Compare Bank & Credit Union Rates
Best CD rates in Phoenix, AZ
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Phoenix, AZ
- 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - Arizona Central Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · 1 branch
4.25%APY$644 over 18 months on $10,000Requirements
Product: Membership with credit union required by opening a Share Savings account with a minimum balance of $5. Dividends compounded and paid monthly. Early withdrawal penalties may apply.
Offer: Promotional Certificate. No new money required. Renews into a standard 12-month certificate at maturity. Early withdrawal penalty equal to 90-days of dividends.
4.17% interest rate · Effective Sep 15, 2026
Rate checked
More details - Pima Federal Credit UnionTerm Share Certificate (CD)CD · 18 months · $250 min
Credit union · 1 branch
4.25%APY$644 over 18 months on $10,000Requirements
Product: 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).
Offer: Requires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits
Effective Oct 1, 2026
Rate checked
More details - Notre Dame Federal Credit UnionStandard CertificateCD · 24–35 months · $0 min
Credit union · 1 branch
4.25%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
Rate checked
More details - Mayo Employees Federal Credit Union25 Month CertificateCD · 25 months · $1,000 min
Credit union · 1 branch
4.25%APY$906 over 25 months on $10,000intro rateRequirements
Product: Join us in celebrating 25 years at our Cascade Lake Office! Offer good though 10/31/26. $1,000 minimum deposit. A penalty may be imposed for early withdrawal.
Offer: Offer good though 10/31/26. Cascade Lake Office 25 years celebration offer. A penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.24%APY$866 over 24 months on $10,000
Requirements
Product: Requires $500 to open. Includes a one-time rate bump option during certificate term if prevailing rate increases. Rate increase must be initiated by member; applies only to remainder of term and is not retroactive. Funds cannot be added after initial deposit. Early withdrawal penalty applies. Automatically renews as bump certificate for same term if auto-renew selected.
Offer: Includes one-time rate bump option during certificate term.
4.16% interest rate · Effective Jul 9, 2026
Rate checked
More details - 4.20%APY$384 over 11 months on $10,000
Requirements
Product: Personal and business accounts only. No municipalities or institutional funds. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
Offer: Minimum $1,000 deposit required to open the account and obtain the advertised APY. Personal and business accounts only. No municipalities or institutional funds. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
Effective Oct 12, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Compounding dividends computed daily and paid quarterly. Automatically renews at maturity. Penalties may be imposed for early withdrawal. Accounts and rates are subject to membership eligibility and qualifications. Additional deposits not allowed once opened.
4.09% interest rate · Effective Oct 1, 2026
Rate checked
More details - Vantage West Credit Union15-Month Online-Exclusive CDCD · 15 months · $500 min
Credit union · 1 branch
4.15%APY$521 over 15 months on $10,000intro rateRequirements
Product: Must be opened between September 1, 2026, and November 30, 2026, and funded with new money (external funds from accounts other than Vantage West Credit Union or affiliate institutions). Not eligible for relationship dividend rates. Minimum opening deposit $500; maximum deposit $250,000 for accounts opened online. Additional deposits not permitted after opening. If automatic renewal is elected, renews into a standard 12-month Certificate.
Offer: Promotional rate valid for accounts opened between September 1, 2026, and November 30, 2026, funded with external new money. Maximum deposit $250,000 for online opening. No relationship dividend rate applicable. Monthly fee waived with eStatements.
Promotional rate · Balance cap $250,000 · Effective Oct 2, 2026
Rate checked
More details - SunWest Credit Union of ArizonaCertificate of DepositCD · 12 months · $500 min
Credit union · 1 branch
4.12%APY$412 over 1 year on $10,000Requirements
Product: Dividends paid monthly. Fixed rates in effect for the term of the account. A penalty may be imposed for early withdrawal. Must be a SunWest member to open.
4.04% interest rate
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 4.01% interest rate · Effective Oct 14, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 2 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 1 branch
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
Rate checked
More details - 4.06%APY$2,202 over 60 months on $10,000with conditions
Requirements
Product: Minimum opening deposit of $500. Early withdrawal penalties apply and may reduce earnings. Membership required. No monthly service fees when enrolled in eStatements.
Offer: Relationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Phoenix, AZ
574 CDs at 44 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 4.23%
- Banks, typical
- 1.70%
- Credit unions, typical
- 3.70%
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Find your bank or credit union to see all its rates and how they compare near you.
Phoenix, AZ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 5 branches
- AERO FinancialCredit union · 7 branches
- Goldwater BankBank · 1 branch