Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Arizona
Daily average across every credit union lending in AZ, past 90 days. Dashed line is the national FRED benchmark.
30 Year Fixed rates in Arizona
Credit unions lending in Arizona
Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.
Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).
Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.
MIT Federal Credit Union is open to the MIT community, including students, employees, and alumni, as well as several partner organizations like Draper and Lincoln Labs. Anyone else in the U.S. can also qualify for membership by joining the American Consumer Council during the application process.
Mountain America Credit Union offers membership to residents of Utah, Idaho, Arizona, Nevada, Montana, and New Mexico through various eligibility paths including community residency, select employer groups, or alumni associations from BYU and BSU.
Financial Resources FCU is open to anyone — membership requires only a $1 deposit in a regular share consumer account (or $10 in a business share account). Additional eligibility paths include living, working, worshipping, or attending school in Somerset, Hunterdon, or Middlesex Counties, or the city of New Brunswick; employees of participating Select Employer Groups; and immediate family of curre
Membership at Copper State Credit Union is open to individuals who live, work, or worship in Maricopa, Gila, Navajo, Pima, Pinal, and Yavapai counties, as well as businesses and legal entities located in these counties. Additionally, persons who live, work, worship, or attend school in Phoenix, Arizona, within boundaries beginning at the intersection of 43rd Avenue and State Highway 101 are eligib
Membership is open to anyone nationwide via a free membership in the American Consumer Council. It is also available to anyone who lives, works, worships, or attends school in Washington, DC, as well as employees of the Department of Commerce, NOAA, and the Executive Office of the President.
Arrowhead Credit Union is open to anyone nationwide who joins an eligible association, such as the Community Impact Fund or Surfrider Foundation, with the credit union covering the initial association fee. Membership is also available to employees of numerous specific companies and municipalities across California, as well as immediate family members of current Arrowhead members.
Northwest Federal Credit Union is open to employees of hundreds of partner businesses and federal agencies, including DHS and the CIA's intelligence partners. Anyone can also join by becoming a member of a partner community organization like the NWFCU Foundation.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Arizona every morning.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
Nearby states
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