# Pima Federal Credit Union CD and share certificate rates

As of October 22, 2026, Pima Federal Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on an 18-month relationship CD ($250 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.50% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/pima-federal-credit-union
Institution: Pima Federal Credit Union (NCUA 7316)
Aliases: 
Status: live
Last verified: 2026-10-22T16:24:16.000Z (October 22, 2026)
Official source: https://www.pimafederal.org/rates
Coverage: Membership required. Term share certificates from 6 to 60 months with a $250 minimum, quoted at a standard APY and a higher checking-relationship APY; the relationship rate requires the CareFREE Plus checking conditions shown on the source. Rates are fixed for the term. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Term Share Certificate | relationship | 6 months | $250 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | standard | 6 months | $250 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | relationship | 12 months | $250 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | standard | 12 months | $250 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | relationship | 18 months | $250 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | standard | 18 months | $250 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | relationship | 24 months | $250 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | standard | 24 months | $250 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | relationship | 30 months | $250 | 4.00% | Not ZIP-priced | −0.91% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | standard | 30 months | $250 | 3.75% | Not ZIP-priced | −1.16% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | relationship | 36 months | $250 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | standard | 36 months | $250 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | relationship | 48 months | $250 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | standard | 48 months | $250 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | relationship | 60 months | $250 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |
| Term Share Certificate | standard | 60 months | $250 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T16:24:16.000Z | [Snapshot 394](https://apyledger.com/snapshots/394) |

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.