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!

$100 in your pocket.

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

Visit one of our Flagstaff branches today.

NAU Alumni 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

Apply now!

New Members
Existing Members

Visa® NAU Affinity Credit Card from OneAZ Credit Union

Visit a Branch

Visit one of our 20 branches across Arizona to open a new account, apply for a loan or credit card, and more. We recommend scheduling an appointment prior to your visit!

Schedule an Appointment

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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5 Ways to Keep Your Money Local

Supporting Arizona businesses means your money stays local, through taxes, investments and more. That means that your hard-earned money, once spent, continues to work for you and improve the economy.

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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

OneAZ Mobile Banking app - Spending Analysis
Data rates apply.

Next Level Banking

Now your bank is as mobile as you are.

  • Set Travel Notices
  • Card Controls
  • Financial Goal Setting
  • Seamless on All Devices
  • Real-time Updates
  • Check Ordering
Download on the App Store Get it on Google Play
Compatible with:
Compatible with Apple Pay, Google Pay, Samsung Pay

Want to learn more about our partnership with NAU? Watch our video below!

Insured by NCUA

For membership eligibility visit OneAZcu.com/Membership.

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 Free 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 December 31, 2021.

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

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 1.99% for introductory period of 6 months.
After that, 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 Balance Transfer APR: 1.99% for introductory period of 6 months.
After that, 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 Cash Advance APR: 1.99% for introductory period of 6 months.
After that, 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 http://www.consumerfinance.gov/learnmore.
FEES
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
$25.00 or the amount of the returned item, whichever is less
Other Fees:
Pay by Phone
$20.00

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 June 1, 2021. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.

Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a payment more than 60 days late.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

These Account Disclosures for the Choice Rewards Credit Card are part of and integrated with your Credit Card Agreement and Disclosure with OneAZ Credit Union.

How are Reward Points Calculated?

Points are calculated on each individual purchase transaction and rounded [up or down] to the nearest whole dollar. The individual results are then added together and we subtract any returns, credits or adjustments to determine the net points earned. Points are calculated and credited daily.

How Do I Redeem My Rewards?

There are five ways you can redeem your points:

  1. Travel Redemption
  2. Merchandise Redemption
  3. Merchant Gift Card Redemption
  4. Cash Redemption
  5. Donation Redemption

There is no fee to participate in the OneAZ rewards program and you are automatically enrolled when opening a OneAZ Choice Rewards Credit Card.

All point redemptions are final. Redemptions are subject to point availability and other conditions contained in the Choice Rewards Credit Card Terms and Conditions disclosure.

Disputes:

  1. All point disputes must be made in writing and sent to:
    OneAZ Credit Union
    Attn: Card Services
    2355 W. Pinnacle Peak Road
    Phoenix, AZ 85027
  2. You must contact us within 60 days after the error appeared on your statement. You must notify us in writing
  3. All decisions by OneAZ regarding point disputes are final.

When we receive your letter, we must do two things:

  1. Within 30 days of receiving your letter, we must tell you we received your letter. We will also tell you if we have already corrected the error.
  2. Within 90 days of receiving your letter, we must correct the error or explain to you why we believe the statement is correct.