High-Yield Savings: Earn up to 3.75%*

With our High-Yield Savings Account, you can grow your money risk-free with a premium rate, no monthly fee, and the flexibility to access your money when you need it.  Make the most of your tax refund this year, open an account today.

* Annual Percentage Yield. See rates table for details.

Open An Account

What You'll Need to Open Your Savings Account

Opening your High-Yield Savings Account is easy, secure and convenient at any of our branch locations. 

Here's what you'll need:

  • Initial opening deposit of $10,000.
    (You may bring a check, or our staff can assist you with transferring funds from another financial institution.) 
  • Valid driver's license, state ID card, or passport.

Please remember, both the applicant and any joint owners' identities will be verified as part of the account opening process. You understand and agree that the USA PATRIOT Act of 2001 obligates all persons seeking to open an account to fully comply with the identity verification requirements of the Bank Secrecy Act, as amended from time to time. Transactions to/from any accounts may be limited until ID verification of all applicable persons is completed.

Open An Account
Woman-On-Phone
Couple-Shaking-Hands-With-Banker

High-Yield Savings Account Features

Our High-Yield Savings Account rewards you with a higher rate of interest so you can grow your savings faster. It's is a safe way to invest your money while keeping your funds easily accessible. 

Open An Account
Opening Deposit

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.

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.

Savings Account Rates

It's never too early, or too late, to start saving. With a minimum of only $25 to earn dividends, you can easily put your savings to work!
Account Name
Minimum to
Earn APY*
Dividend
Rate
APY*
Account Name
Basic Savings
Minimum to
Earn APY*
$25
Dividend
Rate
0.20%
APY*
0.20%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$10,000
Dividend
Rate
3.20%
APY*
3.25%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$500,000
Dividend
Rate
3.30%
APY*
3.35%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
3.50%
APY*
3.55%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$2,000,000
Dividend
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:

Savings Account Resources

Calculator

How Long Until I Reach My Savings Goal?

Setting a goal and making that commitment to reaching is rewarding. See how long it will take you to reach your savings goal.

Find Out
Blog Post

5 Reasons to Use a Credit Union Instead of a Mega Bank

When it comes to managing your finances, the choice between a big bank and a local credit union can be a game-changer.

Read More
Blog Post

What are the Benefits of a CD Ladder?

While Certificates of Deposit can offer a reliable source of income for a set period, they may present some flexibility issues. Learn how a CD ladder can help overcome that concern.

Read More

Frequently Asked Questions

What is a High-Yield Savings Account?

A High-Yield Savings Account is a type of savings account that offers a higher interest rate than a traditional savings account. This means you can earn more money on your savings.

Are there fees associated with a High-Yield Savings Account?

Our High-Yield Savings Account has no fees, while other banks may have fees for things like ATM withdrawals or monthly maintenance. It's important to compare different accounts and fees before you open one.

How often can I withdraw money from a High-Yield Savings Account?

Our High-Yield Savings Account allows you to make as many withdrawals as you want. However, some banks may have limits on the number of withdrawals or ATM fees.

Is it worth it to have a High-Yield Savings Account?

Whether or not it is worth it to have a High-Yield Savings Account depends on your individual circumstances. If you have a large amount of money to save, then a High-Yield Savings Account can help you earn more interest. However, if you need to access your money frequently, then a High-Yield Savings Account may not be the best option for you.

How much will $10,000 earn in a High-Yield Savings Account?

The amount of interest you earn on $10,000 in a High-Yield Savings Account will depend on the interest rate of the account. For example, if the interest rate on the account is 4.15% APY, you could earn $415 in interest on $10,000 in one year. Please remember, rates are on most savings accounts are subject to change at any time. In comparison, a Certificate of Deposit has a fixed rate for a specific period of time (e.g., 6 months, 12 months, etc.).