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P.O. Box 11650
Phoenix, AZ 85061

Arizona Central Credit Union is headquartered in Phoenix and is the 10st largest credit union in the state of Arizona. It is also the 533rd largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 148 employees and 57,643 members. Arizona Central Credit Union has a B+ health rating.

Field of Membership Restrictions

Field of membership includes Arizona residents ages 55 or older, Arizona residents who currently hold, or have held, membership in an out-of-state credit union, members of the Baptist religion, or members of the Mormon religion. There's also a long list of Select Employee Groups. - See Details

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Reviews (1)

I Would Give NO Stars If I Could!

I'll be blunt. This bank sucks. I switched from a commercial bank to what I thought was going to be a better banking experience because I had heard that credit unions treated the customer better. Boy was I ever wrong! Their customer service is the worst. Every time I turn around they're closed because the wind shifted. Getting a real person is next to impossible. They rely heavily on email but your issue only goes into a big black hole somewhere. I thought that by joining this credit union there would be fewer fees. I was wrong on that one, too. They fee you to DEATH. I found out today that I can only write THREE checks per month and after that they CHARGE me a dollar for ever check after. WHY???? Everything I do is compterized and automated. You can't tell me that those two checks that went over my three check limit were any more of a hassle to handle than the three freebies. I scan the check into an ATM and it never touches human hands...why the fee???

I'm tired of being bent over a barrel without any vaseline. I tried numerous times to express my dissatisfaction to customer service and they can't be bothered. What they fail to understand is I am the customer and without ME, THEY DON'T HAVE A JOB! Apparently, my money isn't worth the same as other peoples'. I am taking my $$$ elsewhere.

Oh, and don't go to this bank if you want good customer service and fair practices. You won't find either.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Arizona Central Credit Union had $2.14 million in non-current loans and owned real-estate with $39.88 million in equity and loan loss allowances on hand to cover it. This gives Arizona Central Credit Union a Texas Ratio of 5.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Arizona Central Credit Union decreased slightly from 6.63% as of March 31, 2013 to 5.36% as of March 31, 2014, resulting in a positive change of 19.09%.This indicates that the balance sheet and financial strength for Arizona Central Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Arizona Central Credit Union has decreased its total deposits by $-749,000, resulting in -0.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Arizona Central Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Arizona Central Credit Union has $413.69 million in assets with $39.88 million in equity, resulting in a capitalization level of 9.64%, which is above average.

Institution Statistics

NCUA #62881
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$413.69 million
Loans$266.41 million
Deposits$371.29 million
Equity Capital$34.71 million
Loan Loss Allowance$5.17 million
Unbacked Noncurrent Loans$2.14 million
Real Estate Owned$0
Historic Data - March 2013
Assets$413.23 million
Equity Capital$34.59 million
Loan Loss Allowance$5.58 million
Unbacked Noncurrent Loans$2.14 million
Real Estate Owned$1.93 million
Profit Margin - Quarterly
Net Interest Margin1.28%
Return on Assets0.76%
Return on Equity9.08%
Interest Income$4.07 million

Always verify rates and promotions with the bank or credit union. We are not Arizona Central Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Arizona Central Credit Union Savings Account Rates

0.05%$25-Member Share Account
0.05%--You-Name-It Savings Account
0.05%--IRA Share Account
0.05%--Roth IRA Share Account
0.05%--CESA Share Account
0.05%$25-Business Member Share
0.02%--Health Savings Checking

Arizona Central Credit Union Money Market Rates

0.10%$500-CU Succeed Money Manager
0.10%$10k-Money Manager
0.10%$50k-Business Money Manager

Arizona Central Credit Union Checking Account Rates

0.10%$10k-HighStyle Checking
0.02%--MyStyle Checking
0.02%$2,500-Business Classic Checking

Arizona Central Credit Union CD Rates

1.56%$100k$100k60 Month Jumbo CD
1.46%$1k$100k60 Month CD
1.25%$1k$100k36 Month CD 5000 Points
1.16%$100k$100k48 Month Jumbo CD
1.06%$1k$100k48 Month CD
1.06%$1k$100k24 Month CD 5000 Points
1.00%$1k$100k36 Month CD 2500 Points
0.85%$100k$100k36 Month Jumbo CD
0.85%$100k-Business 36 Month Jumbo CD
0.85%$1k$100k18 Month CD 5000 Points
0.80%$1k$100k24 Month CD 2500 Points
0.75%$1k$100k36 Month CD
0.75%$1k$100kBusiness 36 Month CD
0.75%$1k$100k12 Month CD 5000 Points
0.65%$100k$100k24 Month Jumbo CD
0.65%$100k-Business 24 Month Jumbo CD
0.65%$1k$100k6 Month CD 5000 Points
0.65%$500-6 Month CU Succeed CD 5000 Points
0.60%$1k$100k18 Month CD 2500 Points
0.55%$1k$100k24 Month CD
0.55%$1k$100kBusiness 24 Month CD
0.50%$1k$100k12 Month CD 2500 Points
0.45%$100k$100k18 Month Jumbo CD
0.40%$1k$100k6 Month CD 2500 Points
0.40%$500-6 Month CU Succeed CD 2500 Points
0.35%$1k$100k18 Month CD
0.35%$100k$100k12 Month Jumbo CD
0.35%$100k-Business 12 Month Jumbo CD
0.25%$1k$100k12 Month CD
0.25%$100k$100k6 Month Jumbo CD
0.25%$100k-Business 6 Month Jumbo CD
0.25%$1k$100kBusiness 12 Month CD
0.15%$1k$100k6 Month CD
0.15%$500-6 Month CU Succeed CD
0.15%$1k$100kBusiness 6 Month CD

Arizona Central Credit Union IRA Rates

1.56%$100k$100k60 Month Jumbo IRA
1.46%$1k$100k60 Month IRA
1.16%$100k$100k48 Month Jumbo IRA
1.06%$1k$100k48 Month IRA
1.06%$1k$100k24 Month IRA 5000 Points
1.00%$1k$100k36 Month IRA 2500 Points
0.85%$100k$100k36 Month Jumbo IRA
0.80%$1k$100k24 Month IRA 2500 Points
0.75%$1k$100k36 Month IRA
0.75%$1k$100k12 Month IRA 5000 Points
0.65%$100k$100k24 Month Jumbo IRA
0.55%$1k$100k24 Month IRA
0.50%$1k$100k12 Month IRA 2500 Points
0.35%$100k$100k12 Month Jumbo IRA
0.25%$1k$100k12 Month IRA

Arizona Central Credit Union has 11 locations. Click to view all Arizona Central Credit Union locations.