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iAdvertiser Disclosure
Advertiser Disclosure
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 Arizona Central Credit Union Rates & Review April 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: April 19, 2026
Arizona Central Credit Union's money market rates are at 0.55%. Arizona Central Credit Union's Personal Loan Rates are at 9.99%. 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 5.39%. Rates were last updated on 04/19/2026. 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 
Arizona Central Credit Union Money Market Rates
Arizona Central Credit Union 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
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
158
Part-Time Employees
5
Branch Locations
9
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.39%
Return on Assets (ROA)
0.1771%
Return on Equity (ROE)
2.0260%
Non-Performing Loans Ratio (NPL)
0.58%
Total Assets
722,743,433
Total Amount of Shares and Deposits
638,183,750
Total Shares and Deposits < 1 Year
624,584,686
Total Shares and Deposits 1 3 Years
12,375,382
Total Shares and Deposits > 3 Years
1,223,682
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
49,635,621
Total Uninsured Shares and Deposits > $250K (F+J)
49,635,621
Total Insured Shares and Deposits > $250K (item 17 less item K)
588,548,129
Total Interest Expense (Sum of items 6 8)
6,563,962
Share Certificates
2,633
Number of Accounts for Share Drafts
26,564
IRA KEOGH Accounts
1,879
Number of Accounts for Regular Shares
58,133
All other shares
402
Money Market Shares
4,342
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
50,189,461
Total Liabilities
668,320,184
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Arizona Central Credit UnionIs Arizona Central Credit Union a safe place to deposit money?Yes, Arizona Central Credit Union is considered a safe financial institution. With a Texas Ratio of 5.3885561566443%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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