• Escape with a Onederful rate.

Explore the Open Road with these Exceptional Rates!

RV rates as low as 5.24% APR1

  • Available for travel trailers, motor homes and more
  • Up to 100% financing on approved credit

personal recreational vehicle in Monument Valley, AZ



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Your Local Financial Partner

OneAZ has been Arizona’s community credit union since 1951. 68 years later, we’re still here for you with 21 branches across the state. So, think big with us. Because your goals are our goals, and together we can grow.


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.
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Have we mentioned our competitive rates?

Auto loan rates as low as 3.49% APR2


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2.25% APY for 12 months on a Share Certificate3


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HELOC rates as low as 5.25% APR4


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6-month introductory 1.90% APR5

(APR may range from 13.24% to 18.00% APR based on applicants credit after introductory period)

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Call Monday through Friday between 8:00 a.m. and 6:00 p.m. or email anytime.

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See what OneAZ members are saying about our auto loans!

APR = Annual Percentage Rates. Rates as of July 2, 2019. For membership eligibility, visit OneAZcu.com/membership.

1 New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser. Loan APR may range from 5.24% to 18.00% based on credit qualifications, term of loan, and payment options.

2 For 2018 and newer vehicles that have never been titled. Auto loan APR may range from 3.59% to 18.00% based on credit qualifications, term of loan, and payment options. Loans through dealers do not qualify for promotional rate.

3 Promotional Eligibility: Applicant must meet OneAZ Credit Union eligibility requirements. Requirements may be found at OneAZcu.com/membership. Applicant must establish membership with OneAZ.
This Promotional APY offer is available only in branches. Minimum opening deposit of $75,000 required for Star High Yield Money Market. Minimum opening deposit of $25,000 required for Savers Advantage Money Market. Minimum opening deposit of $2,000 required for the Share Certificate.
To receive the promotional APY rates, the following is required: 1) Open a NEW checking account 2) Have a monthly direct deposit totaling $500 or more made to this account within 60 days of account opening.
To receive the promotional APY rates, the account must be opened with funds not currently held with OneAZ Credit Union. Promotional APY is not available on IRA CD, Business Money Market and Business CD.

4 Variable Rate Product. APR=Annual Percentage Rate. Rates and terms are based on your credit worthiness. The initial rate may range from 5.25% to 7.50% based on loan amount, CLTV and applicant's credit. The Fully Indexed corresponding APR may range from 5.25% to 7.50%. 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. $75.00 inactivity fee is waived if there is a balance and/or transaction within a consecutive twelve-month period. Index Rate is based on the prime rate from 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 .25%. APR: Lifetime floor is 4.50%, Lifetime cap is 18.00%. Draw Period - 10 years and the Repayment Period is 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). Payment will be based on a 300 monthly payment schedule at the time of a credit advance.

5 See table below. Click here for Visa Signature Pricing Agreement

Visa signature credit card 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 July 1, 2019. This information may have changed after that date. To find out what may have changed, contact OneAZ Credit Union.