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AZ529, Arizona's Education Savings Plan

Offered by the Arizona State Treasurer's Office and managed by Fidelity, this 529 plan is open to US residents.

Open a 529 account

Tax advantages

The Arizona 529 plan offers federal and state tax benefits as you save for a child's education.

Flexible use of funds

Use the funds for a wide range of college expenses at accredited schools nationwide—plus tuition expenses for K–12th grade, certain apprenticeship costs, and student loan repayments.¹

Many investment choices

Choose either an Age-Based Strategy or a Custom Strategy based on your specific investment goals.

College gifting service

Friends and family can send gifts directly to your 529 with our free, online college gifting service. Gifters don't need a Fidelity account.

Fidelity Investments 529 College Rewards^® Visa Signature^® Card

Help to grow your college savings account with unlimited 2% cash back on every eligible net purchase.²

What is a 529 plan?

This tax-advantaged education savings account could help you hit your college savings goals. There's no annual account fee and no income restrictions.

Morningstar silver rating logo

The AZ529, Arizona's Education Savings Plan received Morningstar's 2023 Silver Rating.³

Read Morningstar's 529 industry report

Tax advantages
Earnings	Any earnings grow federal income tax-deferred.
Contributions	Arizona residents and taxpayers are eligible for a state tax deduction on 529 contributions. The annual tax deduction cannot exceed $2,000 per beneficiary for single individuals and $4,000 per beneficiary for married filing jointly. Use the 529 state tax deduction calculator to learn more.
Withdrawals	Qualified withdrawals are free from federal and Arizona income taxes.
Account details
Account maximum	$590,000 effective October 1, 2024⁴
Investment expenses	Fees vary, depending on your investment strategy: 0.47%–0.95% (Fidelity Funds) 0.10%–0.14% (Fidelity Index Funds) 0.40%–0.60% (Fidelity Blend) 0.05%–0.50% (Bank Deposit Portfolio)
Plan performance	View information on the funds' short-term performance, or average annual total returns by month or by quarter. Download the annual report (PDF)
Additional resources
Arizona State Treasurer's Office	Learn more about the state sponsor for this plan.
Plan application & fact kit	Download the application and supporting documents.

Consider these tips from Fidelity customers who found easy ways to ask their family and friends to consider gifting to their 529 on gift-giving occasions.

Open a 529 account

Find out what you'll need before you open an account

Already have a 529 account? Fund your accountLog In Required

Learn about college planning

Access a library of courses, articles, and videos to learn more about planning and saving for college.

Get started with college savings

Understand what it's like to have an account, from choosing a plan to withdrawing funds.

Are you on track?

Anyone can use our college savings calculator to figure out how much to save each month. Login or become a member to create a personalized savings planLog In Required and track your progress.

Ahorros para la universidad (PDF)
Un folleto en Español con informacion sobre productos y soluciones de ahorrar para el futuro de su hijo

Abra una Cuenta para el Plan de Ahorro para la Educación de Arizona AZ529
Descargue la Solicitud de Cuenta y el Paquete de Datos del Plan de Ahorro para la Educación de Arizona.

Questions?

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Portfolio	Estimated Underlying Fund and Management Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
AZ Portfolio 2042 (Fidelity Funds)	0.67%	0.125%	0.045%	N/A	0.84%	N/A
AZ Portfolio 2039 (Fidelity Funds)	0.64%	0.125%	0.045%	N/A	0.81%	N/A
AZ Portfolio 2036 (Fidelity Funds)	0.61%	0.125%	0.045%	N/A	0.78%	N/A
AZ Portfolio 2033 (Fidelity Funds)	0.58%	0.125%	0.045%	N/A	0.75%	N/A
AZ Portfolio 2030 (Fidelity Funds)	0.55%	0.125%	0.045%	N/A	0.72%	N/A
AZ Portfolio 2027 (Fidelity Funds)	0.50%	0.125%	0.045%	N/A	0.67%	N/A
AZ Portfolio 2024 (Fidelity Funds)	0.44%	0.125%	0.045%	N/A	0.61%	N/A
AZ College Portfolio (Fidelity Funds)	0.43%	0.125%	0.045%	N/A	0.60%	N/A
AZ Aggressive Growth Portfolio (Fidelity Funds)	0.78%	0.125%	0.045%	N/A	0.95%	N/A
AZ Moderate Growth Portfolio (Fidelity Funds)	0.67%	0.125%	0.045%	N/A	0.84%	N/A
AZ Conservative Portfolio (Fidelity Funds)	0.30%	0.125%	0.045%	N/A	0.47%	N/A
AZ Stable Value Portfolio	0.45%	0.07%	0.01%	N/A	0.53%	N/A

Portfolio	Estimated Underlying Fund and Management Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
AZ Portfolio 2042 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2039 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2036 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2033 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2030 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2027 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2024 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ College Portfolio (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Aggressive Growth Portfolio (Fidelity Index)	0.04%	0.07%	0.02%	N/A	0.13%	N/A
AZ Moderate Growth Portfolio (Fidelity Index)	0.04%	0.07%	0.02%	N/A	0.13%	N/A
AZ Conservative Portfolio (Fidelity Index)	0.04%	0.07%	0.02%	N/A	0.13%	N/A
AZ Intermediate Treasury Index Portfolio	0.03%	0.07%	0.02%	N/A	0.12%	N/A
AZ International Index Portfolio	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Fidelity 500 Index Portfolio	0.02%	0.07%	0.02%	N/A	0.11%	N/A
AZ Total Market Index Portfolio	0.01%	0.07%	0.02%	N/A	0.10%	N/A

Portfolio	Estimated Underlying Fund and Management Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
AZ Portfolio 2042 (Blend)	0.48%	0.08%	0.04%	N/A	0.60%	N/A
AZ Portfolio 2039 (Blend)	0.45%	0.08%	0.04%	N/A	0.57%	N/A
AZ Portfolio 2036 (Blend)	0.43%	0.08%	0.04%	N/A	0.55%	N/A
AZ Portfolio 2033 (Blend)	0.40%	0.08%	0.04%	N/A	0.52%	N/A
AZ Portfolio 2030 (Blend)	0.37%	0.08%	0.04%	N/A	0.49%	N/A
AZ Portfolio 2027 (Blend)	0.33%	0.08%	0.04%	N/A	0.45%	N/A
AZ Portfolio 2024 (Blend)	0.29%	0.08%	0.04%	N/A	0.41%	N/A
AZ College Portfolio (Blend)	0.28%	0.08%	0.04%	N/A	0.40%	N/A

AZ529, Arizona's Education Savings Plan

Plan details

Investment options

FAQs

529 overview

Why invest in a 529 college savings plan with Fidelity?

Tax advantages

Account details

Additional resources

How to ask for gifts to a 529 account

Learn more

Hablamos español

Get in touch

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2024: Fidelity Funds

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2024: Fidelity Index Funds

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2024: Blend

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2024: Bank Deposit Portfolio

Mutual Funds and Mutual Fund Investing - Fidelity Investments

AZ529, Arizona's Education Savings Plan

Plan details

Investment options

FAQs

529 overview

Why invest in a 529 college savings plan with Fidelity?

Tax advantages

Account details

Additional resources

How to ask for gifts to a 529 account

Learn more

Hablamos español

Get in touch