Supporting Arizona never looked so good.
State Forty Eight and OneAZ Credit Union are pleased to announce the exclusive State Forty Eight Credit Card.
New to OneAZ?
You can submit your credit card application and become a member at the same time.
Existing members can submit your credit card application by clicking the link below.
Celebrate our State with the State Forty Eight Credit Card.
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!
Features and Benefits
- APR may range from 11.99% to 18.00% based on applicant's credit1
- 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
- Online account access
- 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||Your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.|
|APR for Balance Transfers||Your APR will be 11.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.|
|APR for Cash Advances||Your APR will be 11.99% - 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:
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.|
3% of the cash advance transaction (minimum $10.00)
1% of the US dollar amount of the foreign transaction
Late Payment Fee
Returned Item Charge
$25.00 or the amount of the returned item, whichever is less
Pay by Phone
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