Save more! Our Savings Account pays dividends

One of the best1 Savings Accounts in Arizona is right here at Arizona Financial!

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Ways to Use Your Savings Account

blonde girl with glasses on her laptop learning about ways to use a savings account

  1. Emergency Savings

    Establishing at least three to six months of your estimated monthly expenses can help prepare you for the unexpected.

  2. Financial Goals

    If you are saving for a down payment on a vehicle or a home, a Savings Account is a great choice to help reach your goals.

  3. Your Next Adventure

    You work hard, you should play hard! Save for your next vacation or well-deserved big-ticket item purchase.

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The Best Savings Account1 For Your Hard-Earned Money

Trying to save for the holidays, a special trip or home improvements? You can open up to 10 Savings Accounts for each of your savings goals. Start saving money and organizing your finances by opening an Arizona Financial Savings Account today!

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Simple to Open

With a minimum opening deposit requirement and no monthly service fee, opening a Savings Account couldn't get any easier!

Use as Overdraft Protection

Open a Savings Account today to act as a safety net when or if you overdraw your Checking Account.

Easy Money Management

Set up automatic transfers to make saving easy and convenient. Transfer funds using online banking or through the mobile app.

Grow Your Savings

Create a unique name for each Savings Account inside online banking to help you stay focused on your goals.

Savings Account Rates

It's never too early, or too late, to start saving. With a minimum of only $25 to earn dividends, you can easily put your savings to work!
Account Name
Minimum to
Earn APY*
Dividend
Rate
APY*
Account Name
Basic Savings
Minimum to
Earn APY*
$25
Dividend
Rate
0.20%
APY*
0.20%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$10,000
Dividend
Rate
3.45%
APY*
3.50%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$500,000
Dividend
Rate
3.54%
APY*
3.60%
Account Name
High-Yield Savings
Minimum to
Earn APY*
$1,000,000
Dividend
Rate
3.74%
APY*
3.80%
Account Name
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. Fees may reduce earnings. 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. Fees may reduce earnings. No minimum opening deposit is required.

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man sitting while opening a savings account on a tablet

What You'll Need to Open Your Savings Account

Opening an Arizona Financial Savings Account online is so easy! Here's what you'll need:

  • Debit or credit card, cash or check to make your initial deposit.
  • Valid driver's license, state ID card, or passport.
  • Information to pass your verification questions.

Please remember, you must be 18 or older to open an account online with up to two joint owners and both the applicant and any joint owners' identities will be verified as part of the account opening process. You understand and agree that the USA PATRIOT Act of 2001 obligates all persons seeking to open an account to fully comply with the identity verification requirements of the Bank Secrecy Act, as amended from time to time. Transactions to/from any accounts may be limited until ID verification of all applicable persons is completed.

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1 Forbes names Arizona Financial #1 Credit Union in Arizona for 2024. 

Savings Account Resources

Calculator

How Long Until I Reach My Savings Goal?

Setting a goal and making that commitment to reaching is rewarding. See how long it will take you to reach your savings goal.

Find Out
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Frequently Asked Questions

Why do I need a Savings Account?

A Savings Account with Arizona Financial is a safe, secure way to protect and grow your money. Plus, with online banking and the mobile app, you'll always have convenient access to your funds.

Financial advisors recommend having three to six months of expenses set aside in a savings account for emergencies.   

Can I use my Savings Account as Overdraft Protection?

Yes, you can link your Savings Account to your Checking Account to automatically transfer available funds to cover transactions that would overdraw your account. 

There's no fee for this service. Please contact us to set up this option. 

How do I make saving easy and convenient?

Setting up automatic transfers from your Checking Account to your Savings Account can make the process of saving easy and convenient. Just set it and forget it.

Log in to online banking or the mobile app to set up automatic transfers to your account.

Do you offer Savings Accounts for kids and teens?

Yes, we offer unique savings accounts for both kids and teens with special features to help them on their financial journey. 

How can I track my savings goals?

At Arizona Financial, you can open up to 10 Savings Accounts to track each one of your goals. You can also give each account its own nickname (e.g., emergency fund, new car, vacation, etc.) inside online banking to stay better organized.    

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.

 

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