Arizona Central Credit Union

First Mortgages

Arizona Central Credit Union is committed to helping you find the right mortgage for your needs. We make the process of securing a mortgage simple and straightforward by providing you with the information you need to make sound financial choices.



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As your local hometown lender, we've been serving families like yours since 1939, with more than 60,000 members across Arizona, including Phoenix, Scottsdale, Tucson, Glendale, Chandler, Tempe, Flagstaff and Show Low.   

Home buyers across the country are securing home loans at historically low interest rates. Furthermore, first-time buyers may qualify for special loan programs to purchase a home of a higher value. In Arizona, mortgages from the Arizona Central Credit Union can help finance the purchase of a home in a variety of ways.
The terms of a home mortgage from Arizona Central Credit Union give first-time and experienced home buyers flexibility in crafting the loan that is appropriate for their financial situation. We offer mortgages in Arizona at both fixed rates and variable rates (also known as adjustable rate mortgages, or ARMs). Fixed rate loans and variable rate loans each have certain advantages for home buyers, and Arizona Central Credit Union can help you decide what type of mortgage is the best fit for you.

A mortgage with a fixed interest rate means monthly mortgage payments stay the same for the lifetime of the loan. Fixed rate mortgages from Arizona Central Credit Union are available as 10, 15, 20, and 30 year loans, with down payments of between 5% and 20% typically required at closing. Fixed rate loans are more predictable than ARMs – planning and budgeting is easier when a mortgage payment stays the same month to month.

Variable rate mortgages, on the other hand, involve monthly payments which are subject to change periodically based on a number of factors. Usually the interest rate of an ARM is tied to an overall index of interest rates, with a specified margin rate agreed upon in the terms of the mortgage. Some of the indexes commonly used to set interest rates include the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), One-Year Treasury Bills, and the London Interbank Offered Rate (LIBOR).

The best way to find the first mortgage in Arizona that's right for you and your family is to get in touch with Arizona Central Credit Union. Our representatives have years of experience helping to secure stable financing for our members. We're dedicated to providing borrowers with the information and resources they need to decide what kind of mortgage they can afford and the home that suits their needs.

Arizona Central Credit Union has been an essential resource for thousands of families across the state looking to purchase the home of their dreams. Since 1939, our membership has grown to over 60,000 members from 2,000 employee groups across the state of Arizona, with 10 full-service branch locations and access to over 43,000 surcharge-free ATMs throughout the country.

Questions? Contact us today at (602) 523-8189 (toll free 1-866-264-6421, ext.8189).

Company NMLS#: 485260

*Homepage rates are updated weekly. Please refer to the table above for the most current rates.


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