Choose the card that's right for you.
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6-month introductory rate on purchases, balance transfers and cash advances
Visa® Choice Rewards
Reward yourself today with points on every dollar you spend and you choose the reward: cash back, travel, gift cards, merchandise or charity donations.
Visa® Platinum
Looking for a low rate, straightforward card? Get the Platinum credit card that is easy to use.
Visa® Signature
Want best of both worlds? Get a low APR and 1.50% rebate on qualifying purchases1.
Visa® NAU Affinity
One percent of every purchase you make is donated to the NAU Foundation. That means you’re giving back to your alma mater every time you shop!
Visa® State Forty Eight
State Forty Eight and OneAZ Credit Union know the importance of supporting Arizona businesses. Show your Arizona pride with the exclusive State Forty Eight Credit Card and get rewards every time you shop!
Banking in your pocket.
Mobile banking is available at your fingertips with our free myOneAZcu app. Data rates apply.
- Deposit checks
- Schedule payments
- Transfer funds
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ALL LOANS SUBJECT TO CREDIT AND INCOME APPROVAL.
1 1.50% rebate is not eligible on cash advances and balance transfers.
| INTEREST RATES AND INTEREST CHARGES | |
| Annual Percentage Rate (APR) for Purchases | Your APR will be 9.99% - 18.00% for Visa Platinum Credit Card, 10.99% -18.00% for Visa Signature and Choice Rewards Credit Cards and 11.99% - 18.00% for State Forty Eight and NAU Affinity Credit Cards, based on your creditworthiness and will vary with the market based on the Prime Rate. |
|---|---|
| APR for Balance Transfers | Your APR will be 9.99% - 18.00% for Visa Platinum Credit Card, 10.99% -18.00% for Visa Signature and Choice Rewards Credit Cards and 11.99% - 18.00% for State Forty Eight and NAU Affinity Credit Cards, based on your creditworthiness and will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Your APR will be 9.99% - 18.00% for Visa Platinum Credit Card, 10.99% -18.00% for Visa Signature and Choice Rewards Credit Cards and 11.99% - 18.00% for State Forty Eight and NAU Affinity Credit Cards, 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:
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 |
$10.00 |
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 May 1, 2020. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.