No stored Google rating available.
Arizona Financial Credit Union is a member-owned, not-for-profit financial institution serving Arizona families and small businesses since 1936, offering mortgages, auto loans, business services, and credit-building products.
Data compiled from public sources
Arizona Financial Credit Union has operated as a reported local financial institution in Arizona for nearly 90 years, establishing itself as a community-focused credit union. Founded in 1936, the organization has built its reputation on serving both individual members and small business owners throughout the state. As a credit union, Arizona Financial operates on a member-owned, not-for-profit model, which means profits are returned to members rather than external shareholders.
The credit union offers a comprehensive range of financial services spanning consumer and commercial banking. For consumers, their primary offerings include mortgage lending (home purchase, refinance, and construction loans), auto loans with member-exclusive discounts and car-buying services, youth savings and teen checking accounts, and credit-building products like secured credit cards and secured loans. For businesses, Arizona Financial provides small business checking, commercial credit cards, and commercial loans. All members have access to Zelle P2P payments through their online and mobile banking platforms.
Arizona Financial distinguishes itself through its emphasis on local community involvement and member experience. The institution highlights its charitable work, community impact programs, and employee culture as core differentiators. They offer member-exclusive benefits including auto loan rate discounts (currently 0.25% discount during their spring car sale), skip-a-payment programs allowing members to defer one payment annually, and access to a Member Resource Center for account management and financial education resources.
As a credit union, Arizona Financial is NCUA-insured (like all federal credit unions), providing the same deposit protection as FDIC-insured banks. Their positioning as a local, community-oriented institution with member benefits and rate claims to verify makes them competitive for Arizona residents seeking traditional banking services. However, as a regional credit union, they may have more limited product sophistication or technology features compared to larger national banks, and membership is restricted to those meeting their field of membership requirements.
This is state-level context for Credit Unions consumers in Phoenix, AZ. It does not confirm that Arizona Financial or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Arizona Financial processed 3,374 mortgage applications in 2023, with 68.6% recorded as approved across 13 states.
3,374
Applications
68.6%
Approval Rate
$124K
Avg Loan
13
States Served
Based on 3,374 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Arizona Financial offers 14 services including Home purchase mortgages, Home refinancing and construction loans, Auto loans with member rate discounts, Member car-buying services, Youth savings accounts, and 9 more.
Arizona Financial has profile signals associated with Arizona families seeking home purchase or refinance mortgages with local, community-focused service, First-time car buyers interested in member-exclusive auto loan rates and car-buying assistance, Young adults and teenagers building credit through youth accounts and secured credit products, Small business owners in Arizona needing relationship-based commercial banking services.
Key strengths: Member-exclusive auto loan rate discounts (0.25% currently available during promotional periods); Skip-a-payment program allowing eligible members to defer one loan or credit card payment annually; Comprehensive mortgage services including first-time buyer guidance, construction loans, and refinancing. Areas to consider: Limited to members meeting field of membership requirements (not open to all Arizona residents); Regional credit union with potentially fewer technology features or product options than larger national institutions.
In the Credit Unions category, comparable providers include Arizona Financial Credit Union, Banner Federal Credit Union, OneAZ Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Arizona Financial is best suited for Arizona residents who qualify for credit union membership and want relationship-based banking with local decision-making and member-exclusive benefits. The primary caveat is that membership eligibility is restricted by field of membership requirements, so not all consumers can join, and as a regional credit union, they may lack some technology features or listed products available at larger national institutions.
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.
Google rating from 1,320 reviews
Profile signals: 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 is a member-owned financial institution serving Banner Health employees and families with competitive loan rates, deposit accounts, and digital banking services.
Google rating from 8 reviews
Profile signals: 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%
OneAZ Credit Union is a federally-chartered credit union offering checking, savings, loans, and wealth management services with branches across Arizona including a Glendale location near ASU West.
Google rating from 960 reviews
Profile signals: ASU West students and staff seeking convenient on-campus banking, Arizona credit union members seeking competitive savings and auto loan rates
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Arizona Financial and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.