New Home Hero Idea 1

2.00%
6 MO CD

Invest in yourself with a 6-month CD
and earn 2.00% on dividends

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Auto Loan
Rates
as low as
4.24
%
APY*
certificate of deposot
as low as
1.51
%
APY*
money market account
as low as
0.50
%
APY*
personal loan
rates
as low as
6.25
%
APR
second mortage rates
as low as
6.25
%
APR

Sunwest credit union in Arizona is all about
transparency

Sunwest credit union in Arizona

is all about you

As a local, not-for-profit organization, we don't obsess over the bottom line. We care about you and know that your financial journey is unique.

Your goals aren’t the same as your neighbors, and you deserve a financial partner that sees you. Whether personal accounts or business accounts, there’s a better way to bank and SunWest Credit Union in Arizona does it right.

That's why we're proud to offer savings accounts and checking accounts, home and auto loans, credit cards, money market accounts, help with your credit score, loan payment transparency, financial education, and more.

smiling SunWest employee kayaks on lake pleasant to collect and dispose of trash while volunteering with SunWest Cares

Cultivating
Community

We care about your community as much as you do. As Arizona’s credit union for the past 84 years, we know what it means to make a difference. We're more than a financial partner and aren’t afraid to roll up our sleeves and get to work because our community needs the love now more than ever.

That's why we started SunWest Cares, our employee volunteer initiative focused on giving back to our neighbors while supporting local causes. Here’s to creating stronger relationships and thriving communities.

We empower our members to take control of their financial future and credit score. With online courses for all stages of life, as well as our video series, "Ask SunWest," our members are equipped to make educated decisions with confidence.

Whether you're consolidating debt, trying to save money, need an auto loan, or home equity loan, our mission is your financial success.
ten SunWest Employees volunteering with SunWest Cares huddle together and smile for a group photo at Andre House in Phoenix
six SunWest employees volunteering with SunWest Cares cut fruit to prepare lunch at Andre House in Phoenix
five SunWest employees volunteer with SunWest Cares to serve lunch over the counter at U Mom in Phoenix

Whether you're consolidating debt, trying to save money, need an auto loan, or home equity loan, our mission is your financial success.

VIP banking

I have been a member of SunWest Federal Credit Union in Arizona for years now and I can say with certainty it is the absolute best banking experience I have ever had.

I ended up moving 3,000 miles away and still do my banking and kept my car loan with SWFCU...I feel like we have more than a banking relationship but also a friend[ship] with SWFCU.

portrait of smiling female SunWest branch representative at Cactus Phoenix branch location
Jannelle H
Sunwest member since 2010
Phoenix-Cactus Branch

Feels like home

You guys have been GREAT! Always bending over backwards for us. We like coming to our Arrowhead Branch because it feels like home.

You all have seen my kids and grandkids grow up.

two female SunWest employees smile at their teller stations at the Peoria branch location
Earnest S.
Sunwest member since 1972 -
Peoria Branch

Wonderful service

I have been a member of SunWest Credit Union for just under a year, but I feel like a member of the family.

They have always gone above and beyond my expectations, and in every situation the results were better then what I was asking or hoping for. Thank you for the wonderful service.

portrait of smiling and welcoming male SunWest branch representative at teller station
Michael M.
Sunwest member since 2019 -
Phoneix-McDowell Branch

VIP banking

I have been a member of SunWest Federal Credit Union in Arizona for years now and I can say with certainty it is the absolute best banking experience I have ever had.

I ended up moving 3,000 miles away and still do my banking and kept my car loan with SWFCU...I feel like we have more than a banking relationship but also a friend[ship] with SWFCU.

portrait of smiling female SunWest branch representative at Cactus Phoenix branch location
Jannelle H
Sunwest member since 2010
Phoenix-Cactus Branch

Feels like home

You guys have been GREAT! Always bending over backwards for us. We like coming to our Arrowhead Branch because it feels like home.

You all have seen my kids and grandkids grow up.

two female SunWest employees smile at their teller stations at the Peoria branch location
Earnest S.
Sunwest member since 1972 -
Peoria Branch

Wonderful service

I have been a member of SunWest Credit Union for just under a year, but I feel like a member of the family.

They have always gone above and beyond my expectations, and in every situation the results were better then what I was asking or hoping for. Thank you for the wonderful service.

portrait of smiling and welcoming male SunWest branch representative at teller station
Michael M.
Sunwest member since 2019 -
Phoneix-McDowell Branch

Stay in touch

Be the first to know about events, promos, and account news when you opt in to our email list.

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get social

Follow us for the latest updates and branch notices for all of our Arizona credit union locations.

see you there

Mark your calendars! We love meeting you out in our community or at our local branch events.

See whats new

Free checking accounts in Arizona

You work hard for your money and you need a free checking account that puts you in the drivers seat.

Features you can appreciate

check mark icon
Same day debit card
check mark icon
free e-statements
check mark icon
online + mobile banking
check mark icon
overdraft protection
check mark icon
access to funds where you are
check mark icon
zelle transactions
young mother looks up to her giggling baby girl as she holds her up above her head

Checking accounts
made simple

debit
valid
thru
1234 5678 1234 5678
11/20/2028
SUNWEST MEMBER

Your money is just that–yours

You need a free checking account that has your best interests at heart, 24/7

No minimum deposit to open

Enjoy direct deposit into your checking or savings account with no minimum deposit to open

Enjoy the financial freedom

Kiss those monthly maintenance and minimum balance requirements goodbye

No monthly service fee or annual fee.

Our Essential fresh start checking account helps you take control of your finances so you can spend confidently knowing you have access to all the features you need, without the strings.

Essential free checking account features you can appreciate

We’re all about convenience at SunWest. We know you can’t be without your debit card for 7-10 business days, so we stand ready to issue a new card on the spot.

Whether you’re opening a new checking account with us, lost your card, or believe your card has been the target of fraud, SunWest has you covered. Stop by any of our 8 branch locations to pick up your new card and carry on with your day.

Did we mention these debit cards also come equipped with the latest technology? If you hate touching keypads at the store, our contactless card may be just the thing you need to pay with peace of mind. Simply tap to pay at participating vendors.

Can we be real for a second? Paper statements are a thing of the past reserved for a traditional checking account. Not only do we treasure our environment, but we also value you. Remember, you aren’t just a number to us. Not even close.

We care about you and just want the best for your financial health. Waiting until the end of the month to make sure your checking account transaction history is accurate is a dangerous game to play with your cash. E-statements are also much more secure.

As your financial advocate, a major safety tip is that it’s always best to avoid having physical documents floating around with your account information. If you still aren’t convinced that e-statements are the way to go, you can print a copy within online banking at any time.

We wouldn’t be a trusted Arizona credit union if we didn’t provide the tech you need for the mobile banking you deserve.

Our digital and mobile banking services allow you to transfer money to anyone in the U.S., check your balances in real-time, direct deposit checks from your mobile device, bill pay, and make purchases from your phone.

These same free online banking services are also available if you prefer the good ol’ desktop. Talk about convenience.

You don’t have to stop by a SunWest branch every time you need to withdraw cash or access your checking account or savings account.

Whether you’re on the road, at a ball game, or visiting your favorite local craft fair, you can rest assured knowing we have partnerships with over 30,000 surcharge-free ATMs and over 5,500 shared branching locations.

Just think of us as your stealthy financial companion.

man smiling and drinking coffee while driving a sedan on his way to work

Life happens.

Overdraft fees shouldn't be a concern and SunWest is here to make sure you have the support you need to face even the toughest of times.

Enjoy a night out with friends knowing that the bill can be easily split without waiting for Jim to calculate the breakdown.

Go in on a joint gift for your friend's baby shower. Give someone the gift of choice with a direct deposit to their bank account. Forgot your debit card at home? Use your mobile device to make purchases at the store.

Don't miss out on that epic one-day sale! We're looking at you, shopaholic.

Same day debit card

We’re all about convenience at SunWest. We know you can’t be without your debit card for 7-10 business days, so we stand ready to issue a new card on the spot.

Whether you’re opening a new checking account with us, lost your card, or believe your card has been the target of fraud, SunWest has you covered. Stop by any of our 8 branch locations to pick up your new card and carry on with your day.

Did we mention these debit cards also come equipped with the latest technology? If you hate touching keypads at the store, our contactless card may be just the thing you need to pay with peace of mind. Simply tap to pay at participating vendors.

free e-statements

Can we be real for a second? Paper statements are a thing of the past reserved for a traditional checking account. Not only do we treasure our environment, but we also value you. Remember, you aren’t just a number to us. Not even close.

We care about you and just want the best for your financial health. Waiting until the end of the month to make sure your checking account transaction history is accurate is a dangerous game to play with your cash. E-statements are also much more secure.

As your financial advocate, a major safety tip is that it’s always best to avoid having physical documents floating around with your account information. If you still aren’t convinced that e-statements are the way to go, you can print a copy within online banking at any time.

online + mobile banking

We wouldn’t be a trusted Arizona credit union if we didn’t provide the tech you need for the mobile banking you deserve.

Our digital and mobile banking services allow you to transfer money to anyone in the U.S., check your balances in real-time, direct deposit checks from your mobile device, bill pay, and make purchases from your phone.

These same free online banking services are also available if you prefer the good ol’ desktop. Talk about convenience.

access to funds wherever you are

You don’t have to stop by a SunWest branch every time you need to withdraw cash or access your checking account or savings account.

Whether you’re on the road, at a ball game, or visiting your favorite local craft fair, you can rest assured knowing we have partnerships with over 30,000 surcharge-free ATMs and over 5,500 shared branching locations.

Just think of us as your stealthy financial companion.

checking account overdraft protection

man smiling and drinking coffee while driving a sedan on his way to work

Life happens.

Overdraft fees shouldn't be a concern and SunWest is here to make sure you have the support you need to face even the toughest of times.

zelle®+ mobile wallet

Enjoy a night out with friends knowing that the bill can be easily split without waiting for Jim to calculate the breakdown.

Go in on a joint gift for your friend's baby shower. Give someone the gift of choice with a direct deposit to their bank account. Forgot your debit card at home? Use your mobile device to make purchases at the store.

Don't miss out on that epic one-day sale! We're looking at you, shopaholic.

ready to take back control and own your finances?

Stop by your nearest SunWest Credit Union location and open a free checking account in Arizona today.

We’ll welcome you with no monthly service fees, open arms, and even bigger hearts.

two women in car

Level up

Our Premier level is not your regular checking account. It offers all the comprehensive services of our Essential checking account plus a few more amenities.

receive dividends on balances starting at $1,000

Checking accounts aren't well known for paying you back, but a Premier checking account with SunWest does just that when you keep your balance at $1k or more.

free sunwest money orders and official checks

Skip the fee on certified funds with a Premier checking account.

free standard sunwest personal checks

Enjoy unlimited check writing. Most of the time, a debit card or online payment works out just fine. However, there are a few places - like apartment complexes, Department of Homeland Security, and your kids' fundraisers - that still want those handwritten love notes.

no fee as long as end of business day balances are $1,000 or more

a business woman wearing a black blazer laughs while talking on the phone and typing on her open laptop at her desk

We've got you covered

We subscribe to the belief that people are inherently good and do their best to make smart decisions. What we don’t believe in is judging our members, or making them feel terrible for a mistake that we’ve all made at some point along our own financial journeys.

Maybe you underestimated your monthly expenses, or simply forgot to transfer money between an online checking account and savings account to cover your automatic withdrawals. Whatever the reason, SunWest has designed our overdraft services to protect you in the event you find yourself overdrawn on your checking account.

Courtesy pay
Revolving line of credit
What is a revolving line of credit anyways?
Policy and Disclosure

Sunwest is here for your needs