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PHOENIX, AZ 85027-1280

Arizona State Credit Union is headquartered in PHOENIX and is the 2nd largest credit union in the state of Arizona. It is also the 113st largest credit union in the nation. It was established in 1972 and as of March of 2014, it had grown to 351 employees and 131,616 members. Arizona State Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live in Coconino, Cochise, Graham, Greenlee, Maricopa, Navajo, Pima, or Yavapai County, or in the north section of Gila County. You can also be eligible via select employer groups, family and even friends. Please see the credit union's Open An Account page for more details. - See Details

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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 State Credit Union had $14.55 million in non-current loans and owned real-estate with $158.93 million in equity and loan loss allowances on hand to cover it. This gives Arizona State Credit Union a Texas Ratio of 9.16% 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 State Credit Union experienced no significant changes from 6.94% as of March 31, 2013 to 9.16% as of March 31, 2014, resulting in a negative change of 32.04%. This indicates that the balance sheet and financial strength for Arizona State Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Arizona State Credit Union has increased its total deposits by $60.5 million, resulting in 4.67% 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 State Credit Union has shown is excellent.



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 State Credit Union has $1.61 billion in assets with $158.93 million in equity, resulting in a capitalization level of 9.84%, which is above average.

Institution Statistics

NCUA #61315
Year Chartered1972
Primary Regulator
Assets and Liabilities
Assets$1.61 billion
Loans$971.31 million
Deposits$1.36 billion
Equity Capital$137.78 million
Loan Loss Allowance$21.14 million
Unbacked Noncurrent Loans$11.46 million
Real Estate Owned$3.09 million
Historic Data - March 2013
Assets$1.43 billion
Equity Capital$126.92 million
Loan Loss Allowance$24.55 million
Unbacked Noncurrent Loans$11.46 million
Real Estate Owned$3.90 million
Profit Margin - Quarterly
Return on Assets0.95%
Return on Equity11.11%
Interest Income$11.74 million

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Arizona State Credit Union Savings Account Rates

0.30%$50-IRA Savings
0.30%$50-Roth IRA Savings
0.30%$50-CESA Savings
0.30%$50-SEP IRA Savings
0.05%$50-Club Savings
0.05%$50-Business Club Savings
0.05%$50-Business Savings

Arizona State Credit Union Money Market Rates

0.30%$75k-Star High Yield Money Market
0.30%$100k-Tiered Money Market Checking
0.30%$100k-Tiered Money Market Savings
0.30%$75k-Business Star High Yield Money Market
0.30%$100k-Business Tiered Money Market
0.20%$25k-SaversAdvantage Yield Money Market
0.20%$25k-Business SaversAdvantage Yield Money Market

Arizona State Credit Union Checking Account Rates

0.35%$250k-Business Hi-Yield Checking
0.25%$100k-Business Analysis Checking
0.10%$50k-Premium Checking
0.05%$1k-Arizona Checking
0.03%--Business Advantage Checking

Arizona State Credit Union CD Rates

1.35%$2k-60 Month Share Certificate
1.35%$2k-Business 60 Month Share Certificate
0.90%$2k-48 Month Share Certificate
0.90%$2k-Business 48 Month Share Certificate
0.75%$2k-36 Month Share Certificate
0.75%$2k-Business 36 Month Share Certificate
0.65%$2k-30 Month Share Certificate
0.65%$2k-Business 30 Month Share Certificate
0.60%$2k-24 Month Share Certificate
0.60%$2k-Business 24 Month Share Certificate
0.50%$2k-18 Month Share Certificate
0.50%$2k-Business 18 Month Share Certificate
0.35%$2k-12 Month Share Certificate
0.35%$2k-Business 12 Month Share Certificate
0.25%$2k-6 Month Share Certificate
0.25%$2k-Business 6 Month Share Certificate
0.15%$2k-3 Month Share Certificate
0.15%$2k-Business 3 Month Share Certificate

Arizona State Credit Union IRA Rates

1.35%$2k-60 Month IRA Share Certificate
0.90%$2k-48 Month IRA Share Certificate
0.75%$2k-36 Month IRA Share Certificate
0.65%$2k-24 Month IRA Share Certificate
0.60%$2k-30 Month IRA Share Certificate
0.50%$2k-18 Month IRA Share Certificate
0.35%$2k-12 Month IRA Share Certificate
0.25%$2k-6 Month IRA Share Certificate
0.15%$2k-3 Month IRA Share Certificate

Arizona State Credit Union has 22 locations. Click to view all Arizona State Credit Union locations.