OneAZ Credit Union is headquartered in PHOENIX and is the 3rd largest credit union in the state of Arizona. It is also the 138th largest credit union in the nation. It was established in 1972 and as of December of 2024, it had grown to 458 employees and 200,076 members at 21 locations. OneAZ Credit Union's savings rates are 10X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership in OneAZ Credit Union is open to those who live, work, worship, attend school, or volunteer anywhere in Arizona. Immediate family members and anyone referred by a OneAZ Credit Union member are also eligible to join.
See current membership details
Terrible Experience - Go With Someone Else.
There are good credit unions and bad ones. OneAZ is one of the bad ones. They hold funds beyond disclosure periods, take extreme measures when holding checks, nd blatently ask where a check is from and what it was for, even if it is none of their business. They would routinely ask where my checks were from and what they were for. After awhile, I frankly said to the branch person that is none of your business. The person then would get snippy with me and after that, they would hold my funds for 10 days. I even talked to their 'fraud dept' is what they call themselves. Fraud Department was more invasive. Look at other people also having funds held unecessarily. Rude employees all around.
Home Equity Loan
I opened up a checking and savings account in Flagstaff location on 2/18/22 and received excellent service form Eric Wong. I have moved most of my money from Bank of America because I wanted to work with a smaller, local bank. I applied for a home equity loan at the Happy Valley branch on 2/22/22. I have top tier credit. I was told that It would take 6-8 weeks to process loan. As of today it has been 8 weeks with no end in sight... During the waiting period, I have received poor service and communication for the banking representatives. I was assigned to a new employee, who knows very little about loans and rarely has answers for basic questions. All of the information that I wrote down on my application was apparently ignored because after a month went by, they asked me the same questions. I have requested to speak to the bank supervisor several different times and have never got a call back from them. I have called the corporate office and request to speak to a supervisor and they promise to call me back, but I have never gotten a call back, Today I called my local representative, Natalia, and she said that a supervisor would call me back and no one has called me. I as usual. I am so frustrated with this banks slow and poor service that I will close my account and apply for a loan with Bank of America instead.
Money First, Customers Second
I have been been with OneAZ for a few years now. We even took out a home equity loan. When payoff came about as we are refinancing our home, there was a late fee. This happened when I opened the loan about 4 years ago. I never received a notice or phone call that the first payment was due. Finally I received something about a late fee. I called and their representative inferred it was for 1 or 2 months. We talked and I was told it would be taken care of. Now I find out it was for 5 months! During the 5 months I did not receive a single phone call or letter about it, not 1! And I was told this was taken care of. Since that time not a single late payment, ever! The fee is $41.00, but it is not the money, it is the principal. They were charging a late fee every month and not even a curtesy call, nothing. They wanted to keep charging late fees so they could get more money. Forget the customer, bring us the money! I will be pulling all my money from there.
Data as of Q4 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61315 |
| Year Chartered | 1972 |
| Employees | 458 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.96% |
| Return on Equity - YTD | 12.16% |
| Annual Interest Income | $159.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $3.4B$3.38B |
| Loans | Q4 2024vs Q4 2023 | $2.35B$2.14B |
| Deposits | Q4 2024vs Q4 2023 | $3.03B$2.96B |
| Equity Capital | Q4 2024vs Q4 2023 | $266.5MM$220.6MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $22.6MM$19.9MM |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $6.5MM$5.7MM |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |
