Bank · FDIC insured
Southwest Heritage Bank CD Rates
Southwest Heritage Bank’s best CD rate is 3.41% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Southwest Heritage Bank’s CD rates compare
Compared with banks and credit unions near Tucson, AZ, where Southwest Heritage Bank has the most branches. $10,000, best rate first.
This bank’s best
Southwest Heritage Bank
3.41%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $169
Certificates of Deposit
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
Southwest Heritage Bank CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo3.41%
- 9–15 months9–15 mo3.16%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.41%
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 Southwest Heritage 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 3.41%APY · 8 terms
No setup or maintenance fees. Early closure/withdrawals subject to penalty. Rates are fixed for term and until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 3.00% | $74 |
| 6 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 3.41% | $169 |
| 12 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 3.16% | $316 |
| 18 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 3.00% | $453 |
| 24 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 2.50% | $506 |
| 36 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 2.50% | $769 |
| 48 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 2.50% | $1,038 |
| 60 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 2.50% | $1,314 |
Sources (1)
- swhbank.com/services-tools/tools/rates.html · captured Sep 16, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.41%APY · 8 terms
No setup or maintenance fees. Early closure/withdrawals subject to penalty. Rates are fixed for term and until maturity. Please consult a tax professional for tax advice concerning your IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 3.00% | $74 |
| 6 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 3.41% | $169 |
| 12 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 3.16% | $316 |
| 18 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 3.00% | $453 |
| 24 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 2.50% | $506 |
| 36 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 2.50% | $769 |
| 48 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 2.50% | $1,038 |
| 60 monthsMust maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield | 2.50% | $1,314 |
Sources (1)
- swhbank.com/services-tools/tools/rates.html · captured Sep 16, 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.