--- title: "Arizona Central Credit Union Rates (Sep 2026): Mortgage 6.54%" description: "Arizona Central Credit Union rates today: mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Arizona Central Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/arizona/arizona-central-credit-union" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Arizona Central Credit Union Rates (Sep 2026): Mortgage 6.54% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **First Mortgage Loan** other | — APR | 6.375% | — | Standard | | **15 Year Term** other | — APR | 6.375% | — | Standard | | **First Mortgage Loan Rates (15 Year Term)** other | 6.540% APR | 6.375% | — | Standard | | **10 Year Term** other | — APR | 6.625% | — | Standard | | **First Mortgage Loan Rates (10 Year Term)** other | 6.859% APR | 6.625% | — | Standard | | **30 Year Term** other | — APR | 7.250% | — | Standard | | **First Mortgage Loan Rates (30 Year Term)** other | 7.356% APR | 7.250% | — | Standard | Arizona Central Credit Union mortgage rates as of September 25, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **48-Month New Auto Loan (2022 and Newer)** auto_new_48mo | — APR | 5.500% | 48 mo · new | Standard | | **63-Month New Auto Loan (2022 and Newer)** auto_new_63mo | — APR | 5.700% | 63 mo · new | Standard | | **75-Month New Auto Loan (2022 and Newer)** auto_new_75mo | — APR | 6.350% | 75 mo · new | Standard | | **New Auto Loan (2022 and Newer)** auto_new | — APR | 6.750% | new | Standard | Arizona Central Credit Union auto & vehicle rates as of September 25, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Rates (Closed End)** heloc | — APR | 6.535% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 6.750% | — | Standard | | **Home Equity Loan** heloc | — APR | 6.750% | — | Standard | Arizona Central Credit Union heloc rates as of September 25, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Loan Types & Rates (Unsecured Home Improvement)** personal_unsecured | — APR | 7.000% | — | Standard | | **Loan Types & Rates (You-Name-It Loan ™ Up to 12 Months)** personal_unsecured_12mo | — APR | 9.990% | 12 mo | Standard | | **Loan Types & Rates (You-Name-It Loan ™ Up to 36 Months)** personal_unsecured_36mo | — APR | 10.990% | 36 mo | Standard | | **Loan Types & Rates (Line of Credit)** ploc_variable | — APR | 11.650% | — | Standard | | **Loan Types & Rates (You-Name-It Loan ™ Up to 60 Months)** personal_unsecured_60mo | — APR | 12.400% | 60 mo | Standard | Arizona Central Credit Union personal loan rates as of September 25, 2026 As of September 25, 2026, Arizona Central Credit Union offers mortgage rates from 6.54% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/arizona/arizona-central) , verified from [Arizona Central Credit Union's official website](https://www.azcentralcu.org/) Loading branch locator… ## About Arizona Central Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 46.8K Assets $733.7M Founded 1939 Locations reported 11 NCUA charter 62881 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Desert Financial** ASU Downtown · Phoenix · AZ · 85004 About 0.2 miles away](https://rateapi.dev/credit-unions/arizona/desert-financial) [**Mountain America** 0188 Phoenix McDowell Rd · Phoenix · AZ · 85004 About 1.0 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) [**Banner** Banner West Tower Office · Phoenix · AZ · 85006 About 1.1 miles away](https://rateapi.dev/credit-unions/arizona/banner) [**Marisol** Main Office · Phoenix · AZ · 85007-2034 About 1.3 miles away](https://rateapi.dev/credit-unions/arizona/marisol) [**Oneaz** MONROE · PHOENIX · AZ · 85007 About 1.7 miles away](https://rateapi.dev/credit-unions/arizona/oneaz) [**U-Haul** Corporate Office · Phoenix · AZ · 85004-4625 About 1.8 miles away](https://rateapi.dev/credit-unions/arizona/u-haul) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Arizona Central Credit Union Membership eligibility from Arizona Central Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . **Open to anyone.** Anyone can become a member — no employer, location, or affiliation requirement. Verified from [Arizona Central Credit Union's membership page](https://www.azcentralcu.org/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for Arizona Central Credit Union Open to anyone 1 published path to membership, last verified August 27, 2026, quoted from Arizona Central Credit Union’s own published criteria. ### Open to anyone 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 “Everyone is welcome to apply!” > [source ↗](https://www.azcentralcu.org/join-us-today/) - Open to anyone Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Arizona Central Credit Union? Yes No ## Work at Arizona Central Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Arizona Central Credit Union ranks against Arizona peers. - See which AI assistants fetched Arizona Central Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Arizona - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=arizona-central&state=arizona&code=AZ&name=Arizona%20Central%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Arizona Central Credit Union offer? Arizona Central Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified September 25, 2026 directly from the credit union's official website. ### How often are Arizona Central Credit Union rates updated? RateAPI verifies Arizona Central Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified September 25, 2026. ### Where does RateAPI get Arizona Central Credit Union's rate data? Rate data is collected directly from Arizona Central Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Arizona Central Credit Union's mortgage rate? As of September 25, 2026, Arizona Central Credit Union offers mortgage rates from 6.54% APR. ### Who can join Arizona Central Credit Union? Anyone can join Arizona Central Credit Union — there is no employer, location, or affiliation requirement. RateAPI tracks 1 published membership path for Arizona Central Credit Union, each quoted from Arizona Central Credit Union's own published membership criteria. ## Related Rate Data Compare Arizona Central Credit Union's rates against national credit-union benchmarks. [More Arizona credit unions](https://rateapi.dev/credit-unions/arizona) [Arizona mortgage rate leaders](https://rateapi.dev/mortgage-rates/arizona) [Arizona auto loan rate leaders](https://rateapi.dev/auto-loan-rates/arizona) [Arizona HELOC rate leaders](https://rateapi.dev/heloc-rates/arizona) [Arizona personal loan leaders](https://rateapi.dev/personal-loan-rates/arizona) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.azcentralcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Arizona Central Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Arizona credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Arizona Central Credit Union curl "https://api.rateapi.dev/credit-unions/arizona /arizona-central " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Arizona Central Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/arizona/arizona-central-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp