Credit union · NCUA insured
Pima Federal Credit Union CD Rates
Pima Federal Credit Union’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Pima Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tucson, AZ, where Pima Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pima Federal Credit Union
4.25%APY
- Term
- 18 months
- Minimum
- $250
- Earns on $10,000
- $644
Term Share Certificate (CD)
Top rate
Academy Bank
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
ICCU
4.30%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,343
Pima Federal Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
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 Pima 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 Share Certificate (CD)
Up to 4.25%APY · 8 terms
Minimum deposit $250 with no maximum. Plus, enjoy a 0.25% APY increase on your new CD with a qualifying CareFREE Checking account (CareFREE Plus Checking with e-statements and at least $1,000 in monthly direct deposits).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 6 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 12 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 3.75% | $375 |
| 18 months | 4.00% | $606 |
| 18 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.25% | $644 |
| 24 months | 4.00% | $816 |
| 24 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.25% | $868 |
| 30 months | 3.75% | $964 |
| 30 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.00% | $1,030 |
| 36 months | 3.75% | $1,168 |
| 36 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.00% | $1,249 |
| 48 months | 3.75% | $1,587 |
| 48 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.00% | $1,699 |
| 60 months | 3.75% | $2,021 |
| 60 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.00% | $2,167 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA Term Share Certificate
Up to 4.25%APY · 8 terms
Requires a minimum opening deposit of $250.00. Earnings grow tax-deferred or tax-free depending on Traditional/Roth IRA rules. Plus, enjoy a 0.25% APY increase with a qualifying CareFREE Plus Checking account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 6 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 12 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 3.75% | $375 |
| 18 months | 4.00% | $606 |
| 18 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.25% | $644 |
| 24 months | 4.00% | $816 |
| 24 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.25% | $868 |
| 30 months | 3.75% | $964 |
| 30 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.00% | $1,030 |
| 36 months | 3.75% | $1,168 |
| 36 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.00% | $1,249 |
| 48 months | 3.75% | $1,587 |
| 48 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.00% | $1,699 |
| 60 months | 3.75% | $2,021 |
| 60 monthsRequires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits | 4.00% | $2,167 |
Sources (3)
All captured Oct 3, 2026
Who can join Pima 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
- Eligible to join if you live, work, worship, or attend school in an eligible ZIP code within Apache, Maricopa, Navajo, Pima, Pinal, or Yuma County.
Employers and groups
- Eligible to join if working as an employee for one of Pima Federal's Select Employer Groups.
Family and household
- Eligible to join if related to anyone who is an existing member.
Other ways
- Eligible to join by joining Friends of the Pima County Public Library with a $20 membership fee when opening an account.
- Eligible to join if you are an employee, volunteer, or registered member of any non-profit organization in Pima County.
Cost to join
- Membership requires an opening deposit of $5.
Membership information collected October 4, 2026.