OneAZ Credit Union

Alert

Be aware of calls and text messages claiming to be from OneAZ.
OneAZ will never ask you for personal information such as MFA (Multi-Factor Authentication), PIN numbers, passwords, or card information.

Instant Loan Prequalification Offers

Preview your credit limit or loan amount when you use Instant Offers at OneAZ Credit Union. Check your offer with no impact to your credit score! Available for auto loans, personal loans or credit cards.

View Instant Offers

Instant Loan Prequalification Offers

THREE SIMPLE STEPS

How Instant Offers Works.

Answer a few questions, review your available offers, and apply when you’re ready.

01

Answer pre-qualification questions.

02

Review your credit limit or loan amount offers.

03

Accept the offer and complete your application.

Instant Offers for Instant Gratification

See if you pre-qualify in an instant for a OneAZ loan.

See Offers

Auto Loan

  • No payments for 90 days1
  • Rate includes a 0.25% discount for having a Benefits Checking account
  • Free CARFAX report upon request with application submission
Disclosures

Credit Card

  • No annual fees
  • Choose from cards that offer rewards, cash back and more
  • Choice Rewards offer 0% APR1
Disclosures

Personal Loan

  • Personal Line of Credit Loan amounts up to $30,000
  • Signature Loan: Up to $2,500 maximum credit limit
  • Share Certificate Secured Loan for just 3.00% over your dividend rate1
Disclosures
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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.

Your dollars stay local, strengthening businesses and communities that support your success.

Each debit card swipe helps fund local nonprofits, creating opportunities for all Arizonans to thrive.

Free financial coaching and resources to help you make confident money decisions.

Get member-only discounts on home and auto loans to help you achieve your goals.

Enjoy digital banking 24/7 or in-person guidance at branches statewide, so you can manage your money with confidence. 

Your finances are protected with secure digital banking and NCUA insurance up to $250,000 per individual. 

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Rates as of August 1, 2026.

All loans subject to credit and income approval.

OneAZ's mission

Our success is measured only by yours.