Certificates of Deposit (CDs)

 

Our CD rates just went up – but we offer peace of mind! If rates continue to rise, your CD’s rate can too!

Are you worried that you should wait to see whether rates will continue to rise? Don’t worry! Many of our CDs offer Inflate Your Rate1 protection and peace of mind! Not only do CDs represent a great, low-risk option where you can predict how much you will earn in dividends right from the start – if you take out a CD with Inflate Your Rate protection, if rates increase during the term, you can request to re-write your CD at the higher rate without penalty.

For a limited time, get a bonus 0.5% in dividends!

For a limited time, you will have the opportunity to get a bonus 0.5% from our advertised rate on some CD options!3 

Be entered to win $1,000!

Have you heard? Our popular Stash Your Cash Sweepstakes is back! footnote It’s simple! Open a CD with us and be automatically entered to win $1,000 cash!2

Join Now

 

For risk-adverse investors, CDs represent a great, low-risk option. The interest rate is fixed for the term of the CD, so you can predict how much you will earn in dividends right from the start. How much you will earn depends on the type of CD you choose, how much you deposit, as well as the length of the term. CDs with a 36 to 60-month term offer a special Inflate Your Rate option. If our rate increases during the term, you can request to re-write your CD at the higher rate without penalty1.

  • Our flexible terms range from 6 to 60 months
  • All CDs require a $1,000 minimum initial deposit
  • Jumbo rates are applied to balances of $100,000 or more
  • All dividend rates are paid quarterly
  • Special Certificates for kids and teens
  • Early withdrawal penalties on all CDs may apply

To open an account call us at (602) 264-6421 toll free (866) 264-6421 or visit any of our 10 local branches.

View Rates

1Inflate Your Rate CD. You have the right to increase your rate once over the term of your CD to our current rate if we raise the rate we pay on this CD during the term of your CD. Terms available: 36, 48, and 60 months only. Consumer accounts only. Other terms and restrictions apply.

2To qualify for Stash Your Cash, Arizona Central Credit Union member must increase their average monthly balance in their checking, savings, Certificate of Deposit (CD), or money market account by one of the following thresholds: (1) an amount greater than or equal to $250, (2) an amount greater than or equal to $500, (3) an amount greater than or equal to $750, or (4) an amount greater than or equal to $1,000. The promotion will begin September 1, 2018 with an end date at the discretion of Arizona Central Credit Union. The promotion may be cancelled at any time without any advance notification. All qualifying members will be entered into a drawing to be held on or about the tenth business day following each contest month. Only one entry permitted per member, per month. Total prize amount will be dependent upon how much a member has increased their average monthly balance for each contest month, and per the following guidelines. Individuals who have increased their monthly balance by greater than or equal to $250 will be eligible for a single entry in a $250 monthly drawing. Individuals who have increased their monthly balance by greater than or equal to $500 will be eligible for a single entry in a $500 monthly drawing. Individuals who have increased their monthly balance by greater than or equal to $750 will be eligible for a single entry in a $750 monthly drawing. Individuals who have increased their monthly balance by greater than or equal to $1,000 will be eligible for a single entry in a $1,000 monthly drawing. See Official Rules for additional details.

3Existing members of Arizona Central Credit Union who open a new Certificate of Deposit (CD) with a minimum deposit of $1,000, on a 24 month (two year) term only, will receive an extra 0.5% rate increase to the advertised rate. Early withdrawal penalty will apply. This is a limited time offer that may be withdrawn at any time, at the discretion of Arizona Central Credit Union.