Credit union · NCUA insured
Desert Financial CD Rates
Desert Financial’s best CD rate is 4.05% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Desert Financial’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where Desert Financial has the most branches. $10,000, best rate first.
This credit union’s best
Desert Financial
4.00%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,167
Savings Certificate
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
Desert Financial CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo4.00%
- 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 Desert 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.
Jumbo Savings Certificate
Up to 4.05%APY · 7 terms
No monthly or annual service fees. $100,000 minimum balance. Early withdrawal penalties may apply. Dividends credited and compounded monthly on the last day of the month. Automatically renews for the same term at current rate with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$100,000 minimum balance to earn APY. Interest rates and APYs are fixed for the term of the certificate. Dividends credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply | 3.70% | — |
| 12 months$100,000 minimum balance to earn APY. Interest rates and APYs are fixed for the term of the certificate. Dividends credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply | 3.80% | — |
| 18 months$100,000 minimum balance to earn APY. Interest rates and APYs are fixed for the term of the certificate. Dividends credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply | 3.85% | — |
| 24 months$100,000 minimum balance to earn APY. Interest rates and APYs are fixed for the term of the certificate. Dividends credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply | 3.90% | — |
| 36 months$100,000 minimum balance to earn APY. Interest rates and APYs are fixed for the term of the certificate. Dividends credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply | 3.95% | — |
| 48 months$100,000 minimum balance to earn APY. Interest rates and APYs are fixed for the term of the certificate. Dividends credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply | 4.00% | — |
| 60 months$100,000 minimum balance to earn APY. Interest rates and APYs are fixed for the term of the certificate. Dividends credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply | 4.05% | — |
Sources (2)
All captured Oct 22, 2026
Savings Certificate
Up to 4.00%APY · 7 terms
Early withdrawal penalties apply. Must maintain an open Membership Savings account with a minimum balance requirement of $25. Dividends credited and compounded monthly on the last day of the month. Automatically renews for the same term at current rate with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply. Automatically renews for the existing 6-month term at current rate unless notified within 10-day grace period | 3.65% | $181 |
| 6 monthsLimited-time offer for new and existing members; cannot be applied to existing certificates. 3.93% dividend rate stated on promotional page. Primary account holder must have an open Membership Savings account with a minimum balance requirement of $25. Minimum opening deposit and balance of $1,000 required to earn advertised APY. Automatically renews for 6 months at current rates unless notified within 10-day grace period | 3.65% | $181 |
| 12 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.75% | $375 |
| 18 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.80% | $575 |
| 24 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.85% | $785 |
| 36 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.90% | $1,216 |
| 48 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.95% | $1,676 |
| 60 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 4.00% | $2,167 |
Sources (3)
- desertfinancial.com/en/bank/certificates
- desertfinancial.com/en/rates
- desertfinancial.com/en/bank/ce…ates/savings-certificate
All captured Oct 22, 2026
Special-purpose accounts
IRA Savings Certificate
Up to 4.00%APY · 7 terms
Available for traditional and Roth IRAs. Early withdrawal penalties apply. All IRS penalties and requirements apply. Must maintain an open Membership Savings account with a minimum balance requirement of $25. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply. Automatically renews for the existing 6-month term at current rate unless notified within 10-day grace period | 3.65% | $181 |
| 6 monthsLimited-time offer for new and existing members; applies to IRA Savings Certificates; cannot be applied to existing certificates. 3.93% dividend rate stated on promotional page. Primary account holder must have an open Membership Savings account with a minimum balance requirement of $25. Minimum opening deposit and balance of $1,000 required to earn advertised APY. Automatically renews for 6 months at current rates unless notified within 10-day grace period. IRA maximum contributions apply (except rollovers/transfers) | 3.65% | $181 |
| 12 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.75% | $375 |
| 18 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.80% | $575 |
| 24 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.85% | $785 |
| 36 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.90% | $1,216 |
| 48 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 3.95% | $1,676 |
| 60 months$1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply | 4.00% | $2,167 |
Sources (3)
- desertfinancial.com/en/bank/iras
- desertfinancial.com/en/rates
- desertfinancial.com/en/bank/ce…ates/savings-certificate
All captured Oct 22, 2026
College Savings Certificate
3.80%APY · 1 term
No monthly or annual service fees. Minimum $25 monthly transfer deposit required, waived with opening deposit of $5,000 or more, or when account reaches a $5,000 balance. One-year term. After the minor turns 18 or earns a high school diploma, funds can be withdrawn penalty-free. Dividends credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$1,000 minimum balance to earn APY. Interest rate and APY is fixed for the term of the certificate. Dividends credited and compounded monthly on the last day of the month. Minimum $25 monthly transfer deposit required unless waived with opening deposit of $5,000 or more or when account reaches a $5,000 balance. Early withdrawal penalties may apply; penalty in excess of 7 days dividends waived upon proof of high school graduation, GED, or age 18 | 3.80% | $380 |
Sources (3)
- desertfinancial.com/globalasse…Terms-and-Conditions.pdf
- desertfinancial.com/en/bank/certificates
- desertfinancial.com/en/rates
All captured Oct 22, 2026
Who can join Desert Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business owners who own a business in the state of Arizona are eligible for membership.
- Individuals who live, work, attend school, volunteer, or worship in the member coverage area are eligible for membership.
Employers and groups
- Employees of Desert Financial are eligible for membership.
Family and household
- Immediate family members of current Desert Financial members are eligible for membership.
Membership information collected October 4, 2026.