Why Save with OneAZ?
Let's propel your savings.
Propel Savings
Earn higher dividends on lower balances and reach your goals faster with Propel Savings. Whether you’re saving for that next car, home, vacation, or your future, Propel Savings puts the power of saving in your hands.
- Earn 4.00% APY* on balances under $10,000
- High-yield tiers for bigger savings
- No monthly fees when you sign up for eStatements
- $100 minimum balance to open account
| Balance | Annual Percentage Yield | Prospective Dividend Rate |
|---|---|---|
|
$0.01 - $9,999.99 |
4.00% APY |
3.93% |
|
$10,000 - $24,999 |
4.00% - 3.55% APY |
3.55% |
|
$25,000 - $49,999 |
3.55% - 3.35% APY |
3.35% |
|
$50,000 - $99,999 |
3.35% - 3.23% APY |
3.23% |
|
$100,000 & Greater |
3.23% - 3.02% APY |
3.02% |
Rates as of March 15, 2023.
*APY=Annual Percentage Yield. $100 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 Savings is a variable tier rate savings account that pays the stated interest rate only on that portion of the account balance that falls within that specified tier to create a range rate.
How to Propel Your Savings
- Open an account online or in branch with a $100 minimum balance to open
- If you open your account online, you may deposit up to $500 to start earning your high-yield Propel dividends immediately
- To add additional deposits:
- Transfer funds from a OneAZ checking account or Share Savings account
- Visit a branch to deposit funds
- Use an account to account (A2A) service to send funds from an outside account to your OneAZ Propel Savings Account
What Are You Saving For?
Open a new savings account with OneAZ that suits your needs, whether for the short term or long term.
New Car
New Home
College Fund
Wedding
Vacation
Retirement
Emergency Fund
Home Renovations
Find the savings account that's right for you.
Share Savings Account
Establish your membership and savings.
0.05% APY1
Minimum Deposit: $5.00
Features
- Buys you a “share” of the credit union
- Great to use for overdraft protection
- Tap into online & mobile banking app
How to Open:
In-Branch, By Phone or Online
Propel Savings
Higher returns on lower balances
4.00% APY6
Minimum Deposit: $100.00
Features
- High-yield tiers for bigger savings
- No monthly fees when you sign up for eStatements
- $100 minimum balance to open account
How to Open:
In-Branch, By Phone or Online
Share Certificates
Higher returns for locked term
3.00% APY5
Minimum Deposit: $2,000.00
Features
- Terms from 3 months to 5 years
- Lock-in your dividend rate for guaranteed earnings
- Low risk investment
How to Open:
In-Branch
Club Savings Account
High yield savings account
3.00% APY2
Minimum Deposit: $50.00
Features
- Open up to 10 secondary accounts
- Great to use for overdraft protection
- Tap into online & mobile banking app
How to Open:
In-Branch, By Phone or Online
YourSavings Account
Perfect savings starter account.
4.00% APY3
Minimum Deposit: $5.00
Features
- Earn higher dividends on your first $1,000
- Low $5.00 minimum to open an account
- No monthly fee when you sign up for eStatements
How to Open:
In-Branch, By Phone or Online
Money Market Accounts
Higher dividends and access to money
0.15% APY4
Minimum Deposit: $1,000.00
Features
- No term limitations
- Deposit or withdraw cash as needed
- Free checks & ATM access
How to Open:
In-Branch
Whether you are opening an account in-person, by phone or online, be prepared with the following items:
- Valid Driver’s License, State ID or Passport
- Social Security Number
- Employment and Income Verification
Savings Calculator
How much will your savings be worth? Use this calculator to understand the future value of your savings.
Saving & Budgeting Resources Guide
At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.
Savings Goals at Every Age
How much should you be saving at every age? Whether you’re 20 or 60 years old, savings should always be at the forefront of a good financial plan.
Keep Reading5 Tips to Jump-Start Your Savings Plan
People looking to build a successful savings habit often run up against challenges. To help manage, here are five tips to jump-start your savings.
Keep ReadingHow to Build Your Emergency Fund
Your emergency fund is there to save the day, so you don’t go further into debt when you’re already inside a financial emergency.
Keep ReadingWhy Choose OneAZ?
At OneAZ, our mission is to truly improve the lives of our members, our associates and the communities we serve. By becoming a member, you’re joining a credit union that cares about your future – we are here to help you achieve your financial goals. We put you first by providing you with competitive rates, low fees and the personalized service you deserve.
- You’re a Member, not a number. Your membership is your ownership stake in OneAZ Credit Union. That means we’re accountable to you, not investors or stockholders. You have a voice in how your credit union operates and get to vote for our Board of Directors.
- Our profits are your savings. As a not-for-profit, we return our earnings to you in the form of lower interest rates, lower fees and better banking technology. Our team only cares about providing you with products and services that will benefit your financial well-being.
- We keep it local. Banking at a local credit union like OneAZ keeps your money in Arizona. We’re committed to strengthening Arizona’s economy by providing affordable home and auto loans, empowering local entrepreneurs and small businesses, and supporting our members as they achieve their financial goals.
- We invest in your community. We build stronger communities by providing support to nonprofits working in neighborhoods where our members live and work. The OneAZ Community Foundation uplifts the lives of Arizonans in need by awarding dozens of grants each year to local organizations across the state.
APY = Annual Percentage Yield.
Rates as of March 15, 2023.
APY = Annual Percentage Yield.
1 APY = Annual Percentage Yield. No minimum balance required.
2 Minimum daily balance required to earn APY.
3 Minimum daily balance to earn the stated APY is $100.00. Daily balances of less than $100.00 will not earn dividends. Balances equal to $1,000.01 and greater will earn 0.05%. 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. Minimum balance to open account is $5.00. There is a limit of one (1) Your Savings account per primary member. Fees could reduce earnings. The monthly fee is waived if you consent to receive statements electronically. We may offer other rates in the future. See our Account Disclosures for details.
4 Money market accounts are subject to a tiered variable rate. The minimum balance required to open this account is $1,000. In order to earn disclosed APY, you must maintain a balance that is at least equal to $0.01 in your account each day. In order to avoid a $10.00, your account balance must be at least equal to $1,000 on the last calendar day of the month.
5 Promotional APY applies to new share certificates opened at any OneAZ location with funds coming from a source other than OneAZ Credit Union (i.e.: New Money). This account is subject to a fixed rate. Minimum opening deposit of $2,000 required. Promotional rate is a fixed rate and subject to change or end without notice. Penalties for early withdrawal may apply. At maturity, your promotional rate certificate will mature at the closest term at the current rate unless you request other options during the grace period at maturity. **Must be opened in Branch
6 APY=Annual Percentage Yield. $100 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 Savings is a variable tier rate savings account that pays the stated interest rate only on that portion of the account balance that falls within that specified tier to create a range rate. Limit one Propel Savings and YourSavings account per Tax ID.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Take control of your future with a savings account that fits your needs.
Start earning interest on your savings, all you need is $5 to get started!
New to OneAZ?
Open your first OneAZ savings account and become a member at the same time.
Already a Member?
Existing members can use the link below to open a savings account.
Club Savings
- Earn 3.00% APY on balances of $50 or more1
- Add up to 10 secondary Club Savings accounts
- Great to use for overdraft protection
Savings Quick Links
Don't just skip to the front of line, skip the line entirely.
Quick and easy online account set-ups.
CDs that don’t get scratched or skip.
Our share certificates earn long-term savings with a higher return, but they don’t play music in your car.
Get paid to save.
Work towards your savings goals faster with a high yield account and full control.
Today's Rates
Check out all of our current rates!
