Take charge of your financial future.

Borrow funds to pay for unexpected expenses, consolidate debt or re-establish credit with OneAZ’s personal loan options. Enjoy low rates and flexible terms to fit your needs. Plus, access your accounts anytime, anywhere through online banking or mobile app.

Share Certificate Secured Loan

Use your own funds to secure your loan while continuing to earn dividends. Repay at a low interest rate—just 3.00% over your dividend rate!1 This is an excellent way to re-establish credit!

  • Instant approval—no waiting for a decision
  • Choose from loan terms between 12 and 60 months, depending on amount borrowed and/or the term of your certificate

Signature Loan

Need to pay for unexpected expenses? Try a signature loan—a small loan with no secured collateral necessary.

  • Up to $2,500 maximum loan credit
  • Flexible terms


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Apply by Phone

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Need more information?

Chat with a loan expert about your needs.

Call Monday through Friday between 8:00 a.m. and 6:00 p.m. or email anytime.

Meet the Team

Building a Budget from Scratch

Let’s face it—creating a budget is nobody’s idea of fun. But if you want to be financially secure, step one is making sure you don’t spend more than you make. Do this by simply building your budget and making conscious choices about where your money goes.

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How Does a Credit Score Really Work?

Your credit score is a representation of your behavior with borrowing money and is used by potential lenders to determine your level of risk before they lend you money.

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How to Talk About Money with Your Kids

Talking to your kids about healthy money management now will set them up for a lifetime of financial success. Not sure where to start? Try our handy guide to teaching your little ones about smart money habits!

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Get paid to save.

Work towards your savings goals faster with a high yield account and full control.

Money Market

Member Care Center

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8 a.m. – 6 p.m.


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Make the switch to OneAZ.

Move your money to OneAZ in three simple steps.

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APR = Annual Percentage Rate

1 You will be automatically approved if you would like to pledge your Share Certificate or Share Account as collateral. The interest rate depends on your current Share Certificate rate +3.00%.

2 Subject to credit and program guidelines.