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 1–15 results in Arizona
- 4.50%APY$450 over 1 year 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: 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
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Interest will compound quarterly and will be credited to the account quarterly. The daily balance method is used to calculate interest. Automatically renewable with a 10 calendar day grace period after expiration to add or change the term with no penalty. Substantial penalty may be imposed for early withdrawals. 6 month, 1, 2, 3, 4, 5 and 7 year CDs can be opened online. Available as collateral for a loan.
4.28% interest rate · Effective Oct 5, 2026
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More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
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More details - 4.25%APY$425 over 1 year on $10,000intro rate
Requirements
Product: All rates subject to change without notice. Fee for early withdrawal: $10.00, in addition up to 30 days of interest may be forfeited.
Offer: New Certificates
Promotional rate · 4.25% interest rate · Effective Sep 24, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Dividends calculated and credited monthly using Daily Balance Method. Early withdrawal penalty may apply. Fees could reduce earnings.
Effective Sep 23, 2026
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More details - 4.25%APY$425 over 1 year 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: Effective as of 2026-09-23. Subject to change.
Promotional rate · 4.16% interest rate · Effective Sep 23, 2026
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More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/15/2026 and subject to change.
Offer: 12-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.
Effective Oct 15, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Certificates of Deposit are subject to early withdrawal penalties. Fees could reduce earnings on the account.
4.09% interest rate · Effective Oct 22, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: $500 minimum opening deposit. 1-time additional deposit in first 60 days. Penalty for early withdrawal. No institutional deposits. Compounding and crediting: terms less than 12 months compounded/credited at maturity; terms 12 months or greater compounded/credited quarterly.
4.09% interest rate
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More details - Notre Dame Federal Credit UnionStandard CertificateCD · 12–23 months · $0 min
Credit union · 2 branches
4.15%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
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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
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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
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More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 9 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - Mountain America Credit UnionStandard CertificateCD · 12 months · $500 min
Credit union · 12 branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
3.98% interest rate · Effective Oct 1, 2026
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More details - 4.05%APY$405 over 1 year on $10,000
Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
3.98% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
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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 1-year CDs pay in Arizona
100 CDs at 65 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.15%
- Banks, typical
- 1.70%
- Credit unions, typical
- 3.75%
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Find your bank or credit union to see all its rates and how they compare near you.
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