Credit union · NCUA insured
Avenir Financial Savings Rates
Top CarrotAvenir Financial’s best savings rate is 1.00% APY on $10,000, with its Access Money Market. Rates checked October 22, 2026.
How Avenir Financial’s savings rates compare
Compared with banks and credit unions near Yuma, AZ, where Avenir Financial has the most branches. $10,000, best rate first.
This credit union’s best
Avenir Financial
2.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $250
Elevate Money Market
Top rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
3rd-highest rate
OneAZ Credit Union
1.51%APY
- Minimum
- —
- Earns on $10,000 a year
- $151
Avenir Financial savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified2.50%
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 Avenir Financial 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.
Elevate Money Market
2.50%APY
Minimum daily balance of $2,500 required to avoid a $5 fee and earn dividends. Limited to one account per owner's Tax ID number. Existing members are eligible to transfer internal funds only if they bring new funds with similar or higher amount as the transfer amount. Limited to 6 transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Fee of $5 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. Limited to one per owner's Tax ID number; internal fund transfers require matching or higher new funds. | 3.00% | — | Fee of $5 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. Limited to one per owner's Tax ID number; internal fund transfers require matching or higher new funds. |
| $10,000 – $14,999Fee of $5 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. Limited to one per owner's Tax ID number; internal fund transfers require matching or higher new funds. | 2.50% | $250 | Fee of $5 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. Limited to one per owner's Tax ID number; internal fund transfers require matching or higher new funds. |
| $15,000 – $19,999Fee of $5 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. Limited to one per owner's Tax ID number; internal fund transfers require matching or higher new funds. | 1.50% | — | Fee of $5 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. Limited to one per owner's Tax ID number; internal fund transfers require matching or higher new funds. |
| $20,000 and upFee of $5 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. Limited to one per owner's Tax ID number; internal fund transfers require matching or higher new funds. | 0.05% | — | Fee of $5 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. Limited to one per owner's Tax ID number; internal fund transfers require matching or higher new funds. |
Sources (2)
All captured Oct 3, 2026
Access Money Market
1.00%APY
Minimum daily balance of $1,000 required to avoid a $15 fee and earn dividends. Limited to 3 transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $49,999Fee of $15 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. | 1.00% | $100 | Fee of $15 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. |
| $50,000 – $99,999Fee of $15 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. | 1.25% | — | Fee of $15 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. |
| $100,000 and upFee of $15 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. | 1.50% | — | Fee of $15 applies if minimum daily balance is not maintained. If balance falls below daily minimum balance, account will not earn dividends. Compounded and credited monthly. |
Sources (2)
All captured Oct 3, 2026
Primary Savings
0.05%APY
Primary Share Savings Account earns dividends and is opened upon becoming a member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
Christmas Club Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 3, 2026
Individual Retirement Account (Share IRA)
0.05%APY
Dividends are compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDividends compounded and credited monthly.$250 and up | 0.05% | $5 | Dividends compounded and credited monthly. |
Sources (2)
All captured Oct 3, 2026
Vacation Club Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 3, 2026
Health Savings Account (HSA)
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.01% | $1 |
Sources (2)
All captured Oct 3, 2026
Who can join Avenir Financial
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.
Membership information collected October 4, 2026.