Great features available on all OneAZ Credit Cards:
See if you're pre-qualified for a credit card without impacting your credit score.
Visa Choice Rewards
Reward yourself today with points on every dollar you spend.3
- 0% Introductory APR1 for 12 months on your first 90 days of purchases. After the introductory period, APR may range from 16.24% to 24.00% based on applicant’s credit.
- Select your reward of choice: cash back, travel, gift cards, merchandise or charitable donations.
- Receive double reward points for balance transfers in the first 90 days.3
- Earn 5,000 points after your first monetary transaction.
- No annual fee
Visa Signature
The best of both worlds with a low APR and cash back.
- 1.99% 6-month introductory APR1 on purchases, balance transfers, and cash advances. After the introductory period, APR may range from 16.24% to 24.00% based on applicant’s credit.
- 1.50% cash back on qualifying purchases.2 Redeem for statement credit or deposit into your OneAZ checking account.
- Extended warranty protection
- Travel-related benefits available for card holders
- No annual fee
Visa Platinum
A straightforward card with low rates.
- 1.99% 6-month introductory APR1 on purchases, balance transfers, and cash advances. After the introductory period, APR may range from 15.24% to 23.00% based on applicant’s credit.
- Minimum credit line of $2,500
- Cash advances at ATMs
- Roadside dispatch program available for cardholders
- No annual fee
Visa State Forty Eight
Show your Arizona pride and get rewards every time you swipe!
- 1.99% 6-month introductory APR.1 After introductory period, APR may range from 17.24% to 24.00% based on applicant’s credit.1
- Select your reward of choice: cash back, travel, gift cards, merchandise or charitable donations.
- Receive double reward points for balance transfers in the first 90 days.3
- Earn 5,000 bonus points after your first purchase.3
- No annual fee
Apply anytime.
We're here for you 24/7. Apply by phone after hours and on weekends.
Advanced card controls.
Take control of your credit card using the OneAZ Mobile Banking app.
- Instantly lock and unlock your credit cards
- Set travel notices for planned trips
- Block international in-store transactions
- Enable merchant controls
- Receive custom alerts
Why 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.
Rates as of September 15, 2023.
All loans subject to credit and income approval.
1 See table below for details
| INTEREST RATES AND INTEREST CHARGES | |
| Annual Percentage Rate (APR) for Purchases | 0.00% for Visa Choice Rewards Credit Card for 12 months on all purchases made within the first 90 days of open date. 1.99% for Visa Platinum, Visa Signature, and Visa State Forty Eight Credit Cards for introductory period of 6 months. After that, your APR will be 15.24% - 23.00% for Visa Platinum Credit Card, 16.24% - 24.00% for Visa Signature and Choice Rewards Credit Cards and 17.24% - 24.00% for State Forty Eight Credit Card, 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 Visa Platinum, Signature and State Forty Eight Credit Cards for introductory period of 6 months. After that, your APR will be 15.24% - 23.00% for Visa Platinum Credit Card, 16.24% - 24.00% for Visa Signature Credit Card and 17.24% - 24.00% for State Forty Eight Credit Card, based on your creditworthiness and will vary with the market based on the Prime Rate. APR will be 16.24% - 24.00% for Visa Choice Rewards Credit Cards after opening, 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 Visa Platinum, Signature and State Forty Eight Credit Cards for introductory period of 6 months. After that, your APR will be 15.24% - 23.00% for Visa Platinum Credit Card, 16.24% - 24.00% for Visa Signature Credit Card and 17.24% - 24.00% for State Forty Eight Credit Card, based on your creditworthiness and will vary with the market based on the Prime Rate. APR will be 16.24% - 24.00% for Visa Choice Rewards Credit Cards after opening, based on your creditworthiness and will vary with the market based on the Prime Rate. |
| Penalty APR and When It Applies | 24.00% - This APR may be applied to your account if:
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 Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau 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 cards described in this disclosure is accurate as of September 15, 2023. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.
IMPORTANT DISCLOSURE FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this notice verbally, please call 1.844.663.2928 during our normal business hours: Monday - Friday 8:00 am - 6:00 pm.
2 1.50% rebate is not eligible on cash advances and balance transfers.
3 THINGS YOU SHOULD KNOW ABOUT THIS REWARDS PROGRAM
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:
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
You must contact us within 60 days after the error appeared on your statement. You must notify us in writing.
All decisions by OneAZ regarding point disputes are final.
When we receive your letter, we must do two things:
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.
Within 90 days of receiving your letter, we must correct the error or explain to you why we believe the statement is correct.
