrawal equal to 90 days' dividends. Minimum balance $500. Opening deposit minimum $500 | 3.51% | $351 |
| 24 monthsA penalty may be imposed for early withdrawal equal to 180 days' dividends. Minimum balance $500. Opening deposit minimum $500 | 3.60% | $733 |
| 36 monthsA penalty may be imposed for early withdrawal equal to 365 days' dividends. Minimum balance $500. Opening deposit minimum $500 | 3.65% | $1,135 |
| 48 monthsA penalty may be imposed for early withdrawal equal to 365 days' dividends. Minimum balance $500. Opening deposit minimum $500 | 3.75% | $1,587 |
| 60 monthsA penalty may be imposed for early withdrawal equal to 365 days' dividends. Minimum balance $500. Opening deposit minimum $500 | 3.85% | $2,079 |
Sources (1)
- copperstatecu.org/certificate-of-deposit · captured Oct 22, 2026
Who can join Copper State 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 in Arizona are eligible for membership.
Other ways
- Individuals may join by meeting other membership requirements.
Cost to join
- A minimum share deposit of $5.00 is required to open a Savings Account.
Membership information collected October 4, 2026.