Compare Bank & Credit Union Rates
Best CD rates in Tempe, AZ
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Tempe, AZ
- America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.51% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.50%APY$260 over 7 months on $10,000intro rate
Requirements
Product: Start saving with just a $500 minimum opening deposit. Terms from 3 months to 60 months. Dividends compound and credit monthly. Withdrawal of dividends prior to maturity will reduce earnings.
Offer: 7 Month Special. Does not apply to Traditional and Roth IRA Certificates. Dividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.
Promotional rate · 4.41% interest rate · Effective Oct 15, 2026
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More details - 4.50%APY$683 over 18 months on $10,000
Requirements
Product: Dividends calculated and credited monthly using Daily Balance Method. Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: To receive promotional APY, account must be opened with New Money (funds not currently held with Landings Credit Union). Maturing Landings Certificate funds during promotional period may be eligible. Cannot be combined with 0.25% LifeStage benefit. Renews at regular rate for same term. Limited-time offer.
Effective Sep 23, 2026
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More details - 4.50%APY$683 over 18 months on $10,000intro rate
Requirements
Product: Must be a TruWest member with a minimum $5 deposit and continuing balance. Minimum certificate balance of $500.
Offer: Limited-time special offer valid as of 7/27/26; subject to change or end at any time without notice. Not available for IRA Savings Certificates. Available only with new money (funds not currently on deposit with TruWest Credit Union and transferred from an account at another financial institution at the time the certificate is opened). Automatic renewal to standard 12-month savings certificate.
Promotional rate · 4.40% interest rate · Effective Sep 23, 2026
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More details - America First Credit UnionBump-Rate Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
4.45%APY$2,432 over 60 months on $10,000Requirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
4.36% interest rate · Effective Oct 21, 2026
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More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 2 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% 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
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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
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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
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More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
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More details - 4.05%APY$234 over 7 months on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal of all term share certificates. Automatically renewable (except Special Certificates which renew to a regular 1-year certificate at current rate). 10-day grace period before and after maturity.
Offer: 7 Month Special. Renews to a regular 1-year certificate at the current rate upon maturity.
3.98% interest rate · Effective Sep 1, 2026
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More details - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
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More details - 4.00%APYwith conditions
Requirements
Product: Open a certificate with as little as $500. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
Qualified rate · 3.93% interest rate
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More details - 4.00%APY$2,167 over 60 months on $10,000intro rate
Requirements
Product: Early withdrawal penalties apply. Must maintain an open Membership Savings account with a minimum balance requirement of $25. Dividends credited and compounded monthly on the last day of the month. Automatically renews for the same term at current rate with a 10-day grace period.
Offer: $1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply.
Promotional rate · 3.93% interest rate · Compounded monthly · Effective Oct 22, 2026
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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 Tempe, AZ
281 CDs at 20 banks and credit unions · checked Oct 4–22
- Typical
- 2.50%
- Top 10% from
- 4.20%
- Banks, typical
- 0.28%
- Credit unions, typical
- 3.90%
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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