• Introducing the Onederful Winter Pricing Special

Save up to $2,500 on closing costs1

OneAZ Credit Union will give you 0.25% off closing costs up to $2,500 for purchase and refinance transactions. You must agree to open a checking account, execute a payroll direct deposit and enroll in automatic payments to be eligible for the 0.25% closing cost discount.

The right mortgage option for you.

Whether you need a fixed-rate or an adjustable-rate mortgage, one of our home loan experts is here to guide you every step of the way. Our mortgage loan officers are experts in the Arizona home market; they'll help you find the right loan to fit your needs.

  • Conventional
  • One-Time Close Construction
  • Professional Mortgage
  • Jumbo
  • Home Rewards2

Email a Mortgage Expert today.

The OneAZ Mortgage Advantage

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Close on the purchase of your home in 30 days* or less after application submission.

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100% local from application to closing.

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Receive regular updates on the progress of your home loan keeping you always in the know.

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Paperless and secure.

Ready to get started? Contact us today!



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Meet the mortgage loan officers that will assist you every step of the way.

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Why Choose OneAZ

It's about you, not your money.
You can customize your OneAZ experience by choosing from a full suite of business and personal financial services. We offer competitive pricing and loan rates to help you meet your financial goals, plus state-of-the-art online banking and a highly rated mobile banking app so you can manage your finances wherever you are.
We keep it local.
Arizona members have been trusting OneAZ Credit Union with their finances since 1951. As a not-for-profit, we reinvest our profits in our members and the community to strengthen the Arizona economy.
We're community-focused.
OneAZ Credit Union and OneAZ Community Foundation invest in the communities we serve. Together, we help students, nonprofits and disaster victims thrive financially, because we believe when our community succeeds, we all succeed.

Learn More

All loans are subject to approval. Loan subject to membership eligibility. For membership eligibility, visit OneAZcu.com/membership.

1 Receive a 0.25% discount off your loan closing costs based on loan amount for purchase and refinance transactions. Other terms and conditions apply for non-owner occupied properties. Offer does not apply to Jumbo 30-year fixed, FHA, VA or USDA mortgages. Applications must be submitted by March 31, 2020 to qualify.

2 The Home Rewards program is made available to you through a relationship between OneAZ Credit Union and Home Rewards Group, Inc. Program Cash Rewards are awarded by Home Rewards Group, Inc. to buyers and sellers who select and use a real estate agent in the HomeSmart network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using OneAZ Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. OneAZ Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please contact the Credit Union to get details that may affect you. Escrow services discount and free signing services only on an escrow serviced by Pioneer Title Agency. Pioneer Title Agency is not affiliated with OneAZ Credit Union or the Home Rewards Group Inc.

*Cannot guarantee 30 day close when third party external impeding factors are present, and borrowers did not agree to receive disclosures electronically.