Earn more with
New Higher Rates

Invest in our Money Market Account or High-Yield Certificates of Deposit – get peace of mind & a guaranteed rate of return.

For a limited time, earn up to 4.50% APY*

Open a Certificate
Open a Money Market

Certificate of Deposit

A safe way to invest your savings at a higher rate than a typical savings account, plus you'll get a guaranteed rate of return. 
Open an Account
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Flexible Terms

For our best Certificate rates, choose from terms of 9 or 11 months. Other rates and terms.

 

Guaranteed Growth

Your earnings are guaranteed as long as your funds remain for the full term you select.

High-Yield Certificate of Deposit (CD) Rates

These are the best Certificate rates that Arizona Financial has to offer! Our convenient terms and high-yield rates make investing in your future an easy decision. Act fast – this is a limited time offer!
Term
Minimum to
Earn APY*
Dividend
Rate
APY*
Term
9 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.98%
APY*
4.05%
Term
9 Months
Minimum to
Earn APY*
$500,000
Dividend
Rate
4.07%
APY*
4.15%
Term
9 Months
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
4.17%
APY*
4.25%
Term
11 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
4.17%
APY*
4.25%
Term
11 Months
Minimum to
Earn APY*
$500,000
Dividend
Rate
4.31%
APY*
4.40%
Term
11 Months
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
4.41%
APY*
4.50%
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 If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty.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 CD Today:
young woman sitting while looking at her money market account on tablet

Money Market Account

Watch your savings grow faster – and get quick access to your money when you need it.

Open An Account
Convenient Access

Access your Money Market Account through convenient checks or transfers within online banking or the mobile app.

Competitive Money Market Rates

Earn competitive rates and enjoy flexible tiers allowing you to invest as little or as much as you want.

Money Market Rates

Our best Money Market rates with guaranteed dividends make this account an easy option for members looking for accelerated growth.
Minimum to
Earn APY*
Dividend
Rate
APY*
Minimum to
Earn APY*
$1,000
Dividend
Rate
0.50%
APY*
0.50%
Minimum to
Earn APY*
$25,000
Dividend
Rate
1.00%
APY*
1.00%
Minimum to
Earn APY*
$50,000
Dividend
Rate
1.49%
APY*
1.50%
Minimum to
Earn APY*
$250,000
Dividend
Rate
2.23%
APY*
2.25%
Minimum to
Earn APY*
$500,000
Dividend
Rate
2.48%
APY*
2.50%
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
2.72%
APY*
2.75%
Effective December 2, 2024

*APY – Annual Percentage Yield. Minimum opening deposit is $2,000. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings. Monthly service fee is $15 if daily balance drops below $2,000. Minimum balance to earn APY is $1,000.

*APY – Annual Percentage Yield. Minimum opening deposit is $2,000. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings. Monthly service fee is $15 if daily balance drops below $2,000. Minimum balance to earn APY is $1,000.

Open Your Money Market Account:

Open online, in the mobile app, or schedule an appointment.

To request to open a Certificate of Deposit (CD) or Money Market Account – log in to online banking or the mobile app. Get started below. 

1
Online Banking
Log in to online banking, select Additional Services, click on Secure Forms and then click on Open Additional Accounts.
Get Started
2
Mobile App
Log in to mobile the app, from the More menu, scroll to Contact Us and select Secure Email to send a message with your request. 
Get Started
3
Schedule an Appointment

Schedule an appointment at one of our local branches to open your account. 

Schedule

Frequently Asked Questions

Can I open a Money Market Account or Certificate of Deposit online?

Yes! If you’re an existing Arizona Financial member, you can add a Money Market Account or Certificate through online banking:

  • Log in to your online account from a desktop or laptop (this form is not currently available in the mobile app).
  • Click on “Additional Services” from the blue bar at the top of the page.
  • Select “Secure Forms” from the options provided.
  • Select “Open Additional Accounts”.
  • Fill out the form with your request and we’ll take it from there.
  • The new account will be opened within 2 business days.

For a more personalized touch, stop by one of our branch locations or schedule an appointment to open an account with one of our representatives.

Is there a monthly fee associated with your Money Market Account?

There is no monthly fee as long as you maintain a minimum daily balance of $2,000. If your balance falls below that amount, there is a fee of $15 per month.

Is my money insured?

Yes, your funds are federally insured up to $250,000 per depositor by the National Credit Union Administration (NCUA), a U.S. Government agency. Visit the NCUA website to review the NCUA's Insurance FAQs and Share Insurance Estimator.

How can I access the funds in my Money Market Account?

Our Money Market Account includes the ability to write checks for added convenience. You can also access your funds through online banking and the mobile app for quick transfers to your other accounts. 

How can I take advantage of these special deposit rates?

To open Money Market Account or a 9- or 11-month High-Yield Certificate, stop by one of our branch locations. For added convenience, make an appointment for the day and time that fits your schedule.

If you're already a member, you can request to open a Money Market Account or Certificate inside online banking or the mobile app.   

Is there a penalty for closing a Certificate early?

If you wish to withdraw the funds in your Certificate of Deposit prior to the end of the term, Arizona Financial may charge a penalty amount equal to 90 days of dividends for terms of 12 months or less, 180 days of dividends for terms of 18 to 48 months, and 270 days of dividends for terms of 60 months. 

Do you offer Certificates at any other terms besides 9 and 11 months?

Yes, we do. For more information about our other CDs, including current rates and terms, visit our Certificates of Deposit page.