Upcoming Holiday HoursMonday, May 27th – OneAZ Credit Union will be closed in observance of Memorial Day.

Fraud Alert: Please be advised! Do not give remote access to your computer. Do not provide your online banking credentials to others.

Mortgages

Mortgages

  • 15 Year Fixed Rate
  • Rate: 5.875%
  • Points1: 1.750%
  • APR2: 6.241%
  • Estimated Payment3: $2,930.00
  • 30 Year Fixed Rate
  • Rate: 6.625%
  • Points1: 1.625%
  • APR2: 6.842%
  • Estimated Payment3: $2,242.00
  • 30 Year Jumbo Fixed Rate
  • Rate: 6.750%
  • Points1: 1.625%
  • APR2: 6.940%
  • Estimated Payment3: $5,189.00
  • 7 Year ARM Loan4
  • Rate: 6.375%
  • Points1: 0.875%
  • APR2: 7.455%
  • Estimated Payment3: $2,184.00
  • 7 Year Jumbo ARM Loan4
  • Rate: 6.375%
  • Points1: 1.125%
  • APR2: 7.452%
  • Estimated Payment3: $4,991.00
  • 10 Year ARM Loan4
  • Rate: 6.500%
  • Points1: 0.875%
  • APR2: 7.255%
  • Estimated Payment3: $2,213.00
  • 10 Year Jumbo ARM Loan4
  • Rate: 6.500%
  • Points1: 1.125%
  • APR2: 7.228%
  • Estimated Payment3: $5,057.00

Rates Effective: 05/22/2024

Enjoy a 0.25% Rate Discount5 on your home loan interest rate just for banking with us. Conditions apply.

Other Residential First Mortgage Loan Programs (not listed above) are also available, i.e., Affordable Housing Programs (AHP), Down Payment Assistance (DPA) Programs, 100% LTV Financing Programs, Construction Perm Loans, etc. Contact a OneAZ Mortgage Loan Originator to obtain additional information about these other options.

Apply Now!

1Mortgage points, also known as discount points, are a form of prepaid interest. One point equals one percent of the loan amount. Increased points typically lower the interest rate; however, this cost also effectively increases the yield on the loan above the amount of the stated interest rate. Borrowers can offer to pay additional points to reduce the interest rate on the loan, thus obtaining a lower monthly payment in exchange for this up-front payment. Conversely, borrowers can also request to pay reduced points which will result in an increase in both the stated interest rate and the monthly payment.

2APR = Annual Percentage Rate. The Annual Percentage Rate (APR), is the actual annualized cost of credit charged to a borrower, expressed as a percentage, over the term of the loan. The APR is based on the interest rate, points and other various finance charges you may be required to pay.

3Monthly Payments shown do not include amounts for taxes and insurance. Actual payment obligation will be greater. For Adjustable Rate Mortgage (ARM) loans, interest rate is fixed for the initial term indicated. After the initial fixed rate period, the interest rate, and monthly payments, may adjust semiannually. Rates and terms are based on credit worthiness and the Estimated Payment is based on the following assumptions:

  • Loan amounts are $350,000.

  • Jumbo loan amounts are $800,000

  • Single Family Residence.

  • Purchase loan unless indicated otherwise.

  • 80% Loan-to-Value (LTV) / 20% Equity/Down Payment.

  • Mortgage rate lock period of 30 days.

  • Excellent Credit / Minimum 760 FICO Score.

Information contained herein assumes a 20% Down Payment and an 80% Loan-to-Value (LTV). Mortgage Insurance (MI) is required on loans that are above 80% LTV. As the LTV increases, the cost of the MI will also likewise increase.

These assumptions are subject to change without notice. Interest Rate, Discount Points and APR may be adjusted based on several factors including, but not limited to, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

4ARMs are based on Secured Overnight Financing Rate (SOFR) Index. 5 Year SOFR ARM Loans are also available.

5 Conditions apply. Rates and terms subject to change at any time. Interest Rate Discount is available on purchase and refinance loans. To qualify for the 0.25% Interest Rate Discount, you will need to agree to the following: Establish OneAZ Membership, open a OneAZ Checking Account, set up monthly payroll Direct Deposit of $1,000 or more to the OneAZ Checking Account and set up monthly Auto Pay for the new loan. The offer does not apply to FHA, VA or USDA mortgages.

Home Equity

Home Equity Loan - Combined Loan to Value (CLTV) up to 80%

  • Loan Amount: $10,000 - $200,000
  • APR: 8.384% - 10.121%
  • Term: 60 months
  • Loan Amount: $10,000 - $200,000
  • APR: 8.573% - 9.898%
  • Term: 120 months
  • Loan Amount: $10,000 - $200,000
  • APR: 8.803% - 9.825%
  • Term: 180 months

APR = Annual Percentage Rate.

Rates as of May 1, 2024.


Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV) ), and loan term. The Fixed Rate Home Equity Loans Promotion is 1.25% Rate Discount off of Posted Rates. The 1.25% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term.


Conditions apply. Rates and terms subject to change at any time. In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking account, establish a $500 Biweekly or $1,000 monthly direct, and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ checking account.


Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

Home Equity Loan - Combined Loan to Value (CLTV) up to 85%

  • Loan Amount: $10,000 - $150,000
  • APR: 8.891% - 10.121%
  • Term: 60 months
  • Loan Amount: $10,000 - $150,000
  • APR: 9.077% - 9.898%
  • Term: 120 months
  • Loan Amount: $10,000 - $150,000
  • APR: 9.307% - 9.825%
  • Term: 180 months

APR = Annual Percentage Rate.

Rates as of May 1, 2024.

Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV) ), and loan term. The Fixed Rate Home Equity Loans Promotion is 1.25% Rate Discount off of Posted Rates. The 1.25% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term.


Conditions apply. Rates and terms subject to change at any time. In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking account, establish a $500 Biweekly or $1,000 monthly direct, and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ checking account.


Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

Home Equity Loan - Combined Loan to Value (CLTV) up to 90%

  • Loan Amount: $10,000 - $100,000
  • APR: 9.155% - 10.121%
  • Term: 60 months
  • Loan Amount: $10,000 - $100,000
  • APR: 9.335% - 9.898%
  • Term: 120 months
  • Loan Amount: $10,000 - $100,000
  • APR: 9.563% - 9.825%
  • Term: 180 months

APR = Annual Percentage Rate.

Rates as of May 1, 2024.

Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV) ), and loan term. The Fixed Rate Home Equity Loans Promotion is 1.25% Rate Discount off of Posted Rates. The 1.25% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term.


Conditions apply. Rates and terms subject to change at any time. In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking account, establish a $500 Biweekly or $1,000 monthly direct, and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ checking account.


Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

Home Equity Line of Credit - Combined Loan to Value (CLTV) up to 80%

  • Loan Amount: $10,000 - $200,000
  • Margin: -0.250% - 2.000%
  • APR: 8.250% - 10.500%

APR = Annual Percentage Rate.

Rates as of May 1, 2024.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 8.25% to 11.25%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or 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 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

 

Click here for membership eligibility.

Home Equity Line of Credit - Combined Loan to Value (CLTV) up to 85%

  • Loan Amount: $10,000 - $150,000
  • Margin: 0.250% - 2.500%
  • APR: 8.750% - 11.000%

APR = Annual Percentage Rate.

Rates as of May 1, 2024.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 8.25% to 11.25%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or 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 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

 

Click here for membership eligibility.

Home Equity Line of Credit - Combined Loan to Value (CLTV) up to 90%

  • Loan Amount: $10,000 - $100,000
  • Margin: 0.500% - 2.750%
  • APR: 9.000% - 11.250%

APR = Annual Percentage Rate.

Rates as of May 1, 2024.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 8.25% to 11.25%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or 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 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

 

Click here for membership eligibility.

Auto Loans

New Vehicles

  • New Auto*
  • APR: 5.89% - 18.00%
  • Term: 48 months
  • New Auto*
  • APR: 6.09% - 18.00%
  • Term: 60 months
  • New Auto* ($15,000 Minimum)
  • APR: 6.39% - 18.00%
  • Term: 72 months
  • New Auto* ($20,000 Minimum)
  • APR: 6.89% - 18.00%
  • Term: 84 months

Rates as of May 15, 2024.

APR = Annual Percentage Rate.

Rates include a 0.25% discount for having a Benefits Checking account. Loan amount and additional terms and conditions apply

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser.

Auto loans of $75,000 to $99,999.99, are subject to a rate increase of .50%; Auto loans $100,000.00-$150,000 are restricted to 100% loan to value (LTV) and subject to a rate increase of 1.00%.

Apply Online

New Members Existing Members

Used Vehicles

  • Used Auto
  • APR: 6.09% - 18.00%
  • Term: 48 months
  • Used Auto
  • APR: 6.29% - 18.00%
  • Term: 60 months
  • Used Auto ($15,000 Minimum)
  • APR: 6.59% - 18.00%
  • Term: 72 months
  • Used Auto ($20,000 Minimum)
  • APR: 7.09% - 18.00%
  • Term: 84 months

Rates as of May 15, 2024.

APR = Annual Percentage Rate. 

Rates include a 0.25% discount for having a Benefits Checking account. Loan amount and additional terms and conditions apply.

Auto loans of $75,000 to $99,999.99, are subject to a rate increase of .50%; Auto loans $100,000.00-$150,000 are restricted to 100% loan to value (LTV) and subject to a rate increase of 1.00%.

Apply Online

New Members Existing Members

Recreational Vehicles

RVs and Boats (16 feet and over)

  • New RV & Boat*
  • APR: 8.39% - 18.00%
  • Term: 60 months
  • New RV & Boat* ($10,000 Minimum)
  • APR: 8.89% - 18.00%
  • Term: 120 months
  • New RV & Boat* ($25,000 Minimum)
  • APR: 9.39% - 18.00%
  • Term: 180 months
  • New RV & Boat* ($75,000 Minimum)
  • APR: 10.39% - 18.00%
  • Term: 240 months
  • Used RV & Boat
  • APR: 9.14% - 18.00%
  • Term: 60 months
  • Used RV & Boat ($10,000 Minimum)
  • APR: 9.64% - 18.00%
  • Term: 120 months
  • Used RV & Boat ($25,000 Minimum)
  • APR: 10.14% - 18.00%
  • Term: 180 months
  • Used RV & Boat ($75,000 Minimum)
  • APR: 11.14% - 18.00%
  • Term: 240 months

Rates as of May 15, 2024.

APR = Annual Percentage Rate.

Rates include a 0.25% discount for having a Benefits Checking account. Loan amount and additional terms and conditions apply

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser.

Special Collateral (Motorcycles, Dirt Bikes, ATVs, and Personal Watercraft under 16 feet)

  • New Power Sports*
  • APR: 7.39% - 18.00%
  • Term: 60 months
  • New Power Sports* ($12,000 Minimum)
  • APR: 7.89% - 18.00%
  • Term: 72 months
  • New Power Sports* ($20,000 Minimum)
  • APR: 8.39% - 18.00%
  • Term: 84 months
  • Used Power Sports
  • APR: 7.89% - 18.00%
  • Term: 60 months

Rates as of May 15, 2024.

APR = Annual Percentage Rate.

Rates include a 0.25% discount for having a Benefits Checking account. Loan amount and additional terms and conditions apply

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser.

Personal Loans

Signature Loan

  • Signature
  • APR Range: 15.49% - 18.00%
  • Repayment: varies

Rates as of May 1, 2024.

APR = Annual Percentage Rate. Subject to credit and program guidelines.

Line of Credit

  • Line of Credit
  • APR Range: 17.49% - 18.00%
  • Repayment: varies

Rates as of May 1, 2024.

APR = Annual Percentage Rate. Subject to credit and program guidelines.

Share Certificate Secured

  • Share Secured
  • APR Range: 3.00% over Annual Percentage Yield
  • Repayment: varies
  • Share Certificate Secured*
  • APR Range: 3.00% over Annual Percentage Yield
  • Repayment: varies

Rates as of May 1, 2024.

APR = Annual Percentage Rate.

* You will be automatically approved if you would like to pledge your Share Certificate or Share Account as collateral. The interest rate depends on your current Share Certificate rate + 3%.

Personal Banking

Star High Yield Money Market

  • $0 - 74,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $75,000+
  • Dividend Rate: 1.00%
  • APY: 1.00%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

Fees could reduce earnings. We may offer other rates in the future.

SaversAdvantage Yield Money Market

  • $0.00 - $24,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $25,000.00+
  • Dividend Rate: 0.50%
  • APY: 0.50%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future.

Tiered Money Market Checking or Savings

Please see the Consumer Fee Schedule for details.

* Minimum balance to open account is $1,000. Minimum daily balance to earn the stated APY is $1,000. The APY will be calculated by applying one or more Dividend Rates to multiple balance ranges as set forth above. The Dividend Rate for each balance range will apply to your account balance within each particular deposit balance range and not to the entire account balance. Fees could reduce earnings. We may offer other rates in the future.

Share Certificate

  • 3 Month
  • Dividend Rate: 3.45%
  • APY: 3.50%
  • 6 Month
  • Dividend Rate: 3.45%
  • APY: 3.50%
  • 12 Month
  • Dividend Rate: 3.20%
  • APY: 3.25%
  • 18 Month
  • Dividend Rate: 2.96%
  • APY: 3.00%
  • 24 Month
  • Dividend Rate: 2.81%
  • APY: 2.85%
  • 30 Month
  • Dividend Rate: 2.72%
  • APY: 2.75%
  • 36 Month
  • Dividend Rate: 2.62%
  • APY: 2.65%
  • 48 Month
  • Dividend Rate: 2.47%
  • APY: 2.50%
  • 60 Month
  • Dividend Rate: 2.37%
  • APY: 2.50%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

Minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. We may offer other rates in the future.

IRA Share Certificate

  • 3 Month
  • Dividend Rate: 3.45%
  • APY: 3.50%
  • 6 Month
  • Dividend Rate: 3.45%
  • APY: 3.50%
  • 12 Month
  • Dividend Rate: 3.20%
  • APY: 3.25%
  • 18 Month
  • Dividend Rate: 2.96%
  • APY: 3.00%
  • 24 Month
  • Dividend Rate: 2.81%
  • APY: 2.85%
  • 30 Month
  • Dividend Rate: 2.72%
  • APY: 2.75%
  • 36 Month
  • Dividend Rate: 2.62%
  • APY: 2.65%
  • 48 Month
  • Dividend Rate: 2.47%
  • APY: 2.50%
  • 60 Month
  • Dividend Rate: 2.37%
  • APY: 2.50%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

There is a $500 minimum opening balance requirement for IRA Savings and a $50 minimum balance required to earn dividends. IRA Share Certificate minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. We may offer other rates in the future.

Tiered Propel Savings and YourSavings

  • Propel ($0.01 - $9,999.99)
  • Dividend Rate: 4.89%
  • APY: 5.00%
  • Propel ($10,000 - $24,999.99)
  • Dividend Rate: 3.45%
  • APY: 5.00% - 4.10%
  • Propel ($25,000 - $49,999.99)
  • Dividend Rate: 2.96%
  • APY: 4.10% - 3.55%
  • Propel ($50,000 - $99,999.99)
  • Dividend Rate: 2.47%
  • APY: 3.55% - 3.02%
  • Propel ($100,000 & Greater)
  • Dividend Rate: 1.98%
  • APY: 3.02% - 2.10%
  • Your Savings ($100.00 - $1,000.00)
  • Dividend Rate: 3.93%
  • APY: 4.00%
  • Your Savings ($1,000.01 & Greater)
  • Dividend Rate: 0.10%
  • APY: 4.00% - 0.10%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

Propel Savings: $100 minimum balance to open account ($500 maximum to open online) and no minimum balance to earn stated APY.

Your Savings: $50 minimum balance to open account ($500 maximum to open online) and no minimum balance to earn stated APY.

 

5 monthly fee waived if enrolled in eStatements. Fees could reduce earnings on the account. Propel & Club Savings are a variable tier rate savings accounts that pay the stated interest rate only on that portion of the account balance that falls within that specified tier to create a range rate.

Please see the Consumer Fee Schedule for details.

Savings

  • Share Savings ($50.00+)
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • IRA Savings ($50.00+)
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • Club Savings ($50.00+)
  • Dividend Rate: 1.98%
  • APY: 2.00%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

There is a $5.00 minimum opening balance requirement for Savings and Club Savings. For Savings and Club Savings there is a $50 minimum balance required to earn dividends. We may offer other rates in the future. Fees could reduce earnings.

Checking

  • Premium Checking $0.00 - $999.99*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Premium Checking $1,000 - $24,999.99**
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • Premium Checking $25,000 - $49,999.99**
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • Premium Checking $50,000+**
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • Benefits Checking $0.00 - $999.99*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Benefits Checking $1,000+
  • Dividend Rate: 0.10%
  • APY: 0.10%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

*There is a $1000 minimum balance required to earn dividends.

**All deposit funds earn the rate for the tier.

There is a $20 minimum opening balance requirement for all checking accounts. We may offer other rates in the future. Fees could reduce earnings.

Business Banking

Business Star High Yield Money Market Rates

  • $0 - 74,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $75,000+
  • Dividend Rate: 1.00%
  • APY: 1.00%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future.

Business Savers Advantage Money Market Rates

  • $0 - 24,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $25,000+
  • Dividend Rate: 0.50%
  • APY: 0.50%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1000. Fees could reduce earnings. We may offer other rates in the future.

Business Tiered Money Market Rates

Please see the Business Fee Schedule for details.

Minimum balance to open account is $1,000. Minimum daily balance to earn the stated APY is $1,000. The APY will be calculated by applying one or more Dividend Rates to multiple balance ranges as set forth above. The Dividend Rate for each balance range will apply to your account balance within each particular deposit balance range and not to the entire account balance. Fees could reduce earnings. We may offer other rates in the future.

Business Share Certificate Rates

  • 3 Month
  • Dividend Rate: 3.45%
  • APY: 3.50%
  • 6 Month
  • Dividend Rate: 3.45%
  • APY: 3.50%
  • 12 Month
  • Dividend Rate: 3.20%
  • APY: 3.25%
  • 18 Month
  • Dividend Rate: 2.96%
  • APY: 3.00%
  • 24 Month
  • Dividend Rate: 2.81%
  • APY: 2.85%
  • 30 Month
  • Dividend Rate: 2.72%
  • APY: 2.75%
  • 36 Month
  • Dividend Rate: 2.62%
  • APY: 2.65%
  • 48 Month
  • Dividend Rate: 2.47%
  • APY: 2.50%
  • 60 Month
  • Dividend Rate: 2.37%
  • APY: 2.50%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD

Minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. We may offer other rates in the future. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply.

Business Savings & Checking Rates

  • Club Savings ($0.00 - $49.99)
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Club Savings ($50.00+)
  • Dividend Rate: 1.98%
  • APY: 2.00%
  • Regular Share Savings ($0.00 - $49.99)
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Regular Share Savings ($50.00+)
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • Checking ($0.00 - $4,999.99)
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Checking ($5,000.00+)
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • Premium Checking ($0.00 - $2,499.99)
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Premium Checking ($2,500.00 - $9,999.99)
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • Premium Checking ($10,000.00 - $24,999.99)
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • Premium Checking ($25,000.00 - $49,999.99)
  • Dividend Rate: 0.22%
  • APY: 0.22%
  • Premium Checking ($50,000.00 - $99,999.99)
  • Dividend Rate: 0.25%
  • APY: 0.25%
  • Premium Checking ($100,000.00 - $249,999.99)
  • Dividend Rate: 0.27%
  • APY: 0.27%
  • Premium Checking ($250,000.00+)
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates as of May 1, 2024.

APY = ANNUAL PERCENTAGE YIELD

There is a $5.00 minimum opening balance requirement and a $50 minimum balance required to earn dividends. We may offer other rates in the future.

Managing your finances shouldn't be challenging!

Learn everything you need to know about building and reaching your financial goals.

Learn More

You are leaving oneazcu.com

Continue?
Yes No