Arizona Central Credit Union Savings & Money Market Rates

How Arizona Central Credit Union’s savings rates compare

Compared with banks and credit unions near Phoenix, AZ, where Arizona Central Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Arizona Central Credit Union
0.90%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$90
Money Market
Top rate
Nuvision Credit Union
4.50%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$450
Nuvision Credit Union rates
2nd-highest rate
Alhambra Credit Union
4.04%APY
Requires
None
Minimum
$25
Earns on $10,000 a year
$404
Alhambra Credit Union rates

Compare savings rates near you →

85

Savings score

Higher than 68% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.80%
$10,000 balance$10,0000.90%
$100,000 balance$100,0002.12%
QualifiedQualified0.90%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Arizona Central Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market

0.90%APY$1,000 to open

Tiered account. Limited to 6 electronic withdrawals per month (3 withdrawals per month at no charge). Monthly service fee of $15 applies if average daily balance of $1,000 is not maintained.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.	0.80%	—	No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.
$10,000 – $25,000No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.	0.90%	$90	No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.
$25,000 – $50,000No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.	0.90%	—	No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.
$50,000 – $100,000No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.	1.51%	—	No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.
$100,000 – $250,000No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.	2.12%	—	No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.
$250,000 and upNo monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.	2.12%	—	No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.

Sources (2)

All captured Oct 22, 2026

Money Market Checking

0.25%APY

Tiered account. Dividends paid on entire balance. Monthly service fee of $15 is waived when maintaining a minimum daily balance of $5,000+.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Monthly fee of $15 is waived with minimum daily balance of $5,000+.	0.10%	—	Monthly fee of $15 is waived with minimum daily balance of $5,000+.
$10,000 – $50,000Monthly fee of $15 is waived with minimum daily balance of $5,000+.	0.25%	$25	Monthly fee of $15 is waived with minimum daily balance of $5,000+.
$50,000 – $100,000Monthly fee of $15 is waived with minimum daily balance of $5,000+.	0.35%	—	Monthly fee of $15 is waived with minimum daily balance of $5,000+.
$100,000 and upMonthly fee of $15 is waived with minimum daily balance of $5,000+.	0.55%	—	Monthly fee of $15 is waived with minimum daily balance of $5,000+.

Sources (3)

All captured Oct 22, 2026

Share Savings

0.10%APY$5 to open

A $5 minimum balance must be maintained in this account at all times to remain eligible for credit union services and benefits. Single service account requires a monthly average daily balance of $2,500 or more to remain fee free.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$5 and up	0.10%	$10

Sources (2)

All captured Oct 22, 2026

You-Name-It Savings

0.05%APY

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceSchedule lists minimum balance to earn dividends as $1.00.Any balance	0.05%	$5	Schedule lists minimum balance to earn dividends as $1.00.

Sources (2)

All captured Oct 22, 2026

Special-purpose accounts

HSA Money Market

0.90%APYHSA$1,000 to open

Tiered account, limited to 6 electronic withdrawals per month. Minimum balance to avoid a service fee is $1,000.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Minimum balance to avoid a service fee is $1,000.00.	0.60%	—	Minimum balance to avoid a service fee is $1,000.00.
$10,000 – $25,000Minimum balance to avoid a service fee is $1,000.00.	0.90%	$90	Minimum balance to avoid a service fee is $1,000.00.
$25,000 – $50,000Minimum balance to avoid a service fee is $1,000.00.	0.90%	—	Minimum balance to avoid a service fee is $1,000.00.
$50,000 – $100,000Minimum balance to avoid a service fee is $1,000.00.	1.51%	—	Minimum balance to avoid a service fee is $1,000.00.
$100,000 – $250,000Minimum balance to avoid a service fee is $1,000.00.	2.12%	—	Minimum balance to avoid a service fee is $1,000.00.
$250,000 and upMinimum balance to avoid a service fee is $1,000.00.	2.12%	—	Minimum balance to avoid a service fee is $1,000.00.

Sources (1)

azcentralcu.org/wp-content/upl…Rate-Sheet-9_15_2026.pdf · captured Oct 22, 2026

NextGEN Money Market

0.90%APYKids and teens$500 to open

Available to NextGEN Youth Program members. Tiered account with limited withdrawals.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $10,000	0.80%	—
$10,000 – $25,000	0.90%	$90
$25,000 – $50,000	0.90%	—
$50,000 – $100,000	1.51%	—
$100,000 – $250,000	2.12%	—
$250,000 and up	2.12%	—

Sources (2)

All captured Oct 22, 2026

IRA Share / IRA Savings

0.05%APYIRA$1 to open

Traditional, Roth, and IRA Rollover savings accounts available.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$1 and up	0.05%	$5

Sources (3)

All captured Oct 22, 2026

Who can join Arizona Central Credit Union

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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

How Arizona Central Credit Union’s savings rates compare

Arizona Central Credit Union savings score

Current savings rates

Money Market

Money Market Checking

Share Savings

You-Name-It Savings

Special-purpose accounts

HSA Money Market

NextGEN Money Market

IRA Share / IRA Savings

Who can join Arizona Central Credit Union

Employers and groups