Take Control of your Financial Life.
We get it. Managing your finances can sometimes be hard. We're here to help. Read these articles to learn about loans, checking types, credit and all you need for financial well-being.
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Frequently Asked Questions About HELOCs
May 04, 2021
How Does a HELOC Work? | Part 4 - A home equity line of credit is a great way to utilize the equity in your home. Here are some FAQs about HELOCs.
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What Do People Use a HELOC For?
April 30, 2021
How Does a HELOC Work? | Part 3 - Before applying for a home equity line of credit, make sure to have a plan for why you may need to use one.
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Steps to Getting a HELOC
April 29, 2021
How Does a HELOC Work? | Part 2 - Before applying for a HELOC, make a checklist of these to-dos to streamline the process and help you save money.
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What is a Home Equity Line of Credit (HELOC)?
April 28, 2021
How Does a HELOC Work? | Part 1 - A home equity line of credit, or HELOC, is a revolving line of credit that is guaranteed by the equity in your home.
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Emergency Fund Readiness & Stimulus
April 13, 2021
Economic Stimulus Payments have served as a lifeline for many. A total of 159 million payments were disbursed in the first round, totaling more than $267 billion.
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Diversity, Equity & Inclusion
March 25, 2021
At OneAZ, our organization has worked tirelessly to celebrate differences and create systems where everyone can participate equally in our shared community. Our promise is to champion diversity, build an inclusive culture, and do our part to create a more equitable Arizona. Our members and the communities that we serve deserve better, and we will continue to put in the work to make them proud.
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COVID-19 Government Stimulus Payment #3: Everything You Need to Know
March 12, 2021
As part of the American Rescue Plan Act of 2021, the federal government is providing a third stimulus payment to eligible recipients. In anticipation of questions, here’s important information about the stimulus payment.
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How Does a Credit Score Really Work?
March 12, 2021
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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Member Stories: Mountain Mojo Group
February 18, 2021
In a society saturated with marketing, only the most unique content stands out. That’s why Mountain Mojo Group is passionate about being different. The Flagstaff-based agency, founded in 2015, is a collection of creative minds who believe in supporting local businesses and elevating their marketing.
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How to Create a Budget in 7 Simple Steps
February 09, 2021
The absolute best way to stop living paycheck to paycheck is to create a plan for the money coming into and out of your life.
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Avoid These Common Scams
February 04, 2021
Scammers are always on the prowl for easy targets, and the internet and social media make it easier than ever for them to find victims. Understanding how fraudsters work is the first step to being prepared and keeping your personal information secure.
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OneAZ Unveils Public Art in Downtown Phoenix
February 01, 2021
OneAZ wanted to do our part in beautifying downtown Phoenix, which is why we engaged with local artist Laura-Spalding Best to commission two murals at our Monroe Street branch.
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COVID-19 Government Stimulus Payments: Everything You Need to Know
December 30, 2020
The government has approved a second round of stimulus payments in response to the COVID-19 pandemic.
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Member Stories: Purple Gurl’s Popcorn & More
November 19, 2020
Kimberly and Corey started making shelf-stable confectionary popcorn in their home kitchen under Arizona’s Cottage Food Program, which allows Arizonans to make and sell food products safely from home.
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Community Impact Grant Spotlight: Flagstaff Family Food Center
November 18, 2020
30 years ago, George McCullough saw a need for hunger relief services in the Flagstaff area. He began giving out his business cards to those in need and offering to pay for their meal at the Grand Canyon Café. Soon, his work evolved into the Flagstaff Family Food Center. The center’s soup kitchen opened its doors on Christmas day in 1991 and has been serving the hungry ever since.
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Navigating Small Business Lending During Uncertain Times
October 22, 2020
Navigating as a small business owner can be daunting, especially during a pandemic. We sat down with Ian Cribbs, VP Business Banking & Services for OneAZ Credit Union, to discuss how businesses can chart a smart course through uncertain times.
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Do I Need to Work with a Real Estate Agent or Realtor?
October 16, 2020
When it comes to finding a new home, the process can be overwhelming even for the most seasoned homebuyers. It’s important to partner with homebuying professionals who know your needs, care about your goals and can help you find your dream home—without the headache of figuring it out on your own.
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Credit Cards vs. Debit Cards – What is the Difference and How Do They Work?
September 22, 2020
When you use a debit card, money is withdrawn from your checking account in real time. With a credit card, you are borrowing money from the bank, with an agreement that you will pay a portion of it back each month.
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Member Stories: Mike Spangenberg of State Forty Eight
September 17, 2020
Mike Spangenberg is a born-and-raised Arizonan. Growing up, he watched friends come and go, bringing loyalty to other states, sports teams and communities with them. “It drove me crazy that there was a lack of pride for our beautiful state,” says Spangenberg. “There were no apparel options available during my childhood to represent Arizona in a positive and fashionable way.”
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How Does an Auto Refinance Work and Is It a Good Plan for Me?
September 03, 2020
Refinancing your auto loan is a very simple, straightforward process. You essentially apply for a new auto loan, which pays off your current loan. This results in a new interest rate, a new loan agreement, and a new loan term (the length of your loan in months).
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Member Stories: Chris “Peach” Petrie of Money Peach
September 03, 2020
Living paycheck to paycheck, Chris “Peach” Petrie and his wife Andrea found themselves deep in debt and feeling overwhelmed in 2011. They knew they never wanted to feel that way again, and they immediately made a plan. By cutting extraneous expenses, building a budget and even working side jobs to pay the bills, they paid off $52,000 in just seven months.
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What are My Mortgage Options?
September 03, 2020
No mortgage is one-size-fits-all—there are many home loan options to choose from. If you’re ready to dive into the homebuying process, start by familiarizing yourself with the basics of home loans so you can choose the right mortgage for your goals!
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Why Should I Get Prequalified for a Home Loan?
September 03, 2020
When you’re searching for a new home, it’s important to go in knowing how much house you can afford and what your mortgage payment may be. A prequalification from a lender like OneAZ means you can house hunt with confidence. Learn what prequalification means and why it’s the best first step in purchasing a home.
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Member Stories: Lady La of Mahalo Made
September 01, 2020
Mahalo means grateful—that’s the motto for Phoenix-based shave ice truck Mahalo Made. In 2017, Lady La had a vision of spreading gratitude throughout the Valley of the Sun with uniquely handcrafted shave ice. “Mahalo is an expression of gratitude,” says La. “I have strong family ties to Hawaii and wanted to honor how grateful I was to serve the community with the name Mahalo Made.”
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Avoid These Common COVID-19 Scams
July 23, 2020
As COVID-19 continues to grip the nation and the world, scammers are attempting to take advantage of the situation by exploiting the fear and panic many are feeling. OneAZ is committed to protecting our members from falling victim to these scams. Understanding how fraudsters work will help you better prepare and keep your personal information protected.
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Are We Facing a Second Wave of COVID-19? Here’s How to Prepare.
June 25, 2020
For months, Arizonans have practiced social distancing and drastically changed their way of life to do their part in reducing the spread of COVID-19. Now our state is experiencing a surge in new cases, which begs the question—are we facing a second wave? Here are four ways you can be prepared.
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Four Financial Goals to Keep You Moving Forward
June 23, 2020
Did you start 2020 off with ambitious financial goals, only to see them fall flat in the wake of COVID-19? You’re not alone. Many Arizonans are reevaluating their finances right now because income, spending and investing has changed so drastically in the last three months. Here are four new goals that you can set for the remainder of 2020 to get back on track.
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Understanding Your Credit Score
June 23, 2020
Your credit score is used by financial institutions and lenders to determine how much money you may borrow for a loan or credit card. A higher credit score may mean lower interest rates and better credit limits, while a low score could mean you get denied for credit. What does your score mean, and how do lenders—and even landlords and employers—use it to determine their decision? Here’s how.
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Job Hunting? Here’s Everything You Need to Know
June 11, 2020
If you lost your job during the COVID-19 pandemic or you’re simply ready for a new opportunity, you likely think you’re facing a big uphill climb. From updating your resume and finding job openings to interviewing and weighing offers, job hunting may seem like a daunting task. We’ve broken it down into a few simple steps to make the process a lot less intimidating.
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How to Prepare for a Possible Recession
June 04, 2020
Arizona’s economy took a hit during the COVID-19 pandemic. Restaurants, retailers and more shut their doors or dramatically altered operations. Workers were let go or furloughed, bringing Arizona’s unemployment rate up to 12.9% in April (compared to just 4.4% in February). With such massive changes, a recession may be coming our way. Here’s how to prepare.
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How to Teach Your Children About Finances
June 04, 2020
With schools closed through the end of the school year, many parents are homeschooling through the COVID-19 pandemic. And with finances on everyone’s mind, what better opportunity than now to teach your children how to make a budget? Try these fun tips to help your little ones learn the importance of budgeting, saving and spending wisely.
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How to Spread Kindness in Uncertain Times
May 21, 2020
There is no doubt that the COVID-19 pandemic has presented challenges that affect all Arizonans. Even as stay-at-home orders end, many people continue to practice social distancing. Though we’re socially distant, it’s still the perfect time to spread kindness. After all, what better way to lift your own spirit than lifting the spirits of others? Here are a few ways to practice random acts of kindness right now.
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How to Set Up an Emergency Savings
May 19, 2020
A major lesson the COVID-19 pandemic has taught us is that financial emergencies can come up without any warning. Many Arizonans have experienced hardship as a result of income reduction, furlough or even job loss in recent months. As our state gets back to business, it’s the perfect time to learn from this experience and prepare for future emergencies. Here’s everything you need to know about building an emergency savings.
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How to Support the Community During the COVID-19 Pandemic
May 14, 2020
As Arizona slowly works to get back to business, many community members are still struggling to get by. A small gesture can go a long way in supporting someone in need and brightening their spirits. Try some of these ideas to support the community with little deeds that can make a big impact.
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What to Do if You Can’t Pay Your Bills
May 14, 2020
Many Arizonans have faced reduced income due to COVID-19 business closures in recent months. As bills come up, you may find that your account is lacking the funds to cover all your expenses. If you’re struggling to pay bills, here are a few tips that might help.
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5 Ways You Can Help Local Nonprofits
May 07, 2020
Nonprofits keep Arizona moving forward. From food banks that provide much-needed fresh food for low-income families to healthcare organizations that support frontline workers and first responders, these organizations are vital resources during the COVID-19 pandemic. Here are five ways you can help them continue serving the community in this time of need.
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How to Stay Productive and Positive at Home
April 30, 2020
Temperatures are warming up, but this season we’re not getting out to baseball games, dining on restaurant patios or going on group hikes with friends. Instead, Arizonans are practicing social distancing by staying home right now. It can be a difficult time for many as we get used to the new normal, which is why it’s important to remain not only productive, but positive, too. Here are a few tips to keep the peace in your home and your mind.
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Is it the Right Time to Refinance Your Auto Loan?
April 28, 2020
Looking to reduce bills and save money during the COVID-19 pandemic? Refinancing your auto loan may be the right step for you.
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What to Do When Your Emergency Stockpile Runs Low
April 23, 2020
Arizona is in the fourth week of sheltering in place. If you haven’t hit the stores since the days and weeks before shelter-in-place orders went into effect, you might find that your stockpile is starting to dwindle. With no official end in sight and stores still struggling to keep shelves stocked, here are a few pointers to ensure you get the goods you need.
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5 Money-Saving At-Home Entertainment Ideas
April 20, 2020
It’s been weeks since schools and many workplaces temporarily closed their doors. Let’s face it—some of us are stuck at home and just plain bored. Whether you’re home alone or holed up with your entire family, there are countless ways you can be entertained without breaking your budget! Here are a few fun ideas to try.
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Four Ways to Support Local Businesses During Shelter-in-Place
April 15, 2020
Right now, locally owned businesses are facing unique challenges unlike any they’ve encountered before. From mandatory closures to modified hours and services, many are finding that they need to quickly adapt to stay afloat.
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Three Scams to Look Out for During the COVID-19 Pandemic
April 10, 2020
As we navigate new waters, from business closures to stimulus checks, scammers nationwide are attempting take advantage of the panic and exploiting consumers.
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COVID-19 Stimulus Checks: Everything You Need to Know
April 01, 2020
On Friday, March 27, Congress authorized a bill providing economic relief to millions of Americans in light of the COVID-19 crisis. So, what does this bill entail, how much will you get, and when will your check come? Here’s everything you need to know about the 2020 economic stimulus.
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Fraud Alert: A Common Scam to Look Out For
April 01, 2020
As our nation continues to face the COVID-19 crisis, some scammers are taking advantage of Arizonans during this challenging time. Please practice extra vigilance against potential scams and fraud attempts.
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Stay on Top of Your Finances During COVID-19
March 25, 2020
The ongoing spread of coronavirus, or COVID-19, has taken a toll not only on health, but on finances, too.
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3 Key Takeaways from the Arizona Good Business Summit
March 09, 2020
The 2020 Arizona Good Business Summit has come and gone, but we can’t stop thinking about all the excellent speakers who shared their insights! OneAZ executives and partners were proud to be among over 60 business experts who spoke on everything from scaling up for business growth to employment trends.
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Three Ways to Give Your Feedback
January 17, 2020
As a member of OneAZ Credit Union, you have a share of ownership in the organization. Our member-owners are vital to the success of our organization, so while we look to grow our membership, we also set our sights on enhancing your experience. Here are three ways to provide feedback and let us know how we’re doing.
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How to Open a Checking Account
September 25, 2019
You’ve done all the research and selected the right account to meet your needs. Now it’s time to open your new checking account and get on the path to reaching your financial goals. Here’s everything you need to know to get started.
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Home Remodel on Any Budget
July 08, 2019
When it comes to updating your home, the expenses can feel daunting. Whether you’re starting small with a kitchen refresh or overhauling your entire house, check out these tips for making your home look great on any budget.
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Low Rates, Rewards or Cash Back - What's Best for your Credit Card?
July 01, 2019
There are plenty of enticing offers for credit cards out there, but no card is one-size-fits-all. With all these choices, it may feel overwhelming to decide which card is best for you. If you’re looking for the right card to match your spending habits and take your credit card purchases to the next level, here’s all you need to know.
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Snag the Best Price for your New Car
June 17, 2019
There’s nothing like that new car smell, but the car-buying process can be daunting when you consider the steps it takes to drive off the lot. Discover everything you need to know to get the best price for your next big purchase, and you’ll be doing a victory lap around the dealership in no time!
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How to Talk About Money with your Kids
April 09, 2019
Talking to your kids about healthy money management now will set them up for a lifetime of financial success. Not sure where to start? Try our handy guide to teaching your little ones about smart money habits!
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5 Ways to Keep your Money Local
April 04, 2019
In the age of two-day shipping and convenient megastores, it’s easy to think that opting for a national brand is the best use of your money. However, supporting Arizona businesses and organizations means your money stays local, through taxes, investments and more. That means that your hard-earned money, once spent, continues to work for you and improve the economy. Here are five easy ways to keep more of your money in Arizona.
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Three Things to Look for in a Balance Transfer Credit Card
February 28, 2019
When you have high-interest credit card debt, making monthly payments can feel a lot like chipping away at a mountain with a hammer and chisel. Transferring your balance to a card with a lower rate means more of your money will go to the principal, so you can pay off your debt faster. Here are a few things to look for when considering a balance transfer credit card.
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OneAZ Connects with Southern Arizona at the Tucson Rodeo
February 15, 2019
On February 21, associates from Tucson and beyond will proudly ride in a OneAZ wagon for the Tucson Rodeo Parade. And while it may be our first time representing OneAZ in the parade, this isn’t exactly our first rodeo.
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OneAZ Supports Furloughed Government Workers During Shutdown
January 18, 2019
As the government shutdown enters its fifth week, government workers from nine executive agencies continue to be out of work. That means hundreds of thousands of federal employees are facing bill payments and struggling to make ends meet until the shutdown ends.
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Protect Your Finances This Holiday Season
November 26, 2018
‘Tis the season for gathering with loved ones, giving gifts and…identity theft? No, we didn’t think you’d like that one either. The holidays are a peak shopping time, which means scammers can be on the prowl for easy targets. Keep your personal information—and your money—safe this season by following a few simple tips.
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Oro Valley Community Celebrates New OneAZ Branch Opening
November 16, 2018
The Oro Valley community came together to celebrate the grand opening of the new OneAZ Credit Union branch, on the corner of First Avenue and Oracle, last week. The grand opening event honored local veterans, non-profits and volunteers who enhance and support the community.
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OneAZ Supports Public Art in Oro Valley
November 09, 2018
The town of Oro Valley puts a strong emphasis on the advancement of the arts. As part of that commitment, the town developed the 1% Public Art Program, which requires new businesses to set aside 1% of their total budget to put toward an art installation.
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Top five places to live around Tucson
November 05, 2018
Tucson and its suburbs feature beautiful scenery, diverse architecture and all the amenities of a big city. Find the perfect place to call home, sweet home with this area guide.
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The Top Tech Features for Your New Car
November 01, 2018
If you’re in the market for a new car, you’ve probably put a lot of thought into the perfect vehicle. But these days, it’s as much about the technology features that improve your driving experience as it is about fuel economy and safety. Here are five features that will take your morning commute or weekend road trip to the next level.
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OneAZ Helps Women Succeed in Business
October 18, 2018
With 70% of the OneAZ workforce made up of women, we understand the importance of supporting women so they can succeed in business.
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OCJ Kids and OneAZ Help Foster Kids Succeed
October 17, 2018
Back-to-school time probably brings up feelings of nostalgia—shopping for supplies, picking out clothes and buying a new backpack. Imagine starting a new school year without those luxuries, instead relying on hand-me-down clothes, reused supplies and a backpack that’s falling apart from years of use.
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Financial Planning & Investing: Should you DIY or Trust a Pro?
September 18, 2018
Let’s be honest. Figuring out your finances can be a daunting task. From financial planning to investing, there’s a lot to take into consideration. So, should you be doing it all yourself, or is trusting a professional your best bet?
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How to Save Money in College
April 19, 2018
If you’re struggling to make ends meet in college, you’re not alone. Between tuition, textbooks, housing and living expenses, higher education is a pricey undertaking. But you can avoid being a starving student by taking a few conscious steps to save money while having an excellent college experience.
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Building a Budget from Scratch
March 27, 2018
Let’s face it—creating a budget is nobody’s idea of fun. But if you want to be financially secure, step one is making sure you don’t spend more than you make.
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Purchase the Home of Your Dreams with 5 Easy Tips
January 30, 2018
So you’re ready to purchase your first home—where do you start? Navigating the homebuying process is complex, even for the most seasoned homebuyers. Charting a smart course during this journey is key to avoiding major pitfalls along the way. Getting into the home of your dreams begins by following a few simple tips!
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Why Should I Choose a Credit Union?
January 18, 2018
Let’s face it: big banks are everywhere, so it’s easy to think that they’re the best option for you. Why not put your money—and your trust—in an organization that offers personalized service, competitive rates and a community focus?
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Six Simple Tips to Help You Create a Budget
February 14, 2017
Did you start January with a fresh set of resolutions and the resolve to keep them this year? Perhaps one of those goals was to take steps to get financially fit and finally create that budget you've put off for years. Here are six simple tips to help you put a big check mark next to that budget goal.
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Five Financial Tips to Start the New Year off Right!
January 02, 2017
The new year is here! Follow these five financial tips to ensure you're starting it off right!
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