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Why Choose A Credit Union? Glad you asked.
Let’s face it: big banks are everywhere, so it’s easy to think that they’re the best option for you. Why not put your money—and your trust—in an organization that offers personalized service, competitive rates and a community focus?
Here’s what that means for you:
Better rates and lower fees.
A credit union is owned by members, and earnings are returned in the form of better interest rates and lower fees for services.
Local expertise at your service.
Arizona-based experts in the market who understand the local real estate landscape will put their knowledge to work for you.
APR = Annual Percentage Rate. Rates as August 1, 2019.
This offer is subject to credit qualification, including verification of income, employment status, current debt obligations and other factors indicating your ability to repay the loan offered. Additional documentation will be required. Rates effective June 20 and subject to change without notice.
1 For 2018 and newer vehicles that have never been titled. Auto loan APR may range from 3.49% to 18.00% based on credit qualifications, term of loan, and payment options. Loans through dealers do not qualify for promotional rate.
2 For any vehicles that have been previously titled. Auto loan APR may range from 3.74% to 18.00% based on credit qualifications, term of loan, and payment options. Loans through dealers do not qualify for promotional rate.
3 To qualify for the skip payment privilege, you must make nine (9) months of consecutive loan payments before you can request your first skip payment. After you have made at least one (1) payment following your first skip payment, you can request a second skip payment at any time during the remaining life of the loan. Any delinquent activity disqualifies eligibility to skip a payment. Skipping a payment will extend your loan by one (1) month and finance charges will accrue on the unpaid principal. Your regular payments will resume in a month following the skipped payment. All other terms and conditions of the loan will remain the same. There is a $30.00 processing fee for this request and this fee is considered an interest charge, which will be added to your loan. Fee amount is subject to change. Skip payment requests are subject to credit qualifications and approval.
4 90 Days No Payment option will extend your loan by three (3) months, and finance charges will accrue on unpaid principal.
5 Variable Rate Product. APR = Annual Percentage Rate. Rates and terms are based on your credit worthiness. The initial rate may range from 5.00% to 7.25% based on loan amount, CLTV and applicant's credit. The fully indexed corresponding APR may range from 5.00% to 7.25%. OneAZ may pay third party fees on your behalf, in which case these will be subject to recapture if loan is paid off or closed within 36 months. No $75.00 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal as of the 15th of each month. Variable Rate Provision: To determine the APR we add a margin to the value of the index and round up to the nearest 0.25%. APR: Lifetime cap is 18.00%. Draw Period: 10 years. Repayment Period: Up to 15 years. Minimum Payment Requirements: You will be required to make payments during the draw period (10 years) and the repayment period (up to 15 years).
6 See table below or Click here for the Pricing Agreement
How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (including new purchases).
Effective Date. The information about the costs of the card described in this disclosure is accurate as of August 1, 2019. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.