Skip to content
Couple Smiling at Computer
Flexible Terms

Terms that fit your needs from 3 months - 60 months!

a certificate of deposit to help you save

Grow your savings with a Share Certificate (or CD) from AERO Financial. 


With fixed-rate savings and terms to fit your needs, AERO Financial Share Certificates are a smart way to save for short-term or long-term goals.

Apply Now

Start Your Share Certificate Application

AMONG THE BEST RATES IN ARIZONA

Watch your savings grow regardless of market fluctuations. Let your money work for you with our great certificate (CD) rates!

Rates as of November 5, 2024

Term Compounding Dividend Rate APY1
3 Month Monthly 4.60% 4.70%
6 Month Monthly 4.60% 4.70%
1 Year Monthly 4.41% 4.50%
1.5 Year Monthly 4.07% 4.15%
2 Year Monthly 3.69% 3.75%
3 Year Monthly 3.20% 3.25%
4 Year Monthly 2.96% 3.00%
5 Year Monthly 3.45% 3.50%
7 Month Special** Monthly 4.75% 4.85%

start saving today

Share Certificate of Deposit features

Grow your savings with a low-risk investment that works as hard as you do.  Build your savings with a CD from AERO Financial!

Fixed Rates

Don't worry about rates going down, your CD rate is locked in!

Low Minimums

Start saving with just a $500 minimum opening deposit.

Flexible Terms

Choose the terms that meet your needs from 3 to 60 months.

Guaranteed Growth

CDs are a safe, low-risk, guaranteed investment.
Older Couple Working On Their Finances
Girl On A Phone

knowledge is power

WHAT IS A CD?

Share Certificates are a conservative investment option for individuals looking to earn a higher interest rate on their savings while keeping their money safe and secure. They are suitable for investors who have a specific savings goal and do not need immediate access to their funds.

Apply Now

DISCOVER THE BEST SAVINGS OPTION FOR YOU

Reach your financial goals with the saving or investment option that best suits you. 

no monthly fee

Savings Account

AERO logomark dark blue and light blue
$5 opening deposit
AERO logomark dark blue and light blue
Optional payroll deduction
AERO logomark dark blue and light blue
Easy access to your savings
AERO logomark dark blue and light blue
Competitive quarterly dividends
Apply now
safe investments

Money Market Account

AERO logomark dark blue and light blue
$5 opening deposit
AERO logomark dark blue and light blue
Optional payroll deduction
AERO logomark dark blue and light blue
Easy access to your investment
AERO logomark dark blue and light blue
Competitive monthly dividends
Apply Now
fixed-rate earnings

Share Certificates

AERO logomark dark blue and light blue
Fixed rates
AERO logomark dark blue and light blue
$500 minimum investment
AERO logomark dark blue and light blue
Terms from 3 months to 60 months
AERO logomark dark blue and light blue
Jumbo Share Certificates available
Apply Now
tax-advantaged savings

Roth IRA or Traditional IRA

AERO logomark dark blue and light blue
$5 opening deposit
AERO logomark dark blue and light blue
Optional payroll deduction
AERO logomark dark blue and light blue
Potential tax advantages
AERO logomark dark blue and light blue
Competitive quarterly dividends
Apply Now

BUILD YOUR IDEAL BUDGET

This free guide includes every budget you'll ever need.
Maximize your savings and take control of your financial future!

AERO Financial Every Budget Youll Ever Need Ebook

Start Saving Money Today

Guy On Computer

Maximize your wealth

EARN MORE WITH OUR JUMBO SHARE CERTIFICATES

Ready to maximize earnings and take your finances to the next level? Our Jumbo Share Certificates get all the perks of our regular CDs and more!

  • More Earnings. The higher your initial deposit, the more you will earn. Jumbo Share Certificates are available with a minimum investment of $100,000.
  • Better Rates. Jumbo Share Certificate rates are 0.10% higher than our regular Share Certificate Rates.
Apply now for a Jumbo Share Certificate and start growing your wealth today!
Apply Now

Free Resources Just For You

A conceptual image showing a piggy bank on a growing pile of coins with a chart in the background indicating financial growth, symbolizing personal savings and smart budgeting

Mastering Your Finances: Strategies for Saving More Money

Whether you're saving for a big purchase, emergency fund, or financial stability, mastering the art...

Read More
A happy couple reviewing financial documents and smiling in front of their new home with a 'Sold' sign, illustrating the joy and responsibility of home ownership

Navigating the Home Buying Journey

Embarking on the home buying process can be as daunting as it is exciting. In this guide, we delve...

Read More
A photograph of a piggy bank sitting atop a stack of emergency fund savings books, a calculator and financial charts in the background, all signifying financial planning and stability.

Fortifying Your Finances: Building an Emergency Fund

Every household encounters unexpected financial hurdles. This article delves into the importance of...

Read More
Couple Looking At a Computer
Lady On A Phone
Lady-with-a-Card-and-a-Key

What our members
are saying

“I opened my first bank account with AERO when I was 10 years old at the Deer Valley branch. That was 22 years ago, and in all that time, AERO has been fantastic. I have never had anything less than a great experience with all my needs here. Love this credit union.” 

Tommy T.

“AERO is such a unique banking experience every time! The team is so knowledgeable and take pride in their jobs. If you're looking for a personal banking experience with people who care for your best interest, you have to give this location a shot! You will not be disappointed!”

Kayla J.

“Absolutely fabulous experience working with the AERO team. Already sending referrals!”

Cryston G.