A Roth IRA or Traditional IRA Helps You Save for Retirement

An Individual Retirement Account with Arizona Financial gives you a way to prepare for retirement and enjoy special tax advantages. Choose between a Certificate or Money Market IRA. 

Open an Individual Retirement Account (IRA) at one of our branch locations or call 602-683-1000.

Schedule Appointment

IRA Money Market Rates

Arizona Financial offers competitive IRA Money Market to help you reach your individual retirement goals with having the flexibility of not having a term. 
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
1.49%
APY*
1.50%
Minimum to
Earn APY*
$250,000
Dividend
Rate
2.23%
APY*
2.25%
Minimum to
Earn APY*
$500,000
Dividend
Rate
2.47%
APY*
2.50%
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
2.72%
APY*
2.75%
Effective December 16, 2024

*APY – Annual Percentage Yield. Minimum opening deposit is $0. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings. Minimum balance to earn APY is $1,000.

*APY – Annual Percentage Yield. Minimum opening deposit is $0. The dividend rate and yield may change every month as determined by the Credit Union Board of Directors. Fees may reduce earnings. Minimum balance to earn APY is $1,000.

Get Started

Schedule an appointment or call 602-683-1000 to get started

Schedule Appointment

IRA Certificate Rates

Arizona Financial offers competitive IRA certificate rates to help you reach your individual retirement goals.
Term
Minimum to
Earn APY*
Dividend
Rate
APY*
Term
6 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.93%
APY*
4.00%
Term
12 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.69%
APY*
3.75%
Term
18 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.45%
APY*
3.50%
Term
24 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
3.20%
APY*
3.25%
Term
36 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.72%
APY*
2.75%
Term
48 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.72%
APY*
2.75%
Term
60 Months
Minimum to
Earn APY*
$1,000
Dividend
Rate
2.72%
APY*
2.75%
Effective December 16, 2024

*APY – Annual Percentage Yield. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Withdrawal of dividends prior to maturity will reduce your earnings. Certificates that renew automatically will receive the rate in effect on the date of renewal. There is a 10-day grace period at maturity. Non-renewals do not earn dividends after maturity. You have agreed to leave the principal of this account on deposit for the full term stated on your Certificate deposit receipt. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty. We may grant a penalty waiver in the cases of the owner's death or for withdrawals payable to an IRA owner as a normal post 59 ½ distribution. Withdrawals resulting in a balance less than the required minimum must be closed. Penalty amounts may exceed earnings. Fees could reduce the earnings on the account.

*APY – Annual Percentage Yield. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates. Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Withdrawal of dividends prior to maturity will reduce your earnings. Certificates that renew automatically will receive the rate in effect on the date of renewal. There is a 10-day grace period at maturity. Non-renewals do not earn dividends after maturity. You have agreed to leave the principal of this account on deposit for the full term stated on your Certificate deposit receipt. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge you a penalty. We may grant a penalty waiver in the cases of the owner's death or for withdrawals payable to an IRA owner as a normal post 59 ½ distribution. Withdrawals resulting in a balance less than the required minimum must be closed. Penalty amounts may exceed earnings. Fees could reduce the earnings on the account.

Get Started

Schedule an appointment or call 602-683-1000 to get started

Schedule Appointment
young family with financial planner talking about how to start saving for retirement with roth ira or traditional ira

It's Time to
Start Saving for Retirement

With a Roth IRA or a Traditional IRA, it's never too early or too late to start saving for retirement. Start planning today. 
Get Started
It's Simple to Get Started

Open your Roth IRA or Traditional IRA with as little as $1,000 for an IRA Certificate or $0 for a Money Market IRA.

Take Control of your IRA

Choose a Money Market IRA without an ending term or a Certificate IRA with terms of 12, 18, 24, 36, 48 or 60 months.

Special Tax Advantages

Enjoy special tax advantages for those who qualify (consult your tax advisor).

Your IRA Funds

Roll over funds from other qualified programs, they're federally insured up to at least $250,000.