Best CD Rates in Phoenix
Locally available certificate rates verified directly from official institution websites.
Compare more than the APY
The highest number is useful, but eligibility, deposit minimums, and the maturity process matter too.
Confirm eligibility
Check membership, geographic, and new-money requirements before applying.
Check the minimum
A strong rate may require a larger opening balance than another offer.
Know the renewal window
Record the maturity date and grace period so the CD does not renew by surprise.
Current Rates in Phoenix
Last verified: October 27, 2026
| Institution | Account | Term | APY | Minimum | Source |
|---|---|---|---|---|---|
| Vantage West Credit Union Live, work, worship, volunteer or attend school in Maricopa or other listed areas; $5 share. | 15-Month Online-Exclusive Certificate CD | 15 months | 4.15% | $500 | Official rate |
| Desert Financial Credit Union Live, work, worship, volunteer or attend school in Arizona; $25 membership savings balance. | 5-Year Jumbo Savings Certificate CD | 60 months | 4.05% | $100,000 | Official rate |
| Arizona Financial Credit Union Live, work, worship, school or regular business in Maricopa or other listed counties; alternate Local First Arizona donation route. | 11-Month High-Yield Certificate CD | 11 months | 3.75% | $1,000 | Official rate |
| Arizona Financial Credit Union Live, work, worship, school or regular business in Maricopa or other listed counties; alternate Local First Arizona donation route. | 6-Month Certificate CD | 6 months | 3.75% | $1,000 | Official rate |
| Arizona Financial Credit Union Live, work, worship, school or regular business in Maricopa or other listed counties; alternate Local First Arizona donation route. | 9-Month High-Yield Certificate CD | 9 months | 3.55% | $1,000 | Official rate |
| Arizona Financial Credit Union Live, work, worship, school or regular business in Maricopa or other listed counties; alternate Local First Arizona donation route. | 12-Month Certificate CD | 12 months | 3.50% | $1,000 | Official rate |
| Arizona Financial Credit Union Live, work, worship, school or regular business in Maricopa or other listed counties; alternate Local First Arizona donation route. | 18-Month Certificate CD | 18 months | 3.25% | $1,000 | Official rate |
| Arizona Financial Credit Union Live, work, worship, school or regular business in Maricopa or other listed counties; alternate Local First Arizona donation route. | 24-Month Certificate CD | 24 months | 3.00% | $1,000 | Official rate |
| OneAZ Credit Union Arizona live/work/school/volunteer/worship route; $5 share. | 24-Month Share Certificate CD | 24 months | 2.85% | $2,000 | Official rate |
| Arizona Financial Credit Union Live, work, worship, school or regular business in Maricopa or other listed counties; alternate Local First Arizona donation route. | 36-Month Certificate CD | 36 months | 2.50% | $1,000 | Official rate |
| Arizona Financial Credit Union Live, work, worship, school or regular business in Maricopa or other listed counties; alternate Local First Arizona donation route. | 48-Month Certificate CD | 48 months | 2.50% | $1,000 | Official rate |
| Arizona Financial Credit Union Live, work, worship, school or regular business in Maricopa or other listed counties; alternate Local First Arizona donation route. | 60-Month Certificate CD | 60 months | 2.50% | $1,000 | Official rate |
Rates may change without notice. Confirm all terms and eligibility directly with the financial institution.
Verified from official sources
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Rates may change without notice. Confirm all terms, eligibility, early-withdrawal penalties, and renewal policies directly with the institution before opening an account.