OneAZ Credit Union

Overview / Commentary
2355 W Pinnacle Peak Rd
Phoenix, AZ 85027

OneAZ Credit Union is headquartered in PHOENIX and is the 2nd largest credit union in the state of Arizona. It is also the 127th largest credit union in the nation. It was established in 1972 and as of December of 2022, it had grown to 464 employees and 171,746 members at 21 locations. OneAZ Credit Union's savings rates are 8X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in OneAZ Credit Union is open to the following: (1) those who live or work in anywhere in Arizona; (2) faculty, students, staff and alumni of Arizona State University, Northern Arizona University, University of Arizona, Coconino Community College, or Holbrook School District; (3) employees of Allstate Insurance Company, State of Arizona, Federal Government in Arizona State Buildings, and other Select Employer Groups.
See current membership details

Oneaz Business Practices

Posted by: |

I have been a member of One AZ Credit Union for 6 years. I am very happy with this bank/credit union. To me it is a bank; I can do anything that one does in a bank but it is called a credit union. They have checking account for free. With the exception of the savings account. All you need is $5.00 to open it and that's it, but the checking account you don't need any money and or fees. You are not charge for using your debit catd either and they have online banking. You can download their app too. The staff from the branch locations and the customer call center are both very professional and helpful to its customers. I have gone overdraft a few times and they have forgiving me the overdraft fee, which is $35. I did not have to pay it. But ofcouse it depends on the situation and circumstances for them to override an overdraft fee. Over all I am highly satisfied with my credit union: One AZ Credit union.

One AZ Credit Union

Before we moved out of Arizona my husband and I banked with OneAZ credit union for about 8 years. One of my favorite things about them is that they do not charge you a fee to have a savings or a checking account with them. One thing I liked about them was that the website in particular was very clear and easy to use to do online bill pay and banking as well as research loan options and such. I also really liked the fast service that I would receive anytime I physically went to one of their locations. The building was always clean and every person I dealt with seems competent and well suited for their jobs. Their loan officers were willing and able to help assist me anytime I needed information about a home loan or refinancing a car loan. They were able to explain all of the requirements and the way the loans worked in everyday language to me so that I could understand all aspects of the loan. I felt confident with my financial decisions went they took the time to help me decide what was best for me. I also used their 'line of credit' or 'overdraft portection' which I really liked because if I ever forgot to transfer money from my savings to my checking the overdraft would kick in and keep my checks from bouncing. When I first started using this it was free as long as I repaid the borrowed money before it collected interest, but by the time we moved out of state they had begun charging I think five dollars each time it was used and I really didn't like that extra fee at all. The best thing about this bank was that they would call right away if they thought someone might be using my debit card and if it was infact being used by someone other than me they would freeze the card and refund my money with no questions asked and no unnecessary hassle. Over all I really like the bank and if I ever move back to AZ I would probably bank with them again.

12 years with OneAZ (formerly AZSTCU)

Posted by: |

I have been banking with One AZ Credit Union for twelve years, since I first met my husband. Overall, they are a pretty good credit union. I wish there were more locations closer to my home. The majority of the issues I've had with them have been online. It is very difficult to use their deposit-at-home service through their app or online. On at least three or four occasions, after successfully depositing a check or money order, they deducted the balance from my account in the morning, requiring me to go to the branch, show them the check, and deposit it in person. I think that completely defeats the purpose.
Other than that, the staff is generally friendly, but sometimes the wait is long, and half the time, only half of the tellers are calling up customers. If it wasn't such a hassle to move my accounts, I'd probably look elsewhere for banking.

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.



Health Grade Components

NCUA #61315
Year Chartered1972
Primary Regulator
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD21.77%
Annual Interest Income$85.3MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$3.27B$3.04B
LoansQ4 2022vs Q4 2021$1.89B$1.48B
DepositsQ4 2022vs Q4 2021$2.97B$2.80B
Equity CapitalQ4 2022vs Q4 2021$185.4MM$227.1MM
Loan Loss AllowanceQ4 2022vs Q4 2021$6.4MM$35.0MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$4.6MM$3.8MM
Real Estate OwnedQ4 2022vs Q4 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

OneAZ Credit Union Savings Account Rates

OTHER TIERS: 0.10% $1k+
4.00%*-$10kPropel Savings
OTHER TIERS: 3.02% $100k+ | 3.23% $50k - $100k | 3.35% $25k - $50k | 3.55% $10k - $25k
3.00%$50-Club Savings
3.00%*$50*-Business Club Savings
OTHER TIERS: 0.05% Up to $50
0.15%$50-IRA Savings
0.10%*$50*-Business Savings
OTHER TIERS: 0.05% Up to $50

OneAZ Credit Union Money Market Rates

1.18%*$100k*-Tiered Money Market Checking
OTHER TIERS: 0.30% $1k - $5k | 0.33% $5k - $10k | 0.37% $10k - $25k | 0.44% $25k - $50k | 0.59% $50k - $100k
1.18%*$100k*-Tiered Money Market Savings
OTHER TIERS: 0.30% $1k - $5k | 0.33% $5k - $10k | 0.37% $10k - $25k | 0.44% $25k - $50k | 0.59% $50k - $100k
1.18%*$100k*-Business Tiered Money Market
OTHER TIERS: 0.30% $1k - $5k | 0.33% $5k - $10k | 0.37% $10k - $25k | 0.44% $25k - $50k | 0.59% $50k - $100k
1.00%*$75k*-Star High Yield Money Market
OTHER TIERS: 0.10% Up to $75k
1.00%*$75k*-Business Star High Yield Money Market
OTHER TIERS: 0.10% Up to $75k
0.50%*$25k*-SaversAdvantage Yield Money Market
OTHER TIERS: 0.10% Up to $25k
0.50%*$25k*-Business SaversAdvantage Money Market
OTHER TIERS: 0.10% Up to $25k

OneAZ Credit Union Checking Account Rates

0.30%*$50k*-Premium Checking
OTHER TIERS: 0.05% Up to $1k | 0.10% $1k - $25k | 0.20% $25k - $50k
0.30%*$250k*-Business Premium Checking
OTHER TIERS: 0.05% Up to $2.5k | 0.15% $2.5k - $10k | 0.20% $10k - $25k | 0.22% $25k - $50k | 0.25% $50k - $100k | 0.27% $100k - $250k
0.20%*$1k*-Benefits Checking
OTHER TIERS: 0.05% Up to $1k
0.10%*$5k*-Business Checking
OTHER TIERS: 0.05% Up to $5k

OneAZ Credit Union CD Rates

2.75%$2k-60 Month Share Certificate
2.75%$2k-Business 60 Month Share Certificate
2.60%$2k-48 Month Share Certificate
2.60%$2k-Business 48 Month Share Certificate
2.50%$2k-36 Month Share Certificate
2.50%$2k-Business 36 Month Share Certificate
2.40%$2k-30 Month Share Certificate
2.40%$2k-Business 30 Month Share Certificate
2.30%$2k-24 Month Share Certificate
2.30%$2k-Business 24 Month Share Certificate
2.20%$2k-18 Month Share Certificate
2.20%$2k-Business 18 Month Share Certificate
2.00%$2k-12 Month Share Certificate
2.00%$2k-Business 12 Month Share Certificate
1.75%$2k-6 Month Share Certificate
1.75%$2k-Business 6 Month Share Certificate
0.70%$2k-3 Month Share Certificate
0.70%$2k-Business 3 Month Share Certificate

OneAZ Credit Union IRA Rates

2.75%$2k-60 Month IRA Share Certificate
2.60%$2k-48 Month IRA Share Certificate
2.50%$2k-36 Month IRA Share Certificate
2.40%$2k-30 Month IRA Share Certificate
2.30%$2k-24 Month IRA Share Certificate
2.20%$2k-18 Month IRA Share Certificate
2.00%$2k-12 Month IRA Share Certificate
1.75%$2k-6 Month IRA Share Certificate
0.70%$2k-3 Month IRA Share Certificate


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