Desert Financial Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Desert Financial Credit Union's highest tracked CD (share certificate) rate is 4.05% APY on a 60-month CD ($100,000 minimum). That is 2.9 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.65% to 4.05% APY.
Tracking began .
Desert Financial Credit Union CD & share certificate rates
Membership required. Includes traditional and IRA-eligible certificates, jumbo certificates, and the College Savings Certificate. Consult the source for membership and product-specific eligibility.
| Term | Product | APY |
|---|---|---|
| 6 months | Jumbo Savings Certificate | 3.70%Verified October 22, 2026 |
| 6 months | Traditional & IRA Savings Certificate | 3.65%Verified October 22, 2026 |
| 12 months | College Savings Certificate Special | 3.80%Verified October 22, 2026 |
| 12 months | Jumbo Savings Certificate | 3.80%Verified October 22, 2026 |
| 12 months | Traditional & IRA Savings Certificate | 3.75%Verified October 22, 2026 |
| 18 months | Jumbo Savings Certificate | 3.85%Verified October 22, 2026 |
| 18 months | Traditional & IRA Savings Certificate | 3.80%Verified October 22, 2026 |
| 24 months | Jumbo Savings Certificate | 3.90%Verified October 22, 2026 |
| 24 months | Traditional & IRA Savings Certificate | 3.85%Verified October 22, 2026 |
| 36 months | Jumbo Savings Certificate | 3.95%Verified October 22, 2026 |
| 36 months | Traditional & IRA Savings Certificate | 3.90%Verified October 22, 2026 |
| 48 months | Jumbo Savings Certificate | 4.00%Verified October 22, 2026 |
| 48 months | Traditional & IRA Savings Certificate | 3.95%Verified October 22, 2026 |
| 60 months | Jumbo Savings Certificate | 4.05%Verified October 22, 2026 |
| 60 months | Traditional & IRA Savings Certificate | 4.00%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Desert Financial Credit Union's best CD rates by term?
Desert Financial Credit Union's best rate is 4.05% APY on 60 months, verified October 22, 2026.
- 6 mo3.70%
- 12 mo3.80%
- 18 mo3.85%
- 24 mo3.90%
- 36 mo3.95%
- 48 mo4.00%
- 60 mo4.05%
How much interest could a Desert Financial Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $90.683.65% APY · Traditional & IRA Savings Certificate · Standard | $181.363.65% APY · Traditional & IRA Savings Certificate · Standard | $453.413.65% APY · Traditional & IRA Savings Certificate · Standard | $906.823.65% APY · Traditional & IRA Savings Certificate · Standard |
| 12 months | $190.003.80% APY · College Savings Certificate · Special | $380.003.80% APY · College Savings Certificate · Special | $950.003.80% APY · College Savings Certificate · Special | $1,900.003.80% APY · College Savings Certificate · Special |
| 18 months | $287.963.80% APY · Traditional & IRA Savings Certificate · Standard | $575.923.80% APY · Traditional & IRA Savings Certificate · Standard | $1,439.803.80% APY · Traditional & IRA Savings Certificate · Standard | $2,879.613.80% APY · Traditional & IRA Savings Certificate · Standard |
| 24 months | $392.413.85% APY · Traditional & IRA Savings Certificate · Standard | $784.823.85% APY · Traditional & IRA Savings Certificate · Standard | $1,962.063.85% APY · Traditional & IRA Savings Certificate · Standard | $3,924.113.85% APY · Traditional & IRA Savings Certificate · Standard |
| 60 months | $1,083.264.00% APY · Traditional & IRA Savings Certificate · Standard | $2,166.534.00% APY · Traditional & IRA Savings Certificate · Standard | $5,416.324.00% APY · Traditional & IRA Savings Certificate · Standard | $10,832.654.00% APY · Traditional & IRA Savings Certificate · Standard |
How Desert Financial Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 25 of 92 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Desert Financial Credit Union (this institution)Jumbo Savings Certificate · Standard | 60 months | $100,000 | Coverage: AZ | 4.05% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 60 months | $10,000 | Nationwide; check eligibility | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Barclays60 Month CD · Standard | 60 months | Not stated | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Desert Financial Credit Union on October 22, 2026.
About Desert Financial Credit Union
- Legal name
- Desert Financial Credit Union
- Regulator ID
- NCUA 68713
- Headquarters
- Phoenix, AZ
- Available in
- AZ
- Total assets
- $9.9 billion
- Also known as
- Website
- www.desertfinancial.com
Source: rates read from https://www.desertfinancial.com/en/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Desert Financial Credit Union?
Among the rates we track, 4.05% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Desert Financial Credit Union CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
How does Desert Financial Credit Union's best CD rate compare with Treasury yields?
4.05% APY is −0.96% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.05% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Desert Financial Credit Union CDs insured?
Desert Financial Credit Union is a federally insured credit union (NCUA 68713). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Desert Financial Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Desert Financial Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Desert Financial Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Desert Financial Credit Union before opening an account. This page is not financial advice.