Credit union · NCUA insured
Tucson Federal Credit Union CD Rates
Tucson Federal Credit Union’s best CD rate is 4.05% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Tucson Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tucson, AZ, where Tucson Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tucson Federal Credit Union
4.05%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,196
Share Certificate
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
Tucson Federal Credit Union CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.05%
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 Tucson 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.
Share Certificate
Up to 4.05%APY · 6 terms
Minimum balance of $500.00 required. Automatically renewable at maturity with a 10 calendar day grace period. Dividends compounded daily and credited monthly or paid to another account. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDisclosed dividend rate 3.68%. 180 Day term | 3.75% | $186 |
| 12 monthsDisclosed dividend rate 3.83%. 1 Year term | 3.90% | $390 |
| 24 monthsDisclosed dividend rate 3.87%. 2 Year term | 3.95% | $806 |
| 36 monthsDisclosed dividend rate 3.92%. 3 Year term | 4.00% | $1,249 |
| 48 monthsDisclosed dividend rate 3.92%. 4 Year term | 4.00% | $1,699 |
| 60 monthsDisclosed dividend rate 3.97%. 5 Year term | 4.05% | $2,196 |
Sources (1)
- tucsonfcu.com/wp-content/uploa…ber-2026-Share-Rates.pdf · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.05%APY · 6 terms
Applies to Traditional IRA Certificates and Roth IRA Certificates. Minimum balance of $500.00 required. Automatically renewable at maturity with a 10 calendar day grace period. Dividends compounded daily and credited monthly or paid to another account. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDisclosed dividend rate 3.68%. 180 Day term. Applies to Traditional and Roth IRA Certificates | 3.75% | $186 |
| 12 monthsDisclosed dividend rate 3.83%. 1 Year term. Applies to Traditional and Roth IRA Certificates | 3.90% | $390 |
| 24 monthsDisclosed dividend rate 3.87%. 2 Year term. Applies to Traditional and Roth IRA Certificates | 3.95% | $806 |
| 36 monthsDisclosed dividend rate 3.92%. 3 Year term. Applies to Traditional and Roth IRA Certificates | 4.00% | $1,249 |
| 48 monthsDisclosed dividend rate 3.92%. 4 Year term. Applies to Traditional and Roth IRA Certificates | 4.00% | $1,699 |
| 60 monthsDisclosed dividend rate 3.97%. 5 Year term. Applies to Traditional and Roth IRA Certificates | 4.05% | $2,196 |
Sources (1)
- tucsonfcu.com/wp-content/uploa…ber-2026-Share-Rates.pdf · captured Oct 15, 2026
Who can join Tucson 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
- Open to individuals who live, work, volunteer, worship, or attend school in Pima County.
Family and household
- Open to immediate family or household members of individuals eligible through the Pima County geographic qualification.
Membership information collected October 4, 2026.