Arizona Federal Credit Union is different than your typical bank. That's because we're not a bank at all! We're a member-owned financial cooperative based right here in Arizona, and we exist to serve the best interests of our members, not outside stockholders. With the power of 140,000+ members, we're able to offer low-cost accounts and services for consumers and small business, leading-edge mobile apps, competitive rates on loans and deposits, and nationwide ATM and branch access. At Arizona Federal you get the convenience of a big national bank with the benefits of banking local.