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Have we mentioned our competitive rates?

Auto loan rates as low as 3.49%1

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HELOC rates as low as 5.00%2

(Variable APR may range from 5.00% to 7.25% based on applicant’s credit)
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Up to 25% rebate on your next Mortgage with Home Rewards3

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6-month introductory 1.90% APR4

(APR may range from 12.74% to 18.00% APR based on applicants credit after introductory period)

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APR = Annual Percentage Rate. This offer is subject to credit qualification, including verification of income, employment status, current debt obligations and other factors indicating your ability to repay the loan offered. Additional documentation will be required. Rates effective October 1, 2019 and subject to change without notice. Click here for membership eligibility.

1 For 2018 and newer vehicles that have never been titled. Auto loan APR may range from 3.49% to 18.00% based on credit qualifications, term of loan, and payment options. Loans through dealers do not qualify for promotional rate. 

Variable Rate Product. APR = Annual Percentage Rate. Rates and terms are based on your credit worthiness. The initial rate may range from 5.00% to 7.25% based on loan amount, CLTV and applicant's credit. The fully indexed corresponding APR may range from 5.00% to 7.25%. OneAZ may pay third party fees on your behalf, in which case these will be subject to recapture if loan is paid off or closed within 36 months. No $75.00 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal as of the 15th of each month. Variable Rate Provision: To determine the APR we add a margin to the value of the index and round up to the nearest 0.25%. APR: Lifetime cap is 18.00%. Draw Period: 10 years. Repayment Period: Up to 15 years. Minimum Payment Requirements: You will be required to make payments during the draw period (10 years) and the repayment period (up to 15 years).

3 The HomeSmart program is made available to you through a relationship between OneAZ Credit Union and Home Rewards Group, Inc. Program Cash Rewards are awarded by Home Rewards Group, Inc. to buyers and sellers who select and use a real estate agent in the HomeSmart network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using OneAZ Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. OneAZ Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please contact the Credit Union to get details that may affect you.

4 Please see the table below.

Annual Percentage Rate (APR) for Purchases 1.90% For introductory period of 6 months.
After that, your APR will be 12.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Balance Transfers Balance Transfer APR: 1.90% introductory period of 6 months.
After that, your APR will be 12.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Cash Advances Cash Advance APR: 1.90% For introductory period of 6 months.
After that, your APR will be 12.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:
  • Your minimum monthly payment is more than 60 days late
  • You are in default of any other terms of the Agreement
How long will the penalty APR apply?
If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
Minimum Finance Charge If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
Annual Fee None
Transaction Fees:
   Cash Advance
   Foreign Transaction

   3% of the cash advance transaction (minimum $10.00)
   1% of the US dollar amount of the foreign transaction
Penalty Fees:
   Late Payment Fee
   Returned Item Charge

   $25.00 or the amount of the returned item, whichever is less
Other Fees:
   Pay by Phone


How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new purchases).
Effective Date. The information about the costs of the card described in this disclosure is accurate as of October 1, 2019. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.