After looking at F. benghalensis, I think previous posters are correct with that ID. Odd that it and lutea are so similar... but there you have it!
Imonkeypants, keep in mind that both of these ficus want to be a gigantic tree, benghalensis tops out at 100 feet. I see you're in Arizona, so don't plant it in the ground, especially near the house since roots can lift and wreck the foundation. Folks in Florida make that mistake with F. elastic, the common Rubber Tree, another giant if given the chance.
Russ
