Credit union · NCUA insured
Arizona Central Credit Union
A $733.7M credit union headquartered in Phoenix, AZ, with 46,768 members and 9 branches in Arizona. Best rates: CDs 4.25% and savings 0.90% APY.
Arizona Central Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#24 of 60 in Phoenix, AZ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Arizona Central Credit Union
Founded in 1939, Arizona Central Credit Union is a member-owned financial institution operating 9 branches across Arizona communities including Phoenix, Tucson, Flagstaff, and Show Low.
Originally established as Arizona League Central Credit Union to promote financial responsibility and provide fair credit, the institution became Arizona Central Credit Union in 1957.
- Headquarters
- 2020 N Central Ave Ste 200, Phoenix, AZ 85004
- NCUA charter
- 62881
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of one of over 2,000 partner groups in Arizona Central Credit Union's field of membership are eligible to join.
Branches
9 branches in Arizona
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Arizona
9 branches
Phoenix area · 5
- Chandler #51805 W Chandler Blvd, Chandler, AZ 85224Directions
- Bell #66901 W Bell Rd, Glendale, AZ 85308Directions
- Glendale #95552 W Glendale Ave, Glendale, AZ 85301Directions
- 2020 Branch #12020 N Central Ave, Ste 100, Phoenix, AZ 85004Directions
- Tempe #34455 S Rural Rd, Tempe, AZ 85282Directions
Flagstaff area · 2
- Flagstaff #42521 N West St, Flagstaff, AZ 86004Directions
- Woodlands #101948 S Woodlands Village Blvd, Flagstaff, AZ 86001Directions
Show Low area · 1
- Showlow #164451 S White Mountain Rd, Show Low, AZ 85901Directions
Tucson area · 1
- Ina #72150 W Ina Rd, Tucson, AZ 85741Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.97% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio8.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.97%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Arizona Central Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.