# Desert Financial Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/desert-financial-credit-union
Institution: Desert Financial Credit Union (NCUA 68713)
Aliases: 
Status: live
Last verified: 2026-10-22T13:34:02.000Z (October 22, 2026)
Official source: https://www.desertfinancial.com/en/rates
Coverage: Membership required. Includes traditional and IRA-eligible certificates, jumbo certificates, and the College Savings Certificate. Consult the source for membership and product-specific eligibility.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Savings Certificate | standard | 6 months | $100,000 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Traditional & IRA Savings Certificate | standard | 6 months | $1,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| College Savings Certificate | special | 12 months | $1,000 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Jumbo Savings Certificate | standard | 12 months | $100,000 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Traditional & IRA Savings Certificate | standard | 12 months | $1,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Jumbo Savings Certificate | standard | 18 months | $100,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Traditional & IRA Savings Certificate | standard | 18 months | $1,000 | 3.80% | Not ZIP-priced | −0.92% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Jumbo Savings Certificate | standard | 24 months | $100,000 | 3.90% | Not ZIP-priced | −0.97% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Traditional & IRA Savings Certificate | standard | 24 months | $1,000 | 3.85% | Not ZIP-priced | −1.02% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Jumbo Savings Certificate | standard | 36 months | $100,000 | 3.95% | Not ZIP-priced | −1.00% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Traditional & IRA Savings Certificate | standard | 36 months | $1,000 | 3.90% | Not ZIP-priced | −1.05% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Jumbo Savings Certificate | standard | 48 months | $100,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Traditional & IRA Savings Certificate | standard | 48 months | $1,000 | 3.95% | Not ZIP-priced | −1.03% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Jumbo Savings Certificate | standard | 60 months | $100,000 | 4.05% | Not ZIP-priced | −0.96% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |
| Traditional & IRA Savings Certificate | standard | 60 months | $1,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-22T13:34:02.000Z | [Snapshot 277](https://apyledger.com/snapshots/277) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.