Payback for Loyalty to Us


As one of Us, your active participation in the cooperative gives you a chance to receive a share of the proceeds through something we call PLUs (Payback for Loyalty to Us). It's simple – when the credit union does well, all of Us benefit. In fact, we’ve paid more than $30 million in PLUs to our members since 2012!

Here’s what our members had to say:

plus logo

So, how do you maximize your share of PLUs?

Start by being an active member. That means you complete at least 10 qualifying transactions on average every month.1

Types of transactions that qualify include:

  • Using your Arizona Federal debit or credit cards for your everyday purchases
  • Having an electronic deposit or withdrawal to/from your Everything Account (e.g., automatic payment or direct deposit)
  • Sending/scheduling a Bill Pay transaction
  • Having a check written and cleared from your account2

Active members receive a base payout when the credit union pays PLUs. But you can earn even more when you think of us first when you need a loan or a safe place to stash your savings:

  • Receive a refund on qualifying loan interest you've paid throughout the year (e.g., interest from auto loans, credit cards or home equity loans).
  • Refinance or open a new mortgage with us and receive a one-time mortgage origination bonus.
  • Bump up your savings and qualify for a bonus dividend based on the year-to-date interest you've already earned.

Think this all sounds too good to be true? Take a look at these real member payouts ...

Actual PLUs Payouts:

Track your progress toward PLUs

The new PLUs Payouts Summary makes it easy to see if you’re on track for a year-end payout. Simply log in to your online account or the mobile app to see:

Plug Widget Image

Once you’ve logged in to your account at, scroll down the My Accounts page to see your summary. If you’re logging in to the mobile app, click the menu bar (Android) or the More link (Apple) to access your payout summary. Now you’ll always be in the know!

As an active member, you can help increase the total amount available for PLUs by:

Want to see how PLUs works from start to finish? Think of it like a funnel ...

Infographic showing how Plus is funded

If you're not already one of Us, join online today or visit your nearest Arizona Federal branch and get ready to Experience the Power of Us® (and the Power of PLUs)!

1 Criteria subject to change
2 Excludes Arizona Federal checks cashed at a branch.

Connect with Us