Why you should
Bank Local

Move your money to Arizona Financial for a better banking experience local service, local decisions and everything the big banks offer – only better. 

The Benefits of Banking with
Arizona Financial

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  1. Gets you more for your money

    Our not-for-profit business model results in better rates and fewer fees. We ensure our earnings go back to our members, not out-of-state stockholders  

  2. Invests in your community

    Arizona Financial supports the community we live in by providing small business loans and banking services for everyday Arizonans. Plus, we give back to local organizations with our community-focused debit card progams

  3. Personalized service

    We don’t have millions of account holders to serve. Our accounts, products and services are designed with you in mind. 

  4. Combines local branches with access to your money everywhere

    Local doesn’t mean limited. When you bank with Arizona Financial, your money is easy to access with branches across Arizona, convenient mobile apps, and nationwide branch and ATM networks. 

  5. Creates jobs & grows the local economy

    We employ hundreds of team members across Arizona. Our employees live & shop in the communities we serve. They spend most of their paychecks right here. 

man with beard sitting on couch looking at the features of a checking account on his mobile phone

Numbers Don’t Lie

As not-for-profit financial institutions, credit unions are in business to serve their members, not stockholders or other outside interests.  
Superior Service

96% of credit union members favor their experience over a bank.1

More Interest

On average, you’ll earn more interest on your savings compared to banks.1

Lower Loan Rates

Local credit unions consistently beat the loan rates of large national banks1.

Your Money is Safe

Members deposits are federally insured up to at least $250,000 by the National Credit Union Administration. 

1Statistics and information from Your Money Further and the National Credit Union Administration

Checking Plus Rates

The Checking Plus Account is available for all eligible members. We also offer Teen Checking and Young Adult Checking for members of eligible age.
Minimum to Earn APY
Dividend
Rate
APY*
Minimum to Earn APY
$25
Dividend
Rate
0.06%
APY*
0.06%
Minimum to Earn APY
$1,000
Dividend
Rate
0.10%
APY*
0.10%
Minimum to Earn APY
$10,000
Dividend
Rate
0.12%
APY*
0.12%
Minimum to Earn APY
$25,000
Dividend
Rate
0.15%
APY*
0.15%
Effective May 1, 2024

*Annual Percentage Yield. Minimum opening deposit is $20. Qualifying transactions to waive $3 monthly Checking Plus fee include 10+ debit/credit card purchases, ACH deposits and withdrawals (e.g., direct deposit, automatic bill pay), and checks written and cleared from your account per month. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.

*Annual Percentage Yield. Minimum opening deposit is $20. Qualifying transactions to waive $3 monthly Checking Plus fee include 10+ debit/credit card purchases, ACH deposits and withdrawals (e.g., direct deposit, automatic bill pay), and checks written and cleared from your account per month. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings.

Start Your Checking Account Application:

Accounts & Services for You & Your Family

Arizona Financial offers affordable and convenient accounts, loans and services for your entire family at every stage of life. 

  • Checking Accounts – Everything you need to manage your personal finances, complete with the latest online and mobile banking tools. 
  • High-Yield Certificates – Put your money to work for you with premium rates and the peace of mind knowing your funds are insured up to $250,000. 
  • Debit Cards that Give Back – With our exclusive debit card programs, you can support local nonprofits every time you use your card. 
  • Youth & Teen Savings Accounts – Start your kids on their financial journey with youth accounts and services designed just for them. 
  • Home Loans – Programs for first-time buyers, refinances, construction & lot loans, and home equity loan options. The possibilities are endless. 
  • Visa® Credit Cards – Whether you want low rates or cash back rewards, we’ve got options to meet your needs. 
  • Auto Loans & Car Buying Services – Save time and money with low rates, flexible terms and our member-only car buying service. 
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Accounts & Services for Your Business Accounts

  • Business Checking – Choose from a variety of options to meet your needsfrom basic needs to accounts for businesses with higher transaction volumes.  
  • Treasury Management – Streamline operations and improve cash flow with treasury management services, remote deposit and bankcard services. 
  • SBA LoansAs Arizona’s #1 SBA lender1 and a Preferred Lending Partner, we have the experience to help you find the best program for your needs. 
  • Commercial Loans Funding for equipment, real estate, investments and business expansion. How can we help? 
  • Commercial Insurance – Protect the investments that run your business. Our insurance specialists can you find the right coverage.  options. The possibilities are endless. 

More Resources

Blog Post

Explore Our Current Job Openings

We work to better the lives of our members and employees: real people from all walks of life. We invite you to explore open positions and become a member of the Arizona Financial family!

Learn More