Fraud Alert – If you receive a suspicious call or text message claiming to be from a OneAZ Representative, please call the phone number on the back of your credit or debit card. If OneAZ contacts you, we will never ask for personal/account information or Online Banking Credentials (password, username, or passcodes) by phone or text message.

  • A smooth ride ahead:
    Auto loan rate drop!

    New Auto loans starting at 5.49% APR.1

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  • Let's unlock new beginnings.
    0.25%1 Rate Discount on fixed and ARM loans

    Reduce your interest rate on fixed and ARM loans when you bank with us.

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  • Let’s set the trend.
    0% Interest on Visa Choice Rewards

    0% 12-month introductory APR1

    Available on the first 90 days of purchases

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  • Let’s Teach Smart Spending.
    OneAZ Teen Debit Card

    Available for teens 13 years and older.

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New Auto


APR1 for 48 months

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Used Auto


APR3 for 48 months

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Choice Rewards Credit Card


12-Month Introductory APR1 on first 90 days of purchases

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Home Equity Line of Credit (HELOC)


6-Month Introductory APR1

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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 Work?

This guide covers how credit scores are calculated, their impact on lending decisions, & practical strategies to improve and maintain a strong score.

Keep Reading

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 the year 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


Home Loan

Home Loan Calculator



Auto 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


New Auto1

Drive your dream car today.

Used auto loan rates as low as 5.69% 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 September 15, 2023.

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