Financial solutions for all Lumberjacks

As the official financial institution of NAU Athletics and a partner of the NAU Foundation, we’re pleased to support Lumberjacks far and wide. We are excited to offer a collection of financial solutions uniquely designed for the students, faculty, staff, alumni and fans of the NAU Lumberjacks. Get your Lumberjacks Debit Card and NAU Affinity Credit Card by visiting one of our Flagstaff branches today!


NAU Affinity
Credit Card

NAU Lumberjacks
Debit Card


NAU Lumberjacks Debit Card

  • Show your Lumberjack pride
  • Access to over 25,000 fee-free ATMs
  • 24/7 access to Online and Mobile Banking
Find a Branch

Visa® NAU Lumberjacks Debit Card from OneAZ Credit Union

$100 in your pocket.

Open your OneAZ Student Checking account and receive a $100 deposit1.

Visit one of our Flagstaff branches today.

NAU Affinity Credit Card

  • 1% of every purchase is donated to the NAU Foundation to support alumni programs
  • APR may range from 11.99% to 18.00% APR based on applicants credit2
  • Rewards for every eligible purchase

Visa® NAU Affinity Credit Card from OneAZ Credit Union

Visit one of our Flagstaff branches to get your Lumberjacks debit card today!

OneAZ Credit Union - Flagstaff Beaver Street branch

Vintage Flagstaff.

OneAZ Credit Union has been serving the Flagstaff area since 1970. With a branch on Beaver Street just steps away from campus, we know what it means to live the Lumberjack life!

OneAZ was Voted Best of Flag!

Thanks to our loyal members in Northern Arizona, OneAZ was voted Best of Flag in 2018!

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Why Choose OneAZ

It's about you, not your money.
You can customize your OneAZ experience by choosing from a full suite of business and personal financial services. We offer competitive pricing and loan rates to help you meet your financial goals, plus state-of-the-art online banking and a highly rated mobile banking app so you can manage your finances wherever you are.
We keep it local.
Arizona members have been trusting OneAZ Credit Union with their finances since 1951. As a not-for-profit, we reinvest our profits in our members and the community to strengthen the Arizona economy.
We're community-focused.
OneAZ Credit Union and OneAZ Community Foundation invest in the communities we serve. Together, we help students, nonprofits and disaster victims thrive financially, because we believe when our community succeeds, we all succeed.
Learn More
myOneAZcu mobile app with FaceID login

Banking in your pocket.

Mobile banking is available at your fingertips with our free myOneAZcu app. Data rates apply.

  • Deposit checks
  • Schedule payments
  • Transfer funds
Over 8.3K reviews
4.8/5 stars
Compatible with
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Want to learn more about our partnership with NAU? Watch our videos below!

Insured by NCUA

For membership eligibility visit

APR = Annual Percentage Rate.

1 $100 awarded in branch at time of debit card activation. Bonuses are considered dividends and will be reported on IRS form 1099-INT (or Form 1042-S, if applicable). New OneAZ Student Checking account required. Offer not valid to existing members. Valid application must be presented to OneAZ associate in-branch or at Student Union orientation booth. Offer valid to NAU students with valid and current student identification. Offer expires Wednesday, September 30, 2020.

2 All loans subject to credit and income approval. Please see table below.

Annual Percentage Rate (APR) for Purchases Your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Balance Transfers Your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Cash Advances Your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
Penalty APR and When It Applies 18.00% - This APR may be applied to your account if:
  • Your minimum monthly payment is more than 60 days late
  • You are in default of any other terms of the Agreement
How long will the penalty APR apply?
If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
Minimum Finance Charge If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
Annual Fee None
Transaction Fees:
   Cash Advance
   Foreign Transaction

   3% of the cash advance transaction (minimum $10.00)
   1% of the US dollar amount of the foreign transaction
Penalty Fees:
   Late Payment Fee
   Returned Item Charge

   $25.00 or the amount of the returned item, whichever is less
Other Fees:
   Pay by Phone


How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). We reserve the right to amend the VISA© Credit Card Agreement as permitted by law.

Effective Date. The information about the costs of the card described in this disclosure is accurate as of August 1, 2020. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union