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Arizona Financial Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.arizonafinancial.org
602-683-1000
333 N 44th St
Phoenix, AZ 85008

Arizona Financial Credit Union is headquartered in Phoenix and is the 2nd largest credit union in the state of Arizona. It is also the 134th largest credit union in the nation. It was established in 1936 and as of December of 2024, it had grown to 668 employees and 170,495 members at 20 locations. Arizona Financial Credit Union's savings rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Arizona Financial Credit Union is open to anyone who lives, works, worships, or attends school in the Arizona counties of Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai, or Yuma. Family and household members are also eligible. Individuals who have made a donation of at least $15 to Local First Arizona are eligible to join.
See current membership details

Reviews (5)

AZFCU Best Credit Union Around

Posted by: |

Working with AZFCU is a pleasure. After using the "banking" mill, AZFCU has made both my business and personal banking so much easier. Linda Beck is a great representative for them and always gets it done. Please open some locations in the Prescott area soon!

1

Happy Customer

Posted by: |

It is a pleasure to bank here!!! No hassles Christina is an awesome asset to your organization!!!!

2

Lawsuit Incoming

Posted by: |

If you have also been charged fees and lost real money due to AFCU shady, unregulated and fraudulent activities due to another “system maintenance” excuse please contact me directly
[email protected]

5

Arizona Federal Credit Union Are A Bunch Of Frauds

Posted by: |

Not only does this credit union have the worst customer service I have ever experienced. But they’re completely racist. If you’re white or not, Hispanic, they treat you like crap. They do not follow through with disputed claims. They’ll randomly shut your debit card off for no reason. Horrible, horrible horrible credit union. Do not join. They claim that they’re denying a mobile deposit, and then they steal your money. They should be shut down and charged with crimes.

3

Need To Get Better Trained Help Line Staff

Posted by: |

Most frustrating credit union I have worked with. Verification of your own account on help line is ridiculous. I have had to call at least 5x with my new account because they can't "find it" or I can't log in, but in order to verify it's my account, they want the last transactions. How do I know if I can't log in? People at help desk seem to be new ..which is detrimental to customer service. Had many issues with direct payments. Returned utility bill "account closed". Such a hassle to do anything on a regular checking account. Can't imagine a loan!!!

1


Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68730
Year Chartered1936
Employees668
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.44%
Annual Interest Income$157.4MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$3.42B$3.31B
LoansQ4 2024vs Q4 2023$1.86B$1.84B
DepositsQ4 2024vs Q4 2023$3.03B$2.75B
Equity CapitalQ4 2024vs Q4 2023$339.7MM$302.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$20.7MM$22.1MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$4.2MM$4.8MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Arizona Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%*$2m*-Business High-Yield Savings
OTHER TIERS: 3.25% → $10k - $500k | 3.35% → $500k - $1m | 3.55% → $1m - $2m
3.75%*$2m*-High-Yield Savings
OTHER TIERS: 3.25% → $10k - $500k | 3.35% → $500k - $1m | 3.55% → $1m - $2m
0.20%$25-Basic Savings
0.20%$25-Business Basic Savings
0.20%$25-Youth Savings
0.20%$25-Teen Savings

Arizona Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$1m*-Money Market
OTHER TIERS: 0.50% → $1k - $25k | 1.00% → $25k - $50k | 1.50% → $50k - $250k | 2.25% → $250k - $500k | 2.50% → $500k - $1m
2.75%*$1m*-Business Money Market
OTHER TIERS: 0.50% → $1k - $25k | 1.00% → $25k - $50k | 1.50% → $50k - $250k | 2.25% → $250k - $500k | 2.50% → $500k - $1m
2.75%*$1m*-IRA Money Market
OTHER TIERS: 0.50% → $1k - $25k | 1.00% → $25k - $50k | 1.50% → $50k - $250k | 2.25% → $250k - $500k | 2.50% → $500k - $1m

Arizona Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25-IOLTA
0.15%*$25k*-Premier Checking Account
OTHER TIERS: 0.06% → $25 - $1k | 0.10% → $1k - $10k | 0.12% → $10k - $25k
0.15%*$50k*-Business Platinum Checking
OTHER TIERS: 0.10% → $1.5k - $50k
0.15%*$25k*-Teen Checking Account
OTHER TIERS: 0.06% → $25 - $1k | 0.10% → $1k - $10k | 0.12% → $10k - $25k
0.15%*$25k*-Young Adult Checking Account
OTHER TIERS: 0.06% → $25 - $1k | 0.10% → $1k - $10k | 0.12% → $10k - $25k

Arizona Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$1m*-11 Month Share Certificate Special
OTHER TIERS: 4.25% → $1k - $500k | 4.40% → $500k - $1m
4.50%*$1m*-Business 11 Month Share Certificate Special
OTHER TIERS: 4.25% → $1k - $500k | 4.40% → $500k - $1m
4.25%*$1m*-9 Month Share Certificate Special
OTHER TIERS: 4.05% → $1k - $500k | 4.15% → $500k - $1m
4.25%*$1m*-Business 9 Month Share Certificate Special
OTHER TIERS: 4.05% → $1k - $500k | 4.15% → $500k - $1m
4.00%$1k-6 Month Share Certificate
4.00%$1k-Business 6 Month Share Certificate
4.00%$1k-6 Month Youth Share Certificate
3.75%$1k-12 Month Share Certificate
3.75%$1k-Business 12 Month Share Certificate
3.75%$1k-12 Month Youth Share Certificate
3.50%$1k-18 Month Share Certificate
3.50%$1k-Business 18 Month Share Certificate
3.50%$1k-18 Month Youth Share Certificate
3.25%$1k-24 Month Share Certificate
3.25%$1k-Business 24 Month Share Certificate
3.25%$1k-24 Month Youth Share Certificate
2.75%$1k-36 Month Share Certificate
2.75%$1k-48 Month Share Certificate
2.75%$1k-60 Month Share Certificate
2.75%$1k-Business 36 Month Share Certificate
2.75%$1k-Business 48 Month Share Certificate
2.75%$1k-Business 60 Month Share Certificate
2.75%$1k-36 Month Youth Share Certificate
2.75%$1k-48 Month Youth Share Certificate
2.75%$1k-60 Month Youth Share Certificate

Arizona Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-6 Month IRA
3.75%$1k-12 Month IRA
3.50%$1k-18 Month IRA
3.25%$1k-24 Month IRA
2.75%$1k-60 Month IRA
2.75%$1k-36 Month IRA
2.75%$1k-48 Month IRA
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