FAQs

Have questions? We have answers!

eBRANCH is the credit union website that allows you to use a personal computer, smart phone, or tablet with an internet connection to conduct your banking online.

Go to eBRANCH by clicking on the login above in the top right hand corner.

  • If you’ve never used Central Phone Banking, your member number will be your login and your temporary password will be the last four digits of the primary account holder’s Social Security number.
  • If you have used Central Phone Banking, your member number will be the login and the Central Phone Banking access code will be your password.

Don’t know your member number? It can be found on your statement or loan documentation. Still can’t find it? Give us a call at (602) 264-6421 or 1-866-264-6421.

Yes, after you use either your Central Phone Banking password or the last four digits of the primary account holder’s Social Security number to login for the first time, you will be prompted to change your password. You can also go to “My Settings” to change your password at any time.

With eBRANCH you can:

  • FREE Online Bill Pay – The faster, greener and more convenient way to pay your bills on time, every time. No more stamps, trips to the post office or late fees. Once in eBRANCH, select the “Bill Pay” option.
  • FREE eStatements – Enjoy the peace of mind that no one will ever have access to your account information via your mailbox. Enjoy these secure, online versions of your account statements. Once in eBRANCH, select “eStatements & Notices”. A new window will open. Choose “Enrollment Options” to sign up and update your preferences.
  • Account Management – Retrieve account histories & balance information, view and print copies of cleared checks, place a stop payment on a check (fees apply).
  • Transfer Funds – Move money easily between your own accounts.  You can also set up transfers of funds to your accounts with other financial institutions if you have a co-owner on the account the other members authorization is required for an external transfer
  • EasyPay Funds Transfer – Transfer funds quickly to someone you know with EasyPay (a PopMoneyTM product). Once in eBRANCH select “External Transfer” under the Move Money menu.
  • Loan Payment – Easily set up automatic payment to any of your Arizona Central loans.
  • FREE Account Alerts – Always know what is happening in your account by setting up your customized account alerts.
  • FREE Budget Management – Take advantage of our FREE FinanceWorksTM budgeting software. Once in eBRANCH select one of the FinanceWorksTM links and you’ll be on your way.

Sign in today to see what else you can do with eBRANCH!

You will need a secure browser that supports 128 bit encryption, such as Internet Explorer, Mozilla Firefox, or Google Chrome. Download the latest versions by clicking your preferred browser icon below.

Use the forgotten password link to reset your password. If you need further assistance, call us at (602) 264-6421 or toll free (866) 264-6421.

Ensuring you have secure access to your account over the Internet is our number one priority. To protect your account, we:

  • Protect the privacy and the confidentiality of the communications between your browser and our servers through data encryption
  • Use passwords and enhanced login features to verify only authorized persons are accessing account information
  • Maintain isolation of our computers from the internet
  • Utilize a time-out feature which ends your banking session after a specified period of inactivity

Have more questions? Visit our Security page for more information.

eBRANCH is a FREE service, provided to our members for convenient account access. Some transactions that are possible to perform inside eBRANCH may have a fee associated with them, such as placing stop payments and skip-a-payment.

Your account information is updated in real time, so you will always have access to the most current transactions that have been posted to your account.

You can access your checking, savings, certificates, Visa® credit card and loan accounts. eBRANCH is intended to give you as much access, security and versatility as possible.

It is now possible to easily transfer money from your account to another Arizona Central member. Log in to eBRANCH, click on “Move Money” from the top navigation bar and click on “send money to member”. The first time you use this functionality you will need to add the member to be linked to your account while using the “add recipient” button. The member you are trying to transfer funds to will need to provide you with their account information in order to complete the transaction. Now the recipient’s information will be stored within your eBRANCH account for future transfers.

You can view your accounts by date, check number, transaction type, transaction description or amount in ascending/descending order. eBRANCH will automatically show the current month’s transactions and information. However, by selecting “User Options”, you can choose to view your account from the current date to same date of the previous month. You will have access to your account history up to six months. Check images are available for up to 90 days after the check has cleared your account.

eBRANCH supports downloads to Quicken® (.qfx), Quickbooks (.qbo), Excel (CSV) or Open Financial Xchange (OFX).

While logged into your account, click on “Secure Forms” located at the top of the page. Next, click on the “Change Address” link to bring up the online form. Complete the form and click submit.

The inactivity time out default is set for 5 minutes.

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

  • Earnest Money: The deposit that is supplied when you make an offer on the house
  • Down Payment: A percentage of the cost of the home that is due at settlement
  • Closing Costs: Costs associated with processing paperwork to purchase or refinance a house, unless the contract negotiates the seller to pay for these costs.

Mortgage loan programs do not allow the seller to pay for your down payment. However, the down payment can be a gift from a relative. Most loan programs permit the seller to pay a percentage of your closing and escrow costs (the seller is not required to pay anything toward your costs).

The total seller assist limit is based on the type of mortgage and the down payment percentage. However, the rules allow the seller to pay a percentage of the buyer’s closing costs if agreed to by the sales contract. Each mortgage “type” has their own seller assist guidelines. Talk to one of our mortgage loan officers for more information.

Your loan is eligible to lock in the interest rate once the offer is accepted on your home and the appraisal is complete. Locking in a rate on a home that you are not sure will qualify for financing is not advisable. Once your appraisal comes back, it will give both your processor and underwriter a better glimpse of the eligibility.

Normally, Pre-Qualifying is the fastest way to find out what price range your agent should be searching for. It will save both you and your agent time. A mortgage loan officer will base the Pre-Qualification off the verbal information or initial application, which does not require proof of income up front.

Pre-Approval is another option. Depending on who you ask, they will say that it’s either a must or not that important. The reason for this is that your Pre-Qualification form, which used to be called an “LSR,” has sections that will be checked off depending on how much information you have provided to your mortgage loan officer. So having your Pre-Qualification form in-hand should be more than sufficient proof for your agent and sellers that you have been qualified for a mortgage loan.

Your Pre-Qualification is valid for 90 days. At that point, your mortgage loan officer will contact you for permission to refresh your credit report. It is a simple process and will extend your Pre-Qualification for another 90 days.

With a fixed rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable rate mortgage (ARM), the interest changes periodically, typically in relation to an index it is associated with. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. We can help you evaluate your choices and help you make the most appropriate decision. You can also use our financial calculator.

For most homeowners, the monthly mortgage payments include three separate parts:

  • Principal: Repayment on the amount borrowed
  • Interest: Payment to the lender for the amount borrowed
  • Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like the homeowner’s insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

PMI is required by the lender in the event the loan-to-value ratio is greater than 80%, which is considered a high-risk scenario. That means less than 20% down payment on a purchase or less than 20% equity on refinance transactions. Mortgage insurance protects the lender in case the borrower defaults on the mortgage, while benefiting the borrower by allowing very little down payment or equity. Mortgage insurance, associated with the loan, should not be confused with homeowner’s insurance, which protects the borrower’s house in cases of fire and natural disasters.

Annual Percentage Rate (APR) reflects the yearly cost of a loan, including the interest, mortgage insurance and lender and third-party fees. APR is expressed as a percentage and it involves a complicated mathematical calculation. Always higher than the nominal rate (used to calculate your payment), APR serves as informational or comparative purposes and it can be found on the Loan Estimate and Closing Disclosure.

An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

If you have sufficient equity, we can roll in all of your closing costs and pre-paids into your new loan.

There are several reasons you may want to consider refinancing, including take out a loan against the equity in your home, to lower your interest rate, extend or shorten your term, or to remove a borrower from the loan.

Your Real Estate agent will ask for “earnest money” or an “earnest deposit” from you when your offer is accepted. This is a good faith deposit that will be applied to the amount you will need to bring to closing. The amount you will need to bring to closing will consist of down payment and closing costs.

Some programs require a minimum credit score but there are programs that consider situations such as hardships as an explanation. Talk to one of our mortgage loan officers for further information.