Earn more with a Money Market Account

Watch your savings grow faster while enjoying hassle-free access to your money when you need it.

Money Market Rates

The 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
0.75%
APY*
0.75%
Minimum to
Earn APY*
$25,000
Dividend
Rate
1.24%
APY*
1.25%
Minimum to
Earn APY*
$50,000
Dividend
Rate
1.98%
APY*
2.00%
Minimum to
Earn APY*
$250,000
Dividend
Rate
2.72%
APY*
2.75%
Minimum to
Earn APY*
$500,000
Dividend
Rate
2.96%
APY*
3.00%
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
3.20%
APY*
3.25%
Effective March 1, 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:

young woman sitting while looking at her money market account on tablet

Money Market Account Features

Investing your savings in an Arizona Financial Money Market Account is a great way to keep your funds accessible while enjoying higher returns.

Low Opening Deposit

With just $2,000 you can open your Market Money Account and start enjoying the benefits of this tiered savings option.

Guaranteed Dividends

Watch your savings grow with confidence knowing your returns are guaranteed and insured for up to $250,000 by the NCUA.

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.

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What is a Money Market Account?

A Money Market Account may appear similar to a Savings Account, but there are core differences. Money Market Accounts typically require a higher minimum opening deposit and commonly feature a higher rate of return making it easier to reach your financial goals. 

A Money Market Account is Flexible.

young girl painting a wall while sitting on fathers shoulders
  1. Home Improvements

    Start saving for your next renovation or plan for household repairs.

  2. Emergency Savings

    Have your three to six months of savings accessible in case you need it quickly.

  3. Hold Distributions

    Hold your retirement distributions and know they are safe.

  4. A Rainy Day

    Save for your next small adventure or an unexpected expense.

Money Market Resources

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What You Need to Know: Individual Retirement Accounts (IRAs)

When it comes to retirement accounts, 401(k) plans seem to hog the spotlight, but they aren't the only thing out there in the retirement planning world. Explore IRAs and their benefits.

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How Much Will I Need To Save For Retirement?

Start planning now to ensure you are able to maintain your lifestyle and retire at your desired age.

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Unexpected Emergency: Wills & Managing Money Issues

Life can change in an instant. Tragedy can be overwhelming, but don't set yourself up to struggle by avoiding conversations about finances and wills before it's too late.

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I'm Retired, How Long Will My Savings Last?

Use this calculator to help determine how long your retirement savings will last.

Calculate

Frequently Asked Questions

Can I open a Money Market, Savings Account or Certificate online?

Yes! If you’re an existing Arizona Financial member, you can add a Money Market, Savings Account, or Savings 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.