Arizona Central Credit Union Phoenix AZ | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to Arizona Central, your trusted financial partner located at 2020 N Central Ave Ste 100, Phoenix, AZ 85004. Since our establishment in 1939, we have proudly served our community, becoming a cornerstone of support for over 56,648 members who rely on us for their banking needs. With total assets exceeding $691 million and total deposits amounting to $30,547,844, we are committed to providing you with a secure and reliable banking experience. At Arizona Central, we understand that each member's financial journey is unique. That's why we offer a range of services tailored to your needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Our dedicated team of 170 employees, led by CEO Greg Harden and Board President Mark Denke, is here to ensure that you receive the highest level of service possible. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 2020 N CENTRAL AVE STE 100, PHOENIX, AZ 85004. Whether you're looking for assistance with loans or simply want to explore your options in online and mobile banking, we're ready to help you every step of the way. With a net worth of $64,024,516 and over 28,851 loans and leases issued, Arizona Central stands strong in its commitment to member satisfaction and community impact. We encourage you to reach out at 602-264-6421 or visit our website at azcentralcu.org for more information. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Join Us Today

As we look toward the future, Arizona Central remains committed to enhancing the financial well-being of our members while fostering a strong sense of community. We invite you to join us on this journey experience firsthand the benefits of being part of Arizona Central. Together, let's build a brighter financial future!

Our Journey

Located at 2020 N Central Ave Ste 100, Phoenix, AZ 85004, our branch has witnessed significant changes in the financial landscape. From the moment we opened our doors, we set out to provide affordable and accessible financial services to everyone in our community. As time progressed, we embraced innovation while maintaining our core values of trust, integrity, and service. Our growth is not just reflected in numbers but also in the relationships we've built. We've adapted to the evolving needs of our members by offering a range of services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. With convenient operating hours Monday, Tuesday, Thursday, and Friday from 9 AM to 5:30 PM and Wednesday from 10 AM to 5:30 PM we strive to be available when you need us most.

Our Mission

At Arizona Central, our mission is clear: we are dedicated to empowering our members through reliable financial services while actively participating in community initiatives. We believe that by supporting local events and organizations, we can make a meaningful impact beyond banking. We understand that every member's journey is unique. That's why we've invested in digital advancements like online banking and mobile payments to ensure that managing finances is easier than ever. Our ATM availability and drive-thru banking options also provide convenience for those who prefer face-to-face interactions or quick transactions on the go. While members can visit us at 2020 N Central Ave Ste 100 Phoenix Az 85004, official correspondence should be sent to 2020 N CENTRAL AVE STE 100, PHOENIX, AZ 85004. If you have any questions or need assistance, don't hesitate to reach out at 602-264-6421.

Branch Location & Accessibility

A Friendly Reminder

While members can visit us at 2020 N Central Ave Ste 100 for all their banking needs, official correspondence should be sent to the same address as our mailing address is also 2020 N CENTRAL AVE STE 100, PHOENIX, AZ 85004.

Easy Access and Convenience

At Arizona Central, we understand that convenience is key. That's why our branch features ample parking and accessible entrances to accommodate all members. If you prefer to bank from your car, take advantage of our drive-thru service, where you can handle deposits, withdrawals, and other simple transactions without ever leaving your vehicle. For those who enjoy banking on the go, we offer ATM services right on-site. You can easily access your funds anytime you need them! If you're planning a visit, keep in mind that our lobby hours are designed to fit your busy schedule: we're open Monday through Tuesday and Thursday through Friday from 9 AM to 5:30 PM, with extended hours on Wednesday starting at 10 AM.

Join Us!

We're excited to serve you with a variety of personal banking options including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more! Whether you're looking for assistance with everyday banking or planning your financial future, our dedicated team is here to help. Have questions? Feel free to give us a call at 602-264-6421. We can't wait to see you at Arizona Central!

Member Eligibility

Joining the Arizona Central community means stepping into a world where your financial well-being is our priority. To become a member, you'll need to meet a few friendly eligibility criteria. Generally, individuals who live, work, worship, or attend school in Maricopa County are welcome to join us. This inclusive approach ensures that our services are available to a wide range of people in our vibrant community. If you're ready to experience the benefits of membership like personalized service, lower loan rates, and exclusive offers it's easy to get started! For detailed eligibility information, check out our resource at . Once you've confirmed that you qualify, opening an account is a breeze! Just visit us at our branch located at 2020 N Central Ave Ste 100 Phoenix Az 85004, or give us a call at (602) 264-6421 for assistance. Our team is here to guide you through each step of the process. We can't wait to welcome you into the Arizona Central family!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $61 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $11 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $68,269,044, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly from your customers whether they prefer credit cards, mobile payments, or online transactions. Our merchant services are designed to enhance customer satisfaction and streamline your operations. Located at 2020 N Central Ave Ste 100 Phoenix Az 85004 in Phoenix, AZ, our team is ready to assist you in navigating the financial landscape of running a successful business. Reach out today at (602) 264-6421 to learn how we can help fuel your growth!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? At Arizona Central, we provide competitive auto loans and vehicle financing options tailored just for you. With flexible terms and rates, our goal is to help you drive away in the car of your dreams without breaking the bank.

Business Banking Services

For our business members, we offer comprehensive banking solutions including merchant services and business loans. We know how crucial it is to have reliable financial support when running a business, so let us partner with you to fuel your growth.

Convenient Access Anytime, Anywhere

At Arizona Central, convenience is key. Our digital banking features allow you to access accounts via online platforms or through our mobile app perfect for those busy days when time is tight. Plus, with ATM access available at locations near you and drive-thru service for quick transactions, managing your finances has never been easier. If you're ready to explore these services further or if you have any questions, don't hesitate to reach out! Call us at (602) 264-6421 or visit us at 2020 N Central Ave Ste 100 Phoenix Az 85004 in Phoenix, AZ. Let us assist you in achieving your financial goals today!

Credit Cards with Rewards

Our credit cards not only provide a convenient way to make purchases but also come with rewards that give back! Enjoy cashback on everyday spending or points that can be redeemed for exciting travel opportunities. It's all about making your money work harder for you.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're purchasing your first home or looking to refinance an existing mortgage for better terms, our experienced staff will guide you through the process, making it straightforward and stress-free.

Personal Banking Solutions

We offer a variety of personal banking services that make it easy for you to manage your money. Our checking and savings accounts come with features that cater to everyday needs, whether you're saving for a vacation or handling monthly expenses. Imagine easily accessing your funds through online and mobile banking, allowing you to check balances, transfer money, and even pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our personal loans come in handy. If you're dealing with high-interest debt, consider our debt consolidation options that can simplify payments and lower interest rates. We aim to help you regain control over your financial situation.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking platform, accessible at https://www.azcentralcu.org/ , you can take control of your finances 24/7. Want to view your account statements? No problem! We offer e-statements so you can go paperless and access your documents whenever you need them. Additionally, if you're on the go, our mobile application makes banking even more convenient manage your accounts right from your smartphone. Transferring money is a breeze with our person-to-person transfer feature. You can send money to friends or family instantly without any hassle. Plus, if you prefer using mobile payments, we support that too! This means you can pay for purchases directly from your phone without fumbling for cash or cards. Security is paramount in our digital services. We utilize electronic signature authorization for a safe and smooth experience when signing important documents online. You can feel confident knowing that your information is protected while using our services. In a world where time is valuable, our digital banking solutions provide the accessibility and ease-of-use that you deserve. Real-time account management allows you to stay updated on your financial situation anytime, anywhere. With Arizona Central, enjoy the flexibility of modern banking while knowing that your assets are secure. Experience the future of banking today!

Financial Strength

Growing Together

Total Share and Deposit Accounts: 100,936, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,312,762 further highlights our commitment to providing value to our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Arizona Central is your trusted partner. Visit us at 2020 N Central Ave Ste 100 Phoenix Az 85004 or call (602) 264-6421 to learn more about how we can help you achieve your financial goals.

Investing in Our Future

With $60,980,048 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $7,811 in used auto loans and $580,161,361 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $84,753,804 in share certificates and $172,238,441 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 166 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $64,024,516, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $922 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $131,397,618 in used vehicle loans and $156,333,615 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easy for you to drive off with the car that fits your lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $68,269,044 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to improve an existing one, our commercial lending options are tailored to meet your specific needs. At Arizona Central, we prioritize making financing accessible and straightforward for all our members. We also provide refinancing options if you're looking to lower your monthly payments or access cash from your existing equity. If you're interested in learning more about how our loan offerings can benefit you or want assistance with eligibility questions, feel free to give us a call at 602-264-6421 or visit us at 2020 N Central Ave Ste 100 Phoenix AZ 85004. For performance insights and financial data regarding our offerings and services, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Lines

For those who need extra flexibility in their budget, our total credit lines amounting to $184,542,334 provide an excellent solution. These lines can help cover anything from emergency costs to planned purchases without having to apply for a separate loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $98,800,693, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team will work closely with you to find the best terms available.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $8,662,765 in loans helping members manage their finances effectively. These cards can be a great way to handle unexpected expenses while building your credit history at the same time.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to using verified data ensures that the loan offers presented are fair and transparent.

ARIZONA CENTRAL CREDIT UNION