At a glance
From its website, read 2 Nov 2026Avenir Financial Federal Credit Union is a credit union based in Yuma, Arizona. Its website describes auto loans, commercial real estate loans, equipment loans and 3 other loan types. Consumer loan APRs stated on its site range from 3.99% to 4.99%. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (928) 819-5980 source |
|---|---|
| Toll-free | (866) 657-9409 source |
| Apply online | Page with the application link |
| Website | Avenirfinancial.org |
| Office (official list) | 1780 S. 1st Avenue, Yuma, AZ 85364 |
What their website says about applying
Talk with an Avenir Financial commercial lender to discuss goals and options for your business.
sourceCall (866) 657-9409 to speak to an Avenir Financial Home Loan Officer today!
sourceApply with a pre-filled application by logging into online banking.
sourceContact us today for your business financing
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | 8.99% - 17.99% | source |
| Auto / vehicle loans | Rate: from 3.99% APR | Auto Loan Rates (2025 and Newer) Effective Date: November 1, 2026 TERM APR* As low as (fixed rate) Up to 36 Months 3.99% | source |
| Auto / vehicle loans | Rate: from 4.99% APR | Used Auto Loan Rates (2024 and Older) Effective Date: November 1, 2026 TERM APR* as low as (fixed rate) Up to 36 Months 4.99% | source |
| Auto / vehicle loans | Term: 3 yr–7 yr | With terms from 36 to 84 months, we'll help you find | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Membership required – based on eligibility.
source - First-time homebuyer program
First-time Homebuyers Program
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Nov 2020 |
| RSSD ID | 685872 |
| Address | 1780 S. 1st Avenue, Yuma, AZ 85364 Directions (Google Maps) |
| Website | Avenirfinancial.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Auto, mortgage and business loan pages give no amounts; the service area is inferred only from Yuma and Arizona references. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Start Your Vehicle Loan Application | source |
| Commercial real estate loans | — | Purchase, refinance, or improve owner-occupied properties to expand your | source |
| Equipment loans | — | Fund vehicles, machinery, and technology with low rates and flexible terms. | source |
| Home mortgages | — | Apply for a home loan online, the process is quick and convenient. | source |
| Personal / consumer loans | $500 – $30,000 | $500 up to $30,000 | source |
| Small-business loans | — | Finance major purchases or expansion with predictable payments. | source |
Loan sizes
$500 up to $30,000
source
Service area
Not stated on the pages we read.
Borrower focus
- First-time homebuyers
First-time Homebuyers Program
source
Languages
- Spanish
Préstamos para Vivienda en Español a tu disposición.
source
Online application
Yes — the site links to an application. Apply for a home loan online, the process is quick and convenient.
source
Pages read (7)
- https://www.avenirfinancial.org/
- https://www.avenirfinancial.org/loans/auto-loans.html
- https://www.avenirfinancial.org/rates/index.html
- https://www.avenirfinancial.org/loans/personal-loans.html
- https://www.avenirfinancial.org/loans/home-loans.html
- https://www.avenirfinancial.org/business/business-loans.html
- https://www.avenirfinancial.org/business/business-savings.html
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages and personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.5 million in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2022 (CDFI Equitable Recovery Program; CDFI Rapid Response Program; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Small Dollar Loan Program | $175,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $60 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Treasury notes: Previously named A.E.A Federal Credit Union. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as AVENIR FINANCIAL (charter 4915). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $400.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 33,479 (as of 30 Jun 2026) |
| Offices | 4 (as of 30 Jun 2026) |
Offices by state and county (4)
Arizona (4 offices)
- Yuma County (4): 1780 S 1st Ave, Yuma 85364 (main office); 1565 E Main St, San Luis 85349; 530 E Main St, Somerton 85350; 11252 N Frontage Rd, Yuma 85367
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Avenir Financial Federal Credit Union (NCUA charter 4915, filed as “AVENIR FINANCIAL”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $292.7 million, 10,186 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 15.3% from $253.9 million on 30 Jun 2025 |
| Members | 33,479 (as of 30 Jun 2026); 34,220 (as of 30 Jun 2025) |
| Loans per member | $8,742 (total loans divided by members, 30 Jun 2026) |
| Total assets | $400.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $13.1 million | 4.5% |
| Used vehicle loans | $57.2 million | 19.5% |
| First-lien home mortgages (1-4 family) | $31.5 million | 10.8% |
| Other real estate loans (junior liens, other) | $2.9 million | 1.0% |
| Commercial (business) loans | $162.9 million | 55.7% |
| Other unsecured loans | $15.7 million | 5.4% |
| Leases and other secured loans | $9.3 million | 3.2% |
None reported on the 30 Jun 2026 report: credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $400.9 million | Larger than 80% of the 5 other certified credit unions in Arizona (median $247.9 million). |
| Loans as a share of assets | 73% | Median of the same 5 credit unions: 56%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $253.9 million → $292.7 million (+15%) | Median change of 5 other certified credit unions in Arizona: -1%. Rank by loans held among these 6: 2 → 2. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Arizona | 5 | larger than 80% |
| Loans held then vs now | certified credit unions in Arizona reporting both dates | 5 | rank 2 → 2 of 6 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Yuma and Arizona
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgagesVerified
- First American Credit UnionCredit union · Casa Grande, AZAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- Growth Partners ArizonaLoan fund · Tucson, AZNonprofit / community facility loans, Small-business loansVerified
- Hopi Credit AssociationLoan fund · Keams Canyon, AZ · Native CDFIHome repair / improvement loans, Microloans, Personal / consumer loans, Small-business loansVerified
- MariSol Federal Credit UnionCredit union · Phoenix, AZAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- MicroCare Community Development SolutionsLoan fund · Tucson, AZMicroloans, Personal / consumer loansVerified
Work at Avenir Financial Federal Credit Union? Link to this page
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