Credit union · NCUA insured
Arizona Financial Credit Union Savings Rates
Arizona Financial Credit Union’s best savings rate is 2.75% APY on $10,000, with its High-Yield Savings. Rates checked October 22, 2026.
How Arizona Financial Credit Union’s savings rates compare
Compared with banks and credit unions near Phoenix, AZ, where Arizona Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Arizona Financial Credit Union
2.75%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $275
High-Yield Savings
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
Alhambra Credit Union
4.04%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $404
Arizona Financial Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0002.75%
- $100,000 balance$100,0002.90%
- QualifiedQualified2.75%
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.
Where Arizona Financial 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.
High-Yield Savings
Up to 2.75%APY
Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Rates may change monthly as determined by the Board of Directors. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25 to earn APY. | 0.20% | $20 | Minimum $25 to earn APY. |
| $10,000 and upMinimum $10,000 to earn APY. | 2.75% | $275 | Minimum $10,000 to earn APY. |
| $25,000 and upMinimum $25,000 to earn APY. | 2.80% | — | Minimum $25,000 to earn APY. |
| $50,000 and upMinimum $50,000 to earn APY. | 2.85% | — | Minimum $50,000 to earn APY. |
| $100,000 and upMinimum $100,000 to earn APY. | 2.90% | — | Minimum $100,000 to earn APY. |
| $250,000 and upMinimum $250,000 to earn APY. | 3.00% | — | Minimum $250,000 to earn APY. |
| $500,000 and upMinimum $500,000 to earn APY. | 3.10% | — | Minimum $500,000 to earn APY. |
| $1,000,000 and upMinimum $1,000,000 to earn APY. | 3.25% | — | Minimum $1,000,000 to earn APY. |
| $2,000,000 and upMinimum $2,000,000 to earn APY. | 3.40% | — | Minimum $2,000,000 to earn APY. |
Sources (2)
All captured Oct 15, 2026
Money Market Checking
0.50%APY
Monthly service fee is waived with a $2,000 minimum daily balance. Rates apply only to non-brokered deposits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMonthly service fee of $15 applies if daily balance drops below $2,000. | 0.50% | $50 | Monthly service fee of $15 applies if daily balance drops below $2,000. |
| $25,000 and upMonthly service fee of $15 applies if daily balance drops below $2,000. | 1.00% | — | Monthly service fee of $15 applies if daily balance drops below $2,000. |
| $50,000 and upMonthly service fee of $15 applies if daily balance drops below $2,000. | 1.50% | — | Monthly service fee of $15 applies if daily balance drops below $2,000. |
| $250,000 and upMonthly service fee of $15 applies if daily balance drops below $2,000. | 2.00% | — | Monthly service fee of $15 applies if daily balance drops below $2,000. |
| $500,000 and upMonthly service fee of $15 applies if daily balance drops below $2,000. | 2.25% | — | Monthly service fee of $15 applies if daily balance drops below $2,000. |
| $1,000,000 and upMonthly service fee of $15 applies if daily balance drops below $2,000. | 2.50% | — | Monthly service fee of $15 applies if daily balance drops below $2,000. |
Sources (2)
All captured Oct 3, 2026
Basic Savings
0.20%APY
Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Rates may change monthly as determined by the Board of Directors. No minimum opening deposit required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25 to earn APY. No monthly service fee.$25 and up | 0.20% | $20 | Minimum $25 to earn APY. No monthly service fee. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Money Market
0.50%APY
Rates apply only to non-brokered deposits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.50% | $50 |
| $25,000 and up | 1.00% | — |
| $50,000 and up | 1.50% | — |
| $250,000 and up | 2.00% | — |
| $500,000 and up | 2.25% | — |
| $1,000,000 and up | 2.50% | — |
Sources (1)
- arizonafinancial.org/hubfs/Mem…and%20Fee%20Schedule.pdf · captured Oct 3, 2026
Teen Savings
0.20%APY
For teens ages 13 to 17. Joint owner must be 18 or older if added. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAges 13 to 17. Minimum $25 to earn APY.$25 and up | 0.20% | $20 | Ages 13 to 17. Minimum $25 to earn APY. |
Sources (1)
- arizonafinancial.org/kids-savings-account · captured Oct 15, 2026
Youth Savings
0.20%APY
For children ages 12 and under. Parent/guardian/adult relative must be present at account opening and added as a joint owner. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAges 12 and under. Minimum $25 to earn APY.$25 and up | 0.20% | $20 | Ages 12 and under. Minimum $25 to earn APY. |
Sources (1)
- arizonafinancial.org/kids-savings-account · captured Oct 15, 2026
Closed to new customers
Money Market (Discontinued)
0.50%APY
Share type is discontinued and no longer offered to new accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.50% | $50 |
| $25,000 and up | 1.00% | — |
| $50,000 and up | 1.50% | — |
| $250,000 and up | 2.00% | — |
Sources (1)
- arizonafinancial.org/hubfs/Mem…and%20Fee%20Schedule.pdf · captured Oct 3, 2026
Holiday Club
0.20%APY
Discontinued share type no longer offered to new members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 to earn APY.$100 and up | 0.20% | $20 | Minimum $100 to earn APY. |
Sources (1)
- arizonafinancial.org/hubfs/Mem…and%20Fee%20Schedule.pdf · captured Oct 15, 2026
Special Savings
0.20%APY
Discontinued share type no longer offered to new members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 to earn APY.$100 and up | 0.20% | $20 | Minimum $100 to earn APY. |
Sources (1)
- arizonafinancial.org/hubfs/Mem…and%20Fee%20Schedule.pdf · captured Oct 15, 2026
Who can join Arizona Financial Credit Union
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.
Membership information collected October 4, 2026.