Credit union · NCUA insured
Mohave Community Federal Credit Union CD Rates
Mohave Community Federal Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Mohave Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lake Havasu City, AZ, where Mohave Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mohave Community Federal Credit Union
3.55%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $176
Term Certificate
Top rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $920
2nd-highest rate
Goldwater Bank
4.35%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $660
Mohave Community Federal Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.19%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.55%
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 Mohave Community 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.
Term Certificate
Up to 3.55%APY · 6 terms
Dividends calculated daily, paid quarterly. Minimum balance required to open this account is $500. Penalties may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY · Up to $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months(over $50,000) | — | 3.75% | —3.75% from $50k | — |
| 6 months(under $50,000) | 3.55% | — | 3.55% | $176 |
| 12 months(over $50,000) | — | 3.44% | —3.44% from $50k | — |
| 12 months(under $50,000) | 3.19% | — | 3.19% | $319 |
| 24 months(over $50,000) | — | 2.53% | —2.53% from $50k | — |
| 24 months(under $50,000) | 2.02% | — | 2.02% | $408 |
| 36 months(over $50,000) | — | 2.53% | —2.53% from $50k | — |
| 36 months(under $50,000) | 2.02% | — | 2.02% | $618 |
| 48 months(over $50,000) | — | 2.02% | —2.02% from $50k | — |
| 48 months(under $50,000) | 1.51% | — | 1.51% | $618 |
| 60 months(over $50,000) | — | 2.02% | —2.02% from $50k | — |
| 60 months(under $50,000) | 1.51% | — | 1.51% | $778 |
Sources (1)
- mohavecommunityfcu.com/membership/banking/current-rates · captured Oct 22, 2026
Special-purpose accounts
IRA Term Certificate
Up to 3.51%APY · 5 terms
Dividends calculated daily, paid quarterly. Minimum balance required to open this account is $500. Penalties may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.51% | $351 |
| 24 months | 2.02% | $408 |
| 36 months | 2.02% | $618 |
| 48 months | 1.51% | $618 |
| 60 months | 1.51% | $778 |
Sources (1)
- mohavecommunityfcu.com/membership/banking/current-rates · captured Oct 22, 2026
Who can join Mohave Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all Mohave County residents.
Family and household
- Membership is open to families of Mohave County residents.
Cost to join
- There is a $5.00 initial membership entrance fee.
Membership information collected October 4, 2026.