Anna-Maria Fernandez (born October 22, 1960) is an American former professional tennis player active during the 1980s. She won five WTA titles during her career, all in doubles. Her career high ranking in singles was number 19, in approximately 1979–1980. She was a member of the University of Southern California's national championship team (1979 and 1980) and captured the AIAW singles national championship title in 1981. She was named the National Collegiate Player of the Year (1981) winning the Broderick Award (now the Honda Sports Award) as the nation's best female collegiate tennis player. She earned a BA degree in Broadcast Journalism from USC (1983).

She is married to former tennis player Ray Ruffels and is the mother of professional golfers Ryan Ruffels and Gabriela Ruffels. She is of Peruvian American ancestry.