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Top credit unions in Arizona ranked by best APR.
Sort the best APR by loan type, and see how these rates affect car payments in our Arizona car payment calculator. Car rates are for 72 months. The rates listed are the best offered by the top credit unions in AZ for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating. Sort rates by clicking the top of the list. |
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OneAZ Credit Union OneAZ was established in 1951 and has over 185,000 members at 25 credit unions in Arizona. It was created for government employees working in AZ, but now all Arizona residents are eligible to join. OneAZ ranks #1 on our 2025 credit union list for competitive rates on all loan types with top customer service. Headquarters: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027 |
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Arizona Financial Credit Union
Arizona Financial CU was established in 1936 and serves over 165,000 members at 22 locations in Arizona. It started for Phoenix City employees. The field of membership includes the counties: Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai, or Yuma. Everyone else can join through Local First Arizona. Headquarters: 333 N 44th St, Phoenix, AZ 85008
TruWest Credit Union TruWest was founded in 1952 and has 100,000 members from 14 credit unions in Arizona. It was created for Motorola technicians. The field of membership includes residents of the counties: Maricopa, Pima, Pinal, Travis, Williamson, or Yavapai. Others can join after making a donation to an affiliated non-profit organization. Headquarters: 1667 N Priest Dr, Tempe, AZ 85281 |
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Arizona Central Credit Union
Arizona Central CU was established in 1939. It has 60,000 members at 9 branches in Phoenix, Tucson, Flagstaff, and Show Low. The ways to join include all Arizona residents. Headquarters: 2020 N Central Ave, Phoenix, AZ 85004
Avenir Financial Credit Union
Avenir was founded in 1942 and has 35,000 members from 5 locations in AZ. The first office was on 8th Street in Yuma, and the first members were employees at the Board of Education. The field of membership includes Yuma or La Paz County. Avenir would rank higher on our 2025 list of top credit unions if membership was available to more AZ residents. Headquarters: 1780 S First Ave, Yuma, AZ 85364 |
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Copper State Credit Union
Copper State CU was established in 1951 to serve Arizona state employees. It has over 50,000 members at 10 locations. Membership availability includes AZ government employees and residents of the counties: Gila, Maricopa, Navajo, Pima, Pinal, and Yavapai. Everyone else can join after making a donation to AZ Helping Hands. Headquarters: 15458 N 28th Ave, Phoenix, AZ 85053
Tucson Federal Credit Union
Founded in 1937 by AZ educators, Tucson FCU serves 65,000 members at 8 unions. The ways to join include residents of Pima County. Headquarters: 1160 N Winstel Blvd, Tucson, AZ 85716
Hughes Federal Credit Union
Established in 1952, Hughes FCU serves 180,000 clients at 7 branches in AZ. It began for airplane techs at the Hughes Aircraft Company. Membership is available to the residents of Tucson, or through an affiliated organization as listed in the ways to join. Headquarters: 971 W Wetmore Rd, Tucson, AZ 85705
Desert Financial Credit Union Established in 1939, Desert Financial CU has over 450,000 members at 50 branches. It is the largest credit union in Arizona. The field of membership includes all AZ residents. Headquarters: 148 N 48th St, Phoenix, AZ 85034 |
