Why Save with OneAZ?
Online & Mobile
App Access
No monthly
maintenance fees
Savings tools
for goal setting
Federally Insured by NCUA
up to $250,000
No matter what’s next for you – a new car, your first home, or that unforgettable trip – you'll be ready for it with a Propel Savings account. Launch into life’s biggest moments and earn 4.50% APY on balances up to $10,000.
- Perfect for new savers
- Save for your next goal or build an emergency fund
- High-yield tiers for bigger savings
- Quick access to cash if you need it
- No monthly fees when you sign up for eStatements
- $100 minimum balance to open account
| Balance | Prospective Dividend Rate | Annual Percentage Yield |
|---|---|---|
|
$0.01 - $9,999.99 |
4.41% |
4.50% APY |
|
$10,000 - $24,999.99 |
2.96% |
4.50% - 3.60% APY |
|
$25,000 - $49,999.99 |
2.48% |
3.60% - 3.05% APY |
|
$50,000 - $99,999.99 |
2.13% |
3.05% - 2.60% APY |
|
$100,000 & Greater |
1.86% |
2.60% - 1.95% APY |
Rates as of July 1, 2025.
*Propel Account Disclosure: APY=Annual Percentage Yield. $100 minimum balance to open account ($500 maximum to open online) and no minimum balance to earn stated APY. 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. Rates are subject to change at any time, refer to the fee schedule. for more information. $2 monthly fee waived if enrolled in eStatements. Fees could reduce earnings on the account. Limit one Propel Savings and YourSavings account per Tax ID number.
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 $2500 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
Renovations
Find the savings account that's right for you.
Propel Savings
Higher returns on lower balances
- High-yield tiers for bigger savings
- No monthly fees with eStatements
- $100 minimum to open
Share Certificates
Higher returns for locked term
Limited time 24-month CD promo
View Promotional Offer
- Other rates and terms available
- Lock-in your dividend rate for guaranteed earnings
- Low risk investment
Money Market Accounts
Higher dividends and access to money
- No term limitations
- Deposit or withdraw cash as needed
- Free checks & ATM access
Club Savings Account
High yield savings account
- Open up to 10 secondary accounts
- Great to use for overdraft protection
- Tap into online & mobile banking app
YourSavings Account
Perfect savings starter account.
- Earn 4.00% APY on your first $1,000
- Low $5.00 minimum to open an account
- No monthly fee with eStatements
Share Savings Account
Establish your membership and savings.
- Buys you a “share” of the credit union
- Great to use for overdraft protection
- Tap into online & mobile banking app
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
- For a loan we may require 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 ReadingMaximize Your Savings
Here's what to look for in a savings account and the differences between regular savings accounts, money market accounts and share certificates.
Keep ReadingHow to Build Your Emergency Fund with an Emergency Fund Calculator
Our emergency fund calculator will help you see how long it will take you to reach your desired emergency fund goal based off your income.
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. For membership eligibility visit OneAZcu.com/membership.
Rates as of July 1, 2025.
