What are the current interest rates at Arizona Central Credit Union?

Current rates for Arizona Central Credit Union include: Savings: 0.10%, MMA: 2.12%

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Arizona Central Credit Union

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Arizona Central Credit Union Rates & Review October 2026

Q: Is a member application needed to join Arizona Central Credit Union?

Yes, to access services at Arizona Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Arizona Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Arizona Central Credit Union's top rates as of October 9, 2026 are 0.10% APY on savings, 2.12% APY on money market accounts, 0.05% APY on checking, 7.48% on its Mortgage, personal loans from 7.00% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Arizona Central Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.52%. Rates last updated and verified on 10/09/2026.

Arizona Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Arizona Central Credit Union? Share your experience about Arizona Central Credit Union by leaving a review below, or read customer reviews before you decide to use Arizona Central Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.52%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Arizona Central Credit Union
2020 Corporate Offices

2020 N Central Ave Ste 200
Phoenix, AZ 85004

https://www.azcentralcu.org

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Arizona Central Credit Union Savings Rates

Product	Rate	APY
Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
You-Name-It Savings	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.10%	2.12%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Money Market	2.10%	2.12%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 + Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
NextGEN Money Market	2.10%	2.12%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
NextGEN Money Market	2.10%	2.12%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 + Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Money Market	1.50%	1.51%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
NextGEN Money Market	1.50%	1.51%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Money Market	0.90%	0.90%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Money Market	0.90%	0.90%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
NextGEN Money Market	0.90%	0.90%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
NextGEN Money Market	0.90%	0.90%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Money Market	0.80%	0.80%
Min Deposit $1,000 Min Balance $1 Details Balance: $1.00 - $10,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.60% → 0.80% ▲ 0.20 pts · high 0.80% / low 0.60% Sep 22, 20260.80%▲ from 0.60% Sep 14, 20260.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
NextGEN Money Market	0.80%	0.80%
Min Deposit $500 Min Balance $1 Details Balance: $1.00 - $10,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.60% → 0.80% ▲ 0.20 pts · high 0.80% / low 0.60% Sep 22, 20260.80%▲ from 0.60% Sep 14, 20260.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.90%	0.90%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $1.00 $50,000.00 $100,000.00 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Business Money Market	0.65%	0.65%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $1.00 $50,000.00 $100,000.00 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Business Money Market	0.55%	0.55%
Min Deposit $5,000 Min Balance $1 Details Balance: $1.00 $50,000.00 $100,000.00 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Classic Checking	0.05%	0.05%
Min Deposit $0 Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Mortgage	-	-	7.482%	30-year
Details As low as; The posted APR's (Annual Percentage Rate) are based on 80% Combined Loan To Value (CLTV), a 30, 15 or 10 year repayment term and a loan amount of 200,000 with a credit score of 740 or higher and a discount fee. Your rate may be higher depending upon your credit history and CLTV. The APR includes fees associated with the loan which will range depending on the loan program. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.85% → 7.48% ▲ 0.63 pts · high 7.48% / low 6.85% Oct 9, 20267.48%▲ from 6.98% Sep 22, 20266.98%▲ from 6.85% Sep 14, 20266.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	6.75%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Fixed Rate Home Equity Loan	7.50%	-	7.50%	10 year
Details Rates as low as 7.50%!; The posted APR's (Annual Percentage Rate) are based on 85% Combined Loan To Value (CLTV), a 10 year repayment term and a loan amount of $100,000. Your rate may be higher depending upon your credit history and CLTV. Account set-up fees include $250 processing fee, $185 document preparation fee, and $14 flood determination. Additional fees, ranging from $150 - $1,200 may be required for title search and appraisal. A tax service fee of $75.00 will apply if loan is in first lien position. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.50%	up to 48 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Credit Card Rates

Product	Rate	APR
Visa Gold	-	10.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Visa Classic	-	13.90%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Visa Secured	-	13.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Home Improvement Loan	7.00%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Arizona Central Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Closed End Loan	-	-	6.535%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
Line of Credit	-	-	11.65%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
You-Name-It Loan	-	-	8.99%	Up to 12 Months
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 8.99% ▼ 1.00 pts · high 9.99% / low 8.99% Oct 9, 20268.99%▼ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
You-Name-It Loan	-	-	10.99%	Up to 36 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
You-Name-It Loan	-	-	12.40%	Up to 60 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%
IRA Share	0.05%	-	0.05%
Min Deposit $1 Min Balance $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Arizona Central Credit Union’s Texas Ratio rose from 5.92% in Q3 2023 to 8.52% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$733M	8.52%	5.0	A
March 31, 2026	$734M	5.93%	5.0	A+
December 31, 2025	$722M	6.12%	5.0	A
September 30, 2025	$723M	5.01%	5.0	A+
June 30, 2025	$722M	6.91%	5.0	A
March 31, 2025	$725M	5.15%	5.0	A+
December 31, 2024	$689M	12.72%	5.0	A
September 30, 2024	$691M	8.43%	5.0	A
June 30, 2024	$744M	5.51%	5.0	A+
March 31, 2024	$760M	3.83%	5.0	A+
December 31, 2023	$743M	6.73%	5.0	A
September 30, 2023	$751M	5.92%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Arizona Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Arizona Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Arizona Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Arizona Central Credit Union

Website https://www.azcentralcu.org

Address 2020 N Central Ave Ste 200, Phoenix, AZ 85004

Phone 602-264-6421

Fax

President MARK DENKE

CEO Brian Lee

Full-Time Employees 155

Part-Time Employees 3

Branch Locations 10

ATM Locations 10

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.52%

Return on Assets (ROA)

0.2554%

Return on Equity (ROE)

2.9041%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

733,393,551

Total Amount of Shares and Deposits

648,047,430

Total Shares and Deposits < 1 Year

630,511,202

Total Shares and Deposits 1 3 Years

17,095,945

Total Shares and Deposits > 3 Years

440,283

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

47,590,554

Total Uninsured Shares and Deposits > $250K (F+J)

47,590,554

Total Insured Shares and Deposits > $250K (item 17 less item K)

600,456,876

Total Interest Expense (Sum of items 6 8)

4,410,256

Share Certificates

2,767

Number of Accounts for Share Drafts

24,474

IRA KEOGH Accounts

1,448

Number of Accounts for Regular Shares

55,322

All other shares

1,429

Money Market Shares

4,311

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

36,632,962

Total Liabilities

676,027,006

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Arizona Central Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Arizona Central Credit Union

How many branches does Arizona Central Credit Union operate?

Arizona Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Arizona Central Credit Union?

Yes, to access services at Arizona Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Arizona Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Arizona Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Arizona Central Credit Union offer online and mobile banking?

Most modern institutions like Arizona Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.azcentralcu.org.

Current Arizona Central Credit Union Rates

Savings0.10%
MMA2.12%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Arizona Central Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Arizona Central Credit Union Texas Ratio

Arizona Central Credit Union Health Trend

Arizona Central Credit Union Savings Rates

Arizona Central Credit Union Business Savings Rates

Arizona Central Credit Union Money Market Rates

Arizona Central Credit Union Business Money Market Rates

Arizona Central Credit Union Business Checking Rates

Arizona Central Credit Union Mortgage Rates

Arizona Central Credit Union Home Equity & HELOC

Arizona Central Credit Union Auto Loan Rates

Arizona Central Credit Union Credit Card Rates

Arizona Central Credit Union Personal Loan Rates

Arizona Central Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Arizona Central Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Arizona Central Credit Union

How many branches does Arizona Central Credit Union operate?

Is a member application needed to join Arizona Central Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Arizona Central Credit Union offer online and mobile banking?

Current Arizona Central Credit Union Rates

Compare to Other Credit Unions