Best Credit Unions in Phoenix, AZ

Compare 12 credit unions companies serving Phoenix, Arizona. Average rating: 4.3/5.

12 Companies 12 Rated Payday: Banned

Arizona Lending Regulations

Arizona banned payday lending in 2010, providing strong consumer protections against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions or the Attorney General's Consumer Protection Division.

Usury cap: 36% APR cap on consumer loans; payday lending banned since 2010 Agency: Arizona Attorney General Consumer Protection Division

Top-Rated Credit Unions

Arizona Financial Credit Union logo

Arizona Financial Credit Union

Arizona Financial Credit Union is a member-owned financial institution serving Arizona families and small businesses since 1936, offering banking, lending, and financial coaching services.

4.5/5
Free BBB: NR

Best for: Arizona residents seeking relationship-based banking with local decision-makers and community involvement, First-time homebuyers needing guidance through the mortgage process with experienced loan officers

Banner Federal Credit Union logo

Banner Federal Credit Union

Banner Federal Credit Union is a member-owned financial institution serving Banner Health employees and families with competitive loan rates, deposit accounts, and digital banking services.

4.4/5
Contact BBB: NR

Best for: Banner Health employees and their families seeking member-owned financial institution benefits, Consumers looking for competitive auto, motorcycle, and RV financing with rates below 7%

Pima Federal Credit Union logo

Pima Federal Credit Union

Pima Federal Credit Union is a member-owned financial institution offering checking, savings, credit cards, home loans, and business banking services with local expertise and competitive rates.

4.4/5
Contact BBB: NR

Best for: First-time homebuyers seeking personalized guidance and local lending expertise, Small business owners needing comprehensive banking and merchant services

Arizona Financial Credit Union - Operations Center - No Branch Access logo

Arizona Financial Credit Union - Operations Center - No Branch Access

Arizona Financial Credit Union is a member-owned financial institution serving Arizona families and small businesses since 1936, offering checking, savings, loans, mortgages, and business services.

4.3/5
Contact BBB: NR

Best for: Arizona-based individuals and families seeking relationship-focused banking with local community engagement, Small business owners needing commercial checking, loans, and credit card services with local expertise

Desert Financial Credit Union - ASU Phoenix Campus logo

Desert Financial Credit Union - ASU Phoenix Campus

Desert Financial Credit Union operates multiple branches and ATMs across Phoenix, including campus locations at ASU and community colleges, offering comprehensive banking and lending services to members.

4.3/5
Contact BBB: NR

Best for: ASU students and faculty seeking convenient on-campus banking with extended hours and campus-located branches, First-time homebuyers in the Phoenix area interested in specialized mortgage programs and down payment assistance

Desert Financial Credit Union - Phoenix East Bell logo

Desert Financial Credit Union - Phoenix East Bell

Desert Financial is an Arizona-based credit union offering comprehensive banking, lending, and investment services to members across multiple Phoenix-area locations.

4.3/5
Contact BBB: NR

Best for: Arizona residents and students seeking full-service banking with convenient local branch access, First-time homebuyers in Phoenix interested in specialized mortgage programs and down payment assistance

All Credit Unions in Phoenix (12)

Arizona Financial Credit Union logo

Arizona Financial Credit Union

Arizona Financial Credit Union is a member-owned financial institution serving Arizona families and small businesses since 1936, offering banking, lending, and financial coaching services.

4.5/5
Free BBB: NR

Best for: Arizona residents seeking relationship-based banking with local decision-makers and community involvement, First-time homebuyers needing guidance through the mortgage process with experienced loan officers

Banner Federal Credit Union logo

Banner Federal Credit Union

Banner Federal Credit Union is a member-owned financial institution serving Banner Health employees and families with competitive loan rates, deposit accounts, and digital banking services.

4.4/5
Contact BBB: NR

Best for: Banner Health employees and their families seeking member-owned financial institution benefits, Consumers looking for competitive auto, motorcycle, and RV financing with rates below 7%

Pima Federal Credit Union logo

Pima Federal Credit Union

Pima Federal Credit Union is a member-owned financial institution offering checking, savings, credit cards, home loans, and business banking services with local expertise and competitive rates.

4.4/5
Contact BBB: NR

Best for: First-time homebuyers seeking personalized guidance and local lending expertise, Small business owners needing comprehensive banking and merchant services

Arizona Financial Credit Union - Operations Center - No Branch Access logo

Arizona Financial Credit Union - Operations Center - No Branch Access

Arizona Financial Credit Union is a member-owned financial institution serving Arizona families and small businesses since 1936, offering checking, savings, loans, mortgages, and business services.

4.3/5
Contact BBB: NR

Best for: Arizona-based individuals and families seeking relationship-focused banking with local community engagement, Small business owners needing commercial checking, loans, and credit card services with local expertise

Desert Financial Credit Union - ASU Phoenix Campus logo

Desert Financial Credit Union - ASU Phoenix Campus

Desert Financial Credit Union operates multiple branches and ATMs across Phoenix, including campus locations at ASU and community colleges, offering comprehensive banking and lending services to members.

4.3/5
Contact BBB: NR

Best for: ASU students and faculty seeking convenient on-campus banking with extended hours and campus-located branches, First-time homebuyers in the Phoenix area interested in specialized mortgage programs and down payment assistance

Desert Financial Credit Union - Phoenix East Bell logo

Desert Financial Credit Union - Phoenix East Bell

Desert Financial is an Arizona-based credit union offering comprehensive banking, lending, and investment services to members across multiple Phoenix-area locations.

4.3/5
Contact BBB: NR

Best for: Arizona residents and students seeking full-service banking with convenient local branch access, First-time homebuyers in Phoenix interested in specialized mortgage programs and down payment assistance

Desert Financial Credit Union - Phoenix Black Canyon logo

Desert Financial Credit Union - Phoenix Black Canyon

Desert Financial Credit Union is an Arizona-based credit union offering comprehensive banking, lending, and investment services to members across Phoenix with multiple branches and 24/7 ATM access.

4.2/5
Contact BBB: NR

Best for: Arizona residents seeking convenient branch and ATM access across Phoenix metro area, First-time homebuyers and community service members (teachers, firefighters, etc.) qualifying for specialized mortgage programs

Desert Financial Credit Union - Phoenix Desert Sky logo

Desert Financial Credit Union - Phoenix Desert Sky

Desert Financial Credit Union is an Arizona-based credit union offering comprehensive banking, lending, and investment services through multiple Phoenix-area branches and 24/7 ATMs.

4.2/5
Contact BBB: NR

Best for: Arizona residents in Phoenix seeking comprehensive banking with local branch access and community focus, Car buyers looking for auto loans with dealership connection services (AutoSMART)

Desert Financial Credit Union - Papago ATM logo

Desert Financial Credit Union - Papago ATM

Desert Financial Credit Union operates a Papago ATM location providing surcharge-free cash access through the Co-op network of 30,000+ ATMs across the U.S.

4.1/5
Contact BBB: NR

Best for: Desert Financial Credit Union members needing 24/7 cash access in Papago area, Arizona residents with Desert Financial accounts seeking surcharge-free ATM network

Global Credit Union logo

Global Credit Union

Global Credit Union is a full-service credit union offering checking, savings, loans, credit cards, mortgages, and insurance products to members.

4.1/5
Contact BBB: NR

Best for: Military members and veterans seeking specialized banking services and housing programs, Individuals and families seeking comprehensive financial services including banking, lending, and insurance from a single institution

SunWest Credit Union logo

SunWest Credit Union

SunWest Credit Union of Arizona is a local, not-for-profit financial institution offering checking, savings, auto loans, home equity products, and digital banking services across Arizona locations.

4.1/5
Contact BBB: NR

Best for: Arizona residents seeking auto loans and home equity products from a member-owned, community-focused institution, Consumers who prioritize transparency and local banking relationships over national bank convenience

Vantage West Credit Union - Closing March 20 logo

Vantage West Credit Union - Closing March 20

Arizona-based credit union offering checking, savings, CDs, loans, and financial coaching with community reinvestment focus.

4.1/5
Contact BBB: NR

Best for: Arizona residents seeking competitive savings rates before closure date, Small business owners in Arizona needing business banking services