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Worth it?

Arizona Financial CU Free Checking bonus: is $200 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$200: more than leaving it at 4.15%

With $20 for 60 days, the tier that adds the most.

With the bonus6083.33%
Leave it where it is4.15%

Yearly rate on $20 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $20
    $100 bonus · 60 days
    +$100
  • $20
    $150 bonus · 60 days
    +$150
  • $20Best for you
    $200 bonus · 60 days
    +$200

The math

Compared with leaving $20 at 4.15%

Bonus
+$200
Interest while it's there
No interest assumed
$0
What it'd earn at home
$20 at 4.15% for 2 mo
$0
Extra
+$200
Works out to 6083.3% a year on that cash, vs 4.15% at home.

Get $1,000 in direct deposits within 60 days · Keep $500 there until day 60. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Get $1,000 in direct deposits within 60 days
  2. 2Keep $500 there until day 60
Ends
No end date listed
Where
Arizona
Monthly fee
None
Keep it open
At least 180 days, or the bonus can be taken back
Cash stays
About 60 days
Bonus paid
Usually within 75 days of finishing
Credit check
None
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the Arizona Financial CU Free Checking bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $20 tier adds +$200: the $200 bonus, minus the $0 that cash would have earned in 60 days. The $20 tier adds +$150. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Get $1,000 in direct deposits within 60 days; keep $500 there until day 60. Open to residents of Arizona.

When does it end?

No end date is listed. The terms were last checked Oct 10, 2026.