Make Your Money Work For You!

Accelerate your financial goals with a Certificate of Deposit from Arizona Financial.

9 Months | 11 Months | Earn up to 5.30% APY*

Certificate of Deposit Rates

These are the best Certificate rates that Arizona Financial has to offer! Our convenient terms and high-yield rates make investing in your future an easy decision. Act fast – this is a limited time offer!

Term
Minimum to
Earn APY*
Dividend
Rate
APY*
Term
9 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
4.60%
APY*
4.70%
Term
9 Months
Minimum to
Earn APY*
$500,000
Dividend
Rate
4.75%
APY*
4.85%
Term
9 Months
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
4.89%
APY*
5.00%
Term
11 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
4.89%
APY*
5.00%
Term
11 Months
Minimum to
Earn APY*
$500,000
Dividend
Rate
5.03%
APY*
5.15%
Term
11 Months
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
5.18%
APY*
5.30%
Effective August 25, 2023

*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 If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty.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 If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty.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:

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A Share Certificate from Arizona Financial Keeps Your Money Safe & Secure

With competitive rates and guaranteed returns, a Share Certificate Account can get you closer to your financial goals. It's a great option for those looking to invest with none of the risks, but all of the rewards!
Flexible Terms

Choose terms ranging from 6 months to 5 years. Select the term that works best with your financial goals!

Guaranteed Growth

Your earnings are guaranteed as long as your funds remain for the full term you select.

Low Opening Deposit

With as little as $1,000, you can open an Arizona Financial Certificate Account and enjoy a risk-free investment.

Federally Insured

Your funds are federally insured up to at least $250,000 per depositor.

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. 

1
Online Banking
Log in to online banking, hover over Additional Services, click on Open Additional Accounts then choose from one of the options.
2
Mobile App
Log in to mobile the app, from the More menu, scroll to Contact Us and select Open Additional Accounts to complete your request. 
3
Schedule an Appointment

Schedule an appointment at one of our local branches to open your account. 

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What is a Certificate of Deposit?

A Certificate of Deposit is a type of savings option that is guaranteed to offer a fixed rate for a fixed term. 

Our high-yield Certificates of Deposit offer terms of 9 or 11 months. Once the term has ended, you can withdraw your funds on the maturity date or reinvest them in a new Certificate or other savings product. 

Our high-yield Certificates of Deposit are a great way to invest your savings without any additional risk. Plus, your deposits are federally insured up to $250,000 by the National Credit Union Administration.

Visit a local branch to take advantage of this no-risk rate.

Share Certificate Possibilities

young lady leaning against countertop holding a coffee mug while smiling
  1. Build Your Emergency Fund

    Enjoy higher guaranteed dividends as you save three to six months of your expenses.

  2. Give a Gift

    Open a Certificate for a child or grandchild and teach the importance of saving.

  3. Save For Retirement

    Diversify your savings and investments to ensure you have accessible money.

  4. Rainy Day Fund

    Stash some extra cash and watch it grow! You'll be ready for the unexpected.

Certificate Resources

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How 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.

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Frequently Asked Questions

How can I take advantage of these Certificate of Deposit rates?

To open a 9- or 11-month High-Yield CD, stop by one of our branch locations. For added convenience, make an appointment for the day and time that fits your schedule. 

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 CD 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. 

Do you offer CDs at any other terms besides 9 and 11 months?

Yes, we sure do! For more information about our other Certificates of Deposit, including current rates and terms, visit our Certificates page

CD Account Resources

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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.

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What are the Benefits of a CD Ladder?

While Certificates of Deposit 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.

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Blog Post

CDs - 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 More