OneAZ Credit Union

Overview / Commentary
2355 W Pinnacle Peak Rd
Phoenix, AZ 85027-1280

OneAZ Credit Union is headquartered in PHOENIX and is the 2nd largest credit union in the state of Arizona. It is also the 132nd largest credit union in the nation. It was established in 1972 and as of June of 2020, it had grown to 428 employees and 144,558 members at 21 locations. OneAZ Credit Union 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.
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Reviews (7)

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.

Great service

I have had a checking account, and savings account, with this credit union for more than 20 years. I don't really use online services very often for this bank, I'm kind of old, and I haven't ever really gotten into that. However, I go to the actual bank a great deal. I have always had good service from this credit union. The staff is friendly, knowledgeable, and competent every time I have interacted with them. I have never had an issue, getting into my account for whatever reasons. There's never been any hidden charges on anything, so I always know exactly what the fees are going to be. It really has been a pleasant experience banking with this great credit union. I have no problem recommending this institution to anyone.

Description of experience with One AZ Credit Union

I have been banking with One AZ Credit Union (formerly Arizona State Credit Union) for about 10 years. My husband and I chose to start a joint bank account with One AZ because they have a small branch located on Arizona State University campus and we were both employed there at the time. We wanted to join a bank (or credit union) that was not one of the big banks because we had both had very bad experiences with them (Chase, Wells Fargo, and Bank of America). At this point, we have a checking account, two savings accounts, a home equity line of credit, and an auto loan with the credit union.
As far as customer service goes, I have always had a great experience with the individuals that I have interacted with both at the branch locations and over the phone, but I did not give customer service an above average rating due to accessibility. There are only two branch locations in my area, one of which is on the university campus and has limited services. The full service branch does not have extended hours at all, so if I need to stop by the full service branch, I have to leave work early to do so. Also, the one ATM that is outside the full service branch is often out of order, so there have been times on the weekend that I had to get cash back at a store rather than get it from the ATM and once I tried to deposit a check at the ATM and it took my check without completing the deposit, so I ended up having to go into the branch anyway. Thankfully, this happened during business hours, but now I won't use the ATM for deposits at all because I don't trust it.
As far as their website usability is concerned, I have no complaints at all. The site is easy to navigate and displays all the information I need. We have direct deposit and making transfers between accounts is easy and quick. We have money automatically rolled from checking to savings each month to help get our savings balance up and we have overdraft protection tied to our savings account so that we do not pay a high fee if the protection is used (I think it is $5 when used). I do wish that the interest we earn on the savings account were higher, but I understand that rates are just generally low right now.
Overall, I am very satisfied with my experience with One AZ Credit Union and have no plans to change to a different institution.

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.

They Will Steal Your Money

This institution will steal your money by hitting you with overdraft fees and charges. At 11:58pm I checked the mobile app. It said I have money available, so I bought some food. The next day they had backdated a charge, so I didn't have any money, and a charge of $8 was hit with a $35 fee. Because of this fee, when I made a deposit and other charges, my calculations were way off and I was hit with several fees. My account was negative $144 by the end.
And all this is with overdraft protection. My account shouldn't go overdrawn, but because of back dating charges I was hit with many.
This credit union is not for normal people who live paycheck to paycheck. This credit union is for people who can have an extra $1500 in each account. Well I don't and I will not pay to run this establishment. I can't afford it!

One Az Credit Union Disappointed

Posted by: |

I have been banking with one Az for over 16 years and they were great. But within the last 2 years I noticed the new bank personel do not know how to do their job correctly. And ceo's in Phoenix corporate are not knowelageable or effeciant anymore what would once take less then a week now takes about 3 months they keep losing paperwork or apologize for forgetting about it or going or going on a 3 week vacation without getting things done before they . So disappointed they used to be totally awesome ,not any more. I am changing banks

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. OneAZ Credit Union has a negative return on assets.

Health Grade Components

NCUA #61315
Year Chartered1972
Primary Regulator
Profit Margin
Return on Assets - YTD-3.41%
Return on Equity - YTD-40.81%
Annual Interest Income$37.4MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$2.42B$2.16B
LoansQ2 2020vs Q2 2019$1.35B$1.44B
DepositsQ2 2020vs Q2 2019$2.14B$1.80B
Equity CapitalQ2 2020vs Q2 2019$198.3MM$217.9MM
Loan Loss AllowanceQ2 2020vs Q2 2019$56.2MM$12.7MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$6.6MM$6.6MM
Real Estate OwnedQ2 2020vs Q2 2019$45.00K$3.5MM
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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: 0.05% $1k+
0.15%$50-IRA Savings
0.05%$50-Club Savings
0.05%$50-Business Club Savings
0.05%$50-Business Savings

OneAZ Credit Union Money Market Rates

0.30%*$75k*-Business Star High Yield Money Market
OTHER TIERS: 0.05% Up to $75k
0.30%*$100k*-Business Tiered Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.25%*$100k*-Tiered Money Market Checking
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.25%*$100k*-Tiered Money Market Savings
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.20%*$75k*-Star High Yield Money Market
OTHER TIERS: 0.05% Up to $75k
0.20%*$25k*-Business SaversAdvantage Money Market
OTHER TIERS: 0.05% Up to $25k
0.15%*$25k*-SaversAdvantage Yield Money Market
OTHER TIERS: 0.05% Up to $25k

OneAZ Credit Union Checking Account Rates

0.10%*$50k*-Premium Checking
OTHER TIERS: 0.05% $1k - $25k | 0.08% $25k - $50k
0.05%$1k-Arizona Checking

OneAZ Credit Union CD Rates

0.70%$2k-60 Month Share Certificate
0.70%$2k-Business 60 Month Share Certificate
0.60%$2k-48 Month Share Certificate
0.60%$2k-Business 48 Month Share Certificate
0.55%$2k-36 Month Share Certificate
0.55%$2k-Business 36 Month Share Certificate
0.50%$2k-30 Month Share Certificate
0.50%$2k-Business 30 Month Share Certificate
0.45%$2k-24 Month Share Certificate
0.45%$2k-Business 24 Month Share Certificate
0.40%$2k-18 Month Share Certificate
0.40%$2k-Business 18 Month Share Certificate
0.35%$2k-12 Month Share Certificate
0.35%$2k-Business 12 Month Share Certificate
0.25%$2k-6 Month Share Certificate
0.25%$2k-Business 6 Month Share Certificate
0.10%$2k-3 Month Share Certificate
0.10%$2k-Business 3 Month Share Certificate

OneAZ Credit Union IRA Rates

0.70%$2k-60 Month IRA Share Certificate
0.60%$2k-48 Month IRA Share Certificate
0.55%$2k-36 Month IRA Share Certificate
0.50%$2k-30 Month IRA Share Certificate
0.45%$2k-24 Month IRA Share Certificate
0.40%$2k-18 Month IRA Share Certificate
0.35%$2k-12 Month IRA Share Certificate
0.25%$2k-6 Month IRA Share Certificate
0.10%$2k-3 Month IRA Share Certificate


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