OneAZ Credit Union

Security Alert – We have received reports of members receiving text messages and phone calls from someone claiming to be from “OneAZ Fraud Department” asking for their debit card number and expiration date. This is a phishing attempt and a security threat. If you received this text, please delete it. If you responded to the text or call and provided account information, please call the phone number on the back of your debit card, and closely monitor your transactions. Reminder – OneAZ will NEVER call or text you to request your debit card number, expiration date, or other account or personal information.

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

24/7 suppport - after hours & weekendsNow Accepting New Loan Applications by Phone 24/7

Apply for a new mortgage, refinance, auto loan and more around the clock!

auto loans, credit cards, perfonal loans

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Instant Offers

Get personalized offers for auto, credit card, and personal loans without impacting your credit score.

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Apply Online

Apply for a loan online!

New Members Existing Members


Apply by Phone

Call our Virtual Team and get set up!




Schedule an appointment with a loan officer.



Need more information?

Chat with a loan expert about your needs.

Call 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.

Keep Reading

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.

Keep Reading

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!

Keep Reading

Already Submitted an Application?

Check the status by clicking the button below!

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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

Monday – Friday:
8 a.m. – 6 p.m.


Lost or Stolen Debit or Credit Card?

Call us 24/7.


Make the switch to OneAZ.

Move your money to OneAZ in three simple steps.

Learn More

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.

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