Arizona

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Credit Union CD Rates – 6-Month – Scottsdale, Arizona

You are viewing rates from credit unions across Scottsdale

 

Below are the best six month CD Rates from credit unions in Scottsdale, 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.

Scottsdale, AZ - July 6, 2025

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?

Rate History: 5.50% → 5.25% → 4.65% → 4.35% → 4.15%

Rate History: 4.76% → 5.00% → 4.75% → 4.00%

| May 12, 2016

19 what, years or months Read More

Rate History: 3.30% → 3.15% → 3.00% → 2.75%

Rate History: 2.86% → 5.00% → 4.45% → 4.10% → 2.00%

0.65%

$100,000

7.49

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0.60%

$100,000

17.74

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0.55%

$10,000

7.49

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0.50%

$10,000

16.38

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0.50%

$10,000

17.74

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0.50%

$100,000

15.76

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0.45%

$100,000

9.99

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0.40%

$100,000

18.28

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0.40%

$10,000

11.01

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0.40%

$10,000

5.50

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0.40%

$10,000

8.60

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0.40%

$10,000

15.76

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0.35%

$10,000

9.99

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0.35%

$10,000

18.28

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0.30%

$10,000

19.52

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0.20%

$10,000

12.02

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0.20%

$10,000

17.26

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0.20%

$10,000

16.38

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Edu


Restrictions

0.01%

$500

-

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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 Scottsdale, AZ - July 6, 2025


Branch Street City State
MOUNTAIN AMERICA
056 - Phoenix 056 - Phoenix Branch
805 E Thunderbird Rd Phoenix AZ
DESERT FINANCIAL
Desert Schools Desert Schools Branch
17445 N 79th Ave Glendale AZ
CREDIT UNION WEST
Cactus Cactus Branch
6777 W Cactus Rd Peoria AZ
DESERT FINANCIAL
Desert Schools Desert Schools Branch
17445 N 79th Ave Glendale AZ
UNIFY FINANCIAL
Western Western Branch
11202 E. Germann Road Mesa AZ
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
8337 West Bell Road Suite 102 Peoria AZ
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
8337 West Bell Road Suite 102 Peoria AZ
FARMERS INSURANCE
Farmers Insurance Group Federal Credit Union Farmers Insurance Group Federal Credit Union Branch
16001 N 28th Ave Phoenix AZ
NUVISION
Mesa Branch Mesa Branch
5000 E McDowell Rd Mesa AZ
NUVISION
Mesa Branch Mesa Branch
5000 E McDowell Rd Mesa AZ
NUVISION
Mesa Branch Mesa Branch
5000 E McDowell Rd Mesa AZ
NUVISION
Mesa Branch Mesa Branch
5000 E McDowell Rd Mesa AZ
GLOBAL
Glendale Glendale Branch
16325 N 56th Ave Glendale AZ
INTERFAITH
Desert Southwest Desert Southwest Branch
1550 E Meadowbrook Ave Ste B Phoenix AZ
ARIZONA CENTRAL
Arizona Central Arizona Central Branch
6901 W Bell Road GLENDALE AZ
INTERFAITH
Desert Southwest Desert Southwest Branch
1550 E Meadowbrook Ave Ste B Phoenix AZ
ARIZONA
Bell Road Branch Bell Road Branch
5505 W Bell Rd Glendale AZ
ARIZONA CENTRAL
Arizona Central Arizona Central Branch
6901 W Bell Road GLENDALE AZ
FIRST
First First Branch
5770 W. Thunderbird Avenue Glendale AZ
SOUTHWEST AIRLINES
Phoenix Branch Phoenix Branch
2330 E Jones Ave Ste 6 Phoenix AZ
SUNWEST
Sunwest Sunwest Branch
16879 N 75th Ave Ste A103 Peoria AZ
VANTAGE WEST
Phoenix Branch Phoenix Branch
3416 N 24th Ln Phoenix AZ
TRUWEST
Truwest Truwest Branch
5136 E. roosevelt St. Phoenix AZ
LANDINGS
Tempe Schools Tempe Schools Branch
2800 S Mill Avenue Tempe AZ
FIRST
First First Branch
5770 W. Thunderbird Avenue Glendale AZ
SOUTHWEST AIRLINES
Phoenix Branch Phoenix Branch
2330 E Jones Ave Ste 6 Phoenix AZ
SUNWEST
Sunwest Sunwest Branch
16879 N 75th Ave Ste A103 Peoria AZ
ONEAZ
Arizona State Arizona State Branch
8285 W UNION HILLS DR #106 GLENDALE AZ
ALHAMBRA
Alhambra Alhambra Branch
7339 N 35TH AVE PHOENIX AZ
DEER VALLEY
Deer Valley Deer Valley Branch
18559 N. 59th Avenue Glendale AZ
COPPER STATE
Canyon State Canyon State Branch
3440 W. DEER VALLEY ROAD PHOENIX AZ


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

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

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