Maximize Your Savings This Tax Season

Earn more with our High-Yield Savings & Certificate options. Choose the best fit for your financial goals.

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A Certificate of Deposit Keeps Your Money Safe & Secure

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.
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High-Yield Savings Account Features

Our High-Yield Savings Account rewards you with a higher dividend rate 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 with online banking or the mobile app. 

A Safe Investment

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. In fact, we've been serving Arizona since 1936.

Comparing Our Deposit Rates

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 16, 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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Certificate of Deposit Rates

Arizona Financial offers some of the best Certificate of Deposit rates with flexible terms that make investing in your future an easy decision. For a limited time, we're offering 9- and 11-month high-yield certificates of deposit.  
Term
Minimum to
Earn APY*
Dividend
Rate
APY*
Term
6 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.93%
APY*
4.00%
Term
9 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.74%
APY*
3.80%
Term
9 Months
Minimum to
Earn APY*
$500,000
Dividend
Rate
3.83%
APY*
3.90%
Term
9 Months
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
3.93%
APY*
4.00%
Term
11 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.93%
APY*
4.00%
Term
11 Months
Minimum to
Earn APY*
$500,000
Dividend
Rate
4.07%
APY*
4.15%
Term
11 Months
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
4.17%
APY*
4.25%
Term
12 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.69%
APY*
3.75%
Term
18 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.45%
APY*
3.50%
Term
24 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.20%
APY*
3.25%
Term
36 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.72%
APY*
2.75%
Term
48 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.72%
APY*
2.75%
Term
60 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.72%
APY*
2.75%
Effective June 2, 2025

*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.

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Frequently Asked Questions

What is a High-Yield Savings Account?

A High-Yield Savings Account is a type of savings account that offers a higher interest rate than a traditional savings account. This means you can earn more money on your savings.

Are there fees associated with a High-Yield Savings Account?

Our High-Yield Savings Account has no fees, while other banks may have fees for things like ATM withdrawals or monthly maintenance. It's important to compare different accounts and fees before you open one.

How often can I withdraw money from a High-Yield Savings Account?

Our High-Yield Savings Account allows you to make as many withdrawals as you want. However, some banks may have limits on the number of withdrawals or ATM fees.

Is it worth it to have a High-Yield Savings Account?

Whether or not it is worth it to have a High-Yield Savings Account depends on your individual circumstances. If you have a large amount of money to save, then a High-Yield Savings Account can help you earn more interest. However, if you need to access your money frequently, then a High-Yield Savings Account may not be the best option for you.

How much will $10,000 earn in a High-Yield Savings Account?

The amount of interest you earn on $10,000 in a High-Yield Savings Account will depend on the interest rate of the account. For example, if the interest rate on the account is 4.15% APY, you could earn $415 in interest on $10,000 in one year. Please remember, rates are on most savings accounts are subject to change at any time. In comparison, a Certificate of Deposit has a fixed rate for a specific period of time (e.g., 6 months, 12 months, etc.).

Savings Account Resources

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