Mortgages

Home Equity

Home Equity Line of Credit

Home Equity Loan

Auto Loans

New Vehicles

  • New Auto
  • APR: 2.49% - 18.00%
  • Term: 48 months
  • New Auto
  • APR: 2.74% - 18.00%
  • Term: 60 months
  • New Auto ($20,000 Minimum)
  • APR: 2.99% - 18.00%
  • Term: 72 months
  • New Auto ($25,000 Minimum)
  • APR: 3.24% - 18.00%
  • Term: 84 months
  • New Auto ($75,000 Minimum)
  • APR: 4.24% - 18.00%
  • Term: 100 months

Rates Effective: 01/22/18

APR = Annual Percentage Rate.

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

- 100 Month Auto Financing: Auto, SUV, and Trucks at 1 Ton/Diesel, Purchases Only, 100% LTV plus product.

Rates include a .25% discount on auto loans with automatic payment deduction from an OneAZ Credit Union checking account; rates will be .25% higher on loans that do not meet this requirement. Payments are not adjusted with the discount. Subject to credit and program guidelines.

Used Vehicles

  • Used Auto
  • APR: 2.74% - 18.00%
  • Term: 48 months
  • Used Auto
  • APR: 2.99% - 18.00%
  • Term: 60 months
  • Used Auto ($20,000 Minimum)
  • APR: 3.24% - 18.00%
  • Term: 72 months
  • Used Auto ($25,000 Minimum)
  • APR: 3.49% - 18.00%
  • Term: 84 months

Rates Effective: 01/22/18

APR = Annual Percentage Rate.

Rates include a .25% discount on auto loans with automatic payment deduction from an OneAZ Credit Union checking account; rates will be .25% higher on loans that do not meet this requirement. Payments are not adjusted with the discount. Subject to credit and program guidelines.

Recreational Vehicles

RVs and Boats (16 feet and over)

  • New RV & Boat ($0-$9,999)
  • APR: 6.00% - 18.00%
  • Term: 66 months
  • New RV & Boat ($10,000 - $24,999)
  • APR: 5.00% - 18.00%
  • Term: 126 months
  • New RV & Boat ($25,000 - $74,999)
  • APR: 4.75% - 18.00%
  • Term: 186 months
  • New RV & Boat ($75,000 - $300,000)
  • APR: 4.50% - 18.00%
  • Term: 246 months
  • Used RV & Boat
  • APR: 6.50% - 18.00%
  • Term: 66 months
  • Used RV & Boat
  • APR: 5.50% - 18.00%
  • Term: 126 months
  • Used RV & Boat
  • APR: 5.25% - 18.00%
  • Term: 186 months
  • Used RV & Boat
  • APR: 5.00% - 18.00%
  • Term: 246 months

Rates Effective: 01/22/18

APR = Annual Percentage Rate.

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

Rates include a .25% discount on RV and boat loans with automatic payment deduction from an OneAZ Credit Union checking account; rates will be .25% higher on loans that do not meet this requirement. Payments are not adjusted with the discount. Subject to credit and program guidelines.

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

  • New Power Sports
  • APR: 4.50% - 18.00%
  • Term: 66 months
  • New Power Sports ($12,000 Minimum)
  • APR: 5.00% - 18.00%
  • Term: 78 months
  • New Power Sports ($20,000 Minimum)
  • APR: 6.50% - 18.00%
  • Term: 90 months
  • Used Power Sports
  • APR: 6.75% - 18.00%
  • Term: 66 months

Rates Effective: 01/22/18

APR = Annual Percentage Rate.

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

Rates include a .25% discount on motorcycle loans with automatic payment deduction from an OneAZ Credit Union checking account; rates will be .25% higher on loans that do not meet this requirement. Payments are not adjusted with the discount. Subject to credit and program guidelines.

Personal Loans

Signature Loan

  • Signature
  • APR Range: 12.75% - 18.00%
  • Repayment: varies

Rates Effective: 12/01/17

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

Line of Credit

  • Line of Credit
  • APR Range: 12.75% - 18.00%
  • Repayment: varies

Rates Effective: 12/01/17

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

Share Certificate Secured

  • Share Secured
  • APR Range: 3.00% over dividend rate
  • Repayment: varies
  • Share Certificate Secured*
  • APR Range: 3.00% over dividend rate
  • Repayment: varies

Rates Effective: 12/01/17

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: 0.05%
  • APY: 0.05%
  • $75,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 12/01/17

APY = ANNUAL PERCENTAGE YIELD.

Fees could reduce earnings. We may offer other rates in the future. See our Truth In Savings Disclosure for details.

SaversAdvantage Yield Money Market

  • $0 - 24,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $25,000+
  • Dividend Rate: 0.20%
  • APY: 0.20%

Rates Effective: 12/01/17

APY = ANNUAL PERCENTAGE YIELD.

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future. See our Truth In Savings Disclosure for details.

Tiered Money Market Checking or Savings

  • $0 - 999.99*
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $0 - 4,999.99*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $100,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 12/01/17

APY = ANNUAL PERCENTAGE YIELD.

*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. See our Truth In Savings Disclosure for details.

Share Certificate

  • 3 Month
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • 6 Month
  • Dividend Rate: 0.25%
  • APY: 0.25%
  • 12 Month
  • Dividend Rate: 0.35%
  • APY: 0.35%
  • 18 Month
  • Dividend Rate: 0.50%
  • APY: 0.50%
  • 24 Month
  • Dividend Rate: 0.60%
  • APY: 0.60%
  • 30 Month
  • Dividend Rate: 0.65%
  • APY: 0.65%
  • 36 Month
  • Dividend Rate: 0.75%
  • APY: 0.75%
  • 48 Month
  • Dividend Rate: 0.90%
  • APY: 0.90%
  • 60 Month
  • Dividend Rate: 1.34%
  • APY: 1.35%

Rates Effective: 12/01/17

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. See our Truth In Savings Disclosure for details.

IRA Share Certificate

  • 3 Month
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • 6 Month
  • Dividend Rate: 0.25%
  • APY: 0.25%
  • 12 Month
  • Dividend Rate: 0.35%
  • APY: 0.35%
  • 18 Month
  • Dividend Rate: 0.50%
  • APY: 0.50%
  • 24 Month
  • Dividend Rate: 0.60%
  • APY: 0.60%
  • 30 Month
  • Dividend Rate: 0.65%
  • APY: 0.65%
  • 36 Month
  • Dividend Rate: 0.75%
  • APY: 0.75%
  • 48 Month
  • Dividend Rate: 0.90%
  • APY: 0.90%
  • 60 Month
  • Dividend Rate: 1.34%
  • APY: 1.35%

Rates Effective: 12/01/17

APY = ANNUAL PERCENTAGE YIELD.

There is a $100 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. See our Truth In Savings Disclosure for details.

YourSavings

  • $0.00 - $1,000
  • Dividend Rate: 1.00%
  • APY: 1.00%
  • $1,000+
  • Dividend Rate: 0.05%
  • APY: 0.05%

Rates Effective: 12/01/17

APY = ANNUAL PERCENTAGE YIELD.

Minimum balance to open account is $5.00. Minimum daily balance to earn the stated APY is $100.00. Daily balances of less than $100.00 will not earn dividends. 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 the entire account balance. You must enroll in direct deposit or a regular monthly transfer and online statement or pay a $5.00 per month. There is a limit of one (1) Your Savings account per primary member. Fees could reduce earnings. We may offer other rates in the future. See our Truth In Savings Disclosure for details.

Savings

  • Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • IRA Savings
  • Dividend Rate: 0.30%
  • APY: 0.30%
  • Club Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%

Rates Effective: 12/01/17

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. See our Truth In Savings Disclosure for details.

Checking

  • Arizona Checking*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Student Checking**
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • Premium Checking*
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $1,000 - $24,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $25,000 - $49,999.99
  • Dividend Rate: 0.08%
  • APY: 0.08%
  • $50,000+
  • Dividend Rate: 0.10%
  • APY: 0.10%

Rates Effective: 12/01/17

APY = ANNUAL PERCENTAGE YIELD.

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

**Account is available for students currently enrolled in an accredited primary, secondary, post-secondary or technical school at account opening.

There is a $20 minimum opening balance requirement for all checking accounts. We may offer other rates in the future. See our Truth In Savings Disclosure for details.

Business Banking

Business Star High Yield Money Market Rates

  • $0 - 74,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $75,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 12/01/2017

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future. See our Truth In Savings Disclosure for details.

Business SaversAdvantage Money Market Rates

  • $0 - 24,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $25,000+
  • Dividend Rate: 0.20%
  • APY: 0.20%

Rates Effective: 12/01/2017

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1000. Fees could reduce earnings. We may offer other rates in the future. See our Truth In Savings Disclosure for details.

Business Tiered Money Market Rates

  • $0 - 999.99*
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $0 - 4,999.99*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $100,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 12/01/2017

APY = ANNUAL PERCENTAGE YIELD

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. See our Truth In Savings Disclosure for details.

Business Share Certificate Rates

  • 3 Month
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • 6 Month
  • Dividend Rate: 0.25%
  • APY: 0.25%
  • 12 Month
  • Dividend Rate: 0.35%
  • APY: 0.35%
  • 18 Month
  • Dividend Rate: 0.50%
  • APY: 0.50%
  • 24 Month
  • Dividend Rate: 0.60%
  • APY: 0.60%
  • 30 Month
  • Dividend Rate: 0.65%
  • APY: 0.65%
  • 36 Month
  • Dividend Rate: 0.75%
  • APY: 0.75%
  • 48 Month
  • Dividend Rate: 0.90%
  • APY: 0.90%
  • 60 Month
  • Dividend Rate: 1.34%
  • APY: 1.35%

Rates Effective: 12/01/2017

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. See our Truth In Savings Disclosure for details.

Business Savings Rates

  • Club Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%

Rates Effective: 12/01/2017

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. See our Business Account Disclosures and Agreement provided at account opening for details.

Business Basic Checking Rates

  • Basic Checking
  • Dividend Rate: 0.00%
  • APY: 0.00%

Rates Effective: 12/01/2017

APY = ANNUAL PERCENTAGE YIELD.

We may offer other rates in the future. See our Business Account Disclosures and Agreement provided at account opening for details. Click for schedule of fees.

Business Advantage Checking

  • < $2,499.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $2,500 - 4,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $100,000+
  • Dividend Rate: 0.03%
  • APY: 0.03%

Rates Effective: 12/01/2017

APY = ANNUAL PERCENTAGE YIELD.

We may offer other rates in the future. See our Business Account Disclosures and Agreement provided at account opening for details. Click for schedule of fees.

Business Analysis Checking

  • < $2,499.99
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $2,500.00 - $4,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $100,000+
  • Dividend Rate: 0.25%
  • APY: 0.25%

Rates Effective: 12/01/2017

APY = ANNUAL PERCENTAGE YIELD.

We may offer other rates in the future. See our Business Account Disclosures and Agreement provided at account opening for details. Click for schedule of fees.

Business Hi-Yield Checking

  • < $2,499.99
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $2,500.00 - $9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.25%
  • APY: 0.25%
  • $100,000 - 249,999.99
  • Dividend Rate: 0.30%
  • APY: 0.30%
  • $250,000+
  • Dividend Rate: 0.35%
  • APY: 0.35%

Rates Effective: 12/01/2017

APY = ANNUAL PERCENTAGE YIELD.

We may offer other rates in the future. See our Business Account Disclosures and Agreement provided at account opening for details. Click for  schedule of fees.