Flexible Support for Life’s Unexpected Turns
Whether you’re dealing with job loss, medical bills, or just feeling overwhelmed, we offer programs to help ease the burden:
Personalized Coaching to Get You Back on Track
Our certified Financial Coaches are here to guide you through budgeting, debt management, and financial planning without judgment.
Reach Out – We're Ready to Listen
Our Collections Team is available to walk you through your options, no pressure.
Call us directly: 800.671.1517
Email: collections@oneazcu.com
Hours: Mon–Fri, 8AM–6PM MST
Tools to Support Your Journey
Explore trusted tools and resources designed to help you understand your options and take control of your financial wellness:
Financial Resources Guide
Access hundreds of articles ranging from debt management to rebuilding credit – all at your fingertips.
FAQ’s
You Have Questions. We Have Answers.
Yes! If you have an auto loan, you may be eligible for our Skip-A-Pay program. You can skip up to two payments over the life of the loan—just be sure you meet eligibility requirements.
Life happens, and we get that. You may qualify for support if you're experiencing:
- Job loss or job change
- Unexpected expenses
- Medical emergencies
- Death in the family
- Divorce or separation
- Overwhelming debt
A deferment gives you a temporary break from payments—typically for 1 to 3 months. During this time, interest will still accrue, and your loan term may be extended based on the length of the deferment.
A hardship program is a financial assistance option designed to support members experiencing significant, ongoing financial difficulties. Our hardship program can reduce your minimum monthly payment for 6 to 9 months. It’s a great option if you’re facing longer-term challenges.
If your checking or savings account is overdrawn, a Deposit Workout Loan can help get you back on track. We'll work with you to set up a payment plan—usually 6 to 12 months—to pay off the negative balance and keep your account in good standing.
No, a deferment won’t impact your credit score.
Typically, it takes 3–5 business days. We’ll need a signed agreement from all borrowers, and we may request documents like pay stubs or bank statements.
Let’s talk. Reach out to our Collections team at 800.671.1517 to review your options and see what support you qualify for.
