Best Banks & Credit Unions in Flagstaff, Arizona

Banks and credit unions serving Flagstaff, Arizona. Compare up to 3.80% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Flagstaff, Arizona. All rankings inherit from the Arizona state directory. Every institution listed is licensed to serve Flagstaff residents and is either headquartered in Arizona or operates branches in the metro.

Top options in Flagstaff

• Western State Bank: 4.00% APY. 11-Month CD Special: Promotional 11-month or 18-month CD at the same APY; $1,000 minimum deposit to open and obtain the APY; personal and business accounts; APY effective 07/13/26; no standard 12-month rate is published. Read Sep 7, 2026 on westernbanks.com. Rates as of 2026-07-13 per the page.
• America First Credit Union: 3.95% APY. 12-month Regular Certificate: 12-17 month term; $500.00 minimum opening and earning balance; 3.88% dividend rate; dividends credited monthly. Read Sep 7, 2026 on americafirst.com. Rates as of 2026-09-04 per the page.
• KS StateBank: 3.95% APY. 12-month Certificate of Deposit: 1 Year CD; $500 minimum to open; 3.89% interest rate; interest compounded and credited quarterly. Read Sep 7, 2026 on ksstate.bank. Rates as of 2026-05-05 per the page.
• Alliance Bank of Arizona: 3.80% APY. High-Yield Savings Premier: Online savings account; $500 minimum deposit to open and $0.01 minimum balance to earn the APY on the entire balance; no account fees; no requirements to earn the full APY; funded by ACH from one linked external account; page says the APY is accurate as of January 8, 2026. Read Sep 7, 2026 on westernalliancebank.com. Rates as of 2026-01-08 per the page.
• OneAZ Credit Union: 3.75% APY. Propel Savings: The site's high-yield savings, tiered: 3.75% APY on $0.01-$9,999.99, 3.75%-3.09% on $10,000-$24,999.99, down to 2.28%-1.58% on $100,000+; $100 minimum to open ($500 maximum online); no minimum balance to earn the stated APY; monthly fee waived when enrolled in eStatements. Read Sep 7, 2026 on oneazcu.com. Rates as of 2026-09-01 per the page.
• Navy Federal Credit Union: 3.70% APY. 12-month Standard Certificate: $1,000 minimum deposit ($1K tier); 'Rates as of Sep 07, 2026 ET' per the page. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.

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See the full Arizona banks directory for every institution we've verified in the state, plus the underlying methodology.