Bank · FDIC insured
Goldwater Bank CD Rates
Top CarrotGoldwater Bank’s best CD rate is 4.35% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Goldwater Bank’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where Goldwater Bank has the most branches. $10,000, best rate first.
This bank’s best
Goldwater Bank
4.35%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $660
CERTIFICATES 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
Goldwater Bank CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.35%
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 Goldwater Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CERTIFICATES OF DEPOSIT
Up to 4.35%APY · 9 terms
Certificates of Deposit are subject to early withdrawal penalties. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.75% | $186 |
| 9 months | 4.15% | $310 |
| 12 months | 4.15% | $415 |
| 15 months | 4.25% | $534 |
| 18 months | 4.35% | $660 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- goldwaterbank.com/rates · captured Oct 22, 2026
GOLDWATER LIQUID CD
Up to 4.25%APY · 2 terms
Daily balance method used to calculate interest on the account. Interest paid quarterly. No early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNo penalty | 4.25% | $210 |
| 12 monthsNo penalty | 3.25% | $325 |
Sources (1)
- goldwaterbank.com/rates · captured Oct 22, 2026
Special-purpose accounts
IRA CERTIFICATES OF DEPOSIT
Up to 4.35%APY · 9 terms
Certificates of Deposit are subject to early withdrawal penalties. Daily balance method used to calculate interest. Interest paid quarterly. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.75% | $186 |
| 9 months | 4.15% | $310 |
| 12 months | 4.15% | $415 |
| 15 months | 4.25% | $534 |
| 18 months | 4.35% | $660 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- goldwaterbank.com/rates · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.