Accelerate your business
Earn up to 4.00%*

With convenient access and premium rates, grow your savings faster and risk-free with our best business savings account options.

High-Yield Savings
Money Market Account
Basic Savings

Business Savings Account Rates

Earn dividends when you maintain a balance of $25 or more in your Business Savings Account.
Account Name
Minimum to
Earn APY*
Dividend
Rate
APY*
Account Name
Business Basic Savings
Minimum to
Earn APY*
$25
Dividend
Rate
0.20%
APY*
0.20%
Account Name
Business High-Yield Savings
Minimum to
Earn APY*
$10,000
Dividend
Rate
3.45%
APY*
3.50%
Account Name
Business High-Yield Savings
Minimum to
Earn APY*
$500,000
Dividend
Rate
3.54%
APY*
3.60%
Account Name
Business High-Yield Savings
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
3.74%
APY*
3.80%
Account Name
Business High-Yield Savings
Minimum to
Earn APY*
$2,000,000
Dividend
Rate
3.93%
APY*
4.00%
Effective October 1, 2024

*APY – Annual Percentage Yield. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. No minimum opening deposit is required.

*APY – Annual Percentage Yield. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. No minimum opening deposit is required.

Let's Get Started:
blonde woman with glasses leaning over a counter while on a mobile phone

High-Yield Savings Account Features

One of the best business bank accounts for your savings is right here at Arizona Financial Credit Union. This savings account offers you the convenience you need and the simplicity you are looking for.
Get Started
Opening Deposit

With a deposit of $10,000 to open your High-Yield Business Savings Account, you’ll enjoy earning higher returns from a financial services provider you can trust.

Convenient Access

Access your High-Yield Business Savings Account at one of our local branches, or quickly transfer funds with online banking or the mobile app. 

Guaranteed Dividends - Up to 4.00% APY*

Receive dividends and grow your hard-earned business savings. Your money is federally insured up to $250,000.

Not The Perfect Fit?
Looking for even greater returns on your funds? Explore our High-Yield Certificates of Deposit.

Business Savings Account Options

Feel confident your savings will earn dividends while you build reserves for operating expenses, long-term growth and more.

Business Savings

High-Yield

Business

Money Market

Business Savings

Basic

1. No monthly minimum balance fee of $15 if the daily balance does not drop below $2,000.

Business Money Market Account

Business Money Market Account Rates

Enjoy competitive dividends without the risk when you open this Money Market Account specifically designed for your business.
Minimum to
Earn APY*
Dividend
Rate
APY*
Minimum to
Earn APY*
$1,000
Dividend
Rate
0.50%
APY*
0.50%
Minimum to
Earn APY*
$25,000
Dividend
Rate
1.00%
APY*
1.00%
Minimum to
Earn APY*
$50,000
Dividend
Rate
1.74%
APY*
1.75%
Minimum to
Earn APY*
$250,000
Dividend
Rate
2.47%
APY*
2.50%
Minimum to
Earn APY*
$500,000
Dividend
Rate
2.72%
APY*
2.75%
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
2.96%
APY*
3.00%
Effective May 1, 2024

*APY – Annual Percentage Yield. The minimum opening deposit is $2,000. Monthly service fee is $15 if the balance drops below the minimum daily balance requirement of $2,000. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Refer to the Rate and Fee Schedule for a complete list of fees.

*APY – Annual Percentage Yield. The minimum opening deposit is $2,000. Monthly service fee is $15 if the balance drops below the minimum daily balance requirement of $2,000. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Refer to the Rate and Fee Schedule for a complete list of fees.

Get Started With a Business Money Market:
man on laptop in workshop looking at business money market

The Right Business Money Market Account for You

Arizona Financial is proud to offer our business members an opportunity to earn more money on their savings without additional risk. Your business can count on your savings being there when you need it most.
Apply Now
Low Minimum Deposit

Boost your savings by opening our Business Money Market Account with a minimum deposit of only $2,000. 

Easily Access Your Funds

Receive unlimited over-the-counter withdrawals and the ability to write checks.

Tiered Interest Rates

Our flexible tiers allow you to invest what you can comfortably afford and what works best for your unique business.

Not The Perfect Fit?

Looking for a different savings option for your business? Explore our Business Savings Account and Business Certificate options.

two women next to each other with one opening a box and the other on a laptop

Business Certificates

If you're looking for guaranteed growth and the flexibility to select a timeline that works for your finances, our Business Certificate options may be the perfect solution!

  • $1,000 minimum to open
  • 6 months to 60 months terms
  • Federally insured by the NCUA up to $250,000
  • Guaranteed growth
Learn More

Business Resources

Link

Treasury Management

Streamline your business finances and improve cash flow with our treasury management services. Review account management, payments, receivables, fraud detection, and sweep accounts service options.

Learn More
Guide

Ultimate Guide: Applying For A Business Loan

A business loan can help a business establish itself, expand its line of products, open a new location, move, and so much more. Here’s all you need to know about applying for a business loan.

Read More
Blog Post

What Does It Cost To Start A Business?

Start-up costs can add up quickly, but if you plan for them, you can launch with confidence and avoid running out of money before you make any. Here are some tips to get you an estimate.

Read More

Frequently Asked Questions

What documentation is required to open a business account?

Account opening documents are listed based on the type of business you have.

  • Limited Liability Company (LLC) and Corporation and Nonprofit Corporation:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year.
    • Articles of Organization and appropriate amendments as filed with the Arizona Corporation Commission.
    • Bylaws or Operating Agreement is most commonly required if all managers/members will not be listed on the account.
    • Good Standing: The business must reflect as active and in good standing on the Arizona Corporation Commission website.
  • Partnership or General Partnership:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year.
    • Partnership Agreement or General Partnership Agreement
    • Secretary of State Name Filing
  • Nonprofit Organization:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year.
    • Meeting Minutes
    • Good Standing: The business must reflect as active and in good standing on the Arizona Corporation Commission website.
  • Organization or Club Account:
    • Confirmation of Employer Identification (EIN) on form SS-4 from the IRS or the signed tax return from the previous year. (If an EIN is being used for the organization or club)
    • Meeting Minutes
    • Name, address and phone numbers for all officers.
What is the requirement for Arizona Financial to serve my business?

For Arizona Financial to serve a business, the business must be within our field of membership as described below. Please call us if you have any questions and we’ll be happy to help.

Arizona Financial's field of membership includes Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai and Yuma counties.

Immediate family or individuals in the same household of a current member are eligible.

Individuals who have made a donation of at least $15 to Local First Arizona are eligible.

A business must meet one of the following field of membership requirements:

  • The known place of your business is within our field of membership.
  • The business has a substantial physical presence or substantially serves the residents within our field of membership.
    • This usually means that at least 51% of physical locations or revenue are within our field of membership.
  • All members, managers and/or officers live, work, or attend school within our field of membership.

Routing # 322172797

Arizona Financial’s website may provide links to third party sites, independent from Arizona Financial Credit Union. These links are provided only as a convenience and do not constitute an official endorsement of the website or application. Arizona Financial does not manage the operation or content of these third-party websites or applications. The privacy and security policies of the websites or applications may differ from those of Arizona Financial Credit Union.


Arizona Financial Credit Union is committed to making our products and services accessible to all of our members. Your experience is important to us. We strive to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our website, please call us at 602-683-1000 so that we may promptly assist you in getting the information you need in a method that is accessible to you.

Important Notices for website users: Please take note that we track user communications, their digital method of communicating, and whether the user clicked on content after using the general search feature or chatbot. This information may be disclosed to others in accordance with our privacy policy. Also, online banking users accessing our secure site with confidential information is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators may be prosecuted to the fullest extent of the law.

 

©2024 Arizona Financial Credit Union