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This company provides financial services.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Arizona Central Credit Union meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Arizona Central Credit Union include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 4 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

4 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 1
Billing/Collection Issues 2
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 4

Customer Reviews Summary Read customer reviews

2 Customer Reviews on Arizona Central Credit Union
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 2
Total Customer Reviews 2

Additional Information

BBB file opened: April 01, 1972 Business started: 01/01/1939 in AZ Business incorporated: 09/19/1939 in AZ
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Arizona Department of Financial Institutions
2910 N. 44th Street, Suite 310, Phoenix AZ 85018
Phone Number: 602-771-2800
Fax Number: 602-381-1225

Type of Entity


Business Management
Ms. Bronwyn Medley, Vice President & Chief Marketing Officer Ms. Bronwyn Medley, VP & Chief Marketing Officer Mrs. Janet C Moodie, Vice President, Operations Mr. Todd Pearson, Sr. Vice President
Contact Information
Customer Contact: Mrs. Janet C Moodie, Vice President, Operations
Business Category

Credit Unions

Customer Review Rating plus BBB Rating Summary

Arizona Central Credit Union has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 1805 W Chandler Blvd

    Chandler, AZ 85224

  • 1948 S Woodlands Village Blvd

    Flagstaff, AZ 86001

  • 2020 N Central Ave Ste 100

    Phoenix, AZ 85004 (602) 264-6421 (866) 264-6421

  • 2521 N West St

    Flagstaff, AZ 86004

  • 3350 S Price Rd

    Tempe, AZ 85282

  • 4451 S White Mountain Rd Ste D

    Show Low, AZ 85901

  • 5552 W Glendale Ave

    Glendale, AZ 85301

  • 6901 W Bell Rd

    Glendale, AZ 85308


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Professional AffiliationsX

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.


BBB Complaint Process

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Additional Phone Numbers

  • (602) 264-6421(Phone)
  • (602) 523-8268 (Fax)
  • (602) 523-8268 (Fax)
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Complaint Detail(s)

10/22/2013 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: I am so angry I cannot begin to tell you. ******* ******* Credit Union, offers a skip a loan payment once a year. I paid the 25.00 processing fee and they approved it. ***** Bank called me and told me my bank account was overdrawn by $119.00. They processed the loan payment on my car for 289.00 anyway. I called them, they told me to stop payment on it, which I did (30.00) later. They credited the money back into my acct the next day, now they are sending me collection notices for the same payment. They say I was credited twice by them, which is an absolute and total lie. They must employ third graders to do finance there. Any idiot would see that I would have a credit balance surplus of 289.00 had that been the case. There was no credit by my bank only the original amount these scheisters credited. I hate these people and wish I had never refinanced with them. I would rather pay a higher finance rate than to deal with these yahoo's!!!!!!!!!!!!! I am going to a locale branch tomorrow and am going to raise holy hell!!! I will go to Channel 13 News, Facebook and plan to post on my companies website what incompetents they truly are. Duh where were these people edumicated, not in any school, I went to, an yes the misspelling was intended because they are so incompetent!!!!!!

Desired Settlement: Fix it, get their sorry asses educated, refund the 25.00 processing fee, the stop payment fee of 30.00, and give me another skip payment. I feel this is the least they could do for all the time and energy it has taken to try and deal with this situation.

11/3/2012 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: On 10/21/2012 Sunday, the Atm at the woodlands location was broken so I couldn't withdraw the cash I needed to take my family out. In addition, during my attempt, my card's status was changed, so the other three atms, two of Arizona federal, and one of wells Fargo refused to let me withdraw, giving error messages.very frustrated, accu ruined my Sunday.

Desired Settlement: Compensation

Business Response:

Good Afternoon,

In response to **** ***'s complaint, I offer the following explanation.

On 10/21/12 AZ Central experienced some hardware issues and went into offline limits.  Mr. ***'s attempted to withdraw money 6-7 times, ranging from $200.00 - $500.00, which were all above the dollar threshold the credit union established for ATM Withdrawals during offline situations of $150.00.

Six minutes after his last ATM withdrawal attempt, Mr. *** successfully performed two transactions at *******, for $208.69 and $205.59, which, based on how close in time they are together and the dollar amounts, may have included cash back.

While I understand the frustration Mr. *** experienced, we do our best to ensure our members access to their funds during these situations, however his requests exceeded that limit.   Unfortunately, we are not able to provide any compensation to Mr. *** for his inconvenience.

If you require any additional information, please contact me.

Thank you,

***** ******

5/11/2012 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: To whom this may concern,On 3-27-12 at approximately 16:35 HRS i entered ******* ******* credit located at **** ********* ************* in central Phoenix Arizona.My intentions were to open up an account. I simply asked for a business card and I was told by the Assistant Branch Manager to leave the premises immediately or else he would call the police.It qualifies as a threat. This threat was without reason.I wish to file file a lawsuit against this organization regarding this matter.The name of the Assistant Branch Manager is **** ********.

Desired Settlement: I wish to file a lawsuit in retaliation for my consumer rights being violated.It is a credit unionfor the general public.I feel deprived from doing business with this institution at this location.This financial institution is within walking distance from my house.Feel free to contact me regarding this matter as soon as possible.I would really appreciate it.

Business Response:

Mr. ****** was in our branch last week making inappropriate inquiries about our business processes.  He became agitated, rude and extremely loud.

Our Assistant Branch Manager, **** ********, attempted to diffuse the situation but Mr. ****** refused to modify his behavior and was asked to leave.  He did not immediately leave the premises, so was told law enforcement would be called if he did not leave, which he did.

Mr. ****** did not state he was inquiring about joining the credit union at any time during his visit to our branch.

Based upon his behavior, we will not extend memebrship to him.

Thank you.

5/6/2012 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: Charging me fees when I have money in my account

Desired Settlement: Stop charging me fees when there is money in my account

Business Response:

I have reviewed Mr. ****** account history, and offer the following explanation.

Overdraft Privilege Fees are assessed when a transaction is presented against the available account balance, not the ledger balance of the account, which is why Mr. ****** has the misperception we are charging him fees when there is money in the account.  He obtained authorizations against the ledger balance, thereby reducing the amount of money available to pay previous transactions he performed.

Opting into plastic card access to Overdraft Privilege is required by Regulation E.   Mr. ****** completed that Opt-In process on 10/27/2010.

To avoid these fees, Mr. ****** may Opt-Out of plastic card access to Overdraft Privilege by calling the credit union or visiting one of our branch locations.  However, he needs to realize all debit card transactions would be authorized using his available balance after opting out.

Thank you, and we are available to address any further questions Mr. ****** may have at ************.

***** ******, Vice President, Operations