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 76–90 results in Arizona
- Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 2 branches
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Interest rate is fixed for the full term and earned on the entire balance. Interest compounds quarterly for terms of 12 months and longer; shorter terms pay at maturity. Early withdrawal penalty applies: 7-91 days: 60 days loss of interest; 92-182 days: 182 days loss of interest; 183 to <60 months: 1 year loss of interest; 60 months: 2 years loss of interest.
Offer: 18-Month term.
Rate checked
More details - Interfaith Federal Credit UnionCertificate AccountsCD · 6 months · $1,000 min · 3.70%–3.80% by balance
Credit union · 1 branch
3.70%APY$183 over 6 months on $10,000Requirements
Product: Dividends are paid quarterly. Liquid Certificate is available for 6-month term. Unlimited deposits and 2 penalty-free withdrawals May be subject to new money requirements.
Offer: Dividends paid quarterly.
3.63% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 – $4,999 3.70% $5,000 – $14,999Your amount 3.70% $15,000 – $29,999 3.75% $30,000 – $49,999 3.75% $50,000 – $99,999 3.80% $100,000 and up 3.80% Rate checked
More details - Hughes Federal Credit UnionCertificate Accounts (Term Share)CD · 12 months · $1,000 min · 3.67%–3.77% by balance
Credit union · 7 branches
3.67%APY$367 over 1 year on $10,000Requirements
Product: Minimum Balance required to open an account and earn the posted APY. Compounded daily and credited monthly. Substantial penalty for early (premature) withdrawal. Fixed dividend rate and APY during the term.
3.60% interest rate · Compounded daily · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate Accounts (Term Share) Balance APY $1,000 – $50,000Your amount 3.67% $50,000 – $99,000 3.72% $99,000 and up 3.77% Rate checked
More details - 3.62%APY$240 over 8 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 - 3.60%APY$208 over 7 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 · 3.53% interest rate · Effective Oct 14, 2026
Rate checked
More details - TruGrocer Federal Credit UnionMoney Market Share CertificateCD · 6 months · $10,000 min
Credit union · 1 branch
3.56%APY$176 over 6 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $10,000 with terms up to 60 months.
3.50% interest rate · Compounded monthly
Rate checked
More details - Southeastern Arizona Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · 2 branches
3.55%APY$88 over 3 months on $10,000Rate checked
More details - Mohave Community Federal Credit UnionTerm CertificateCD · 6 months · $500 min · 3.55%–3.75% by balance
Credit union · 1 branch
3.55%APY$176 over 6 months on $10,000Requirements
Product: Dividends calculated daily, paid quarterly. Minimum balance required to open this account is $500. Penalties may be imposed for early withdrawal. Fees may reduce earnings.
Offer: (under $50,000)
3.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Certificate Balance APY Up to $50,000Your amount 3.55% $50,000 and up(over $50,000) 3.75% Rate checked
More details - 3.53%APY$906 over 30 months on $10,000
Requirements
Product: Not for IRAs. $5,000 minimum deposit to open; minimum balance of $2,500 must be maintained. Once during the term, you can increase the APY to the current APY offered on a similar term flexible CD. One penalty-free withdrawal of up to one-half of the current balance is allowed (not within 6 days of opening). Penalty may be imposed if remaining balance is withdrawn early. FDIC insured with no account fees.
Offer: Interest payment frequency semiannually. $5,000 minimum deposit to open. One penalty-free withdrawal up to 50% allowed. One rate increase option during term.
3.50% interest rate
Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 24 branches
3.50%APY$203 over 7 months on $10,000intro rateRequirements
Product: Promotional CD. Automatically renews into a 6-month CD at maturity.
Offer: Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply.
Promotional rate · 3.21% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 7 Month Fixed Rate CD Balance APY $500 – $10,000 3.25% $10,000 – $50,000Your amount 3.50% $50,000 – $100,000Promotional CD offer; visit branch to open. 4.00% $100,000 and up 4.20% Rate checked
More details - 3.50%APY$560 over 19 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 · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - Southwest Airlines Federal Credit UnionTerm Share Certificates (Regular)CD · 48 months · $1,000 min
Credit union · 1 branch
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Penalties may apply for early withdrawal. Minimum of $1,000 to open. Dividends compounded/paid quarterly.
3.45% interest rate · Effective Aug 24, 2026
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: A minimum of $500 is required to establish a share certificate. Penalty for early withdrawal. Dividends are compounded and paid quarterly.
Offer: Penalty for early withdrawal. Dividends are compounded and paid quarterly.
3.46% interest rate · Effective Aug 1, 2026
Rate checked
More details - TruGrocer Federal Credit UnionSmall Saver Share CertificateCD · 6 months · $500 min
Credit union · 1 branch
3.45%APY$171 over 6 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $500 with terms up to 60 months.
3.40% interest rate · Compounded monthly
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