Arizona Financial
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 165,000 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 165,000 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

To create a seamless, one-stop solution for consumer and business banking services that return value to the members and communities we serve.


Members Across Arizona


(as of September 2023)


Branches and ATMs with Member Access

Message from Amy L. Hysell,
Arizona Financial President & CEO

First Quarter 2024

Looking ahead & reflecting back

Happy New Year as we ring in 2024. I hope you and yours enjoyed the holidays and are excited about the possibilities a new year can bring.

At Arizona Financial, we are certainly looking ahead with excitement, but we’re also taking a moment to reflect on some enhancements we made in 2023 – like the introduction of our Free Checking Account*, High-Yield Savings Account and High-Yield CDs. These new accounts represent our commitment to return value to our members by offering low-cost account options and market-leading deposit rates so you can make the most of your money.

Everyday best pricing, member growth & new branches

Heading into 2024, we will continue this focus on providing our members with our best rates and terms on deposits and loans, so you know you’ll always be getting great value when you bank with Arizona Financial.

With our new state-wide service area and expansion into Western Arizona, growing our membership will also be a focus in 2024. We know we have an exciting opportunity to deliver our not-for-profit business model to even more Arizonans as an alternative to mega banks that prioritize stockholders over individual account holders.

New growth also means new service areas. We’re currently scouting for a new location in the Southeast Valley, specifically near Queen Creek and San Tan Valley. We anticipate opening our next branch in that area, and we are looking throughout metro Phoenix for additional expansion opportunities.

More support for small businesses 

We recognize the important role small businesses play in our community and know they have unique banking needs. To better support the businesses we serve, we’re building a new team dedicated to serving business members exclusively. This team will be accessible by phone, email, chat and other means, and equipped with the knowledge and empowered with the authority to help our business members get things done. Look for the Business Desk to debut in the spring.  

Your debit card makes a difference  

If you follow us on social media, you may have seen our recent announcement about our Local Causes giveback program. In early December we awarded nearly $60,000 in grants to 10 local nonprofits. For the first time ever, we awarded the grants at an in-person ceremony, and it was an incredible and moving experience to hear the stories about how these grants are having an impact in our community.

Thank you to our members for using the Local Causes debit card. Every time you make a purchase with this card, Arizona Financial makes a donation to a community fund that is then distributed to local nonprofits in the form of these grants.

Since launching the program in 2020, we’ve awarded nearly $300,000 to 80 hyper-local nonprofits that do great work in the community but don’t get the same recognition and support as some of those larger, better-know organizations in the community.

Are you and your family members carrying the Local Causes debit card in your wallet? If not, stop by your local branch to pick up your card or visit to learn more.

As we begin a new year, I would like to extend my best wishes to you for a happy, healthy, and prosperous 2024. Thank you for the opportunity to serve you, and please reach out to let us know how we can help you reach your financial goals in the year ahead.

Amy L. Hysell

* No monthly service fee, other fees may apply. See website or ask a banker for details.

amy hysell

Financial Statements

We're always working to serve you better!

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


2022 Annual Report


View a copy of our 2022 Annual Report



2022 Financial Report


View a copy of our 2022 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


David Albertson

Vice Chairman

Zeek Ojeh


Libby Bissa


Kimberly Baldwin


Jeffrey Barton


Tim Black


Cathleen Gleason


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


John Bushko

Manny Verdugo

Sarah Freeman

Charles Carter

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