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 June 20, 2019 and subject to change without notice. Click here for membership eligibility. 

1 New Auto: 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. Used Auto: For any vehicles that have been previously titled. Auto loan APR may range from 3.74% to 18.00% based on credit qualifications, term of loan, and payment options. Loans through dealers do not qualify for promotional rate. 

2 APY = Annual Percentage Yield. Rate shall renew at end of share certificate term at OneAZ current market rates. See the Account Agreement  disclosure for additional terms and conditions. Penalty for early withdrawal may apply. New Money Only - Deposited funds must be from outside of OneAZ. Minimum to open is $2000, maximum amount of a share certificate is $500,000. Offer is not valid on IRA share certificates.

3 Receive a 0.25% discount off your loan closing costs based on loan amount for purchase transactions only. Other terms and conditions apply for non-owner occupied properties. Offer does not apply to Jumbo 30-year fixed, FHA, VA or USDA mortgages. Applications must be submitted by September 2, 2019 to qualify.

4 Variable Rate Product. APR=Annual Percentage Rate. Rates and terms are based on your credit worthiness. The initial rate may range from 5.25% to 7.50% based on loan amount, CLTV and applicant's credit. The Fully Indexed corresponding APR may range from 5.25% to 7.50%. 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. $75.00 inactivity fee is waived if there is a balance and/or transaction within a consecutive twelve month period. Index Rate is based on the prime rate from 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 .25%. APR: Lifetime floor is 4.50%, Lifetime cap is 18.00%. Draw Period - 10 years and the Repayment Period is 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). Payment will be based on a 300 monthly payment schedule at the time of a credit advance.