Our accounts are designed to keep up with your busy life – like free checking with mobile banking and credit cards that help you build credit.

                 
Account Type Young Adult Checking   Savings   Certificate   Traditional & Roth IRA  
Minimum Opening Deposit $20   $0   $1000   $1000  
Minimum Balance To Earn APY1 $25   $25   $1000   $1000  
Monthly Service Fee None   None   N/A   N/A  
                 

1 Annual Percentage Yield. Fees may reduce earnings. View current rates.

Explore Account Options

Our free Checking Plus Account for young adults comes with lots of perks!

  • No monthly service fee until age 21 (we’ll send you a reminder before your birthday)
  • Visa® debit card for purchases and ATM cash withdrawals and deposits
  • Exclusive Visa® debit card designs that support local nonprofits
  • Free Direct Deposit of your paychecks
  • Free online banking and bill pay
  • Free mobile banking with mobile deposit
  • 30,000+ surcharge-free ATMs
  • Easy, quick payments with Venmo, Apple PayTM, Samsung PayTM and Google PayTM
  • Cash Back debit card offers
  • CardPower™ mobile app – an on/off switch for your debit card
  • Free access to ID Protect™ – credit score, credit report and identity protection services
  • Monthly dividends paid on balances of $25 or more

Get started today!

Open Online
Prefer a more personal touch?

Stop by one of our branch locations or schedule an appointment to open your account today!

Who said adulting would be easy? Plan for the future – like a new car, new home, financial emergencies, and (gulp!) even retirement!

Organize your money and reach your savings goals with these accounts:

Visa® Secured Credit Card

Our Secured Credit Card is the perfect choice if you’re just starting out and looking for a great way to build your credit.

  • Easy to apply!
  • Secured with your own deposits ($500 deposit = $500 credit limit)
  • Start building you credit history
  • No annual fee, cash advance fees or balance transfer fees
  • One-time account setup fee of $25

To apply for a Visa Secured Credit Card, stop by one of our branch locations or call 602-683-1730.

Looking for something else? Check out our other credit card options.


Auto Loans

Dreaming of buying your first car? We offer auto loans for brand new or pre-owned vehicles with low rates and flexible terms.


Personal Loans

A personal loan is an affordable way to make a bigger purchase and spread out payments over time. Our personal loans feature:

  • Low, affordable rates
  • No application fees
  • No pre-payment penalties
Youth & Teen Accounts

Arizona Federal also offers accounts for kids (ages 12 and younger) and teens (ages 13-17):