Arizona Financial Credit Union
is the right choice

Find out what makes us unique and discover why banking locally in Arizona can help you reach your goals!

All About Arizona Financial Credit Union

Founded in 1936, Arizona Financial is a locally-owned, not-for-profit financial cooperative that provides consumer and small business banking services to more than 155,000 members across Arizona. Become a member and find out what that means for you!

young smiling african american man in business suit
Members, Not Customers

We're owned by our members and governed by an all-volunteer, member-elected Board of Directors. Arizona Financial exists for the benefit of all members, not Wall Street stockholders.

A Better Way to Bank

We recognize that by joining together in our financial cooperative business model, all our members are more empowered to take control of their finances and reach their goals.

Local Banking, No Compromises

With the power of more than 155,000 members participating in Arizona Financial, you get the convenience of a big national bank with the benefits of banking locally. 

Mutual Benefit

Participating members share in the success when the cooperative does well in the form of lower loan rates, higher dividend rates, and fewer and lower banking fees.

Benefits of Membership

As a member of Arizona Financial, you have access to so many great benefits it can be a bit overwhelming.
Follow this guide to maximize your benefits now and throughout the year.

Checking & Savings Made Easy

Whether personal or business related, our checking and savings account options provide everything you'd expect and a whole lot more, like monthly dividends and ID protect TM


Mobile Convenience

Staying on top of your finances while you're on the go is simple using our easy-to-use mobile app. You can deposit checks, transfer funds, pay bills and more.

Cash Back When You Shop

Load cash back offers to your Arizona Financial debit card and receive cash back when you dine or shop! It's easy to get started by logging in to online banking or the mobile app.

Get Rewarded for Your Everyday Purchases

With Arizona Financial's Scorecard Rewards® program, you can earn points with our Visa® Signature Rewards or Platinum credit cards. Redeem your points for merchandise, travel and even cash back!

Protect your Identity & Credit

Activate ID Protect™ credit report monitoring to help protect against identity fraud. View your credit report and score every quarter. It's included with membership at no additional charge!

Control with CardPower

The CardPowerTM app allows you to turn your Visa® cards off or on, set up alerts, and create other personalized controls.

Membership Eligibility

You’re eligible to open an account with us if you live, work, worship, attend school, or regularly conduct business in one of the areas listed below. You may also be eligible through a family or household member who has already chosen Arizona Financial for their financial needs.
Still not sure if you're eligible? Support our local communities and become eligible by making a donation of at least $15 to Local First Arizona.

  • Coconino County
  • Gila County
  • La Paz County
  • Maricopa County
  • Mohave County

  • Navajo County
  • Pima County
  • Pinal County
  • Yavapai County
  • Yuma County

The Arizona Financial Vision


Empower members to take hold of their financial future.


Members Across Arizona


(as of September 2022)


Branches and ATMs with Member Access

Meet Ronald L. Westad,
Arizona Financial Chief Executive Officer

Welcome to Arizona Financial Credit Union!

Over the past 30 years with the credit union, I've observed many changes in the financial services industry. Throughout the years, our strategic mission has been guided by delivering expertise in consumer and small banking services to our members. Our operating model demonstrates a culture of taking care of our members and our employees and their families, while serving our community.

On July 1, 2022, we changed from a federally-charted to a state-charter credit union. This prompted our name change from Arizona Federal to Arizona Financial and has allowed us to open our doors in service to even more individuals and businesses across Arizona.

To learn more about becoming a member of Arizona Financial, I invite you to stop by a local branch or open your account online.

We welcome you to join our family!


President's Message &
Financial Statements

We're always working to serve you better!

At Arizona Financial we're all about transparency. Here we provide our most recent quarterly updates to ensure you have all the information you need about what's happening at your credit union.


President's Message Q3 2022 Update

Ronald L Westad Arizona Financial President CEOHave you noticed something different?

Welcome to Arizona Financial Credit Union! Yes, our name has changed, but you can expect to receive the same great service from the same great people at your favorite local branches. Although we announced our name change on July 1, we felt it deserved repeating. We all lead busy lives, so it’s possible you may not have heard.

The good news is that you won’t experience any interruptions to your accounts, credit and debit cards, checks, or online and mobile banking logins. It’s business as usual. We will, however, be reissuing your debit and credit cards in the near future to reflect our new name.

Now serving everywhere you call home.

With our new state charter approved by members back in April – which prompted our name change – we can now serve more of Arizona. Specifically, anyone who lives, works, worships, attends school or regularly conducts business in 10 of Arizona’s 15 counties: Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai, and Yuma.

Help us spread the word.

Let your friends and family know that now they may be eligible to join Arizona Financial. The more members we have participating in our financial cooperative, the more everyone will benefit through better rates, lower fees and more rewards like our Member Bonus Payout program.

If your friends and family live out of state, there’s another way for them to become eligible by making a donation of at least $15 to Local First Arizona. Founded in 2003, Local First Arizona is a nonprofit organization committed to community and economic development throughout Arizona.

Best of all, it’s easy to become a member and open an account!

Update: Horizon Community Bank acquisition.

On March 10, we announced our intention to acquire Horizon Community Bank, a $550 million financial institution headquartered in Lake Havasu City. I’m excited to share we have received all regulatory approvals for this transaction, and on October 1 all 12,000 Horizon clients will become the newest members of Arizona Financial!

As a result of this acquisition, your credit union will grow to serve more than 155,000 members, with 20 branch locations and $3.3 billion in assets, along with 620 employees committed to serving your financial needs whether in person, over the phone, or remotely via our online and mobile applications.

Thank you for your continued support of Arizona Financial. We’re excited about what the future holds and the opportunity to welcome even more Arizonans to our financial cooperative.

Ronald L Westad Arizona Financial President CEO Signature

Ronald L. Westad
President and Chief Executive Officer

2021 Annual Report


View a copy of our 2021 Annual Report



2021 Financial Report


View a copy of our 2021 Financial Audit



Your Board of Directors

As a not-for-profit financial cooperative, Arizona Financial is run by a member-elected Board of Directors. These unpaid representatives serve as member trustees and are responsible for establishing the credit union's policies and strategic direction.

Bill Greene


Dave Albertson


Zeek Ojeh


Libby Bissa


Tim Black


Jennifer Genga


Cathleen Gleason


Roy Levenda


Kelvin Smith


Contact the Arizona Financial Board of Directors

The Supervisory Committee

Our Supervisory Committee is comprised of volunteers who are appointed by the Board of Directors to represent Arizona Financial's members. This committee serves as our checks and balances to keep us on track.

The committee is responsible for ensuring that members' funds and interests are protected at all times. To accomplish this goal, the Supervisory Committee performs several specific duties including: overseeing an annual independent audit of the credit union, verifying members' accounts, reviewing internal accounting systems and controls, and ensuring that all policies and procedural guidelines are followed.

The Supervisory Committee works closely with our Compliance and Review Services department, confirming the reliability of controls in place and the consistency of the credit union's protection processes. Along with participating in monthly board meetings and planning sessions, the Supervisory Committee continues to serve members on an individual basis.

Jeffrey Barton


Jessica Bingham

John Bushko

Randy Posey

Manny Verdugo

The Cooperative Business Model

Credit unions are financial cooperatives, comprised of members who have joined together to pursue a common goal. 
At Arizona Financial, that common goal is being in control of our personal finances. And that boils down to three things:



Arizona Financial is committed to the seven core principles of the cooperative movement:

  • Voluntary & Open Membership
  • Democratic Member Control
  • Members' Economic Participation
  • Autonomy & Independence

  • Education, Training & Information
  • Cooperation Among Cooperatives
  • Concern for Community

Arizona Financial Resources