High-Yield Savings Rates

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
2.57%
APY*
2.60%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$25,000
Dividend
Rate
2.62%
APY*
2.65%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$50,000
Dividend
Rate
2.67%
APY*
2.70%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$100,000
Dividend
Rate
2.72%
APY*
2.75%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$250,000
Dividend
Rate
2.82%
APY*
2.85%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$500,000
Dividend
Rate
2.91%
APY*
2.95%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
3.06%
APY*
3.10%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$2,000,000
Dividend
Rate
3.20%
APY*
3.25%
Effective January 2, 2026

*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.

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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Certificate of Deposit Rates

Term
Minimum to
Earn APY*
Dividend
Rate
APY*
Term
6 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.69%
APY*
3.75%
Term
9 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.49%
APY*
3.55%
Term
9 Months
Minimum to
Earn APY*
$500,000
Dividend
Rate
3.59%
APY*
3.65%
Term
9 Months
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
3.69%
APY*
3.75%
Term
9 Months
Minimum to
Earn APY*
$2,000,000
Dividend
Rate
3.93%
APY*
4.00%
Term
11 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.69%
APY*
3.75%
Term
11 Months
Minimum to
Earn APY*
$500,000
Dividend
Rate
3.83%
APY*
3.90%
Term
11 Months
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
3.93%
APY*
4.00%
Term
11 Months
Minimum to
Earn APY*
$2,000,000
Dividend
Rate
4.17%
APY*
4.25%
Term
12 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.45%
APY*
3.50%
Term
18 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.20%
APY*
3.25%
Term
24 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.96%
APY*
3.00%
Term
36 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.47%
APY*
2.50%
Term
48 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.47%
APY*
2.50%
Term
60 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.47%
APY*
2.50%
Effective June 1, 2026

*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.

Certificate of Deposit Features

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!

Learn More

Money Market Rates

Minimum to
Earn APY*
Dividend
Rate
APY*
Minimum to
Earn APY*
$1,000
Dividend
Rate
0.50%
APY*
0.50%
Minimum to
Earn APY*
$25,000
Dividend
Rate
1.00%
APY*
1.00%
Minimum to
Earn APY*
$50,000
Dividend
Rate
1.49%
APY*
1.50%
Minimum to
Earn APY*
$250,000
Dividend
Rate
1.98%
APY*
2.00%
Minimum to
Earn APY*
$500,000
Dividend
Rate
2.23%
APY*
2.25%
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
2.48%
APY*
2.50%
Effective January 2, 2026

*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.

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. 

Learn More

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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.).