You bleed blue and gold. Now you can pay with Lumberjack currency!

Northern Arizona University and OneAZ Credit Union are pleased to announce the NAU Affinity Credit Card.

New to OneAZ?

You can submit your credit card application and become a member at the same time.

Apply Now

Existing Members

Existing members can submit a loan application by clicking the link below.

Apply Now

Connecting Lumberjacks For Life 

Giving back to Lumberjacks like you is easier than ever with the NAU Affinity Credit Card. 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® NAU Affinity credit card from OneAZ Credit Union

Features and Benefits

  • 0% introductory APR on Balance Transfers, cash advances and purchases for 6 months1
    (APR may range from 13.74% to 18.00% based on applicant's credit after introductory period)
  • Select your reward of choice: cash back, travel, gift cards, merchandise or charity donations
  • Receive double reward points for balance transfers in the first 90 days
  • Receive 5,000 points after your first monetary transaction
  • Cash advances at ATMs
  • $2,500 minimum limit
  • Extended warranties on purchases
  • Online account access
  • Travel accident insurance
  • Auto rental insurance
  • Roadside dispatch program

APR = Annual Percentage Rate.

1 All loans subject to credit and income approval. Please see table below.

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 0.00% For introductory period of 6 months.
After that, your APR will be 13.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Balance Transfers Balance Transfer APR: 0.00% introductory period of 6 months.
After that, your APR will be 13.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
APR for Cash Advances Cash Advance APR: 0.00% For introductory period of 6 months.
After that, your APR will be 13.74% - 18.00%, 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:
  • Your minimum monthly payment is more than 60 days late
  • You are in default of any other terms of the Agreement
How long will the penalty APR apply?
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 October 1, 2019. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union