Find out what makes us unique and discover why banking locally in Arizona can help you reach your goals!
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!
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.
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.
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.
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.
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.
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
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.
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.
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!
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!
The CardPowerTM app allows you to turn your Visa® cards off or on, set up alerts, and create other personalized controls.
Members Across Arizona
(as of September 2022)
Branches and ATMs with Member Access
Second Quarter 2023
Besides being a great place for your everyday banking, our not-for-profit business model allows us to return surplus capital to you through competitive rates on loans and deposits, lower fees, and exclusive member benefits. In other words, as a locally-operated financial cooperative owned by our members, we exist to serve you.
Safety & soundness
Arizona Financial remains on solid financial ground. Unlike some recent banks that have failed, Arizona Financial is not overly exposed to any one industry. The consumer and business members we serve work and operate in hundreds of sectors. The loans we make are strategically spread out by category – 40.3% consumer, 26.3% residential, and 33.3% commercial – to ensure diversification and minimize risk.
In addition, deposits are federally insured up to at least $250,000 by the National Credit Union Administration. We remain steadfast in our commitment to ensuring the safety and security of your money.
Benefits of membership
Are you making the most of your membership? Whether you're new to Arizona Financial or have been with us for a while, we would like to remind you of all the amazing services and benefits available to you as a member.
In our latest issue of Momentum, we’re highlighting the benefits of being a member of Arizona Financial.
We also invite you to tell your family, friends and neighbors about the value of your credit union membership, because banking locally supports a strong community.
Thank you for the trust you place in us. Our member-owners are the only reason Arizona Financial exists, and it is a privilege to serve you.
Amy L. Hysell
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.
View a copy of our 2022 Annual Report
View a copy of our 2022 Financial Audit
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.
When reaching out to the Board of Directors, please complete the contact form and specify if you're directing your inquiry to a specific director. Please include your:
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.
We work to better the lives of our members, and employees: real people from all walks of life. We invite you to explore open positions and become a member of the Arizona Financial family!Learn More
Arizona Financial is not only a provider of consumer and small business banking services, we’re also dedicated to making a difference in the communities we serve by supporting local nonprofits across Arizona.Learn More
Get your account up and running by signing up for online and mobile banking, activating your Visa® cards, and learning about other helpful money management tools like Zelle®, and mobile deposit. It's all here in the Member Resource Center.Learn More