Welcome to Havasu Community Credit Union – your local credit union!

Havasu Community Credit Union (a division of LA Financial Federal Credit Union) is proud to serve Lake Havasu City and its surrounding areas. Membership is open to anyone who lives, works, worships, volunteers, or attends school in Lake Havasu City, AZ. As a member, you’ll have access to our free financial education resources and financial products with some of the best features, rates, and services in the market. So, whether you’re looking for a loan, a savings account with a better rate, or a checking account with perks that will save you money, you’re in the right place.

Welcome to Havasu Community Credit Union

Why our members ♥ us

We have an 85-year history of putting our community first, serving members like you. Our 26,000+ members benefit from competitive rates and great products backed by local, friendly service.

Take advantage of special offers.

It pays to be a member of our credit union!

Get $100 On Us!

Get $100 when you open a Play or Flex account1 and sign up for direct deposit within 30 days of opening your account. These VIP checking accounts have amazing perks like healthcare savings, cellphone protection, and gas discounts. The Play account even earns interest! Compare accounts to see which one is right for you.

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Refer Friends. Earn Cash.

Share the benefits of our credit union membership with your family, friends, and colleagues, and you'll both get $100 when they open a Play or Flex account2 or $150 if they get an auto loan or personal loan3. It's a win-win!

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Fund Your Fun

Enjoy 0.25% APR4 off your next watercraft, car, motorcycle, or RV loan when you sign up for automatic payments from your Havasu Community / LA Financial Credit Union Checking Account. Plus, get no payments for 90 days and up to 125% financing!4

Apply now >

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Boost Your Earnings

Our Flex-Term Certificate earns an impressive 4.59% APY5, and you can choose your term, 5, 9, or 13 months. Open this new money certificate starting with $1,000 or more. Get short-term savings growth with guaranteed returns and no maintenance fees.

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Savings On the House

Make home improvements, consolidate debt, or travel on the house! Tap into your home’s equity to borrow and save big with our Home Equity Line of Credit special intro rate of 3.99% APR6 for the first six months! After that, the rate will adjust to the prime rate (currently 8.500% APR).

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Looking for a home loan? We've got those, too.

Did you know that as a credit union we’re able to offer more competitive rates than traditional banks? Whether you’re buying a new home, refinancing your current mortgage, or opening a home equity line of credit (HELOC), we have a loan option for you.

Learn more

Or speak with our home loans team: 1-800-894-1200, Option 1

We’re committed to helping you and your family build healthy financial habits

Free Financial Literacy Tools

We offer a variety of free educational resources including one-on-one counseling, free online courses, and more.
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Youth Savings Accounts

Start building a strong financial foundation for any special child in your life with our three different youth account options.
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We also offer:

Home Loans icon

Home Loans

Purchase, refi, and HELOC
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Financial Education icon

Financial Education

Free education resources, 1:on:1 counseling, and more.
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Youth Savings Accounts icon

Youth Savings Accounts

Build a financial foundation for the children in your life.
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Personal Loans icon

Personal Loans

Fixed-rate loans and lines of credit
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Credit Cards icon

Credit Cards

For both personal and business
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Insurance icon

Insurance

Homeowners, auto, life, and AD&D
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We also offer:

Personal Loans

Home Loans

Purchase, refi, and HELOC
Learn more >

Savings Accounts

Financial Education

Free education resources, 1:on:1 counseling, and more.
Learn more >

Credit Cards

Youth Savings Accounts

Build a financial foundation for the children in your life.
Learn more >

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Personal Loans

Fixed-rate loans and lines of credit
Learn more >

Credit Cards

Credit Cards

For both personal and business
Learn more >

insurance shield icon

Insurance

Homeowners, auto, life, and AD&D
Learn more >

Credit Unions vs. Banks

Better Rates

As not-for-profit institutions, credit unions offer lower loan rates and higher deposit rates than banks.

Valuable FREE Services

Credit union members enjoy the convenience of service with today’s technology, including telephone and online banking. Havasu Community Credit Union provides members no-surcharge access to 5,000+ CO-OP Shared Branch Network locations and nearly 30,000 surcharge-free CO-OP ATMs.

Member Ownership

Owned by their members (not stockholders), credit unions focus on people, not profits. Members elect a volunteer board to oversee their credit union. The Credit Union’s resources are then directed toward the good of the membership as a whole. Credit unions exist to serve their member-owners by helping them to thrive financially.

We’re right here and ready to help

1 Offer is only open to those not currently enrolled in a Play or Flex spending/checking account. To qualify for the $100 bonus, you must be eligible for membership and a checking account based on Credit Union approval, open a Play or Flex Spending account, otherwise known as a subscription checking account, and establish direct deposit within the first 30 days of account opening, with a minimum of $500 in direct deposits per month, for a qualifying period of 90 days. After 90 days of qualified activity, LA Financial Credit Union will post the $100 as a bonus to the member’s Primary Savings Account within 30 days. Only one $100 bonus is given per member when opening a new subscription checking account. Member referral bonuses are unlimited and paid separately from this program. Offer only eligible for LA Financial members in good standing. The offer is available for a limited time only and may be discontinued at any time. Member must be 18 years or older to qualify. A 1099-INT will be issued to members who receive this bonus for tax purposes. Visit lafinancial.org/checking-bonus/ for full details.

2 Refer a friend offer is only eligible for new members referred by current LA Financial or Havasu Community Credit Union members as of the opening date of a new Play or Flex Spending Account, otherwise known as a subscription checking account. New member must qualify for membership and a checking account based on Credit Union approval. After 90 days of qualified activity, which includes establishing direct deposit within the first 30 days of account opening with a minimum of $500 or more, the promotional dividend amount of $100 will be posted to both the referrer and newly referred members’ LA Financial Primary Savings accounts within 45 days. The referrer's full name must be submitted on the Play or Flex Account application during opening. No dividend will be given to either party if the referrer's name is mentioned after the original application has been submitted. Members' personal information will not be shared for purposes other than this referral transaction. Offer only eligible for LA Financial members in good standing. This referral program is available for a limited time only and may be discontinued anytime. Members must be 18 years or older to qualify. A 1099-INT will be issued to members who receive this bonus for tax purposes. Visit lafinancial.org/member-referral for full details.

3 Offer is only eligible for new members referred by current LA Financial or Havasu Community Credit Union members as of the date of application on new and used vehicles or refinances with a minimum loan amount of $15,000 and personal term loans with a minimum loan amount of $10,000. We only offer personal loans in California & Arizona. Personal Lines of Credit are not eligible for this promotion. Not valid on existing LA Financial vehicles or personal loans. The loan applicant and referrer are ineligible for the $150 promotional dividend if the loan applicant is already a member of LA Financial Credit Union. The referrer must be a current member of LA Financial. The promotional dividend amount of $150 will be posted to both the referrer and loan applicant's LA Financial Primary Savings accounts within 45 days of funding. This referral program is available for a limited time only and may be discontinued anytime. The loan must be accepted and funded to receive the offered dividend. Referrer and loan applicant only receive a dividend after a loan is funded. The referrer's full name must be submitted on the loan application during the initial loan inquiry. No dividend will be given to either party if the referrer's name is mentioned any time after the loan application has been submitted. Members must be 18 years or older to qualify. Members' personal information will not be shared for purposes other than this referral transaction. Offer only eligible for LA Financial members in good standing. Visit lafinancial.org/member-referral for full details.

4 APR=Annual Percentage Rate. Offer is eligible for new and used vehicle purchases or refinances. Not valid on existing LA Financial or Havasu Community Credit Union vehicle loans. Sign up for automatic payments from your Havasu Community / LA Financial Credit Union Checking Account to receive a 0.25% APR discount. Some restrictions may apply. Loan approval is subject to credit and income evaluation and approval. Consumer loan rates may vary depending on credit profile, term, mileage, and the amount financed. Up to 125% Loan-to-Value financing on new auto loans and up to 115% Loan-to-Value financing on used auto loans on approved credit. Up to 100% Loan-to-Value applies on all cash-out refinances and first-time auto buyers. Qualifying members may elect to defer their first payment for up to 90 days from the loan funding date. Interest will accrue during the deferral period. Subject to credit approval. Rates and terms are subject to change without notice.

5 APY= Annual Percentage Yield is accurate as of 1/01/24. The current dividend rate is 4.59% APY. Available for new money only. New money is defined as funds not currently or previously on deposit with LA Financial CU or Havasu Community CU. The advertised 4.59% APY with a minimum of $1,000 assumes dividends remain on deposit until maturity. Once mature, a 5-month term certificate will roll over to a 6-month term at the then current rate; 9-month or 13-month term certificates will roll over to a 12-month term at the then current rate. Dividends accrue daily and are paid monthly and at maturity. Early withdrawal penalties apply. This offer is valid for Traditional and Roth IRA Certificates. This offer is not valid on business accounts. All Credit Union programs, rates, terms, and conditions are subject to change without notice. Offer rates and terms are subject to change without notice. Please see our Account Agreement and Deposit Disclosures Packet at lafinancial.org/forms-disclosures for full terms and conditions. For current dividend rates, go to lafinancial.org/bank/savings-accounts/savings-accounts-rates. You must be a member or qualify for membership to open a certificate. Federally Insured by NCUA. Visit lafinancial.org/certificate-promo for full details.

6 APR=Annual Percentage Rate. CLTV= Combined Loan to Value. Home Equity Line of Credit (HELOC) intro rate of 3.99% APR for six months (up to 80% CLTV). All HELOC loans offer a 10-year draw period followed by a 15-year repayment period. The minimum monthly payment during the 10-year draw period is 1.25% of the outstanding balance or $100.00, whichever is greater. The minimum draw amount per draw is $500. As an example, an outstanding balance of $10,000 @ 1.25% = $125 payment. After the 10-year draw period, the loan balance is payable over 15 years. At the current HELOC variable APR of 8.500%, your payments are just $12.50 per $1,000 for 120 months. All rates are quoted on approved credit as Annual Percentage Rates (APRs) and may be subject to pricing add-ons related to credit score. Loan approval is subject to credit, income, and property valuation. All HELOCs are variable-rate loans, and rates are subject to change daily and without further notice. The maximum rate ceiling is 18.00%. Loan closing fees and costs range from $1,084.50-$1,967.50. Property insurance will be required. The promotion is offered for a limited time and may be discontinued anytime. Visit lafinancial.org/heloc-promo for complete details.

Federally Insured by NCUA. Equal Housing Lender