OneAZ Credit Union CD Rates

How OneAZ Credit Union’s CD rates compare

Compared with banks and credit unions near Phoenix, AZ, where OneAZ Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
OneAZ Credit Union
2.85%APY
Term
24 months
Minimum
$2,000
Earns on $10,000
$578
Share Certificate
Top rate
America First Credit Union
4.60%APY
Term
60 months
Minimum
$500
Earns on $10,000
$2,522
America First Credit Union rates
2nd-highest rate
AERO Financial
4.50%APY
Term
7 months
Minimum
$500
Earns on $10,000
$260
AERO Financial rates

Compare CD rates near you →

67

CD score

Higher than 18% of U.S. banks and credit unions

By term

3–8 months3–8 mo2.75%
9–15 months9–15 mo2.75%
16–30 months16–30 mo2.85%
31–60 months31–60 mo2.85%
QualifiedQualified2.85%

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.

How the score works →

Where OneAZ Credit Union ranks

By CD score, in each area where it has branches

And 2 more areas →

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Share Certificate

Up to 2.85%APY · 9 termsFrom $2,000 to open

Minimum opening deposit is $2,000. Fixed APY for the term of the account. Penalty for early withdrawal applies; withdrawal of dividends reduces earnings. Automatic renewal at maturity with a 10-day grace period.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 months	2.40%	$59
6 months	2.75%	$137
12 months	2.75%	$275
18 months	2.75%	$415
24 months	2.85%	$578
30 months	2.85%	$728
36 months	2.85%	$880
48 months	2.85%	$1,190
60 months	2.85%	$1,509

Sources (3)

All captured Oct 3, 2026

Special-purpose accounts

IRA Share Certificate

Up to 2.85%APY · 9 termsIRAFrom $2,000 to open

Minimum opening deposit is $2,000. Fixed APYs for the term of the account. Penalty for early withdrawal will apply; withdrawal of dividends will reduce earnings. Available as Traditional IRA or Roth IRA.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 months	2.40%	$59
6 months	2.75%	$137
12 months	2.75%	$275
18 months	2.75%	$415
24 months	2.85%	$578
30 months	2.85%	$728
36 months	2.85%	$880
48 months	2.85%	$1,190
60 months	2.85%	$1,509

Sources (3)

All captured Oct 3, 2026

Who can join OneAZ 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This may be incomplete or out of date, so check with the credit union before you apply.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 or work in Arizona are eligible for membership.
Persons under contract to purchase real estate property in Arizona who will reside in the home at least part time qualify for membership.

Employers and groups

Organizations comprised primarily of eligible individuals or corporations whose majority of stockholders are eligible qualify to join.

Military, government and schools

Individuals who attend school in Arizona are eligible for membership.

Family and household

Former spouses, surviving children, and immediate family of deceased members are eligible for membership.
Immediate family of a current member, including persons related by blood or marriage as well as foster and adopted children, are eligible for membership.

5 more ways to join

Other ways

Persons under contract to purchase real estate property for business purposes in counties served who are majority owners actively managing the business qualify for membership.
People and organizations sponsored by existing members are eligible for membership.
Any person sponsored or referred by an existing OneAZ Credit Union member is eligible for membership.
Individuals who volunteer in Arizona are eligible for membership.
Individuals who worship in Arizona are eligible for membership.

Cost to join

Membership requires opening a $5 Share Savings account to establish membership and ownership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details