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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Arizona Central Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Arizona Central Credit Union's savings rates are at 0.10%. Arizona Central Credit Union's money market rates are at 2.12%. Arizona Central Credit Union's checking rates are as high as 0.05%. Arizona Central Credit Union's Personal Loan Rates are as low as 7.00%. Arizona Central Credit Union's Credit Card Rates are at 10.90%. Arizona Central Credit Union's savings rates are 87% lower than the MonitorBankRates national average, and it has an A health rating. 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 10/29/2026. 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. Arizona Central Credit Union
2020 Corporate Offices 2020 N Central Ave Ste 200
https://www.azcentralcu.org Phoenix, AZ 85004  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
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 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 HistoryArizona 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Customer Reviews
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Frequently Asked Questions About Arizona Central Credit UnionWhat is the highest savings rate at Arizona Central Credit Union?The highest Arizona Central Credit Union savings rate is its Business Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Arizona Central Credit Union?The highest Arizona Central Credit Union money market rate is its Money Market at 2.12% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Arizona Central Credit Union?The highest Arizona Central Credit Union checking rate is its Business Classic Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Arizona Central Credit Union?The lowest Arizona Central Credit Union auto loan rate is its New Auto Loan at 5.50% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Arizona Central Credit Union?The lowest Arizona Central Credit Union personal loan rate is its Unsecured Home Improvement Loan at 7.00% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Arizona Central Credit Union?The lowest Arizona Central Credit Union credit card APR is its Visa Gold Credit Card at 10.90% APR, verified by MonitorBankRates as of October 29, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Arizona Central Credit Union rates compare?Arizona Central Credit Union's savings rates are 87% lower than the MonitorBankRates national average, and it has an A health rating. Arizona Central Credit Union's top rates are its Business Savings at 0.10% APY, its Money Market at 2.12% APY, its Business Classic Checking at 0.05% APY, its Unsecured Home Improvement Loan at 7.00% APR and its Visa Gold Credit Card at 10.90% APR, verified by MonitorBankRates on October 29, 2026. Current Arizona Central Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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