Compare Bank & Credit Union Rates
Best CD rates in Arizona
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 31–45 results in Arizona
- 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 - 4.20%APY$858 over 24 months on $10,000intro rate
Requirements
Product: $2,500.00 minimum balance required to open an account and obtain APY. APY assumes interest remains on deposit until maturity. Early withdrawal may reduce earnings and may be subject to penalty. Rates and terms are subject to change without notice prior to account opening. Offer may be withdrawn at any time.
Promotional rate · 4.20% interest rate · Effective Oct 16, 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 · 19 branches
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 · 6 branches
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 · 9 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 - 4.10%APY$693 over 20 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. Additional deposits are not allowed after opening. Interest is calculated using the daily balance method. Requires an Alerus checking account with a $500 minimum balance to qualify. IRA funds do not qualify.
Offer: Requires an Alerus checking account with a $500 minimum balance. IRA funds do not qualify. Early withdrawal penalty may apply.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - 4.10%APY$2,225 over 60 months on $10,000
Requirements
Product: Certificate accounts pay a higher interest rate and are available in terms ranging from 6 months to 5 years. There is a $1,000 minimum balance and interest is paid monthly. When your certificate come due, we will send you a notice and give you ten business days to cash or change the terms of the certificate. After the ten days, we will automatically renew it for you! Early withdrawal penalties may apply.
Effective Oct 9, 2026
Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 2 branches
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 - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 2 branches
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
Rate checked
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
Rate checked
More details - 4.05%APY$2,196 over 60 months on $10,000
Requirements
Product: 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.
Offer: Disclosed dividend rate 3.97%. 5 Year term.
3.97% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - Farmers Insurance Federal Credit UnionLimited Time 3-Month and 6-Month Share CertificatesCD · 3 months · $1,000 min
Credit union · 1 branch
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Limited time promotion. $1,000 minimum balance. Calculated on a 3.93% base rate. IRA share certificates do not qualify. May not be combined with Direct Deposit Bonus or Jumbo Certificate rates. Substantial penalty for early withdrawal.
Offer: Promotional rate calculated on 3.93% base rate. IRA share certificates do not qualify. Automatically rolls over to 3-Month Certificate at maturity.
Promotional rate · 3.93% interest rate
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 Arizona
794 CDs at 73 banks and credit unions · checked Oct 15–22
- Typical
- 3.20%
- Top 10% from
- 4.20%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.65%
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Arizona
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 7 branches
- AERO FinancialCredit union · 7 branches
- ICCUCredit union · 2 branches