activities · 26
what they do
direct service · 26
- Administers college scholarships for youth members College Scholarships for Youth MembersOffers two annual college scholarships exclusively to NextGEN high school members, supporting educational advancement for young credit union members.
- Awards annual college scholarships to youth members College Scholarships for Youth MembersOffers two annual college scholarships exclusively to NextGEN high school members as part of youth financial engagement and support initiatives.
- Conducts community giving and donation initiatives Holiday Food and Gift DistributionSupports local communities through donations, including contributions to Phoenix Children's Hospital and distribution of over 400 backpacks filled with school supplies via the Valleywise Health Foundation backpack drive.
- Delivers community support through donations and supply drives Holiday Food and Gift DistributionSupports local communities by donating funds to organizations like Phoenix Children's Hospital and participating in supply distribution efforts, such as providing over 400 backpacks filled with school supplies through the Valleywise Health Foundation backpack drive.
- Delivers financial services to Arizona members Low-Cost Checking & Savings AccountsServes nearly 58,000 members with over $500 million in assets, offering savings accounts, higher interest rates on savings, and lower or no fees compared to traditional banks since 1939.
- Insures member deposits through NCUSIF Low-Cost Checking & Savings AccountsProvides share insurance coverage of up to $250,000 per account and up to $250,000 for certain retirement accounts through the National Credit Union Share Insurance Fund (NCUSIF).
- Integrating Apple Pay Mobile & Digital Banking ServicesOffers Apple Pay integration for all consumer debit and credit cards, including Health Savings Account (HSA) debit cards.
- Integrating with Apple Pay Mobile & Digital Banking ServicesOffers Apple Pay integration for all consumer debit and credit cards, including Health Savings Account (HSA) debit cards.
- Offering business share savings accounts Business Banking & Lending ServicesOffers business share savings accounts to help businesses build capital for operating expenses and long-term growth.
- Offering college scholarships College Scholarships for Youth MembersOffers two annual college scholarships exclusively to NextGEN high school members.
- Offering financial services to members Low-Cost Checking & Savings AccountsProvides financial services to nearly 58,000 members with over $500 million in assets, offering higher interest rates on savings and lower or no fees compared to traditional banks, and includes share insurance coverage up to $250,000 per account through the NCUSIF.
- Offers Apple Pay integration for debit and credit cards Mobile & Digital Banking ServicesSupports Apple Pay for all consumer debit and credit cards, including Health Savings Account (HSA) debit cards, enabling secure and convenient digital payments for members.
- Offers consumer financial products with Apple Pay integration Mobile & Digital Banking ServicesProvides consumer debit and credit cards, including Health Savings Account (HSA) debit cards, all integrated with Apple Pay for digital payment convenience.
- Offers financial education app to membersProvides free access to a financial education app for members, covering the $40 annual cost to ensure no-cost financial literacy resources.
- Operates physical branch network in Arizona Physical Branch Financial ServicesOperates nine full-service branches in Arizona locations including Phoenix, Glendale, Tempe, Chandler, Flagstaff, Tucson, and Show Low, providing in-person financial services to members.
- Operates physical branch network in Arizona Physical Branch Financial ServicesOperates nine full-service branches across Arizona, including locations in Phoenix, Glendale, Tempe, Chandler, Flagstaff, Tucson, and Show Low, providing in-person financial services to members.
- Operating physical branches Physical Branch Financial ServicesOperates 9 full-service physical branches in Arizona, including locations in Phoenix, Glendale, Tempe, Chandler, Flagstaff, Tucson, and Show Low.
- Provides access to surcharge-free ATMs and shared branching Surcharge-Free ATM & Shared Branch AccessEnables members to access over 30,000 surcharge-free ATMs nationwide through the CO-OP ATM Network and provides access to more than 5,000 shared branches via CO-OP Shared Branching, expanding service reach beyond physical locations.
- Provides business savings accounts Business Banking & Lending ServicesOffers business share savings accounts designed to help businesses build capital for operating expenses and long-term growth.
- Provides federally insured share accounts Low-Cost Checking & Savings AccountsEnsures share insurance coverage of up to $250,000 per account and up to $250,000 for certain retirement accounts through the National Credit Union Share Insurance Fund (NCUSIF).
- Provides free financial education app access to membersOffers members free access to a financial education app, covering the $40 annual cost, to support financial literacy and wellness.
- Provides nationwide ATM and shared branch access Surcharge-Free ATM & Shared Branch AccessEnables members to access over 30,000 surcharge-free ATMs nationwide through the CO-OP ATM Network and provides access to more than 5,000 shared branches across the country via CO-OP Shared Branching.
- Providing ATM and shared branch access Surcharge-Free ATM & Shared Branch AccessProvides members access to over 5,000 shared branches and 55,000 surcharge-free ATMs nationwide via CO-OP Shared Branching and ATM networks, including over 30,000 surcharge-free ATMs.
- Providing financial educationProvides free access to a financial education app for members, covering the $40 annual cost.
- Providing financial educationProvides free access to a financial education app for members by covering the $40 annual cost.
- Supporting community initiativesDonated funds to Phoenix Children's Hospital and distributed over 400 backpacks filled with school supplies to families in need through the Valleywise Health Foundation backpack drive.
strategies · 20
how they think
Theories of action extracted from this org's own source material. Click any to see the full field of orgs running the same approach.
- Additional financial risk protection for member funds financial risk mitigationSupplements standard insurance with an additional bond to protect member deposits against fraud, theft, embezzlement, and other risks, enhancing financial safety.
- Behavioral incentives to promote saving and account engagement behavioral-incentives-for-savingEncourages positive financial behaviors such as saving and maintaining higher balances through redeemable credits for children and fee waivers or dividends tied to account activity.
- Community-centered service and engagement model community-centered_operationsEmbeds community involvement into operations by prioritizing local giving, volunteering, and service, reinforcing commitment to the regions served.
- Core values as operational foundation core_values_drivenGuides daily operations and community engagement through core values—integrity, respect, diligence, ownership, and candor—shaping organizational culture and decision-making.
- Employee satisfaction as a driver of service quality employee-centered_service_modelInvests in employee satisfaction and retention as a core strategy to ensure consistent, high-quality service delivery to members.
- Employee-Centered Service Delivery employee-centered_service_modelThe organization emphasizes employee satisfaction and retention as a foundational strategy, believing that a well-supported workforce is key to delivering superior service to its members.
- Enhanced Digital Security Education digital_security_educationThe organization educates members on best practices for digital security, including recommending strong, phrase-based passwords, advocating for regular password changes and the use of password managers, and encouraging timely software updates to protect against vulnerabilities.
- Enhanced security through member education and technical safeguards password_security_educationPromotes account security by educating members on best practices—such as using strong passwords, password managers, and updated software—while also implementing technical and financial protections.
- Financial Literacy through Youth Accounts and Gamification financial_literacy_through_youth_accounts_and_gamificationThe organization uses youth savings and checking accounts as practical tools to teach early financial literacy and responsible money management. This approach is enhanced by a gamified digital app that engages children in learning financial skills from a young age, and incentivizes saving behavior through redeemable credits for deposits.
- Gamified Financial Education for Youth gamified_financial_educationThe organization uses a gamified digital application to teach financial skills to children from a young age, making learning engaging and accessible.
- Incentivized Youth Financial Literacy financial-education-through-youth-accountsThe organization utilizes youth savings and checking accounts as tools to teach early financial literacy and responsible money management, further incentivizing saving behavior in young children by awarding redeemable credits for deposits.
- Member-Centric Cooperative Model member_centric_cooperativeOperating as a not-for-profit, member-owned financial cooperative, the organization prioritizes member interests and community engagement. This model is supported by a focus on employee satisfaction to ensure superior service and is guided by core values of integrity, respect, diligence, ownership, and candor.
- Member-Owned Cooperative Model credit_union_modelThe organization operates as a not-for-profit, member-owned financial cooperative that is locally controlled and open to all eligible individuals, ensuring that members' interests are prioritized.
- Member-owned cooperative model with local control credit_union_modelOperates as a not-for-profit, member-owned financial cooperative that prioritizes local governance and inclusive membership, ensuring decisions serve member interests rather than external shareholders.
- Mobile-first, secure transaction access mobile wallet integrationEnables convenient and secure member transactions through mobile wallet integration, supporting contactless payments and modern digital banking expectations.
- Personalized Financial Solutions personalized_financial_solutionsThe organization provides personalized banking solutions by understanding individual member financial goals and offering customized recommendations and savings solutions tailored to their specific needs.
- Personalized Financial Solutions personalized_financial_solutionsThe organization offers personalized banking and savings solutions tailored to individual member needs by understanding their financial goals and providing customized recommendations.
- Personalized financial services through member-centric planning personalized_financial_servicesDelivers customized banking and savings solutions by understanding individual financial goals and offering tailored recommendations to support long-term financial well-being.
- Proactive Digital Security Education password_security_educationThe organization educates members on best practices for digital security, including using strong, unique passwords, regularly changing them, utilizing password managers, and keeping software updated to protect against vulnerabilities.
- Youth financial literacy through experiential account-based learning financial-education-through-youth-accountsUses youth savings and checking accounts as foundational tools to teach financial literacy, combining hands-on experience with gamified education and behavioral incentives to build early money management skills.
named programs · 25
what they call their work
Auto Loans
Loans for purchasing new or used vehicles, or for refinancing existing auto loans, with competitive rates.
Business Loans
Competitive loan solutions for businesses, along with business checking accounts and payroll/ACH services.
CU Grow Youth Savings Account
Youth savings account designed to teach children and teens about financial literacy, money management, and healthy spending habits
CU Succeed College Scholarships
Annual scholarship program offering two awards to NextGEN high school members to support college education
Certificates of Deposit (CDs)
Savings options with fixed terms and predictable dividend earnings.
Credit Cards
Credit card options with competitive APRs.
Exempt Funds Checking
Checking account for exempt funds.
Health Savings Account (HSA)
Tax-advantaged tool for paying qualified medical expenses.
Health Savings Checking
Checking account for Health Savings Accounts.
Home Improvement Loan (Unsecured)
Personal loan for home improvement projects with amounts ranging from $5,000 to $25,000 and competitive rates
IRA Share
Individual Retirement Account share with potential tax benefits.
Money Market Account
Savings account offering tiered interest rates based on balance.
Money Market Accounts
High-yield savings accounts with tiered interest rates based on balance levels, available for both adults and youth (NextGEN Money Market)
Money Market Checking
Checking account offering tiered interest rates based on balance.
Mortgage Loans
Home financing options with competitive rates.
Motorcycle Loans
Specialized loan product with competitive rates and 90 days of no payments, designed for motorcycle purchases
NextGEN Money Market
Money market account specifically for youth members.
NextGEN Youth Accounts
Checking and savings accounts designed for youth aged 0-17 to teach financial habits, including a fee-free Visa Check Card and opportunities for prizes and scholarships.
NextGEN Youth Checking
Fee-free checking account for youth aged 0-17 with a FREE Visa® Check Card; younger members earn credits for deposits redeemable for prizes, and high school members can qualify for annual college scholarships
Overdraft & Identity Protection
Services to prevent overdrafts and protect against identity theft.
Personal Loans (You-Name-It™)
Flexible personal loans for various needs, including secured and unsecured options.
Share Savings Account
Basic savings account with a minimum to open of $5.00.
Simple Checking
No-fee checking account with no minimum balance, designed for everyday banking needs
Unsecured Home Improvement Loan
Loans from $5,000 to $25,000 for small outdoor home improvement projects.
You-Name-It Savings
Savings account with no minimum to open or minimum balance to obtain APY.
relationships · 11
who they work with
- Apple Partner — References Apple software in security guidance for members.
- Arizona Department of Financial Institutions Government — State agency that charters and regulates Arizona Central Credit Union.
- CO-OP ATM Network Network — Member network providing surcharge-free ATM access nationwide
- CO-OP ATM Network Partner — Provides network access for over 30,000 surcharge-free ATMs nationwide.
- CO-OP Shared Branching Network — Member network providing shared branching access to members
- CU Succeed College Scholarships Partner — Provides college scholarships in collaboration with the CU Succeed program for NextGEN high school members.
- Google Partner — References Google software in security guidance for members.
- Microsoft Partner — References Microsoft software in security guidance for members.
- National Credit Union Administration Government — Administers the National Credit Union Share Insurance Fund (NCUSIF) that insures member savings.
- Phoenix Children's Hospital Partner — Recipient of financial donations from Arizona Central Credit Union to support patients and families.
- Valleywise Health Foundation Partner — Partnered with Arizona Central Credit Union for a backpack drive distributing school supplies to families in need.