# OneAZ Credit Union CD and share certificate rates

As of October 22, 2026, OneAZ Credit Union's highest tracked CD (share certificate) rate is 2.85% APY on a 24-month CD ($2,000 minimum). That is 1.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.40% to 2.85% APY.

Canonical page: https://apyledger.com/cd-rates/oneaz-credit-union
Institution: Oneaz Credit Union (NCUA 61315)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:40.000Z (October 22, 2026)
Official source: https://www.oneazcu.com/about/resources/todaysrates/
Coverage: Membership required. Share certificates from 3 to 60 months. Early withdrawal penalties may apply.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $2,000 | 2.40% | Not ZIP-priced | −1.90% | 2026-10-23T02:10:40.000Z | [Snapshot 864](https://apyledger.com/snapshots/864) |
| Share Certificate | standard | 6 months | $2,000 | 2.75% | Not ZIP-priced | −1.65% | 2026-10-23T02:10:40.000Z | [Snapshot 864](https://apyledger.com/snapshots/864) |
| Share Certificate | standard | 12 months | $2,000 | 2.75% | Not ZIP-priced | −1.82% | 2026-10-23T02:10:40.000Z | [Snapshot 864](https://apyledger.com/snapshots/864) |
| Share Certificate | standard | 18 months | $2,000 | 2.75% | Not ZIP-priced | −1.97% | 2026-10-23T02:10:40.000Z | [Snapshot 864](https://apyledger.com/snapshots/864) |
| Share Certificate | standard | 24 months | $2,000 | 2.85% | Not ZIP-priced | −2.02% | 2026-10-23T02:10:40.000Z | [Snapshot 864](https://apyledger.com/snapshots/864) |
| Share Certificate | standard | 30 months | $2,000 | 2.85% | Not ZIP-priced | −2.06% | 2026-10-23T02:10:40.000Z | [Snapshot 864](https://apyledger.com/snapshots/864) |
| Share Certificate | standard | 36 months | $2,000 | 2.85% | Not ZIP-priced | −2.10% | 2026-10-23T02:10:40.000Z | [Snapshot 864](https://apyledger.com/snapshots/864) |
| Share Certificate | standard | 48 months | $2,000 | 2.85% | Not ZIP-priced | −2.13% | 2026-10-23T02:10:40.000Z | [Snapshot 864](https://apyledger.com/snapshots/864) |
| Share Certificate | standard | 60 months | $2,000 | 2.85% | Not ZIP-priced | −2.16% | 2026-10-23T02:10:40.000Z | [Snapshot 864](https://apyledger.com/snapshots/864) |

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.