Arizona Central Credit Union

Lower your loan rate with Central Points Member RewardsIncrease your certificate rate with Central Points Member RewardsWaive a fee with Central Points Member Rewards

Central Points™ Member Rewards

Getting rewarded has never been easier! With our Central Points program, we reward you simply for being a member.

Central Points is designed to help you earn more on deposits, save more on loans, and enjoy discounts on the everyday products and services you use at Arizona Central.

Signing Points

Signing Up for Central Points

We make it easy! All members are automatically enrolled.

As you continue to save, borrow and use services with Arizona Central, your Central Points balance will continue to grow.

No registration forms. No ID cards. You're automatically enrolled when you become a member.

Earning Points

Earning Central Points

With Central Points, you're in control. The more products and services you use, the more points you earn.

  • Earn one Central Point for each dollar you earn in dividends on all consumer deposit accounts.
  • Earn one Central Point for each dollar you pay in interest on all consumer loans, excluding real estate loans. 
  • Earn 100 Central Points each year during the month of your membership anniversary.
  • Earn 500 Central Points when you refer a new member to the credit union.
  • Earn even more points with our LifeStyle Checking Accounts when you use online Bill Pay or make signature-based purchases with your Visa® Check Card.
Using Points

Using Your Central Points

You may be asking your, "Well, what do I do with all these points?" That's the fun part. You spend them to get more from Arizona Central and more for your money.

Lower the interest rate on a new consumer loan:
  • 2,500 Central Points1 lowers your rate by 0.25%
  • 5,000 Central Points1 lowers your rate by 0.50%
Increase the dividend rate on a new Certificate.
  • 2,500 Central Points1 raises your rate by 0.25%
  • 5,000 Central Points1 raises your rate by 0.50%

Waive fees. For many of the fees we charge, you can use your Central Points to waive or have a fee refunded.

Redeeming Points

Redeeming Your Central Points

Earning points is easy. Redeeming them for great rewards is even better.

Each month we print your current Central Points balance at the top of your account statement. Simply contact us or come into one our branch locations and ask to begin using the points you've already earned.

1 Points required per $50,000 invested or borrowed.

Central Points Terms & Conditions: Consumer accounts only. Business accounts do not qualify for Central Points Program. May be used on qualifying consumer loans. Mortgage, Home Equity, HELOC, Lines of Credit, Credit Cards do not qualify. May not be used to waive fees that are more than one statement cycle old. Maximum two fees waived per month. Maximum certificate term 36 months. Maximum loan term 72 months. Maximum loan discount 0.50%. Maximum certificate bonus 0.50%. Rate cannot go below 3%.


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