OneAZ Credit Union

Security Alert – We have received reports of members receiving text messages and phone calls from someone claiming to be from “OneAZ Fraud Department” asking for their debit card number and expiration date. This is a phishing attempt and a security threat. If you received this text, please delete it. If you responded to the text or call and provided account information, please call the phone number on the back of your debit card, and closely monitor your transactions. Reminder – OneAZ will NEVER call or text you to request your debit card number, expiration date, or other account or personal information.

Welcome to your OneAZ Auto Loan.


OneAZ Owner’s Manual

Congratulations on your new vehicle! Here’s everything you need to know about your new Auto loan:

  • Sign into Online Banking to view your loan.
  • Download the OneAZ Mobile Banking app to set up loan payments—all without leaving your living room!
  • Please remember to alert your insurance company to add OneAZ Credit Union as the lien holder on your policy. Proof of insurance can be submitted to or faxed to 800.713.0256
  • Register for eStatements through Online and Mobile Banking to get your statements delivered electronically each month.

Video Guide to Get Started

Your step-by step guide to making your first loan payment.

Proof of Insurance

You’re almost ready to gas up and go! Before you hit the open road, please take a few minutes to ensure that you’ve submitted your proof of insurance to our insurance department. All it takes is 2 simple steps.

  1. Contact your insurance company to add OneAZ as the lien holder on your policy.
  2. Submit your proof of insurance to or fax it to 800.713.0256.

Auto FAQs

You have the option to receive eStatements or paper statements. If you are not enrolled in Online and Mobile Banking, you will default to paper statements.

Once you are enrolled in Online and Mobile Banking, click on the three dots in the blue navigation bar and select Documents and Statements. Select Register and let us know if this is for a Personal Account or a Business Account.

Complete the required fields and select Next. Review the Consent to Electronic Documents and select the checkbox to confirm you have read and agree to the terms outlined. Then select Finish. This will complete your eStatement enrollment.

To turn eStatements off, click on the three dots in the navigation bar, select Documents and Statements, select Settings. From here, you can select the Discontinue box and click Submit.

There are multiple ways to make a payment on your OneAZ loan. Take a moment to review your options below.

  • Online & Mobile Banking: Once you’re logged in, select Make a Transfer then select New Transfer. On the New Transfer screen, choose the account you want to pay from, then select the loan account you want to pay. Enter your payment details and select from one-time, recurring, or ‘schedule a payment’ options. You may choose to pay from a OneAZ account or a non-OneAZ checking account, savings account or debit card. Payments may take up to three business days to post.
    If the account you would like to transfer to is not in the drop-down menu, select New External Financial Institution. Follow the prompts to add the account you would like to transfer to and select Submit.
    You may also select Pay a Loan with a Debit Card to make a one-time payment.
  • Telephone Banking: If you are transferring your payment from a OneAZ account, dial 844.663.2928 to use our automated payment service. You must enter your member number and have a pre-established PIN. Please see our Telephone Banking FAQs for additional support.
  • Call Us: If you have the funds available in a OneAZ account, you can contact our Member Care Center and ask them to apply these funds toward your loan. Our Member Care Center can also take payments over the phone with a credit or debit card; there may be a fee associated with this service.
    Take a look at OneAZ’s Account Disclosure Rate Supplement and Schedule of Fees and Charges to view current fees and rates.
  • In-person: Visit us at your local OneAZ branch and work with a teller to make your payment.
  • Mail: Send a check to our corporate office at the address below. Your name and address should be on the check, and the memo line should contain your loan number and payment due date.
    OneAZ Corporate Office
    ATTN: Deposit Operations
    2355 W. Pinnacle Peak Rd.
    Phoenix, AZ 85027

You can view your auto loan details on your monthly statement or online.

If you’re signed into Online or Mobile Banking, select the loan account from the left pane. A screen will appear that shows your amount due, payment due date and more.

Use the New Member Registration guide to view step-by-step instructions.

Protect your investment with GAP!

Financing a vehicle can come with a big price tag, and it’s important to protect your investment. Guaranteed Asset Protection (GAP) covers you in the case of a total loss of your vehicle.1

If your insurance settlement is less than your loan balance, OneAZ will cover that “gap” so you don’t have to pay the outstanding balance!


Your outstanding balance is covered if your vehicle is totaled or stolen.2


You’ll get a $1,000 boost toward a down payment on your next auto loan if financed with OneAZ within 90 days of total loss.3


GAP can be added to your total loan amount, so you don’t have to pay now.

Ready to protect your auto investment?

Our Virtual Team is ready to help you add GAP to your OneAZ auto loan today!



This is a great opportunity to become familiar with our Virtual Team. Call our Virtual Team associates at 844.966.1233 or send an email to The Virtual Team can assist you with questions around your existing GAP product and can help you understand your GAP options.

This is a great opportunity to become familiar with our Virtual Team. Call our Virtual Team associates at 844.966.1233 or send an email to The Virtual Team can assist you with questions around your existing warranty product and can help you understand your warranty options.

This notification is letting you know that OneAZ has not received your proof of auto insurance. If you do not own your vehicle and do not want to use a OneAZ auto insurance provider, please work with your chosen insurance company to add OneAZ Credit Union as a lienholder to your vehicle.

Once OneAZ has been added as a lienholder to your insurance policy, submit proof of insurance to or fax it to 800.713.0256.

For questions about submitting proof of auto insurance, or to learn whether your insurance has been received, please call 800.998.0762.

OneAZ associates are known for their knowledgeable and friendly service. We recommend scheduling an appointment online to meet with a personal banker at your local OneAZ branch. If you prefer not to visit us in person, our Member Care Center associates are available Monday through Friday from 8:00 AM to 6:00 PM. Call them at 844.663.2928 or login to Online Banking to chat with them using Live Chat. If you’re logged in, you also have the option of sending our Member Care Center a secure message.

For general questions or concerns, email us at Please do not include account information in these emails.

We Can Help

The road to financial freedom is full of bends and curves. Our team of experts is standing by to make sure your journey is a smooth one.

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

Live Chat

Live Chat

Log in and click on the Chat icon in the top navigation.

Sign In



Call our team today and get set up!




Schedule an appointment with a loan officer.


You Deserve Great Checking

Access your cash at fee-free ATMs nationwide.

Learn More

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

Earn Points with Every Purchase.

Visa Choice Rewards Credit Card

  • Choose your reward: cash back, travel, gift cards, merchandise, or charitable giving
  • 5,000 bonus points after your first purchase
  • Earn double rewards points on balance transfers in the first 3 months

OneAZ members get access to exclusive credit card perks:

  • No annual fees
  • Tap-to-pay contactless payments
  • Roadside dispatch program

Learn More

Home Sweet Home Loan.

Get competitive rates on customizable home loans.

Learn More

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

Why Choose OneAZ?

At OneAZ, our mission is to truly improve the lives of our members, our associates and the communities we serve. By becoming a member, you’re joining a credit union that cares about your future – we are here to help you achieve your financial goals. We put you first by providing you with competitive rates, low fees and the personalized service you deserve.

  • You’re a Member, not a number. Your membership is your ownership stake in OneAZ Credit Union. That means we’re accountable to you, not investors or stockholders. You have a voice in how your credit union operates and get to vote for our Board of Directors.
  • Our profits are your savings. As a not-for-profit, we return our earnings to you in the form of lower interest rates, lower fees and better banking technology. Our team only cares about providing you with products and services that will benefit your financial well-being.
  • We keep it local. Banking at a local credit union like OneAZ keeps your money in Arizona. We’re committed to strengthening Arizona’s economy by providing affordable home and auto loans, empowering local entrepreneurs and small businesses, and supporting our members as they achieve their financial goals.
  • We invest in your community. We build stronger communities by providing support to nonprofits working in neighborhoods where our members live and work. The OneAZ Community Foundation uplifts the lives of Arizonans in need by awarding dozens of grants each year to local organizations across the state.

1 Where allowed by law and when financed by OneAZ Credit Union.

2 Reimbursement eligibility: If the Member suffers a loss during the benefit period which is covered by the Member’s auto insurance policy, the Member may be entitled to reimbursement of the auto insurance policy deductible amount up to five hundred dollars ($500) per loss (limit of two losses per year) when a loss is filed and paid by the auto insurance company for a covered auto the Member owns or leases evidenced by the title or registration, and insures under an auto insurance policy designating the Member as the name insured.

3 Loss means an event for which the auto insurance company has approved and paid a collision or comprehensive claim which exceeds the auto insurance policy deductible for the covered auto.

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