Current as of July 1, 2026
Deposit and loan rates, nothing folded away.
The whole schedule on one page, open, in the order you would read it. The footnotes are at the bottom and they are the real ones, not a summary of them.
What we pay you
Consumer and business deposit rates.
Checking and regular share accounts
| Account type | Min. balance | APY |
|---|---|---|
| Regular Savings | $5 | 0.03% |
| Holiday Savings | $0 | 0.03% |
| Special Savings | $0 | 0.03% |
| Youth Savings | $5 to $999.99 | 3.00% |
| Youth Savings | $1,000 and over | 0.03% |
| CareFREE Plus Checking | $0 to $1,000 | 2.50% |
| CareFREE Plus Checking | $1,000.01 and over | 0.25% |
Money market accounts
| Min. balance | APY |
|---|---|
| $1,000 to $49,999.99 | 1.00% |
| $50,000 to $99,999.99 | 1.00% |
| $100,000 to $249,999.99 | 1.20% |
| $250,000 to $499,999.99 | 3.00% |
| $500,000 and over | 4.00% |
Individual Retirement Account (IRA)
| Min. balance | APY |
|---|---|
| $0.01 to $49,999.99 | 0.50% |
| $50,000 to $99,999.99 | 0.70% |
| $100,000 to $249,999.99 | 0.95% |
| $250,000 and over | 1.95% |
Term share certificates, and IRA term share certificates
Both run on the same ladder. Minimum opening deposit $250.
| Term | Min. balance | APY | Checking relationship APY |
|---|---|---|---|
| 6 months | $250 | 3.75% | 4.00% |
| 12 months | $250 | 3.75% | 4.00% |
| 18 months | $250 | 4.25% | 4.50% |
| 24 months | $250 | 4.25% | 4.50% |
| 30 months | $250 | 4.00% | 4.25% |
| 36 months | $250 | 4.00% | 4.25% |
| 48 months | $250 | 4.00% | 4.25% |
| 60 months | $250 | 4.00% | 4.25% |
Business money market
| Min. balance | APY |
|---|---|
| $1,000 to $49,999.99 | 0.95% |
| $50,000 to $99,999.99 | 1.75% |
| $100,000 to $249,999.99 | 1.95% |
| $250,000 to $499,999.99 | 3.00% |
| $500,000 and over | 4.00% |
Non-profit money market
| Min. balance | APY |
|---|---|
| $1,000 to $49,999.99 | 3.00% |
| $50,000 to $99,999.99 | 3.00% |
| $100,000 to $249,999.99 | 3.00% |
| $250,000 to $499,999.99 | 3.00% |
| $500,000 and over | 4.00% |
Business and non-profit term share certificates
| Term | Min. balance | APY |
|---|---|---|
| 6 months | $250 | 3.50% |
| 12 months | $250 | 3.75% |
| 24 months | $250 | 3.50% |
| 36 months | $250 | 3.00% |
| 48 months | $250 | 3.00% |
| 60 months | $250 | 3.00% |
What we charge you
And the loan rates beside them.
Every APR below already includes the 0.25% automatic payment reduction. Home loans and home equity lines are quoted by the mortgage team, who publish their own current pricing and their own NMLS numbers.
Vehicles, new and used
| Loan term | APR |
|---|---|
| 7 to 60 months, as low as | 5.74% |
| 61 to 84 months, as low as | 5.99% |
Personal
| Loan term | APR |
|---|---|
| 24 months, as low as | 11.24% |
| 36 months, as low as | 11.74% |
| 48 months, as low as | 12.74% |
| 60 months, as low as | 13.49% |
| 74 months, as low as | 14.99% |
| 84 months, as low as | 16.49% |
Personal line of credit
| Loan term | APR |
|---|---|
| Revolving | 13.99% |
Recreational vehicles, new and used, up to 10 years old
| Loan term | APR |
|---|---|
| up to 84 months, as low as | 7.74% |
| 85 to 144 months, as low as | 8.24% |
| 145 to 180 months, as low as | 8.74% |
Motorcycles, new and used
| Loan term | APR |
|---|---|
| 7 to 60 months, as low as | 7.74% |
| 72 months, as low as | 7.99% |
Share and term share secured loans
Share secured and term share certificate secured up to 60 months, up to 100% of the Pima Federal account or certificate balance. The annual percentage rate is the current dividend rate plus 2.50%. Funds in IRAs, demand accounts such as draft accounts, and funds subject to check holds may not be pledged to secure loans.
The small print, at full size
The footnotes belong on the same page as the numbers.
APY means annual percentage yield. The dividend rate and annual percentage yield may change monthly as determined by the credit union's Board of Directors. The annual percentage yield is based on an assumption that the dividends will be credited to the account monthly and will remain in the account.
Term share certificate and IRA term share certificate accounts: the dividend rate and annual percentage yield are fixed and will be in effect for the term of the account. To earn the CareFREE Plus Checking relationship APY you must have a Pima Federal CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits, excluding internal transfers and dividends. Otherwise the rate is reduced by 0.25% APY. Regular term share certificate and IRA term share certificate accounts require a minimum opening deposit of $250.00.
Regular share accounts and youth savings accounts require a minimum opening deposit of $5.00. For CareFREE Plus Checking accounts there is a minimum, aggregate, monthly deposit amount of $1,000.00, and current enrolment in e-statements is required to earn the annual percentage yield disclosed for the dividend period. Rates may change after the account is opened. Fees and other conditions could reduce the earnings on the account.
APR means annual percentage rate. Rates may change after the account is opened. The APR includes a 0.25% automatic payment reduction, and will increase by 0.25% if an automatic payment is not initiated.
Important information. A complete Truth-In-Lending disclosure will be given at the time of application. Rates displayed are annual percentage rates. Rates start as low as the published rates and are based upon applicant credit evaluation, as determined by the applicant's credit history and other factors.
Pick a rung and we will open it with you.
Book a branch appointment and bring $250 for a certificate, or $5 to become a member first. If you would rather talk it through, the number goes to a person in Arizona.
520-887-5010 · Mon to Thu 9:00am to 5:00pm, Fri 9:00am to 6:00pm