Invest in your future
with a Certificate
For a limited time, we're offering 9-Month and 11-Month High-Yield Certificates of Deposit.
Certificate of Deposit Rates
Arizona Financial offers some of the best Certificate of Deposit rates with flexible terms that make investing in your future an easy decision. For a limited time, we're offering 9- and 11-month high-yield certificates of deposit.
Earn APY*
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Earn APY*
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Earn APY*
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Earn APY*
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Earn APY*
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Earn APY*
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Earn APY*
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Earn APY*
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*APY – Annual Percentage Yield. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Withdrawal of dividends prior to maturity will reduce your earnings. Certificates that renew automatically will receive the rate in effect on the date of renewal. There is a 10-day grace period at maturity. Non-renewals do not earn dividends after maturity. You have agreed to leave the principal of this account on deposit for the full term stated on your Certificate deposit receipt. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty. Withdrawals resulting in a balance less than the required minimum must be closed. Penalty amounts may exceed earnings. Fees may reduce earnings.
*APY – Annual Percentage Yield. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Withdrawal of dividends prior to maturity will reduce your earnings. Certificates that renew automatically will receive the rate in effect on the date of renewal. There is a 10-day grace period at maturity. Non-renewals do not earn dividends after maturity. You have agreed to leave the principal of this account on deposit for the full term stated on your Certificate deposit receipt. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty. Withdrawals resulting in a balance less than the required minimum must be closed. Penalty amounts may exceed earnings. Fees may reduce earnings.
Open a Certificate of Deposit Today:
A Certificate of Deposit Keeps Your Money Safe & Secure
Choose terms ranging from 6 months to 5 years. Select the term that works best with your financial goals!
Your earnings are guaranteed as long as your funds remain for the full term you select.
With as little as $1,000, you can open an Arizona Financial Certificate of Deposit and enjoy a risk-free investment.
Your funds are federally insured up to at least $250,000 per depositor.
What is a Certificate of Deposit?
A Certificate of Deposit (CD) is a type of savings option that is guaranteed to offer a fixed rate for a fixed term. A term is the length of time you agree to let your money remain in the account, untouched. Once the 6-month to 5-year term has ended, you can withdraw your funds on the maturity date.
If you withdraw your funds before the maturity date, you may be assessed an early withdrawal penalty. Be sure to check the terms and conditions to know if this applies to you.
CDs are a great way to invest your savings, typically at a higher rate than a basic savings account, without any additional risk.
Open online, in the mobile app, or schedule an appointment.
To request to open a Certificate of Deposit, log in to online banking or the mobile app. Get started below.
Online Banking
Mobile App
Schedule an Appointment
Schedule an appointment at one of our local branches to open your account.
Certificate of Deposit Possibilities
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Build Your Emergency Fund
Enjoy higher guaranteed dividends as you save three to six months of your expenses.
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Give a Gift
Open a Certificate for a child or grandchild and teach the importance of saving.
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Save For Retirement
Diversify your savings and investments to ensure you have accessible money.
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Rainy Day Fund
Stash some extra cash and watch it grow! You'll be ready for the unexpected.
I have been a member since I was 16 years old! I've had several auto loans, credit cards, savings accounts, and CDs. Everything I have needed is here!
Kathleen S.
Arizona Financial memberCertificate Resources
Is This a Good Time to Open a CD?
With recent reports showing inflation cooling, and with dividend rates higher than ever, this can be a great economic climate for opening a certificate. Find out why CDs are a solid choice for your financial goals.
Read MoreWhat are the Benefits of a CD Ladder?
While Certificates of Deposit (CD) can offer a reliable source of income for a set period, they may present some flexibility issues. Learn how a CD ladder can help overcome that concern.
Read MoreCDs - A Different Breed of Diversification
Certificates of deposit (CDs) allow you to earn a good return on your money while keeping it accessible for use for major expenses. Learn about common diversification strategies to get the most out of your investment and reach your goals faster.
Read MoreGet Help Navigating Your Investments
Our advisors can help you choose the right path to meet your long-term goals, from retirement planning to investing and more.
Learn MoreWhat You Need to Know: Individual Retirement Accounts (IRAs)
401(k) plans aren’t the only product available for retirement planning. Explore IRA benefits.
Read MoreHow Much Will I Need To Save For Retirement?
Start planning now to ensure you are able to maintain your lifestyle and retire at your desired age.
Calculate Your GrowthFrequently Asked Questions
Can I open a Certificate, Savings Account, or Money Market Account online?
Yes. If you’re an existing Arizona Financial member, you can add a Certificate, Savings Account, or Money Market Account through online banking.
Here's how:
- Log in to your online account from a desktop or laptop (this option is not currently available in the mobile app).
- Click on “Additional Services” from the blue bar at the top of the page.
- Select “Secure Forms” from the options provided.
- Select “Open Additional Accounts.”
- Fill out the form with your request and we’ll take it from there.
- The new account will be opened within 2 business days.
Is my money insured?
Your funds are federally insured up to $250,000 per depositor by the National Credit Union Administration (NCUA). Visit the NCUA website to access the NCUA's FAQs and Share Insurance Estimator.
Is there a penalty for closing a Certificate Account early?
If you wish to withdraw the funds in your Certificate prior to the end of the term, Arizona Financial may charge a penalty amount equal to 90 days of dividends for terms of 12 months or less, 180 days of dividends for terms of 18 to 48 months, and 270 days of dividends for terms of 60 months.