- Light up the season with Arizona Central's Holiday Loan Specials!
- Action Alert: Help us defend Arizona Central's card program
- Turn to Arizona Central for your home loan solutions
- Make your money go further this holiday season with Skip-A-Payment
- Get answers to your questions with online chat & secure email
- Surviving through the economic recovery with confidence
Look to Arizona Central this season to help you with your lending needs! We are offering great deals to brighten your holidays!
Auto Loan rates as low as 3.49% APR*
Add some sparkle to the holidays by trading in your old car for a new one! With auto loan rates as low as 3.49% APR with a 0.50% Central Points discount, what are you waiting for?
Holiday Cash Loans as low as 9.99% APR*
Need a little cash this season to purchase gifts, a flight home or even to consolidate debt? We are offering a 9.99% APR Holiday Cash Loan for up to $5,000. Now that's a rate that can brighten anyone's season!
Take advantage of our Holiday Loan Specials today!
Rates this low don't come around often and just in time for the holidays! Apply at your nearest branch, online or by calling (602) 264-6421 (toll free 1-866-264-6421).
Hurry! These offers ends December 31, 2009!
* APR = Annual Percentage Rate, effective as of Nov. 1, 2009, subject to change. APR based on creditworthiness & loan term. Advertised Auto Loan rate includes ½% Central Points discount. Qualify for a ¼% discount with 2,500 Central Points or ½% discount with 5,000 Central Points. Maximum loan discount is ½%. Contact us to see if you qualify. Holiday Cash Loan does not qualify for discounts.
Background: Each time you use your debit or credit card, a merchant is paid immediately and the credit union that issues your card receives interchange. This interchange reflects a merchant's fair share of the costs of this convenient system. Interchange supports everything from re-issuing cards compromised by merchant data breaches to providing a call center to contact if your card is lost or stolen. There are currently a number of proposals in Congress to reduce that interchange.
Credit Union Member Concerns: If you carry a credit card or debit card issued by Arizona Central or any other credit union, interchange supports the card program you depend upon. If interchange were reduced and could no longer adequately support the credit union’s card programs, you may end up paying more to use your debit and credit cards or we may no longer be able to offer cards at all.
Action Needed: Please send a message to your federal legislators TODAY urging them to oppose any legislation which would reduce interchange. A prewritten letter is available for your use, where you can personalize and send an email or print and fax a letter. (This message will be directed to the appropriate legislators based on the address you enter.)
Thank you for your participation in this important Action Alert!
For more information click here.
Benefits of an Arizona Central First Mortgage
We offer a variety of mortgage options to fit almost any situation. Your loan officer will guide you along the way to find the program that best suits your financial needs.
- Competitive interest rates & fees
- Simple application process
- No prepayment penalties
- Free credit analysis
- Variety of programs – conventional 30- and 15-year fixed-rate mortgages, FHA, VA, first-time buyers, vacation homes, investment properties, and refinances
First-time homebuyers tax credit extended, plus $6,500 for repeat home buyers!
If you're planning on cashing in on the $8,000 federal tax credit for first-time homebuyers, there is no time to delay! To qualify, you must close escrow no later than April 30, 2010.
Plus, for qualified move-up/repeat home buyers (existing home owners), you may be eligible for a tax credit of up to $6,500 by purchasing a principal residence after November 6, 2009 and on or before April 30, 2010.
For more information about these programs, consult your tax adviser or visit the IRS website.
Benefits of an Arizona Central Home Equity Loan
Your best source of credit may be closer than you realize. The equity you’ve built in your home can help you fund home improvements, major purchases, education expenses, and even debt consolidation.
Let Arizona Central help you realize your dreams with a Home Equity Loan. Stop by your nearest branch location or call (602) 264-6421 (toll free 1-866-264-6421) to learn more or to apply today.
To help stretch your budget, you may skip your loan payment, on qualifying loans*, one time during the calendar year.
Here’s how to get started:
- Stop by your nearest branch to complete the Skip-A-Payment Amendment or download a copy. If you’re an eBRANCH user, simply login to your account to submit the form electronically. Once logged in, click the “Online Forms” link.
- Send a check for the total amount due ($25 processing fee per loan), or complete the authorization to deduct the fee from your account. You may be eligible to waive this fee through our Central Points program.
- Submit your form at least 10 days before payment is due, but no more than 30 days prior to the due date.
* The following loans are not eligible: Visa Credit Cards, Lines of Credit, Mortgage & Home Equity loans, Certificate-Secured loans, Business Loans, TDR loans, currently delinquent loans, accounts with unpaid fees, first payments on new loans cannot be skipped, and back-to-back payments cannot be skipped (i.e. Dec. 2009 and Jan. 2010). If you are not approved for Skip-A-Payment, you will be notified in writing. Other conditions and restrictions may apply.
- Login to eBRANCH and click “Secure Support” to access online chat
- Online chat is available Mon., Tues., Thurs. & Fri., 8:30 a.m. - 6 p.m.; Wed., 10 a.m. - 6 p.m.; and Sat., 9 a.m. - 1 p.m.
- Login to eBRANCH and click “Secure Support” to send an email
- Within one business day or less, we’ll respond to your question
- You’ll receive an email notification once we’ve responded; just login to eBRANCH, click “Secure Support,” and check your email inbox for your respons
The U.S. has seen many recessions and every one has been followed by a recovery.
What does that mean to you?
The swift movements over this past year have left many people confused and without direction. It is always important to have a roadmap to our financial future regardless of whether the market is recovering or booming.
Working with a professional adviser can help you develop that roadmap and assist you in reaching your financial goals. Some key areas to consider are:
- How to get back on track toward retirement
- Understanding investment choices
- 401(k) or pension plan rollovers
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. FR090914-8DF8