Supporting local business is more important than ever.

Get a 35% discount on all State Forty Eight apparel purchases. Shop online with promo code oneaz35 upon checkout at www.statefortyeight.com.

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Supporting Arizona never looked so good.

State Forty Eight and OneAZ Credit Union are pleased to announce the exclusive State Forty Eight Credit Card.

1.99% APR

6-Month Introductory APR1

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 your credit card application by clicking the link below.

Apply Now

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!

State Forty Eight Credit Card from OneAZ Credit UnionFeatures and Benefits

  • 1.99% 6-month introductory APR. After introductory period, 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 1.99% for introductory period of 6 months.
After that, 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 Balance Transfer APR: 1.99% for introductory period of 6 months.
After that, 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 Cash Advance APR: 1.99% for introductory period of 6 months.
After that, 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:
  • 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, 2020. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.

Loss of Introductory APR: We may end your introductory APR and apply the penalty APR if you make a payment more than 60 days late.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

These Account Disclosures for the Choice Rewards Credit Card are part of and integrated with your Credit Card Agreement and Disclosure with OneAZ Credit Union.

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:

  1. 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
  2. You must contact us within 60 days after the error appeared on your statement. You must notify us in writing
  3. All decisions by OneAZ regarding point disputes are final.

When we receive your letter, we must do two things:

  1. 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.
  2. Within 90 days of receiving your letter, we must correct the error or explain to you why we believe the statement is correct.