OneAZ Credit Union

Security Alert – We have received reports of members receiving text messages and phone calls from someone claiming to be from “OneAZ Fraud Department” asking for their debit card number and expiration date. This is a phishing attempt and a security threat. If you received this text, please delete it. If you responded to the text or call and provided account information, please call the phone number on the back of your debit card, and closely monitor your transactions. Reminder – OneAZ will NEVER call or text you to request your debit card number, expiration date, or other account or personal information.

New Auto

4.79%

APR for 48 months

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Used Auto

4.99%

APR for 48 months

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Credit Cards

1.99%

6-Month Introductory APR

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Home Equity Line of Credit (HELOC)

3.99%

6-Month Introductory APR

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OneAZ Mobile Banking app - Card Controls
Data rates apply.

Next Level Banking

Now your bank is as mobile as you are.

  • Set Travel Notices
  • Card Controls
  • Financial Goal Setting
  • Seamless on All Devices
  • Alerts
  • Check Ordering
Compatible with:
Compatible with Apple Pay, Google Pay, Samsung Pay
  • Mortgages

    Make your dream home a reality when you finance it with a OneAZ home loan.

  • Checking

    Discover simple, secure banking solutions and access your money on the go with OneAZ checking.

  • Auto Refinance

    Refinance your auto loan with OneAZ for a better rate and a lower monthly payment.

Benefits Checking

Checking that benefits you.

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Benefits Checking

Free Means Free.

No hidden fees.

Just free checking.

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Start at One

At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances. Explore trending topics and tips for a healthy financial future.

See More Articles

How Does a Credit Score Really Work?

Your credit score is a representation of your behavior with borrowing money and is used by potential lenders to determine your level of risk before they lend you money.

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How to Teach Your Children About Finances

Try these fun tips to help your little ones learn the importance of budgeting, saving and spending wisely.

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Four Financial Goals to Keep You Moving Forward

Many Arizonans are reevaluating their finances right now. Here are four new goals you can set for the remainder of 2020 to get back on track.

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7 Questions to Ask Your Mortgage Lender

Before you sit down with your mortgage lender, make sure you ask these 7 questions so you have a full and better understanding of how a mortgage works and what you can expect.

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Money Management for Arizona College Students

OneAZ is here to give you the run-down of what you need to know to manage your funds so you can focus more on studying than on worrying about expenses.

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What is the Difference Between a Credit Union and Bank?

Banks are for-profit, which means banks are either privately owned or publicly traded. Credit unions are not-for-profit institutions and are owned by the members of the credit union.

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Calculator Resources

Mortgage

Home Loan
Calculator

Home Loan Calculator

Auto

Auto
Calculator

Auto Calculator

Savings

Budgeting
Calculator

Budgeting Worksheet

Business Services

Full-Service Relationship Business Banking.

Over 10,000 local Arizona businesses bank with OneAZ Credit Union.

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Business Member Testimonial: Mahalo Made

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Business Member Testimonial: Johanna Klomann CPA PLLC

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Business Member Testimonial: State Forty Eight

Auto rates as low as

4.79
%
APR

New Auto2

Drive your dream car today.

Used auto loan rates as low as 4.99% APR.3

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I Am You 360 in Tucson

Desiree Cook of I Am You 360 works to give homeless and at-risk youth in Tucson the basic sense of security and dignity we all deserve.

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High Country Humane

For many people, dogs and cats are more than just pets, they’re part of the family. High Country Humane is making sure veterans in Northern Arizona get veterinary care for their furry family members by providing low cost or free treatment to former servicemembers.

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Gen Justice

Gen Justice in Phoenix is helping Arizona’s most vulnerable children. Since 2017, Gen Justice has been advocating for the rights of children in the foster care system. Their efforts have led to monumental changes in the system.

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Rates as of November 4, 2022.

APR = Annual Percentage Rate

1 Purchase transactions only. Minimum FICO score and maximum DTI ratios are applicable. Strong financial profile is necessary. Excellent credit is required on this program. Additional conditions/requirements are applicable. Not all individuals will qualify; ask about other alternative financing options.

2 For 2021 and newer vehicles. Term of up to 48 months; with an APR of 4.79% and estimated monthly payment of $22.94 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 4.99% and estimated monthly payment of $18.87 per $1,000 borrowed. Auto loans of $75,000 to $99,999.99, are subject to a rate increase of .50%; Auto loans $100,000.00-$150,000 are restricted to 75% loan to value (LTV) and subject to a rate increase of 1.00%. Taxes and fees are not included. The rate may vary depending on each individuals’ credit history and underwriting factors. Loans through dealers do not qualify for promotional rate. Rates include a 0.25% discount for having a Benefits Checking account.

3 For 2020 – 2018 vehicles. Term of up to 48 months; with an APR of 4.99% and estimated monthly payment of $23.03 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 5.19% and estimated monthly payment of $18.96 per $1,000.00 borrowed. Auto loans of $75,000 to $99,999.99, are subject to a rate increase of .50%; Auto loans $100,000.00-$150,000 are restricted to 75% loan to value (LTV) and subject to a rate increase of 1.00%. Taxes and fees are not included. The rate may vary depending on each individual’s credit history and underwriting factors.Rates include a 0.25% discount for having a Benefits Checking account.

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