With a deposit of $10,000 to open your Arizona Financial High-Yield Savings Account, you’ll enjoy earning higher returns from a financial services provider you can trust.
Make Your $$$, Earn More $$$
Generate higher returns for your small business – without the risk.
PICK YOUR OFFER to learn more:
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High-Yield Savings: Earn up to 3.75%*
Our High-Yield Savings Account rewards you with a higher rate of return so you can make the most of excess funds. It's is a safe way to invest your money while keeping your funds easily accessible.
Opening Deposit
Convenient Access
Access your High-Yield Savings Account at one of our local branches, or quickly transfer funds within online banking or the mobile app.
Guaranteed Dividends
Watch your savings grow with confidence knowing your funds are guaranteed and insured up to $250,000 by the NCUA.
We're Here for You
You can rest easy knowing we're here to help you reach your financial goals, not outside stockholders or investors. In fact, we've been serving Arizona since 1936.
Business Savings Account Rates
Earn dividends when you maintain a balance of $25 or more in your Business Savings Account.
Account Name
Minimum to
Earn APY*
Earn APY*
Dividend
Rate
Rate
APY*
Account Name
Business Basic Savings
Minimum to
Earn APY*
Earn APY*
$25
Dividend
Rate
Rate
0.20%
APY*
0.20%
Account Name
Business High-Yield Savings
Minimum to
Earn APY*
Earn APY*
$10,000
Dividend
Rate
Rate
3.20%
APY*
3.25%
Account Name
Business High-Yield Savings
Minimum to
Earn APY*
Earn APY*
$500,000
Dividend
Rate
Rate
3.30%
APY*
3.35%
Account Name
Business High-Yield Savings
Minimum to
Earn APY*
Earn APY*
$1,000,000
Dividend
Rate
Rate
3.50%
APY*
3.55%
Account Name
Business High-Yield Savings
Minimum to
Earn APY*
Earn APY*
$2,000,000
Dividend
Rate
Rate
3.69%
APY*
3.75%
Effective December 2, 2024
* APY – Annual Percentage Yield. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings. No minimum opening deposit is required.
* APY – Annual Percentage Yield. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings. No minimum opening deposit is required.
Open Account:
High-Yield CDs:
Earn up to 4.50%**
With competitive rates and guaranteed returns, a Certificate of Deposit can get you closer to your business goals. It's a great option for small business owners looking to invest with none of the risks, but all of the rewards!
Flexible Terms
Choose terms ranging from 6 months to 5 years. Select the term that works best with your business needs.
Guaranteed Growth
Your earnings are guaranteed as long as your funds remain for the full term you select.
Low Opening Deposit
With as little as $1,000, you can open an Arizona Financial Certificate account and enjoy a risk-free investment.
Federally Insured
Your funds are federally insured up to at least $250,000 per depositor.
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
3.93%
Annual Percentage Yield (APY)
4.00%
Term
9 Months
Minimum to Earn APY
$1,000
Dividend Rate
3.98%
Annual Percentage Yield (APY)
4.05%
Term
9 Months
Minimum to Earn APY
$500,000
Dividend Rate
4.07%
Annual Percentage Yield (APY)
4.15%
Term
9 Months
Minimum to Earn APY
$1,000,000
Dividend Rate
4.17%
Annual Percentage Yield (APY)
4.25%
Term
11 Months
Minimum to Earn APY
$1,000
Dividend Rate
4.17%
Annual Percentage Yield (APY)
4.25%
Term
11 Months
Minimum to Earn APY
$500,000
Dividend Rate
4.31%
Annual Percentage Yield (APY)
4.40%
Term
11 Months
Minimum to Earn APY
$1,000,000
Dividend Rate
4.41%
Annual Percentage Yield (APY)
4.50%
Term
12 Months
Minimum to Earn APY
$1,000
Dividend Rate
3.69%
Annual Percentage Yield (APY)
3.75%
Term
18 Months
Minimum to Earn APY
$1,000
Dividend Rate
3.45%
Annual Percentage Yield (APY)
3.50%
Term
24 Months
Minimum to Earn APY
$1,000
Dividend Rate
3.20%
Annual Percentage Yield (APY)
3.25%
Term
36 Months
Minimum to Earn APY
$1,000
Dividend Rate
2.72%
Annual Percentage Yield (APY)
2.75%
Term
48 Months
Minimum to Earn APY
$1,000
Dividend Rate
2.72%
Annual Percentage Yield (APY)
2.75%
Term
60 Months
Minimum to Earn APY
$1,000
Dividend Rate
2.72%
Annual Percentage Yield (APY)
2.75%
Effective December 2, 2024
** 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. Fees may reduce 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. Fees may reduce earnings.
Open a Certificate of Deposit Today:
Aligned with your
Business Banking Needs
As a local credit union, Arizona Financial offers a full suite of accounts and services to support the unique needs of Arizona's small businesses.
-
Local Service
We're here to serve you with 20 branch locations and a dedicated team of business banking professionals.
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Online & Mobile Banking
Convenient 24/7 access to your accounts because we know business never stops.
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Treasury Management
Get more done with integrated banking solutions – like payments, receivables, sweep accounts & more.
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Loans & Credit Cards
SBA, commercial real estate, equipment loans & business credit cards to keep your business humming.
As a small business owner, I appreciate being able to do business with a local credit union that is business-friendly. Arizona Financial definitely is!
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Arizona Financial Business MemberSavings Account Resources
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Read MoreFrequently Asked Questions
What's the difference between a bank and a credit union?
A bank is a financial institution that makes decisions on behalf of investors and shareholders. A credit union is a not-for-profit financial cooperative that is owned by its members.
Is my money insured?
Your funds are federally insured up to $250,000 per depositor by the National Credit Union Administration (NCUA). Visit the NCUA website to access the NCUA's FAQs and Share Insurance Estimator.
How do I qualify for membership?
You're eligible to open an account with us if you live, work, worship, attend school, or regularly conduct business in one of the follwing Arizona counties:
- Coconino
- Gila
- La Paz
- Maricopa
- Mohave
- Navajo
- Pima
- Pinal
- Yavapai
- Yuma
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.