Credit union · NCUA insured
Arizona Financial Credit Union
A $3.9B credit union, the 132nd largest of 4,329, headquartered in Phoenix, AZ, with 178,809 members and 20 branches in Arizona. Best rates: savings 2.75% APY.
Arizona Financial Credit Union Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#37 of 60 in Phoenix, AZ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Arizona Financial Credit Union
Founded in 1936, Arizona Financial Credit Union is a locally and member-owned financial cooperative serving consumers and small businesses across Arizona.
The institution originated in 1936 as a small municipal credit union before growing into a statewide financial institution.
- Headquarters
- 333 N 44th St, Phoenix, AZ 85008
- NCUA charter
- 68730
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or regularly conduct business in Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai, or Yuma County are eligible for membership.
Family and household
- Individuals who are family or household members of an existing Arizona Financial member are eligible for membership.
Other ways
- Individuals can become eligible for membership by making a donation of at least $15 to Local First Arizona.
Branches
20 branches in Arizona
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Arizona
20 branches
Phoenix area · 15
- Avondale Branch13085 W McDowell Rd, Avondale, AZ 85392Directions
- Chandler Germann2200 S Gilbert Rd, Chandler, AZ 85286Directions
- Chandler Pecos1155 S Arizona Ave, Chandler, AZ 85286Directions
- Gilbert Branch1675 E Elliot Rd, Gilbert, AZ 85234Directions
- Glendale Branch5485 W Northern Ave, Glendale, AZ 85301Directions
- Mesa Dana Park3156 E Baseline Rd, Mesa, AZ 85204Directions
- Superstition Springs Branch7202 E Southern Ave, Mesa, AZ 85209Directions
- 16th Street & Southern Branch1505 E Southern Ave, Phoenix, AZ 85040Directions
- Ahwatukee Branch15625 S 48th St, Phoenix, AZ 85048Directions
- Biltmore3178 E Camelback Rd, Phoenix, AZ 85016Directions
- Deer Valley Branch2650 W Ross Dr, Phoenix, AZ 85027Directions
- Washington Park Branch4475 E Van Buren St, Phoenix, AZ 85008Directions
- BHLC - Scottsdale Airpark14287 N 87th St Ste 123, Scottsdale, AZ 85260Directions
- Scottsdale Branch3396 N Hayden Rd, Scottsdale, AZ 85251Directions
- Surprise Branch15460 N Reems Rd, Surprise, AZ 85374Directions
Lake Havasu City area · 3
- Fort Mohave5858 S Highway 95 Ste 100, Fort Mohave, AZ 86426Directions
- Kingman4155 N Stockton Hill Rd, Kingman, AZ 86409Directions
- Lake Havasu225 Lake Havasu Ave N, Lake Havasu City, AZ 86403Directions
Parker area · 1
- Parker1017 S California Ave, Parker, AZ 85344Directions
Quartzsite area · 1
- Quartzsite225 Central Blvd, Quartzsite, AZ 85346Directions
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 | 11.82% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.39% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.68% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $62 | $88 | — |
- CapitalNet worth ratio11.82%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.39%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$62Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.