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 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 2023)


Branches and ATMs with Member Access

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

Third Quarter 2023

Welcome to Free Checking

If you haven’t heard the news, we’re excited to announce the introduction of Free Checking. If you already have a personal checking account with us, there’s nothing for you to do – this change is automatic.

Our Free Checking means no monthly service fee and no minimum balance. Plus, you get access to free identity protection services, your free quarterly credit report and credit score, built-in account protection tools like the CardPowerTM app, and the convenience of mobile banking and 24/7 member support.

Please note other fees may apply, like stop payment fees, non-sufficient funds fees, out-of-network ATM fees, and overdraft privilege services.

Tell your family & friends for a $200 bonus!

We need your help! Please share the news of our Free Checking Account with your family and friends. For a limited time, new members who open a Free Checking Account can receive a $200 bonus when they complete 10 debit card transactions within the first 45 days. See for requirements and terms and conditions.

In remembrance of Kelvin Smith

It is with deep sadness the Arizona Financial family mourns the passing of long-time Board Member Kelvin Smith.

Kelvin joined the Board of Directors in 1997 and proudly represented the interests of our members for 27 years. He was a strong advocate for small business owners and always ensured their interests were represented in key discussions.

We will miss him dearly and are grateful for his countless contributions over his many years of volunteer service.

Debit cards that make a difference

Did you know every time you use your Local Causes, 100 Club of Arizona, or Arizona Humane Society Visa® debit card, you’re helping to make a difference in your community?

With every purchase made with one of these cards, Arizona Financial makes a contribution to local nonprofits to help support programs for first responders, animal welfare, education, equality/social inclusion, children and youth, sustainability, and community services.

These cards are only available at Arizona Financial. Stop by your local branch to get your debit card or visit to learn more.

Thank you for being a member

As always, I would like to express my thanks and gratitude for the trust you place in Arizona Financial. As a not-for-profit, member-owned financial cooperative, our members are the only reason we exist. It is a privilege to serve you.

Amy L. Hysell

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


Jennifer Genga


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

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