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!

Eligibility Requirements
Amy's Message

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 175,000 members across Arizona. Become a member and find out what that means for you!

Personal
Business
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 175,000 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, no monthly service fees, and identity protection services on select accounts.

 

Personal Accounts
Business Accounts

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.

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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.

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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!

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Protect your Identity & Credit

Activate ID Protect™ services that include credit report and dark web monitoring to help protect against identity theft and fraud. View your credit report and score every quarter. It's available for members with select checking accounts, at no additional charge!

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Control Your Debit & Credit Cards

Our Card Controls feature, available in online banking and the mobile app, allows you to turn your Visa® cards off or on, set up alerts, and activate other personalized controls to protect your account and your money!

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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.

178K

Members Across Arizona

B+

Assets
(as of April 2025)

35K+

Branches and ATMs with Member Access

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

First Quarter 2026

At Arizona Financial, everything we do starts with you in mind. As we begin 2026, I’m excited to share two new ways we’re saying “thank you” for your trust and membership – Loyalty Rewards and Relationship Discounts – new programs built to deliver meaningful savings and perks across your financial life stages.

Loyalty Rewards recognizes the longevity of your membership

Beginning with your one-year anniversary – and growing again at five and ten years – you’ll receive benefits like fee waivers, loan rate discounts, and discounts on select financial services. During each milestone anniversary, we’ll also invite you to choose an anniversary gift, so your celebration feels personal.

Relationship Discounts offer valuable loan discounts

You may also qualify for additional savings on eligible new consumer loans based on your combined loan and deposit account balances. Loan rate discounts range from 0.25% up to 1.00%, and in many cases, these discounts can be “stacked” with other offers to maximize your savings.

Together, these programs reflect our ongoing commitment: empower you to reach your goals, simplify your finances, and deliver tangible value at every stage of your relationship with us. Visit ArizonaFinancial.org/Loyalty to learn more about these programs.

New branches in Biltmore & Queen Creek

I’m also pleased to share a branch update: our former Colonnade Branch has moved to its new location – now open on the northwest corner of 32nd Street and Camelback Road in the Camelback business corridor. We look forward to welcoming you to this modern, full-service branch with convenient drive-thru and ATM access. Get more details by visiting ArizonaFinancial.org/Biltmore.

We’re also actively working on our branch in Queen Creek, located near Ellsworth and Rittenhouse roads, with an expected opening in late 2026 or early 2027. We look forward to serving members in that area soon.

Thank you for being part of the Arizona Financial family. Your trust inspires us to keep raising the bar for value, service, and innovation – this year and every year.

With gratitude,
Amy L. Hysell

See the latest edition of Momentum for more credit union news and updates.

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.

2024 Annual Report

annual-report-2021 View a copy of our 2024 Annual Report

 

 

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.

David Albertson

Chairman

Libby Bissa

Vice Chairman

Zeek Ojeh

Treasurer

Debora Black

Secretary

Bill Greene

Director

Kimberly Baldwin

Director

Jeffrey Barton

Director

Cathleen Gleason

Director

Jennifer Villalobos

Director

Contact the Arizona Financial Board of Directors

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:

  • First and last name
  • Phone number
  • Email address
  • Purpose of inquiry and indicate the best time to contact you
Someone will reach out to further assist you as soon as possible during regular business hours.

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.

Charles Carter

Chair

Jessica Frary

Sarah Freeman

Manny Verdugo

Contact the Arizona Financial Supervisory Committee

When reaching out to the Supervisory Committee, please complete the contact form and specify if you're directing your inquiry to a specific director. Please include your:

  • First and last name
  • Email address
  • Phone Number
  • Purpose of inquiry and indicate the best time to contact you

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:
 

EMPOWERMENT • EXPERTISE • MUTUAL BENEFIT

 

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

Link

Explore Our Current Job Openings

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!

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Link

Community Involvement Matters To Us

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.

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Link

Member Resource Center

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.

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