$6.5 Million

Thanks to our members for making 2018 another great year!

plus logo

As part of our financial cooperative, our members share in our excess capital when the credit union performs well.

Since 2012 we’ve paid more than $36 million in Plus Payouts to members.

Enter to win a $250 gift card!

Win up to $250 when you share your Plus Payouts story with us!

We’re giving out $500 in Visa® Gift Cards (1 - $250 gift card, 2 - $100 gift cards, 1 - $50 gift card), and you could be a winner.


  1. Snap a photo of how you plan to use your Plus Payout
  2. Share it on our Facebook page, Twitter and/or Instagram.
  3. Tag @ArizonaFederal

You’ll earn one entry for posting on our Facebook page, one entry for tagging us on Twitter and one for tagging us on Instagram. Winners will be drawn on or about January 17, 2019, and announced on social media – so keep checking back to see if you won! See terms and conditions.

Frequently Asked Questions

There are a few ways to see how much you got paid.

  1. Check your email – Plus Payout amounts were sent to qualifying members on Jan. 1, 2019.
  2. Log in to your account at ArizonaFederal.org or the mobile app and check your account history.
  3. Check your December 2018 month-end statement.
Plus Payouts were deposited to qualifying members’ accounts on December 31, 2018.

Reminder: Payouts are deposited to your primary account (typically the one where membership dues were deducted.)

The year-end Plus Payout is our way of sharing proceeds with our members (that is, any excess capital available after deducting our operating expenses and required reserves).

How much is available overall depends on all of us collectively! The more our members use our services, the more revenue we make, and the more we can share!

For 2018, Plus Payouts included an active member base payout ($36) + Loan Interest Refund (if applicable) + Dividend Bonus = Your payout

In 2018 and earlier, members were eligible for Plus Payouts by completing on average 10 or more qualifying transactions each month. Qualifying transactions included debit/credit card purchases, ACH deposits and withdrawals (e.g. direct deposit, automatic bill pay), and checks written and cleared from your account.

For 2019, we’re making some changes to Plus Payouts. You’ll qualify simply by having a Checking Plus Account, and payouts will be in the form of loan interest refunds and bonus dividends. Learn more so you’ll remain eligible in 2019!

That’s right, in December 2018 we announced changes that make it even simpler to qualify for Plus. In 2019 members with a Checking Plus Account will be eligible for the program.

You can learn more by visiting the Plus Payouts and Checking Plus Account pages of our website, or give us a call at (602) 683-1000.