Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Phoenix, AZ
- 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
Rate checked
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
Rate checked
More details - 4.50%APY$920 over 24 months 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.
4.41% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
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.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).
Offer: Loyalty Program Platinum Tier (Base + 0.50% IR)
Effective Oct 9, 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 - 4.35%APY$660 over 18 months on $10,000
Requirements
Product: Certificates of Deposit are subject to early withdrawal penalties. Fees could reduce earnings on the account.
4.28% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.30%APY$321 over 9 months on $10,000intro rate
Requirements
Product: Available only with new money (funds not currently on deposit with the credit union). Promotional rate cannot be applied to existing certificates. Combined promotional certificate balance under a single membership cannot exceed $250,000. Offer good for initial term only; upon maturity rolls into a 6-month certificate unless notified within 7-day grace period. Penalties may be imposed for early withdrawal. Accounts and rates are subject to membership eligibility and qualifications. Promotion subject to change or end without notice.
Offer: Available only with new money. Promotional rate cannot be applied to existing certificates. Total combined balance under single membership cannot exceed $250,000. Good for initial term only; rolls into 6-month certificate upon maturity.
Promotional rate · 4.23% interest rate · Balance cap $250,000 · Effective Oct 1, 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
Rate checked
More details - Bell BankFixed Rate Certificate of DepositCD · 17 months · $500 min · 4.30%–4.35% by balance
Bank · 1 branch
4.30%APY$615 over 17 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: Interest compounded and credited semiannually and at maturity. Early withdrawal penalty may apply.
4.25% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 4.30% Over $99,999 4.35% Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Daily balance method used to calculate interest on the account. Interest paid quarterly. No early withdrawal penalty.
Offer: No penalty
4.18% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.25%APY$281 over 8 months on $10,000intro rate
Requirements
Product: Limited-time promotional CD offer. Minimum investment $1,000. IRAs and commercial accounts are not eligible. Interest will not be compounded and will be posted at maturity. Automatically renews at maturity into a 6-month CD at then current rate. No set-up or maintenance fee. Early withdrawal penalty applies.
Offer: Limited-time offer. Automatically renews at maturity into a 6-month CD at the then current rate. IRAs and commercial accounts are not eligible. Early withdrawal penalty applies. Interest will not be compounded; posted at maturity.
Promotional rate · Effective Sep 22, 2026
Rate checked
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
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 16 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 - First International Bank & TrustFixed-Term CD (Certificate of Deposit) AccountCD · 13 months · $2,500 min
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000Requirements
Product: Minimum opening deposit to earn the stated APY for any special CD account is $2,500.00. Fees could reduce earnings on this account. A penalty may be imposed for early withdrawal of funds. These offers are for consumer and non-consumer accounts and not for public funds.
Offer: Minimum opening deposit to earn stated APY is $2,500.00. Early withdrawal penalty may apply.
Effective Oct 12, 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 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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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