Credit union · NCUA insured
Pyramid Federal Credit Union CD Rates
Pyramid Federal Credit Union’s best CD rate is 3.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Pyramid Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tucson, AZ, where Pyramid Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pyramid Federal Credit Union
3.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,877
Share Certificates
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
Pyramid Federal Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.15%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Pyramid 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.
GOAL Share Certificate
0.05%APY · 1 term
Opening deposit is $25 minimum. Only one GOAL certificate per member. Eligible for withdrawal without penalty every 90 days; no withdrawals within the first 90 days of opening or since last withdrawal; penalty may include forfeiture of up to 90 days' interest earned. Dividends paid quarterly.
| Term | APY · Up to $1,000 | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsBalances over $1,000 earn regular savings rate as published at the time $1,000 maximum balance is reached | — | 0.05% | 0.05% | $5 |
| 12 monthsBalances up to $1,000 earn 4.00% APR (4.07% APY). Dividends paid/compounded quarterly | 4.07% | — | —4.07% $25–$1k | — |
Sources (4)
- pyramidfcu.com/GOAL
- pyramidfcu.com/share-certificates
- pyramidfcu.com/accounts/share-rates
- pyramidfcu.com/application/fil…e__Fee_TIS_8.01.2026.pdf
All captured Oct 15, 2026
Share Certificates
Up to 3.50%APY · 6 terms
A minimum of $500 is required to establish a share certificate. Penalty for early withdrawal. Dividends are compounded and paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Dividends are compounded and paid quarterly | 3.15% | $156 |
| 12 monthsPenalty for early withdrawal. Dividends are compounded and paid quarterly | 3.15% | $315 |
| 24 monthsPenalty for early withdrawal. Dividends are compounded and paid quarterly | 3.15% | $640 |
| 36 monthsPenalty for early withdrawal. Dividends are compounded and paid quarterly | 3.40% | $1,055 |
| 48 monthsPenalty for early withdrawal. Dividends are compounded and paid quarterly | 3.45% | $1,453 |
| 60 monthsPenalty for early withdrawal. Dividends are compounded and paid quarterly | 3.50% | $1,877 |
Sources (3)
- pyramidfcu.com/share-certificates
- pyramidfcu.com/accounts/share-rates
- pyramidfcu.com/application/fil…e__Fee_TIS_8.01.2026.pdf
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.25%APY · 6 terms
$500 minimum. Early withdrawal penalty applies. Dividends are compounded and paid quarterly. IRA contributions and withdrawals are subject to IRS rules and tax laws.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies. Dividends are compounded and paid quarterly | 3.05% | $151 |
| 12 monthsEarly withdrawal penalty applies. Dividends are compounded and paid quarterly | 3.05% | $305 |
| 24 monthsEarly withdrawal penalty applies. Dividends are compounded and paid quarterly | 3.05% | $619 |
| 36 monthsEarly withdrawal penalty applies. Dividends are compounded and paid quarterly | 3.25% | $1,007 |
| 48 monthsEarly withdrawal penalty applies. Dividends are compounded and paid quarterly | 3.25% | $1,365 |
| 60 monthsEarly withdrawal penalty applies. Dividends are compounded and paid quarterly | 3.25% | $1,734 |
Sources (1)
- pyramidfcu.com/application/fil…e__Fee_TIS_8.01.2026.pdf · captured Oct 15, 2026
Who can join Pyramid 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
- Individuals who live, work, or worship in Pima County are eligible for membership.
Family and household
- Family members of eligible individuals who live, work, or worship in Pima County are eligible to join.
Cost to join
- A $5 deposit to open a savings account is required to establish membership.
Membership information collected October 4, 2026.