Arizona Central Credit Union


Are you saving for a down payment for a new car or home? Maybe you're looking for a stable, secure account for your retirement funds? No matter what stage of life you're in, a Certificate from Arizona Central may be just what you need.

  • Terms ranging from 6 to 60 months
  • Minimum initial deposit of $1,000 to open account
  • Jumbo rates for balances of $100,000 or more
  • Opportunity to bump up your rate with our Inflate Your Rate Certificate
  • Competitive dividend rates paid quarterly
  • Penalties may apply if you close the account early
  • Special 6-month CU Succeed Certificate with $500 minimum deposit for CU Succeed and Monkey Money members
  • Qualify for a rate bonus of up to 0.50% by using your Central Points, our exclusive member rewards program
  • Rest easy knowing your savings are federally insured to at least $250,000 by the National Credit Union Administration


Inflate Your Rate Certificate

Open an Inflate Your Rate Certificate and if our rate goes up during the term, you can request to rewrite your CD at the higher rate without penalty. If our rate goes down during your CD's term, your rate remains the same. You can "inflate your rate" only once during the term.


†- Inflate Your Rate CD. You have the right to increase your rate once over the term of your CD to our current rate if we raise the rate we pay on this CD during the term of your CD. Terms available: 36, 48, and 60 months only. Consumer accounts only. Central Points offer does not apply when you increase your rate. Other terms and restrictions apply.


  • Branch
  • Online
  • By Phone

How Do I Get Started?

Open a Certificate at any one of our branch locations with a member service representative. You may have the funds transferred from your Member Share Account or bring cash, check or money order for your opening deposit.

How Do I Get Started?

If you're already a member of Arizona Central Credit Union, access your account online with eBRANCH. Once you've logged in, click on "Online Forms" to request your Certificate.

How Do I Get Started?

If you're already a member of Arizona Central Credit Union and have the funds available in your account, you may call (602) 264-6421 or toll free 1-866-264-6421 to open your Certificate. Non-members can call to request an application.


Since 1939 we've been providing Arizona families with friendly, hometown service and convenient, affordable financial solutions. As a member-owned credit union we provide personalized checking, savings, mortgages, and business and personal loans to communities across Arizona, including Phoenix, Tucson, Tempe, Chandler, Glendale, Show Low, and Flagstaff. Arizona Central Credit Union is here to help you achieve financial success for every stage of life.
From Arizona: (602) 264-6421 1-866-264-6421 ABA Routing Number: 322172441

We do business in accordance with the Equal Credit Opportunity Act.

Local First Arizona NCUA Equal Housing Lender