Credit union · NCUA insured
Avenir Financial
Top CarrotA $395M credit union headquartered in Yuma, AZ, with 33,293 members and 4 branches in Arizona. Best rates: CDs 4.00% and savings 1.00% APY.
Avenir Financial Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#1 of 9 in Yuma, AZ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Avenir Financial
Avenir Financial was formed on April 21, 1942, and its original charter was approved on May 6, 1942.
The credit union was originally formed to serve employees of the Boards of Education of Public Schools in Yuma County, Arizona.
Avenir Financial now serves residents across 22 counties in Arizona, California, Nevada, and New Mexico.
- Headquarters
- 1780 S 1st Ave, Yuma, AZ 85364-5705
- NCUA charter
- 4915
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, worship, or attend school in either Yuma or La Paz County, Arizona.
Family and household
- Membership is open to immediate family members of someone who lives, works, worships, or attends school in either Yuma or La Paz County, Arizona.
Other ways
- Residents in the specified 22 counties across Arizona, California, Nevada, and New Mexico can join by making a zero-dollar donation through the Community Impact Fund (CIF).
Cost to join
- A zero-dollar ($0) donation through the Community Impact Fund (CIF) is required for residents in eligible counties joining via CIF.
- A $5 opening deposit is required to open a Share Savings Account, representing a share of ownership.
Branches
4 branches in Arizona
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Arizona
4 branches
- Avenir Financial Federal Credit UnionMain office1780 S 1st Ave, Yuma, AZ 85364Directions
- San Luis1565 E Main St, San Luis, AZ 85349Directions
- Somerton Office530 E Main St, Somerton, AZ 85350Directions
- Foothills Office11252 N Frontage Rd, Yuma, AZ 85367Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.78% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.39% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.44% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $95 | $76 | — |
- CapitalNet worth ratio12.78%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.39%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.44%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$95Peers’ 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 Avenir Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.