OneAZ Credit Union

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!




on a home loan1

Discover Arizona’s hottest mortgage rates.

Purchase a home with OneAZ’s hot rates on conventional, jumbo and more.

For a limited time, save 0.25% on your interest rate.

Apply Now

1 Conditions apply. Rates and terms subject to change at any time. Promotional interest rate is available on purchase loans only.

In order to qualify for the 0.25% discount, you will need to agree to the following: open OneAZ Checking account, establish a monthly $1,000 direct deposit, and set up Auto Pay for the new loan.

Offer does not apply to FHA, VA, or USDA mortgages.

You and OneAZ. A perfect match.

Reward Yourself for Your Spending

Earn points on every purchase with the OneAZ Visa Choice Rewards Credit Card! Enjoy a low 1.99% APR 6-month introductory rate on purchases, balance transfers and cash advances. Redeem points for cash, travel, gift cards and more.

Learn More

Buy or Refi

You’ve Found the One. Match with New Auto rates as low as 3.29% APR. Whether you’re looking for a new ride or want to trade in your monthly payment, we’ll get you on the road with the right rate.

Learn More

Upgrade Your Home’s Value

Spring is the season for home improvements! Match with a 6-month introductory 1.99% APR on your Home Equity Line of Credit.

Learn More

Financial Resources

Financial Resources Guide

We are dedicated to your financial well-being!

Learn everything you need to know to live your best financial life. From budgeting basics to home buying tips, our Financial Resources Guide has all the tools you need to manage your money in one place.

See More Articles

OneAZ Mobile Banking app - Spending Analysis
Data rates apply.

Next Level Banking

Now your bank is as mobile as you are.

  • Set Travel Notices
  • Card Controls
  • Financial Goal Setting
  • Seamless on All Devices
  • Alerts
  • Check Ordering
Compatible with:
Compatible with Apple Pay, Google Pay, Samsung Pay

Today's Rates

See more rates.

New Auto


APR for 48 months

Get Started

Used Auto


APR for 48 months

Get Started

Credit Cards


6-Month Introductory APR

Get Started

Home Equity Line of Credit (HELOC)


6-Month Introductory APR

Get Started

Our Values

  • We are member-centric, associate-focused and community-oriented
  • We are equitable, transparent and trustworthy
  • We are inclusive and celebrate diversity
  • We are dedicated to providing the best member experience
  • We educate members and have their best interests at heart

Visit a Branch

Visit one of our 20 branches across Arizona to open a new account, apply for a loan or credit card, and more. We recommend scheduling an appointment prior to your visit!

Schedule an Appointment

Find an ATM

With your OneAZ Visa® Debit Card, you have access to 470 CULIANCE Network ATMs in Arizona and 41,343 across the nation.

Find an ATM

We Can Help

Our team of experts is standing by to help you achieve your financial goals.

To open a new account, apply for a loan or get answers to your questions, contact our Virtual Team or make an appointment at your local OneAZ branch today.

Meet the Virtual Team

Click Click


Apply online today!

New Members Existing Members



Speak with one of our loan professionals.
(Mon - Fri, 8 a.m. - 6 p.m.)


Visit a Branch


Finance your loan at one of our local branches today.

Find a Branch

Why Choose a Credit Union?

Let's face it: big banks are everywhere, so it's easy to think 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?

Learn More

  • A credit union is owned by members, and earnings are returned in the form of better interest rates and lower fees for services.
  • 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. APY = Annual Percentage Yield.

Rates as of August 1, 2022.


You are leaving

Yes No