Best 6-Month CD Rates in Arizona, AZ

You are viewing rates from banks across Arizona

Below are the best six-month CD Rates from banks with branches in Arizona. Six-month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

AZ - August 4, 2025

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
Comerica Bank Mesa - Riverview Branch	4.75% 0.05%	$2,500 $1	-	Learn More
Rate History: 5.25% → 5.00% → 4.75%
Cory,Baldwin \| Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More Reviews (1)
ableBanking, a division of Northeast Bank	4.50%	$500	-	Learn More Add Review
Rate History: 5.30% → 5.20% → 4.70% → 4.30% → 4.50%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Stearns Bank National Association Arizona Branch	4.50%	$2,500	-	Learn More Add Review
Rate History: 5.06% → 5.32% → 4.50%
Bread Savings, a division of Bread Financial	4.45%	$1,500	-	Learn More Add Review
Rate History: 4.65% → 4.50% → 4.40% → 4.35% → 4.45%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Colorado Federal Savings Bank	4.45%	$5,000	-	Learn More Add Review
Early withdrawal penalty is 3 Months' Interest. Rate History: 4.70% → 4.40% → 4.45% → 4.05% → 4.45%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Finworth, a division of InsBank	4.45%	$50,000	-	Learn More Add Review
7-Month CD. Rate History: 4.75% → 4.50% → 4.30% → 4.50% → 4.45%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Rising Bank, a division of Midwest BankCentre	4.41%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.40% → 4.30% → 4.45% → 4.51% → 4.41%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
My e-Banc, a division of Bradesco BAC Florida Bank	4.40% 4.25%	$50,000 $5,000	-	Learn More Add Review
6 Month Jumbo CD. Rate History: 4.70% → 4.65% → 4.55% → 4.50% → 4.40%
Matty H \| Sep 22, 2023 Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More
Salem Five Direct	4.40% 3.75%	$10,000 $2,500	-	Learn More Add Review
Rate History: 4.50% → 4.20% → 4.00% → 4.15% → 4.40%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Limelight Bank, A division of Capital Community Bank	4.35%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Merrick Bank	4.35%	$25,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.35% → 4.00% → 4.15% → 4.40% → 4.35%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Prime Alliance Bank	4.35%	$500	-	Learn More
Rate History: 4.95% → 4.90% → 4.65% → 4.50% → 4.35%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Climate First Bank	4.34%	$500	-	Learn More
No Penalty CD. Rate History: 5.34% → 5.34% → 3.68% → 4.34%
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
Hingham Institution for Savings	4.30%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%
First Internet Bank of Indiana Tempe Loan Production Office Branch	4.28%	$1,000	-	Learn More
Warning: Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.15% → 4.15% → 4.49% → 4.28%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Canadian Imperial Bank USA	4.26%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 30 days. Rate History: 4.31% → 4.26%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Gateway First Bank	4.25%	$500	-	Learn More
Rate History: 3.35% → 4.25%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
KS StateBank Phoenix Bank Branch	4.25%	$500	-	Learn More
Rate History: 4.60% → 4.50% → 4.40% → 4.35% → 4.25%
HonestReview \| Apr 19, 2023 This bank was honest and I had no problems with them in person. Not everyone was equally competent but they got help. Read More Reviews (3)
MainStreet Bank	4.25%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.65% → 4.55% → 4.35% → 4.25%
Beal Bank USA Phoenix Bracnh Branch	4.20%	$1,000	-	Learn More
Rate History: 5.15% → 5.25% → 5.15% → 4.75% → 4.20%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Goldman Sachs Bank	4.20%	$500	-	Learn More Add Review
Rate History: 4.50% → 4.30% → 4.20% → 4.10% → 4.20%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Bask Bank, a division of Texas Capital Bank	4.20%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.70% → 4.45% → 4.40% → 4.45% → 4.20%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
M.Y. Safra Bank	4.15%	$500	-	Learn More
Rate History: 2.25% → 4.90%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Sallie Mae Bank	4.15%	$2,500	-	Learn More
Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Charles Schwab Bank, SSB	4.14%	$1,000	-	Learn More
Rate History: 4.19% → 4.24% → 4.30% → 4.35% → 4.14%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
Vio Bank, A Division of MidFirst Bank	4.10%	$500	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 4.20% → 4.10%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
IncredibleBank	4.05%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.65% → 4.30% → 3.79% → 4.05%
nonsense \| May 21, 2021 avoid this Read More
Bank5 Connect	4.00%	$500	-	Learn More Add Review
6 Month CD. Rate History: 4.95% → 4.85% → 4.50% → 4.35% → 4.00%
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
LendingClub	4.00%	$2,500	-	Learn More
Rate History: 5.30% → 5.00% → 4.80% → 4.00%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Banesco USA	4.00%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 5.00% → 4.50% → 4.25% → 4.00%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Northern Bank Direct	4.00%	$500	-	Learn More Add Review
Rate History: 5.00% → 4.75% → 4.00%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
TIAA Bank / Everbank	3.90%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 4.00% → 3.90%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.90%	$0	-	Learn More Add Review
Rate History: 4.60% → 4.30% → 4.20% → 4.05% → 3.90%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
National Cooperative Bank	3.87%	$2,500	-	Learn More
Early Withdrawal Penalty is 3 months interest. Rate History: 4.62% → 4.30% → 4.29% → 4.08% → 3.87%
JC \| Jun 1, 2021 Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More Reviews (2)
Johnson Bank Gainey Branch 89000	3.83%	$2,000	-	Learn More Add Review
Rate History: 4.64% → 4.29% → 4.18% → 4.08% → 3.83%
Republic Bank of Arizona Republic Bank Of Arizona Branch	3.83%	$1,000	-	Learn More Add Review
Rate History: 3.83% → 3.83%
Capital One 360	3.80%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.80%	$0	-	Learn More
Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Barclays Bank Delaware	3.80%	$0	-	Learn More
Rate History: 5.10% → 5.00% → 4.65% → 4.00% → 3.80%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
My Savings Direct, a division of Emigrant Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 2.50% → 4.00% → 3.75%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More
Dollar Savings Direct, a division of Emigrant Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.75%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
Bank of America, National Association 99th Avenue & Mcdowell Branch	3.75%	$10,000	-	Learn More
Rate History: 4.00% → 3.75%
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Discover Bank	3.70%	$2,500	-	Learn More Add Review
Rate History: 4.35% → 4.25% → 3.90% → 3.70%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Synchrony Bank	3.70%	$0	-	Learn More Add Review
Rate History: 4.80% → 4.40% → 4.20% → 3.90% → 3.70%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
FirstBank Firstbank Branch	3.60%	$10,000	-	Learn More
Rate History: 3.85% → 4.15% → 4.00% → 3.70% → 3.60%
Carrandrewb \| Aug 5, 2022 The worst customer service during covid. I lost my wallet they were nit understanding when things were shutting down. I knew covid was going to be bad and did not want to be around people. They did nit eve... Read More Reviews (1)
WebBank	3.50%	$2,500	-	Learn More
Rate History: 0.10% → 3.50%
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.35%	$10,000	-	Learn More Add Review
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Bell Bank	3.30% 3.25%	$99,999 $500	-	Learn More Add Review
Rate History: 4.09% → 4.05% → 3.55% → 3.30%
Zions Bank Sonoita Branch	3.05%	$1,000	-	Learn More Add Review
Rate History: 4.86% → 3.05%
CIT Bank, a division of First-Citizens Bank and Trust	3.00%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citibank, National Association	3.00%	$0	-	Learn More
Rate History: 4.65% → 3.75% → 3.50% → 3.25% → 3.00%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Clear Sky Accounts	3.00%	$1,000	-	Learn More Add Review
Rate History: 0.65% → 3.25% → 3.00% → 3.20% → 3.00%
ruler009 \| May 26, 2017 Before009 Read More
Bank of Whittier, National Association	2.79%	$1,000	-	Learn More Add Review
TD Bank, National Association	2.75% 0.05%	$10,001 $10,000	-	Learn More
Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
USAA Federal Savings Bank	2.50%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.55% → 3.45% → 2.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
BOKF, National Association West Camelback And 101 Branch	2.05%	$100,000	-	Learn More
Rate History: 0.15% → 2.55% → 2.45% → 2.30% → 2.05%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Wells Fargo Bank, National Association Window Rock Branch	2.00%	$25,000	-	Learn More
Rate History: 2.50% → 2.51% → 2.01% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
JPMorgan Chase Bank, National Association Mobile Branch (1)	1.50%	$10,000	-	Learn More
Rate History: 3.00% → 2.00% → 1.50%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Bankers Trust Company Bankers Trust Phoenix Branch	1.20%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Northfield Bank	0.75%	$0	-	Learn More Add Review
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
1st Bank Yuma San Luis Branch	0.60% 0.35%	$100,000 $1,000	-	Learn More Add Review
Rate History: 0.30% → 0.60%
Goldwater Bank, N.A. Goldwater Bank, N.A. Branch	0.50%	$10,000	-	Learn More
mobert52 \| Sep 26, 2018 Drove to PHX to open an acct. The listed address is VACANT. No info available for other branches. Found another listed branch office, office is vacant. Screw you Goldwater Bank, you want my money and y... Read More Reviews (3)
Gateway Commercial Bank Gateway Commercial Bank Branch	0.40%	$10,000	-	Learn More Add Review
Meadows Bank Phoenix Branch	0.35%	$10,000	-	Learn More Add Review
FineMark National Bank & Trust Scottsdale Branch	0.30%	$10,000	-	Learn More
jpchamorro \| Apr 5, 2020 great Read More Reviews (1)
First International Bank & Trust Airpark Branch	0.30%	$10,000	-	Learn More Add Review
First National Bank Texas Marana Banking Center - Rc 907 Branc Branch	0.25%	$100,000	-	Learn More Add Review
MidFirst Bank Rural & Elliot Branch	0.25%	$10,000	-	Learn More
sharzns \| Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More Reviews (3)
Enterprise Bank & Trust Camelback Branch	0.25%	$10,000	-	Learn More
Fredbird \| Aug 30, 2017 Excellent bank with a friendly helpful staff Read More Reviews (1)
Academy Bank, National Association Yuma/Foothills In Store Branch	0.25%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
First Fidelity Bank Mesa Office Branch	0.25%	$10,000	-	Learn More
Dianna Jackson \| Dec 1, 2022 I have banked at First Fidelity since 1991 I think. Their banking staff has always been so helpful. I had a person years ago take one of my blank check and cashed it for 250.00. I caught it right away ... Read More Reviews (1)
Western Alliance Bank Western Alliance Bank Branch	0.25%	$100,000	-	Learn More Add Review
Western State Bank Chandler, Az Branch	0.25%	$10,000	-	Learn More
Jean-Marc \| Nov 10, 2023 Just found out after submitting all my personal information: "Western also allows one free outgoing wire per month." "External transfers from Western State Bank Online Banking: After 60 days you will h... Read More Reviews (10)
TrustBank Chandler Branch	0.20%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
Pacific Premier Bank	0.20%	$10,000	-	Learn More
Harry Reese \| Jul 22, 2015 Fix your automated system so I can find information after you close Read More Reviews (1)
First Savings Bank Lake Havasu City Branch	0.20%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
UMB Bank, National Association Gilbert Branch	0.20%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Western Alliance Bank Western Alliance Bank Branch	0.20%	$10,000	-	Learn More Add Review
First National Bank Texas Marana Banking Center - Rc 907 Branc Branch	0.20%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Fort Huachuca Branch	0.20%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Unison Bank Gilbert Branch	0.20%	$2,500	-	Learn More Add Review
Purepoint MUFG Union	0.15%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Washington Federal Bank Camino Seco Branch	0.15%	$1,000	-	Learn More
Rate History: 0.15% → 0.15%
jim \| Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More Reviews (2)
West Valley National Bank Scottsdale Branch	0.15%	$10,000	-	Learn More Add Review
Western Bank Willcox Branch	0.13%	$10,000	-	Learn More Add Review
Sunwest Bank Birch Branch	0.10%	$100	-	Learn More
william \| Apr 10, 2022 these are the absolute worst rates in history--a 5 year old could see that--either wake up or close your doors to legitimate customers! Read More Reviews (1)
Parkway Bank and Trust Company Raintree Drive Branch	0.10%	$10,000	-	Learn More
Ed \| Jun 20, 2019 12 month rate not 2.5. Changed to 1.5%. Read More Reviews (1)
KeyBank National Association	0.05%	$2,500	-	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
BMO Bank National Association Phoenix Camelback Branch	0.05%	$1,000	-	Learn More
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
U.S. Bank National Association Downtown Mesa Branch	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
OneWest Bank, a division of First-Citizens Bank and Trust	0.01%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Chandler Main Officer Branch	0.01%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
Mission Bank Mission Bank Branch	0.01%	$10,000	-	Learn More Add Review
Glacier Bank 4th Avenue Branch	0.01%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
Comerica Bank Mesa - Riverview Branch	925 N Dobson Road	Mesa	AZ
Stearns Bank National Association Arizona Branch	9225 East Shea Boulevard	Scottsdale	AZ
First Internet Bank of Indiana Tempe Loan Production Office Branch	51 West 3rd Street, Suite 315	Tempe	AZ
KS StateBank Phoenix Bank Branch	3877 North 7th Street, Suite 150	Phoenix	AZ
Beal Bank USA Phoenix Bracnh Branch	7001 North Scottsdale Road, Suite C-135	Scottsdale	AZ
Johnson Bank Gainey Branch 89000	8700 N. Gainey Center Dr., Ste 100	Scottsdale	AZ
Republic Bank of Arizona Republic Bank Of Arizona Branch	645 E. Missouri Avenue, Suite 108	Phoenix	AZ
Bank of America, National Association 99th Avenue & Mcdowell Branch	9910 W. Mcdowell Road	Avondale	AZ
FirstBank Firstbank Branch	2425 S. Gilbert Rd	Gilbert	AZ
Zions Bank Sonoita Branch	3166 Hwy 82, Suite 3	Sonoita	AZ
BOKF, National Association West Camelback And 101 Branch	9545 W. Camelback	Phoenix	AZ
Wells Fargo Bank, National Association Window Rock Branch	Highway 264 And Route 12	Window Rock	AZ
JPMorgan Chase Bank, National Association Mobile Branch (1)	201 North Central Avenue	Phoenix	AZ
Bankers Trust Company Bankers Trust Phoenix Branch	2525 East Camelback	Phoenix	AZ
1st Bank Yuma San Luis Branch	645 North First Avenue	San Luis	AZ
Goldwater Bank, N.A. Goldwater Bank, N.A. Branch	7135 East Camelback Road, Suite I-201	Scottsdale	AZ
Gateway Commercial Bank Gateway Commercial Bank Branch	6860 East Warner Road	Mesa	AZ
Meadows Bank Phoenix Branch	2141 E. Camelback Road, Suite 120	Phoenix	AZ
1st Bank Yuma San Luis Branch	645 North First Avenue	San Luis	AZ
FineMark National Bank & Trust Scottsdale Branch	7600 East Doubletree Ranch Road, Ste 100	Scottsdale	AZ
First International Bank & Trust Airpark Branch	7900 East Raintree Drive	Scottsdale	AZ
First National Bank Texas Marana Banking Center - Rc 907 Branc Branch	8280 N. Cortaro Road	Tucson	AZ
MidFirst Bank Rural & Elliot Branch	787 East Elliot Road	Tempe	AZ
Enterprise Bank & Trust Camelback Branch	3900 E Camelback Rd	Phoenix	AZ
Academy Bank, National Association Yuma/Foothills In Store Branch	8151 E 32nd St	Yuma	AZ
First Fidelity Bank Mesa Office Branch	63 East Main Street	Mesa	AZ
Western Alliance Bank Western Alliance Bank Branch	1 E Washington St	Phoenix	AZ
Western State Bank Chandler, Az Branch	976 West Chandler Boulevard	Chandler	AZ
TrustBank Chandler Branch	4903 South Alma School Road, Suite 5	Chandler	AZ
First Savings Bank Lake Havasu City Branch	1031 Acoma Blvd South	Lake Havasu City	AZ
UMB Bank, National Association Gilbert Branch	845 North Gilbert Road	Gilbert	AZ
Western Alliance Bank Western Alliance Bank Branch	1 E Washington St	Phoenix	AZ
First National Bank Texas Marana Banking Center - Rc 907 Branc Branch	8280 N. Cortaro Road	Tucson	AZ
Armed Forces Bank, National Association Fort Huachuca Branch	52035 Arizona Street	Fort Huachuca	AZ
Unison Bank Gilbert Branch	1835 East Pecos Rd	Gilbert	AZ
Washington Federal Bank Camino Seco Branch	8675 East Broadway Boulevard	Tucson	AZ
West Valley National Bank Scottsdale Branch	5635 N. Scottsdale Rd. Suite 150	Scottsdale	AZ
Western Bank Willcox Branch	200 West Rex Allen Drive	Willcox	AZ
Sunwest Bank Birch Branch	121 East Birch Avenue	Flagstaff	AZ
Parkway Bank and Trust Company Raintree Drive Branch	9336 East Raintree Drive, Suite 1b	Scottsdale	AZ
Comerica Bank Mesa - Riverview Branch	925 N Dobson Road	Mesa	AZ
BMO Bank National Association Phoenix Camelback Branch	One East Camelback Road	Phoenix	AZ
U.S. Bank National Association Downtown Mesa Branch	One Macdonald Center	Mesa	AZ
First-Citizens Bank & Trust Company Chandler Main Officer Branch	2480 South Gilbert Road	Chandler	AZ
Mission Bank Mission Bank Branch	2439 Hualapai Mountain Road	Kingman	AZ
Glacier Bank 4th Avenue Branch	2285 South 4th Avenue	Yuma	AZ

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
The deposited money is committed for six months.
Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

The advantages of six month CDs opened via a traditional bank are:

The disadvantages of six month CDs are:

SAVINGS & CD CALCULATOR

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