Personal Savings and Money Market Accounts

• $5 minimum deposit to open account¹
• Monthly dividends paid
• Set up Automatic Transfers from your checking account!

View Member Share Rates

Are you saving for a special goal? With this account you can keep your funds separate in an account named by you. If you have multiple savings goals, you can even have multiple accounts all under your one membership number. Each month your statement will reflect the name you have chosen so you can keep track of your funds and your savings goals!

• Open each account with as little as $0!
• No monthly service fees
• Set up Automatic Transfers from your checking account!

View Savings Rates

Let your savings work harder for you. Your money is easily accessible, and you’ll earn higher dividends than with a regular savings account. The higher your balance, the higher the dividend rate earned.

• 1,000 minimum deposit required to open account
• When an average daily balance of $1,000 is maintained, there is no monthly service fee.²
  • A monthly service fee of $15 will be applied to all accounts that do not maintain this average daily balance
• 3 withdrawals per month at no charge
• Set up Automatic Transfers from your checking account!

View Money Market Rates

Different savings accounts are designed to meet different savings goals and needs. For those who are new to saving or don’t have a lot to put down, a simple personal savings account may be best. If you’re saving for multiple goals—a major purchase, a vacation, or just because—consider one or more You-Name-It Savings accounts. These allow you to put money toward a specific goal.

For those who want a higher interest rate, a money market account may be a better choice. You’ll have less access to your funds—up to 3 withdrawals without fees—but interest rates are higher than a traditional savings account.

If you’re saving up for something, you may want to leave your money to sit. But if it’s time to make that big purchase, or even if you just want to pull some money out for a rainy day, it’s good to know you can withdraw money from a savings or money market account. Different accounts have limits to how many times you can withdraw and you may be subject to maintaining a minimum balance or face penalties.

All of our savings accounts give you the capability to set up automatic recurring transfers from your checking to your savings account! So you can grow your savings while you sleep, (literally)! Set it and Forget it! Here’s how to get started:

1. Login to eBRANCH
2. Select Move Money and click Make a Transfer
3. Select the accounts you want to transfer From and To along with the Amount
4. Click Repeat Transfer
5. Schedule your Transfer Frequency – it’s easy!

One of the major benefits of a savings account is that your money is compounded with interest. Interest is the cost of borrowing money. When you take out a loan, you pay interest because you borrowed, but when you put money in a savings account you get paid interest, because you’re lending money to the bank. The bank, like Arizona Central, will set an interest rate and will offer an annual percentage yield (APY). An APY is a combination of the interest rate and how often the interest compounds.

At Arizona Central our interest rates compound annually, meaning the interest rate is the same as your APY.

Calculate your savings with our Annual Percentage Yield Calculator.

Since 1939, we’ve proudly served Arizona with financial services and benefits that go beyond what regular banks are able to offer. From providing you with higher interest rates on your savings to lower banking fees, we aim to give you a better experience at every step.