New Hours

Ray FCU is now open Monday through Friday 9 am to 5 pm, and Saturdays 9 am to 1 pm.

New ATM in Kearny!

La Cantina, 382 Alden Rd, Kearny, AZ 85137

ATM now in Hayden!

Hayden Town Hall, 520 Velasco Ave, Hayden AZ 85135

CheckFree In Person Bill Pay

You can now pay thousands of bills in person at the credit union. APS payments are free. Just bring your bill to the credit union and ask us about bill pay.


The ATM at the credit union is available to all members 24 hours a day, 7 days a week! If you have a Ray FCU debit card or Prepaid CU Money Card, there is no withdrawal fee.  A Deposit Drop is located next to the ATM for your convenience.

Online Banking

Online Banking is now available! Any Member interested in signing up, please call 520-363-5681 to get your sign up information. Any of our tellers will be glad to help you get started.

Low Rates on Auto Loans

If you have been waiting for loan rates to come down, then now is the time to apply at Ray FCU. Take advantage of our interest rates on NEW VEHICLES for as low as 2.99% APR* and USED VEHICLES for as low as 3.49% APR*. Whether you are purchasing a new or used vehicle or refinancing your existing vehicle, our rates are sure to save you money!

*APR = Annual Percentage Rate

Still Buying Money Orders Somewhere Else?

With our money orders you have the confidence of knowing that you can make one call to find out what the status of your money order is. We can find out if it is lost in the mail, who cashed it, or when the transaction was completed. We can print out a copy of the money order for you if needed. We've even lowered the cost to $1.00 per money order. So don't go anywhere else for your money orders!