Your OneAZ Home Equity Line of Credit.

Home Equity Line of Credit (HELOC)

What’s next?

Here’s everything you need to know about your new HELOC:

  • Your HELOC checks will be delivered by mail in 1-2 weeks
  • Sign into Online Banking to access your account – click here for a quick guide
  • Download the myOneAZcu Mobile Banking app so you can access your accounts and set up payments—all without leaving your living room!

Mobile Banking

Many transactions can be done on the myOneAZcu mobile banking app, including mobile check deposit.

Download it for free in the Apple App Store or Google Play Store.1

  • Check Balances
  • Transfer Money
  • Pay Bills
  • Deposit Checks

myOneAZcu mobile app with FaceID login

Online Banking

Learn how to set up online and mobile banking.

You can select the type of statements that you would like to receive when you login to Online Banking. Once you’re in, select Statements in the navigation bar. Next, select Settings.

Select Resume to enroll in the type of statement you would prefer to receive. Select Discontinue to unenroll in a type of statement that you’re currently receiving. Once you have made your selections, select Submit.

The best place to find this information is on your monthly statement. If you’re enrolled in Online Banking, you may elect to receive eStatements or paper statements.

Your HELOC information will be shown below your OneAZ Savings and Checking account information on your statement. The HELOC section of your statement will provide such information as the payment due date and amount due.

For more information related to your monthly HELOC payments and options, contact our Member Care Center at 844.663.2928.

To view the funds in your HELOC account, login to Online Banking or the Mobile App. You can also call our Telephone Banking service to obtain your current balance.

Use the checks that come with your HELOC account to use your funds. You may also transfer your HELOC funds to another OneAZ Savings or Checking account.

Our branch associates can also help you with cash withdrawals from your HELOC account.

Here are a few ways to make a payment on your OneAZ loan:

  • Online Banking: Once you have logged in to Online Banking, select Transfer Funds then select Loan Payment. On the Loan Payment screen, you can 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.
  • Mobile App: To pay from a OneAZ account on the Mobile App, select Transfers and choose the account you would like to pay from. To pay your loan using a non-OneAZ checking account, savings account or debit card, select More, then choose Loan Payment. On the Loan Payment screen, you can enter your payment details and select from one-time, recurring or ‘schedule a payment’ options. Payments may take up to three business days to post.
  • In-person: Visit us at your local OneAZ branch and work with a teller to make your payment.
  • Telephone Banking: Call 844.663.2928 to use our automated payment service. There may be a fee associated with this service.
  • 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.

Your HELOC cannot be linked to other OneAZ accounts as an overdraft protection source. We recommend using a OneAZ checking account or non-home-equity line of credit as an overdraft protection source.

To update the insurance information OneAZ has on file, please contact our Mortgage Loan Servicing team at 800.453.0195.

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 eTeam or make an appointment at your local OneAZ branch today.

Live Chat

Live Chat

To chat, log in to Online Banking and click Chat Now.

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Find a Branch


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What Does it Mean to be a OneAZ Member?

Glad you asked! As a OneAZ member, you’re putting your money—and your trust—in an organization that offers personalized service, competitive loan rates and a community focus. We’ve been helping Arizonans like you reach their financial goals since 1951, and we’re ready to work with you, too. After all, together, Arizona moves forward.

  • You own a share. As a member, you own a share in OneAZ Credit Union—that means we answer to you, not stockholders. Plus, you have a say in who serves on our Board of Directors, who make decisions in members’ best interests.
  • You’re giving back to the community. The OneAZ Community Foundation, funded by OneAZ Credit Union members, has given over $1.5 million to nonprofits and community members.
  • You benefit from profits. We’re not-for-profit, so our earnings are returned to members in the form of better rates, lower fees and technology that makes it easier for you to manage your money.
  • You are part of our mission. OneAZ’s mission is about improving the lives of our members, associates and the communities we serve. For membership eligibility, click here.

1 Data rates apply