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

Second Quarter 2024

Spring, a time for growth & change

Spring has definitely sprung, and I hope you have been enjoying our beautiful Arizona weather. Since the start of the year, our teams have been busy in service to you. As a member-owned financial cooperative, our members are at the core of everything we do, and I’m happy to share the latest news from your credit union.

Branch updates

Branches continue to be an important part of our service strategy. We know members (and potential members) like having a local branch nearby. Operating branches can be costly, and while it’s not possible to have a location on every corner, we remain thoughtful in our approach to balance member convenience with our not-for-profit business model.

New locations. As I announced last quarter, we are targeting the southeast Valley for our next branch location, but we continue to look throughout metro Phoenix for additional opportunities. I will keep you posted when we have more to announce. 

Phoenix Biltmore & Colonnade branches. As early as May 31, we will be closing our Phoenix Biltmore Branch located at 2200 E. Camelback Road, Suite 108. Fortunately, our Colonnade Branch is located just ½ mile away. Our intention had been to consolidate these locations into a single, larger branch, but availability is constrained in this popular area. With the lease set to expire on the Biltmore location, it made most sense to close that branch as we continue to search for other options nearby. All employees at the Biltmore branch will be transferred to other locations.

Business Solutions Center

Small businesses continue to play a vital role in our local economies, and Arizona Financial remains committed to serving their banking needs. We know each small business has unique needs and may require additional support when opening and managing their accounts. With that in mind, we’re excited to announce the launch of our Business Solutions Center – a dedicated staff of business banking experts who are available to provide one-on-one support to our small business members. To reach a member of the Business Solutions Center, please call 602-683-1000 and select option 2.

Advocacy in action

In early March, a team of Arizona Financial employees visited Washington D.C. to participate in the Governmental Affairs Conference sponsored by America’s Credit Unions – a national trade association serving credit unions and their members.

During their time in D.C., our team and 6,000 other credit union advocates from across the country met with legislators to discuss important issues like preserving the credit union tax status, protecting overdraft services that provide members an alternative to predatory lending services like payday and auto title loans, and expanding opportunities to allow credit unions to serve areas with a low-income designation.

We will continue to ensure our voices are heard so we can maintain a vibrant and healthy credit union network to serve the financial needs of our members and the community. In the end, we only exist 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.


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


Debora 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

Contact the Arizona Financial Supervisory Committee

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