Tired of paying high banking fees and being treated like a number? Take a look at a fresh alternative and consider Arizona Central for your banking needs.
You Belong Here!
Explore the many secure, rewarding, & local benefits of banking with Arizona Central Credit Union. We take the time to understand your unique financial goals and offer personalized banking solutions tailored to your specific needs.
PLUS – we are so confident that you will love our credit union, we are willing to pay you just to give us a try!1
Refer a Friend – Get a BONUS!
Already have a membership? For a limited time, we are giving $100 for every new member you refer to AZCCU!1
Here’s What You Will Need
- Open a checking account and perform at least fifteen (15) signature-based debit card transactions.
- Sign up for eStatements.
- Have direct deposit of at least $250/month.
- Valid Social Security number
- Valid government-issued ID number
- Date of Birth
- Mailing address, email address and phone number
- When prompted choose “I work for or belong to one of AZ Central CU’s partners” to continue with your application
If you are not a U.S. citizen or you are subject to backup withholding, you will not be able to apply online.
Deposit Insurance
Arizona Central Credit Union is state-chartered and regulated by the Arizona Department of Financial Institutions and the National Credit Union Association (NCUA).
The National Credit Union Share Insurance Fund (NCUSIF) insures savings of at least up to $250,000 per account with additional coverage of up to $250,000 for certain retirement accounts. The NCUSIF is administered by the National Credit Union Administration (NCUA), an agency of the federal government
As further protection of member funds, an additional bond covers such risks as fraud, theft, robbery, embezzlement and forgery.
1. Must be a NEW member with no existing accounts at Arizona Central Credit Union (AZCCU). Existing primary members and joint owners opening a new membership do not qualify. Former members qualify as a new member if their previous account was closed at least 12 months prior to the new open date. Must be an Arizona resident to qualify for promotion. Proof of residency required. To qualify, within 60 days of Account opening the new member must perform the following three (3) requirements: 1. Have a minimum monthly direct deposit* of $500, AND 2. Sign up and remain enrolled in eStatements, AND 3. Perform at least fifteen (15) Debit Card transactions totaling a minimum of $100/month. The new member will receive 50% of the monetary bonus deposited to their Member Share Savings Account once the above (3) requirements have been met and the remaining 50% of the monetary bonus will be deposited following an additional 5 consecutive months of meeting these (3) requirements. Bonuses will be awarded in the following tiers: $500 minimum monthly Direct Deposit = $250 one-time bonus to new member; $1,000 minimum monthly Direct Deposit = $500 one-time bonus to new member. APY on checking accounts range from 0% to 0.10% APY based on product type and may vary. Minimum to earn APY is $1.00. Fees may reduce earnings. Bonus is considered interest and will be reported on IRS Form 1099-INT. Cannot be combined with any other offers. Offer valid for new accounts opened by 12/31/2024. Employees, officers and directors of AZCCU are not eligible. If the account is closed prior to receiving the balance of the bonus, the initial bonus amount will be withdrawn from the account prior to closing. Referring member will receive a $100 one-time referral bonus at time of new members first payment of their monetary bonus. Offer must be mentioned at the time of account opening to be eligible. Terms and conditions subject to change without notice. Federally insured by NCUA. *Direct Deposit is defined as a recurring deposit of regular income to members AZCCU Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll/benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network. Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g. IRS tax refunds), do not constitute Direct Deposit activity. AZCCU shall, in its sole discretion, assess each account holder’s Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification.
