Introducing
Loyalty Rewards & Relationship Discounts

Good things are coming your way – including exclusive perks to thank you for being part of the Arizona Financial family! 

Relationship Discounts
Loyalty Rewards

Relationship Discounts

When you choose us for your banking and lending needs, you’ll get rewards based on your combined loan and deposit account balances. 

 

Get loan rate discounts* on select new loans including:

  • New & used auto purchase loans
  • Auto loan refinances
    (non-AZFCU loans)
  • Closed-end home equity loans
Combined Account Balances
(Loans & Deposits)
Loan Rate Discount
$25,000
0.25% 
$50,000
0.50% 
$100,000
1.00% 

* Relationship Discounts Terms & Conditions

Loan rate discounts apply only to eligible consumer closed‑end loans. Existing AZFCU loans are not eligible for refinance discounts. Eligibility for Relationship Discounts is determined using your combined loan and deposit balances as of your loan application date. Loyalty Discounts are based on your length of membership.

Discounts may be stacked when applicable; however, the combined discounts cannot reduce your interest rate below the loan’s floor rate, and some promotional offers may not be combined. Discounts available through third‑party programs (such as car‑buying or insurance partners) may have additional limitations or eligibility requirements. All loans are subject to credit approval. Program terms, eligibility criteria, and rate floors are subject to change without notice.

young-woman-on-laptop

Loyalty Rewards

Our Loyalty Rewards program begins on your 1-year membership anniversary – regardless of your account or loan balances. 
See Your Discounts
Special anniversary gift

During the month of your milestone anniversary (1, 5, 10 years), we’ll send you a postcard and email with instructions on how to select the anniversary gift of your choice.

Valuable discounts
You’ll get perks such as fee waivers, refunds, loan rate discounts, and discounts on financial services, depending on your milestone anniversary (1, 5 and 10-years).

Loyalty Rewards

To thank you for the trust you place in Arizona Financial, we're saying thanks with valuable fee waivers, refunds and discounts to show our appreciation for your loyalty. 

1-Year Loyalty Rewards

  • Fee Waivers
    > ATM fee (up to 5 per month)1

  • Fee Refunds
    > Overdraft or Insufficient Funds fee (1 every 12 months)2

  • Services
    > $50 off any Wills or Trusts package3

5-Year Loyalty Rewards

  • Fee Waivers
    > ATM fee (up to 6 per month)1

    > Paper Statement fee

    > Incoming Wire fee (1 per month)

    > Outgoing Wire fee (1 per month)

    > Stop Payment fee (1 per month)

  • Fee Refunds
    > Overdraft or Insufficient Funds fee (2 every 12 months)2

    > Cashier’s Check fee (1 per month)

  • Loan Discounts
    > 0.25% rate discount on select new loans4

    > $500 credit on residential loan closing costs

  • Services
    > $75 off any Wills or Trusts package3

10-Year Loyalty Rewards

  • Fee Waivers
    > ATM fee (up to 8 per month)1

     
    > Paper Statement fee      

    > Incoming Wire fee (2 per month)

    > Outgoing Wire fee (2 per month) 

    > Stop Payment fee (3 per month)

  • Fee Refunds
    > Overdraft or Insufficient Funds fee (2 every 12 months)2

    > Cashier’s Check fee (4 per month)

    > Box of Checks (1 every 12 months)

  • Loan Discounts
    > 0.50% rate discount on select new loans4

    > $1,000 credit on residential loan closing costs 

  • Services
    > $100 off any Wills or Trusts package3

Loyalty Rewards Disclosures

1 Out-of-network ATM fee of $2 for each withdrawal at non-Arizona Financial ATMs. Does not include fees assessed by the ATM owner. 

2 Please contact us to request a refund of an Overdraft or Insufficient Funds fee. You may request a refund in person at a branch, by sending a message through online banking or the mobile app, or calling 602-683-1000.

3 Ask a banker for your discount code.

4 Refer to Relationship Discounts section for terms & conditions for loan discounts. 

Frequently Asked Questions

What’s the difference between Loyalty Rewards & Relationship Discounts?

Our Loyalty Rewards program recognizes you based on your length of membership. Your rewards start after 1 year of membership and grow in value at your 5-year and 10-year anniversaries. 

  • Rewards include fee waivers, refunds, and loan rate discounts. 
  • You’ll also be eligible to receive a special anniversary gift on your milestone anniversaries (1 year, 5 year, 10 year, etc.) as our way of thanking you for your membership. 

Our Relationship Discounts program recognizes your valuable contribution to our credit union through your combined loan and deposit account balances with us. 

  • 0.25% rate discount on select new loans with combined loan and deposits of $25,000+ 
  • 0.50% rate discount on select new loans with combined loan and deposits of $50,000+ 
  • 1.00% rate discount on select new loans with combined loan and deposits of $100,000+ 

Existing AZFCU loans are not eligible for refinance, new loans only.
  

How do I request my anniversary gift?

During the month of your membership anniversary, you’ll receive a direct mail postcard and an email that will provide instructions on how to select your gift. 

Once you receive instructions on ordering your gift, you’ll have up to 90 days to request your gift.

Can I combine loan rate discounts to get an even lower rate?

Yes! Your eligible loan rate discounts are stackable, subject to the loan rate floor, which is the lowest rate we offer. For example, if you’ve been a member for 10 or more years and have $100,000 or more in loan and deposit account balances, you would be eligible for up to a 1.50% loan rate discount. 

These discounts can also be combined with rate discounts you may receive for using Members Auto Center, our car buying services, and our insurance services.  

How do I request a fee waiver or refund?

In most cases, there’s nothing you need to do! Fee waivers and refunds will be processed automatically at the end of each month. We want to make it easy for you to take advantage of the valuable benefits you’ve earned.  

  • To request a refund of an Overdraft or Insufficient Funds fee, you may request a refund in person at a branch, by sending a message through online banking or the mobile app, or calling 602-683-1000.
How do I get a discount code for a Will or Trust?

Please send us a message through your online account or the mobile app to receive your discount code. You can also call us at 602-683-1000 or stop by a branch to receive your discount code. In addition, we may periodically send you an email with your discount code.   

What do I do to request my loan rate discount?

There’s nothing you need to do! We will automatically apply all your eligible loan rate discounts at the time of loan closing. We want to make it easy for you to take advantage of the valuable benefits you’ve earned.