Membership
What is a Credit Union?
A credit union is a not-for-profit financial cooperative owned by its members, not by stockholders or investors. When you join a credit union, you become a member-owner, giving you a voice in how the organization operates. Unlike traditional banks, which are focused on generating profits for shareholders, credit unions exist to serve the financial needs of their members and the communities they call home. Because credit unions return earnings to their members rather than outside investors, they are able to offer lower loan rates, higher savings returns, and fewer fees. Members enjoy many of the same products and services offered by banks, including checking and savings accounts, online and mobile banking, debit cards, and loans, while benefiting from a more personalized approach to service.
Why should I join Southeastern Arizona Federal Credit Union
At Southeastern Arizona Federal Credit Union, people come before profits. Decisions are made with members' best interests in mind, and every account holder is treated as an owner rather than a customer. Whether you're opening your first account, financing a vehicle, or planning for the future, Southeastern Arizona Federal Credit Union provides the trusted guidance, competitive financial products, and community-focused service you deserve.
Join today and discover the credit union difference: better value, personal service, and a financial partner that's invested in your success.
Remember We are people helping people, not for profit but for service!
Differences between a Credit Union and a Traditional Bank
Credit Union
- Member-owned
- Typically, lower loan interest rates
- Higher returns on savings accounts and certificates
- Fewer and lower fees
- Personalized, community-focused service
- Profits are returned to members through better rates and services
- Local decision-making and flexible lending options
- Equal voting rights for members regardless of account size
- Strong focus on financial education and member success
- Deposits are Federally insured by the NCUA for peace of mind
Traditional Banks
- Customers have no ownership stake in the institution
- Higher interest rates on loans and credit products
- Smaller returns on savings accounts and certificates
- Higher fees for accounts, overdrafts, and account maintenance
- Less personalized customer service
- Profits benefit investors rather than account holders
- Decisions are made by corporate offices rather than local branches
- Account Holders have no influence over policies and operations
- Greater emphasis on sales goals and cross-selling financial products
- Large banks may have stricter lending requirements
- Small account holders feel like they are just another number
Who can Join
Membership is available to anyone who lives, works, worships, or attends school in Cochise County, Arizona.
How to become a Member
To become a member, please call us toll free at (800) 647-9300 or visit one of our branches listed below.
Our Branches
Douglas Branch
1600 N. Panamerican Avenue • PO Drawer 1059 • Douglas, Arizona 85608
(520) 364-8401 • Fax (520) 364-2967
Hours of Operation:
Monday - Thursday: 9:00AM - 4:30 PM
Friday: 9:00AM - 6:00 PM
Benson Branch
182 E. 4th Street • PO Box 2317 • Benson, Arizona 85602:
(520) 586-7095 • Fax (520) 586-7097
Hours of Operation:
Monday - Friday: 9:00 AM - 4:30 PM
*Closed all Federal Holidays
Copyright © 2026 Southeastern Arizona Federal Credit Union