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 | Prospective Dividend Rate | Annual Percentage Yield |
|---|---|---|
|
$0.01 - $9,999.99 |
3.93% |
4.00% APY |
|
$10,000 - $24,999.99 |
3.45% |
4.00% - 3.70% APY |
|
$25,000 - $49,999.99 |
2.96% |
3.70% - 3.35% APY |
|
$50,000 - $99,999.99 |
2.47% |
3.35% - 2.93% APY |
|
$100,000 & Greater |
1.98% |
2.93% - 2.09% APY |
Rates as of October 1, 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:
- Use an account to account (A2A) service. You can add an external account in Online Banking and transfer your funds directly (up to $10,000 per day).
- Transfer funds from a OneAZ account
- Visit a branch
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.
0.10% 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
Rates as high as
4.00% APY2
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
3.75% APY
for a 6-month CD
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
2.50% APY3
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% APY4
Minimum Deposit: $5.00
Features
- Earn 4.00% APY 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
Rates as high as
1.00% APY5
Minimum Deposit to open: $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 October 1, 2023.
1 No minimum balance required. Minimum daily balance required to earn APY is $5.00.
2 $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.
3 Minimum daily balance required to earn APY is $50.00.
4 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.
5 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.
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