Arizona Central Credit Union

PO Box 11650
Phoenix, AZ 85061
866-264-6421
www.azcentralcu.org

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Arizona Central Credit Union is headquartered in Phoenix and is the 9^th largest credit union in the state of Arizona. It is also the 493^rd largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 145 employees and 54,426 members. Arizona Central Credit Union has a 3-star health rating.

Arizona Central Credit Union Routing Number: 322172441

5.75% 36-Month CD / 5.50% 18-Month CD at an Arizona CU (Arizona Central) - 7/11/2007

Arizona Central Credit Union is offering very competitive rates on its certificates. These include a 5.75% APY 36-month CD, a 5.60% APY 24-Month CD, a 5.50% APY 18-month CD, a 5.40% APY 12-month CD and a 5.20% APY 6-month CD. All have a minimum deposit...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Arizona Central Credit Union Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	HighStyle Checking
0.02%	-	-	MyStyle Checking
0.02%	$2,500	-	Business Classic Checking

Arizona Central Credit Union Savings Account Rates

Apy	Min	Max	Product
0.05%	$25	-	Membership 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

Apy	Min	Max	Product
0.15%	$10k	-	CU Succeed Money Manager
0.15%	$10k	-	Money Manager
0.15%	$25k	-	Business Money Manager

Arizona Central Credit Union CD Rates

Apy	Min	Max	Product
1.61%	$100k	$100k	60 Month Jumbo CD
1.51%	$1k	$100k	60 Month CD
1.21%	$100k	$100k	48 Month Jumbo CD
1.11%	$1k	$100k	48 Month CD
0.90%	$100k	$100k	36 Month Jumbo CD
0.90%	$100k	-	Business 36 Month Jumbo CD
0.80%	$1k	$100k	36 Month CD
0.80%	$1k	$100k	Business 36 Month CD
0.70%	$100k	$100k	24 Month Jumbo CD
0.70%	$100k	-	Business 24 Month Jumbo CD
0.60%	$1k	$100k	24 Month CD
0.60%	$1k	$100k	Business 24 Month CD
0.50%	$100k	$100k	18 Month Jumbo CD
0.40%	$1k	$100k	18 Month CD
0.40%	$100k	$100k	12 Month Jumbo CD
0.40%	$100k	-	Business 12 Month Jumbo CD
0.30%	$1k	$100k	12 Month CD
0.30%	$100k	$100k	6 Month Jumbo CD
0.30%	$100k	-	Business 6 Month Jumbo CD
0.30%	$1k	$100k	Business 12 Month CD
0.20%	$1k	$100k	6 Month CD
0.20%	$500	-	6 Month CU Succeed CD
0.20%	$1k	$100k	Business 6 Month CD

Arizona Central Credit Union IRA Rates

Apy	Min	Max	Product
1.61%	$100k	$100k	60 Month Jumbo IRA
1.61%	$100k	$100k	60 Month Jumbo Roth IRA
1.61%	$100k	$100k	60 Month Jumbo CESA
1.51%	$1k	$100k	60 Month IRA
1.51%	$1k	$100k	60 Month Roth IRA
1.51%	$1k	$100k	60 Month CESA
1.21%	$100k	$100k	48 Month Jumbo IRA
1.21%	$100k	$100k	48 Month Jumbo Roth IRA
1.21%	$100k	$100k	48 Month Jumbo CESA
1.11%	$1k	$100k	48 Month IRA
1.11%	$1k	$100k	48 Month Roth IRA
1.11%	$1k	$100k	48 Month CESA
0.90%	$100k	$100k	36 Month Jumbo IRA
0.90%	$100k	$100k	36 Month Jumbo Roth IRA
0.90%	$100k	$100k	36 Month Jumbo CESA
0.80%	$1k	$100k	36 Month IRA
0.80%	$1k	$100k	36 Month Roth IRA
0.80%	$1k	$100k	36 Month CESA
0.70%	$100k	$100k	24 Month Jumbo IRA
0.70%	$100k	$100k	24 Month Jumbo Roth IRA
0.70%	$100k	$100k	24 Month Jumbo CESA
0.60%	$1k	$100k	24 Month IRA
0.60%	$1k	$100k	24 Month Roth IRA
0.60%	$1k	$100k	24 Month CESA
0.50%	$100k	$100k	18 Month Jumbo IRA
0.50%	$100k	$100k	18 Month Jumbo Roth IRA
0.50%	$100k	$100k	18 Month Jumbo IRA
0.40%	$100k	$100k	12 Month Jumbo IRA
0.40%	$1k	$100k	18 Month IRA
0.40%	$100k	$100k	12 Month Jumbo Roth IRA
0.40%	$1k	$100k	18 Month Roth IRA
0.40%	$100k	$100k	12 Month Jumbo CESA
0.40%	$1k	$100k	18 Month IRA
0.30%	$100k	$100k	6 Month Jumbo IRA
0.30%	$1k	$100k	12 Month IRA
0.30%	$100k	$100k	6 Month Jumbo Roth IRA
0.30%	$1k	$100k	12 Month Roth IRA
0.30%	$100k	$100k	6 Month Jumbo CESA
0.30%	$1k	$100k	12 Month CESA
0.20%	$1k	$100k	6 Month IRA
0.20%	$1k	$100k	6 Month Roth IRA
0.20%	$1k	$100k	6 Month CESA

Rates updated: 5/21/2012

Data for Q4 2011

Institution Statistics

ARIZONA CENTRAL
NCUA #	62881
BankRate Report	View
Year Chartered	1939
Employees	145
Primary Regulator
Assets and Liabilities
Assets	$395.54 million
Loans	$197.31 million
Deposits	$360.37 million
Equity Capital	$30.56 million
Loan Loss Allowance	$10.30 million
Unbacked Noncurrent Loans	$7.09 million
Real Estate Owned	$211,000
Historic Data - December 2010
Assets	$404.82 million
Equity Capital	$29.03 million
Loan Loss Allowance	$11.55 million
Unbacked Noncurrent Loans	$5.71 million
Real Estate Owned	$82,000
Profit Margin - Quarterly
Net Interest Margin	7.27%
Return on Assets	0.23%
Return on Equity	2.95%
Interest Income	$16.30 million
Non-Interest Income	$9.57 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Arizona Central Credit Union had $7.3 million in non-current loans and owned real-estate with $40.86 million in equity and loan loss allowances on hand to cover it. This gives Arizona Central Credit Union a Texas Ratio of 17.87% which is average. 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 held steady from 14.28% as of December 31, 2010 to 17.87% as of December 31, 2011, resulting in a negative change of 25.15%. This indicates that the balance sheet and financial strength for Arizona Central Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Arizona Central Credit Union has decreased its total deposits by -$13.9 million, resulting in -3.72% 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 below average.
Capitalization
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 $395.54 million in assets with $40.86 million in equity, resulting in a capitalization level of 10.33%, which is above average.