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Manage your finances on the go with our highly rated mobile banking app and state-of-the-art online banking.

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We’re community-focused. We help students, nonprofits and disaster victims thrive financially, because we believe when our community succeeds, we all succeed.

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Banking in your pocket.

Mobile banking is available at your fingertips with our free myOneAZcu app. Data rates apply.

  • Deposit checks
  • Schedule payments
  • Transfer funds
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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 subject to change without notice. Click here for membership eligibility.

Rates as of October 1, 2020.

1 For 2019 and newer vehicles that have never been titled. Term of up to 48 months; with an APR of 2.99%, and estimated monthly payment of $22.16 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 2.99%, and estimated monthly payment of $17.97 per $1,000 borrowed. 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.

2 APR = Annual Percentage Rate. APR may range from 4.50% APR to 5.50% APR. Interest Rate is variable and based on the Prime Rate, as reported by the Wall Street Journal, plus an applicable margin. The margin is based on applicant’s Credit Score, Loan to Value, and Loan Amount. There is a Floor Rate of 4.50% and a cap of 18.00%. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

3  Please see the table below.

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 1.99% for introductory period of 6 months.
After that, your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Balance Transfers Balance Transfer APR: 1.99% for introductory period of 6 months.
After that, your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Cash Advances Cash Advance APR: 1.99% for introductory period of 6 months.
After that, your APR will be 11.99% - 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 http://www.consumerfinance.gov/learnmore.
FEES
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
$25.00 or the amount of the returned item, whichever is less
Other Fees:
Pay by Phone

$10.00

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). We reserve the right to amend the VISA© Credit Card Agreement as permitted by law.

Effective Date. The information about the costs of the card described in this disclosure is accurate as of October 1, 2020. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.

Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a payment more than 60 days late.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

These Account Disclosures for the Choice Rewards Credit Card are part of and integrated with your Credit Card Agreement and Disclosure with OneAZ Credit Union.

How are Reward Points Calculated?

Points are calculated on each individual purchase transaction and rounded [up or down] to the nearest whole dollar. The individual results are then added together and we subtract any returns, credits or adjustments to determine the net points earned. Points are calculated and credited daily.

How Do I Redeem My Rewards?

There are five ways you can redeem your points:

  1. Travel Redemption
  2. Merchandise Redemption
  3. Merchant Gift Card Redemption
  4. Cash Redemption
  5. Donation Redemption

There is no fee to participate in the OneAZ rewards program and you are automatically enrolled when opening a OneAZ Choice Rewards Credit Card.

All point redemptions are final. Redemptions are subject to point availability and other conditions contained in the Choice Rewards Credit Card Terms and Conditions disclosure.

Disputes:

  1. All point disputes must be made in writing and sent to:
    OneAZ Credit Union
    Attn: Card Services
    2355 W. Pinnacle Peak Road
    Phoenix, AZ 85027
  2. You must contact us within 60 days after the error appeared on your statement. You must notify us in writing
  3. All decisions by OneAZ regarding point disputes are final.

When we receive your letter, we must do two things:

  1. Within 30 days of receiving your letter, we must tell you we received your letter. We will also tell you if we have already corrected the error.
  2. Within 90 days of receiving your letter, we must correct the error or explain to you why we believe the statement is correct.