Q2 2026 call reports
Best credit unions in Arizona
Scored on what members get, from the call reports filed with NCUA for the quarter ended June 30, 2026, the best credit union serving Arizona is Aero Federal Credit Union with 73.7 out of 100, followed by Firefighters First Federal Credit Union (72.5) and Trugrocer Federal Credit Union (70.9). The score weighs deposit dividends, loan rates, fees, financial strength and member growth against credit unions of the same size.
No paid placements and no reviews: only NCUA figures. A credit union must hold at least $50 million in assets and be well capitalized to be scored. Check that you are eligible to join.
- Best for saversAmerican Airlines Federal Credit Union 96th percentile
- Lowest loan ratesCopper State Credit Union 78th percentile
- Lowest feesTrugrocer Federal Credit Union 95th percentile
- Strongest balance sheetMayo Employees Federal Credit Union 96th percentile
Top 25 credit unions in Arizona most people can look at
Credit unions headquartered in Arizona or with offices there that estimate 100,000 or more potential members on their call report, or that anyone in the US can join. Each part is a percentile against NCUA peers of the same size, 100 best; the score is their weighted average.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Aero Federal Credit UnionGlendale, AZ | 73.7 | 91 | 70 | 75 | 74 | 36 | $364.4M |
| 2 | Firefighters First Federal Credit UnionLos Angeles, CA · 1 office here | 72.5 | 70 | 72 | 82 | 58 | 92 | $2.5B |
| 3 | Trugrocer Federal Credit UnionBoise, ID · 1 office here | 70.9 | 57 | 61 | 95 | 65 | 93 | $320.1M |
| 4 | Mayo Employees Federal Credit UnionRochester, MN · 1 office here | 68.6 | 40 | 63 | 89 | 96 | 58 | $1.5B |
| 5 | Credit Union WestGlendale, AZ | 64.2 | 91 | 31 | 62 | 63 | 87 | $1.5B |
| 6 | Copper State Credit UnionPhoenix, AZ | 61.7 | 45 | 78 | 59 | 47 | 98 | $700.8M |
| 7 | Idaho Central Credit UnionChubbuck, ID · 2 offices here | 60.8 | 91 | 48 | 43 | 40 | 95 | $15.5B |
| 8 | American Airlines Federal Credit UnionFort Worth, TX · 2 offices here | 60.4 | 96 | 48 | 49 | 62 | 22 | $9.5B |
| 9 | Pentagon Federal Credit UnionMcLean, VA · 1 office here · open to anyone | 57.6 | 76 | 51 | 85 | 36 | 17 | $29.2B |
| 10 | Vantage West Credit UnionTucson, AZ | 56.4 | 71 | 36 | 66 | 39 | 87 | $3.3B |
| 11 | Interfaith Federal Credit UnionMontclair, CA · 1 office here | 56.4 | 44 | 75 | 67 | 66 | 2 | $134.8M |
| 12 | America First Federal Credit UnionRiverdale, UT · 9 offices here | 56.0 | 86 | 44 | 39 | 39 | 79 | $26.0B |
| 13 | Navy Federal Credit UnionVienna, VA · 9 offices here | 55.4 | 56 | 33 | 88 | 37 | 81 | $204.4B |
| 14 | Nuvision Federal Credit UnionHuntington Beach, CA · 1 office here | 55.3 | 55 | 59 | 67 | 63 | 9 | $4.0B |
| 15 | Desert Financial Credit UnionPhoenix, AZ | 54.7 | 65 | 25 | 47 | 72 | 86 | $9.9B |
| 16 | Northrop Grumman Federal Credit UnionGardena, CA · 1 office here | 53.6 | 62 | 59 | 73 | 11 | 66 | $1.6B |
| 17 | Pima Federal Credit UnionTucson, AZ | 51.8 | 78 | 43 | 28 | 42 | 76 | $1.7B |
| 18 | Sharefax Credit UnionCincinnati, OH · 1 office here | 51.7 | 78 | 54 | 19 | 25 | 98 | $720.8M |
| 19 | Mountain America Federal Credit UnionSandy, UT · 12 offices here | 51.6 | 92 | 53 | 12 | 20 | 90 | $22.9B |
| 20 | Sunwest Federal Credit UnionGlendale, AZ | 51.6 | 37 | 46 | 70 | 63 | 44 | $525.2M |
| 21 | Truwest Credit UnionScottsdale, AZ | 49.8 | 54 | 29 | 73 | 52 | 41 | $1.7B |
| 22 | Global Federal Credit UnionAnchorage, AK · 10 offices here | 49.7 | 38 | 49 | 92 | 20 | 57 | $13.0B |
| 23 | Arizona Financial Credit UnionPhoenix, AZ | 49.3 | 60 | 40 | 13 | 74 | 69 | $3.9B |
| 24 | Notre Dame Federal Credit UnionNotre Dame, IN · 2 offices here | 47.7 | 44 | 38 | 39 | 57 | 79 | $1.4B |
| 25 | Arrowhead Federal Credit UnionRancho Cucamonga, CA · 1 office here | 45.3 | 3 | 48 | 71 | 48 | 88 | $2.9B |
Top scores among Arizona credit unions for specific groups
These serve a closed field of membership, such as one employer's staff, a profession or a church, with under 100,000 potential members. If you belong to the group, they are worth a look.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Sierra Pacific Federal Credit UnionReno, NV · 1 office here | 75.3 | 77 | 92 | 58 | 65 | 83 | $189.4M |
| 2 | Cochise Credit UnionWillcox, AZ | 62.1 | 58 | 65 | 62 | 53 | 82 | $74.5M |
| 3 | Farmers Insurance Federal Credit UnionLos Angeles, CA · 1 office here | 60.5 | 91 | 63 | 69 | 20 | 42 | $1.3B |
| 4 | Southwest Airlines Federal Credit UnionDallas, TX · 1 office here | 54.7 | 87 | 66 | 8 | 62 | 26 | $860.9M |
| 5 | Florida West Coast Credit UnionBrandon, FL · 1 office here | 51.3 | 49 | 57 | 14 | 70 | 81 | $144.2M |
| 6 | American Southwest Credit UnionSierra Vista, AZ | 40.7 | 24 | 12 | 90 | 42 | 53 | $440.0M |
| 7 | Landings Credit UnionTempe, AZ | 37.9 | 42 | 49 | 13 | 40 | 44 | $263.2M |
| 8 | Mohave Community Federal Credit UnionKingman, AZ | 36.3 | 23 | 43 | 54 | 33 | 25 | $61.4M |
| 9 | Banner Federal Credit UnionPhoenix, AZ | 32.9 | 30 | 44 | 12 | 52 | 15 | $65.2M |
Not eligible locally? Best credit unions anyone can join
These say on their own sites that almost anyone in the US can join, usually through a partner association. How to join each one
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Chevron Federal Credit UnionConcord, CA · open to anyone | 78.3 | 98 | 65 | 92 | 78 | 37 | $5.4B |
| 2 | Alliant Credit UnionChicago, IL · open to anyone | 71.0 | 99 | 57 | 100 | 28 | 65 | $20.0B |
| 3 | First Technology Federal Credit UnionSan Jose, CA · open to anyone | 68.5 | 95 | 37 | 99 | 29 | 99 | $27.9B |
| 4 | NASA Federal Credit UnionUpper Marlboro, MD · open to anyone | 67.3 | 98 | 49 | 87 | 55 | 21 | $5.8B |
| 5 | Lake Michigan Credit UnionGrand Rapids, MI · open to anyone | 66.8 | 96 | 29 | 64 | 72 | 84 | $17.3B |
How the score works
- Pays savers, 25%: dividends and interest paid on deposits (dividends paid on deposits).
- Loan rates, 25%: the average of its percentiles on the new auto, used auto, credit card, personal loan and first mortgage rates it reported, lower being better (at least two needed).
- Low fees, 20%: fee income per member, lower being better.
- Strength, 20%: the average of its net worth ratio and its share of loans 60 or more days late.
- Members joining, 10%: member growth over 12 months.
Each part is the credit union's percentile among NCUA's peer group of the same asset size, so a $60 million credit union is measured against other $50 million to $100 million credit unions. If member growth is missing, the other parts are reweighted. Ratios follow NCUA's Financial Performance Report. The national list · Definitions
Source: NCUA 5300 Call Report quarterly data and branch file, Q2 2026. Not affiliated with NCUA or any credit union. 45 credit unions scored for Arizona. · All Arizona credit unions · Arizona loan rates · By city
Questions people ask
What is the best credit union in Arizona?
On our score, built only from NCUA call-report data for Q2 2026, Aero Federal Credit Union ranks first among credit unions with a broad field of membership that serve Arizona, at 73.7 out of 100, followed by Firefighters First Federal Credit Union (72.5) and Trugrocer Federal Credit Union (70.9). The best one for you depends on what you need: the lists of best for savers, borrowers and low fees on this page split that out.
Can I join these credit unions?
Every credit union limits who can join. The main list keeps to credit unions that estimate 100,000 or more potential members on their call report, which usually means a whole community or many employers, so many people living or working nearby can join. Check the eligibility rules on the credit union's own site. If you are not eligible anywhere local, the credit unions anyone in the US can join are listed below.
Is money at these credit unions insured?
Yes. Every credit union scored here is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. Credit unions below a 7% net worth ratio, NCUA's line for well capitalized, are left off the list entirely.
Does anyone pay to be on this list?
No. The score uses only the figures each credit union filed with NCUA. Nobody can pay for a place, and no reviews or survey answers are mixed in.