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Have we mentioned our competitive rates?

Auto loan rates as low as 3.59%1

60-Month Term
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HELOC rates as low as 5.25%2

(Variable APR may range from 5.25% to 7.50% 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 12.24% 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 as of March 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 3.59% to 18.00% based on credit qualifications, term of loan, and payment options. Loans through dealers do not qualify for promotional rate. 

Home Equity Line of Credit (HELOC): Variable Rate Product (Wall Street Journal Prime rate plus applicable margin) with a floor rate of 4.50% and a rate cap of 18.00%. $10,000 Initial Minimum Draw is required. Subject property must be a primary residence located in the state of Arizona; subject property must be a residential dwelling that is acceptable collateral to OneAZ; If the first lien is with another lender must be a fixed rate first mortgage loan; if first lien is with OneAZ, may be fixed rate or Adjustable Rate Mortgage; first lien cannot be an interest only, negative amortization or balloon mortgage; first lien cannot be another HELOC. Waived closing costs (appraisal costs from $450-$650 may apply in certain instances). OneAZ may pay third party fees on your behalf, in which case, these will be subject to a recapture fee up to $500 if loan is paid off and closed within 36 months. No $75.00 annual inactivity fee with balance and activity.

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.

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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 March 1, 2019. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.