Where low rates meet big dreams.

Whether it’s time for a new set of wheels, a fresh remodel for your home or some extra credit when you need it, we’ve got the competitive low rates to make it happen. Choose from a new or used auto loan, a home equity line of credit, a OneAZ Visa® Signature Card, or all of the above to start saving today!

Auto Loans - New, Used & Refinance

  • New Auto - Rates as low as 3.49% APR 1 for 60 months
  • Used Auto - Rates as low as 3.74% APR2 for 60 months
  • Skip up to two payments during the life of your loan3
  • No payment for the first 90 days4
  • Pay online from a OneAZ account

(new members)
Apply Now

(existing members)
Apply Now

Home Equity Line of Credit (HELOC)5

  • Rates as low as 5.25% APR
    (Variable APR may range from 5.25% to 7.50% based on applicant’s credit)
  • Waived closing costs
  • Access to funds 24/7 through online and mobile banking
  • $10,000 minimum line amount
  • $350,000 maximum line amount

Apply Online

Visa® Signature Credit Card6

  • 1.90% 6-month introductory APR on purchases, balance transfers and cash advances
    (APR may range from 11.99% to 18.00% based on applicant's credit after introductory period)
  • 1.50% rebate rewards on every purchase, every day
  • No annual fee…ever
  • ZERO balance transfer fees
  • 24/7 fraud protection by Falcon
  • Visa® Signature Concierge services

(new members)
Apply Now

(existing members)
Apply Now

Call Now

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? 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:

Learn More

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.

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 Home Equity Line of Credit (HELOC): Variable Rate Product (Wall Street Journal Prime rate plus applicable margin) with a floor rate of 4.50% and a rate cap of 18.00%. $10,000 Initial Minimum Draw is required.  Subject property must be a primary residence located in the state of Arizona; subject property must be a residential dwelling that is acceptable collateral to OneAZ; If the first lien is with another lender must be a fixed rate first mortgage loan; if first lien is with OneAZ, may be fixed rate or Adjustable Rate Mortgage; first lien cannot be an interest only, negative amortization or balloon mortgage; first lien cannot be another HELOC. Waived closing costs (appraisal costs from $450-$650 may apply in certain instances). OneAZ may pay third party fees on your behalf, in which case, these will be subject to a recapture fee up to $500 if loan is paid off and closed within 36 months. No $75.00 annual inactivity fee with balance and activity.

6 See table below or  Click here for the Pricing Agreement

signature schumer box

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 March 1, 2019. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.