All AZ, No BS

There's no BS (Banking Surprises) when you choose Arizona Financial – just straightforward banking options delivered with friendly, local service.

PICK YOUR OFFER to learn more:

Free Checking + $200
High-Yield Savings
High-Yield CDs
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Free Checking +
$200 Bonus Offer

That's right, we're calling BS on Banking Surprises. When you open a Free Checking Account1 with Arizona Financial, you can count on 24/7 easy mobile banking, no monthly service fee, access to nearly 30,000 surcharge-free ATMs nationwide, and we'll even give you a $200 bonus2 just for signing up!
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No-Fee Checking

Free really does mean free at Arizona Financial. That's why there's no monthly service fee for our Checking Plus Account.1

No Minimum Balance

Open your Checking Plus Account today with a $20 deposit. After your account is open, there 's no minimum balance requirement. It's your money, your way.

Instant Issue Debit Cards

Experience banking that combines convenience with a personal touch! Receive your new Visa® debit card at any of our branch locations for immediate access to your account. 

Enhanced Security Features

With the CardPowerTM app you can easily switch your debit card on or off. You can also limit where and how your card is used. The power to control your card is in the palm of your hand.

Free Checking Benefits
ALL AZ, NO BS!

  1. Free Identity Protection

    You get credit monitoring, fraud reimbursement, and access to your credit report and score every 90 days.

  2. Built-In Security Features & Tools

    You get built-in security features and access to money management tools to help with budgeting and spending.

  3. Pay With Zelle

    Easily pay or send money with Zelle and access 30,000 surcharge-free ATMs nationwide.

Open Your Free Checking Account

For our $200 offer use promo code: FREE2024
Bonus Information: To qualify for $200 bonus, you must: (1) open a Checking Plus Account, (2) within 60 days of account opening, establish recurring direct deposit(s) with a combined total of $1,000 or more per month, and (3) have an account balance of $500 or more on the 60th day after the account is opened.

Eligibility: Must be 18 years of age or older and a brand new member with no existing primary account relationships with Arizona Financial. Current joint account owners may qualify by opening a new account as the primary member/owner. Former members may qualify as a new member if previous accounts were closed 12 or more months prior to new open date. Must meet membership eligibility requirements and present a valid promotional code at time of account opening.

Important Information: Direct deposit must be an electronic deposit of your paycheck, investment account, pension, or government benefits (such as Social Security) from your employer or government agency. Person to Person payments (such as Zelle, Venmo or PayPal) are not considered direct deposit. Bonus will be deposited to your Checking Plus Account approximately 75 days after account opening if all requirements are met and member is in good standing at time of payout. All bonuses are considered income and may be reported on IRS Form 1099-MISC. This promotion cannot be combined with any other offers. Limit one new member bonus per person. Business, indirect borrower, fiduciary, and voting accounts do not qualify. Terms and conditions subject to change without notice. Offer may expire at any time. 

Account Closure: If the checking account is closed by the member or Arizona Financial Credit Union within 6 months after opening, the bonus amount will be deducted from the account at closing.
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High-Yield Savings: Earn up to 3.75%*

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

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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.

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High-Yield CDs:
Earn up to 4.50%**

With competitive rates and guaranteed returns, a Certificate of Deposit can get you closer to your financial goals. It's a great option for those looking to invest with none of the risks, but all of the rewards!
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Flexible Terms

Choose terms ranging from 6 months to 5 years. Select the term that works best with your financial goals!

Guaranteed Growth

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

Low Opening Deposit

With as little as $1,000, you can open an Arizona Financial Certificate Account and enjoy a risk-free investment.

Federally Insured

Your funds are federally insured up to at least $250,000 per depositor.

Certificate of Deposit 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 Certificate of Deposit Today:

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

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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's the difference between a bank and a credit union?

A bank is a financial institution that makes decisions on behalf of investors and shareholders. A credit union is a not-for-profit financial cooperative that is owned by its members.

 
Is my money insured?

Your funds are federally insured up to $250,000 per depositor by the National Credit Union Administration (NCUA). Visit the NCUA website to access the NCUA's FAQs and Share Insurance Estimator. 

How do I qualify for membership?

You're eligible to open an account with us if you live, work, worship, attend school, or regularly conduct business in one of the follwing Arizona counties:

  • Coconino 
  • Gila
  • La Paz
  • Maricopa
  • Mohave
  • Navajo
  • Pima
  • Pinal
  • Yavapai
  • Yuma
You may also be eligible through a family or household member who has already chosen Arizona Financial for their financial needs.

Still not sure if you're eligible? Support our local communities and become eligible by making a donation of at least $15 to Local First Arizona.

Routing # 322172797

Arizona Financial’s website may provide links to third party sites, independent from Arizona Financial Credit Union. These links are provided only as a convenience and do not constitute an official endorsement of the website or application. Arizona Financial does not manage the operation or content of these third-party websites or applications. The privacy and security policies of the websites or applications may differ from those of Arizona Financial Credit Union.


Arizona Financial Credit Union is committed to making our products and services accessible to all of our members. Your experience is important to us. We strive to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our website, please call us at 602-683-1000 so that we may promptly assist you in getting the information you need in a method that is accessible to you.

Important Notices for website users: Please take note that we track user communications, their digital method of communicating, and whether the user clicked on content after using the general search feature or chatbot. This information may be disclosed to others in accordance with our privacy policy. Also, online banking users accessing our secure site with confidential information is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators may be prosecuted to the fullest extent of the law.

 

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