A Business Certificate sets you up to earn more on excess capital

When you're looking for flexibility while operating your business, Arizona Financial Certificate options give you competitive rates no matter what your savings needs.

To open a Business Certificate Account, schedule an appointment at a local branch or call us at 602-683-1000.

Business Certificate Rates

Competitive rates to help you meet your business goals.
Term
Minimum to Earn APY
Dividend Rate
Annual Percentage Yield (APY)
Term
6 Months
Minimum to Earn APY
$1,000
Dividend Rate
1.49%
Annual Percentage Yield (APY)
1.50%
Term
12 Months
Minimum to Earn APY
$1,000
Dividend Rate
1.74%
Annual Percentage Yield (APY)
1.75%
Term
18 Months
Minimum to Earn APY
$1,000
Dividend Rate
1.98%
Annual Percentage Yield (APY)
2.00%
Term
24 Months
Minimum to Earn APY
$1,000
Dividend Rate
2.08%
Annual Percentage Yield (APY)
2.10%
Term
36 Months
Minimum to Earn APY
$1,000
Dividend Rate
2.37%
Annual Percentage Yield (APY)
2.40%
Term
48 Months
Minimum to Earn APY
$1,000
Dividend Rate
2.47%
Annual Percentage Yield (APY)
2.50%
Term
60 Months
Minimum to Earn APY
$1,000
Dividend Rate
2.57%
Annual Percentage Yield (APY)
2.60%
Effective November 22, 2022

APY = Annual Percentage Yield. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Withdrawal of dividends prior to maturity will reduce your earnings. Certificates that renew automatically will receive the rate in effect on the date of renewal. There is a 10-day grace period at maturity. Non-renewals do not earn dividends after maturity. You have agreed to leave the principal of this account on deposit for the full term stated on your Certificate deposit receipt. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty. Withdrawals resulting in a balance less than the required minimum must be closed. Penalty amounts may exceed earnings.

APY = Annual Percentage Yield. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Withdrawal of dividends prior to maturity will reduce your earnings. Certificates that renew automatically will receive the rate in effect on the date of renewal. There is a 10-day grace period at maturity. Non-renewals do not earn dividends after maturity. You have agreed to leave the principal of this account on deposit for the full term stated on your Certificate deposit receipt. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty. Withdrawals resulting in a balance less than the required minimum must be closed. Penalty amounts may exceed earnings.

Flexible Terms & Competitive Rates Help
Your Capital Grow With Minimal Risk

savvy business owner keeping track of excess capital from her successful design firm
  1. Low Initial Investment

    Open your Business Certificate with as little as $1,000.
  2. Short & Long-Term Options

    Choose terms ranging from 6 months to 5 years.
  3. Safety & Security

    Your funds are federally insured up to at least $250,000.

To Open a Business Certificate Account


During Business Hours: Call Arizona Financial at 602-683-1000 or visit a local branch near you.

Frequently Asked Questions

What is the requirement for Arizona Financial to serve my business?

For Arizona Financial to serve a business, the business must be within our field of membership as described below. Please call us if you have any questions and we’ll be happy to help.

Arizona Financial's field of membership includes Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai and Yuma counties.

Immediate family or individuals in the same household of a current member are eligible.

Individuals who have made a donation of at least $15 to Local First Arizona are eligible.

A business must meet one of the following field of membership requirements:

  • The known place of your business is within our field of membership.
  • The business has a substantial physical presence or substantially serves the residents within our field of membership.
    • This usually means that at least 51% of physical locations or revenue are within our field of membership.
  • All members, managers and/or officers live, work, or attend school within our field of membership.
What are the business eligibility requirements to open a business account?

We can serve most businesses who answer no to the questions below.

  • Does your business remotely create checks (checks without signatures)?
  • Is your business a money service business, engaging in any of the following:
    • Check cashing
    • Issuing money orders or traveler’s checks
    • Owns or operates an ATM
    • Issues pre-paid cards
    • Currency dealer or exchange
  • Does your business engage in marijuana related services?
  • Does your business provide correspondent banking services?
  • Is your business illegal under Federal and/or State law?
  • Does your business deal with gaming or gambling services?
  • Will the account be used to hold the funds for election, re-election or a political action committee?