Oneaz Credit Union

Phoenix, Arizona
Last verified: August 4, 2026
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Verified rate book

Current Oneaz Credit Union rates

44 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

20 offers
Oneaz Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
48-Month New Auto Loanauto_new_48mo4.950% APR4.950%48 mo · newStandard
48-Month Used Auto Loanauto_used_48mo4.950% APR4.950%48 mo · usedStandard
60-Month Used Auto Loanauto_used_60mo5.150% APR5.150%60 mo · usedStandard
60-Month New Auto Loanauto_new_60mo5.150% APR5.150%60 mo · newStandard
New Auto* ($15,000 Minimum)auto_new_72mo5.450% APR5.450%72 mo · newStandard
Used Auto ($15,000 Minimum)auto_used_72mo5.450% APR5.450%72 mo · usedStandard
Used Auto ($20,000 Minimum)auto_used_84mo5.950% APR5.950%84 mo · usedStandard
New Auto* ($20,000 Minimum)auto_new_84mo5.950% APR5.950%84 mo · newStandard
New Power Sports*powersports_new_60mo6.450% APR6.450%60 mo · newStandard
Used Power Sportspowersports_used_60mo6.950% APR6.950%60 mo · usedStandard
New Power Sports* ($12,000 Minimum)powersports_new_72mo6.950% APR6.950%72 mo · newStandard
New Power Sports* ($20,000 Minimum)powersports_new_84mo7.450% APR7.450%84 mo · newStandard
New RV & Boat*rv_new_60mo7.450% APR7.450%60 mo · newStandard
New RV & Boat* ($10,000 Minimum)rv_new_120mo7.950% APR7.950%120 mo · newStandard
Used RV & Boatrv_used_60mo8.200% APR8.200%60 mo · usedStandard
New RV & Boat* ($25,000 - $74,999.99)rv_new_180mo8.450% APR8.450%180 mo · newStandard
Used RV & Boat ($10,000 Minimum)rv_used_120mo8.700% APR8.700%120 mo · usedStandard
Used RV & Boat ($25,000 - $74,999.99)rv_used_180mo9.200% APR9.200%180 mo · usedStandard
New RV & Boat* ($75,000 & Greater)rv_new_180mo9.450% APR9.450%180 mo · newStandard
Used RV & Boat ($75,000 & Greater)rv_used_180mo10.200% APR10.200%180 mo · usedStandard

HELOC rates

4 offers
Oneaz Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loan (Fixed)heloc_fixed6.126% APR6.126%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed6.317% APR6.317%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed6.548% APR6.548%—Standard
HELOC (Variable)heloc_variable7.000% APR7.000%—Standard

Personal loan rates

2 offers
Oneaz Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured10.500% APR10.500%—Standard
Personal Line of Creditploc_variable17.490% APR17.490%—Standard

Savings & CD rates

18 offers
Oneaz Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Propel ($100,000 & Greater)savings2.28% APY2.28%—Standard
3-Month Certificatecd_3mo2.40% APY2.40%3 moStandard
Propel ($50,000 - $99,999.99)savings2.64% APY2.64%—Standard
6-Month Certificatecd_6mo2.75% APY2.75%6 moStandard
12-Month Certificatecd_12mo2.75% APY2.75%12 moStandard
18-Month Certificatecd_18mo2.75% APY2.75%18 moStandard
36-Month Certificateshare_certificate_36mo2.85% APY2.85%36 moStandard
30-Month Certificatecd_30mo2.85% APY2.85%30 moStandard
36-Month Certificatecd_36mo2.85% APY2.85%36 moStandard
60-Month Certificateshare_certificate_60mo2.85% APY2.85%60 moStandard
48-Month Certificatecd_48mo2.85% APY2.85%48 moStandard
60-Month Certificatecd_60mo2.85% APY2.85%60 moStandard
24-Month Certificatecd_24mo2.85% APY2.85%24 moStandard
Propel ($25,000 - $49,999.99)savings3.09% APY3.09%—Standard
Your Savings ($1,000.01 & Greater)savings3.50% APY3.50%—Standard
Your Savings ($0.01 - $1,000.00)savings3.50% APY3.50%—Standard
Propel ($10,000 - $24,999.99)savings3.75% APY3.75%—Standard
Propel ($0.01 - $9,999.99)savings3.75% APY3.75%—Standard

Vehicle loans available from 4.95% APR for 48 months. HELOC rates from 6.126% APR. Personal loan rates from 10.5% APR. Savings and certificate yields up to 3.75% APY.

Source: RateAPI.dev, verified from Oneaz Credit Union's official website

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About Oneaz Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
237.7K
Assets
$4.5B
Founded
1972
Locations reported
27
NCUA charter
61315
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

AeroDeer Valley Branch · Phoenix · AZ · 85027Branch in the same ZIPArizona FinancialDeer Valley Branch · Phoenix · AZ · 85027-3151Branch in the same ZIPArizona CentralIron Mountain · Phoenix · AZ · 85023About 3.0 miles awayCopper StateBell · Phoenix · AZ · 85023About 3.0 miles awayDesert FinancialUnion Hills · Phoenix · AZ · 85024About 3.4 miles awayVantage PointVITAL RECORDS CENTER · PHOENIX · AZ · 85024-1687About 3.4 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Oneaz Credit Union

Membership eligibility from Oneaz Credit Union's own published criteria. How we verify this.

Community charter: live/work in AZ

  • LocationAZ

Cost to join: About $5.

Verified from Oneaz Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Oneaz Credit Union?

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Frequently Asked Questions

What rates does Oneaz Credit Union offer?

Oneaz Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Oneaz Credit Union rates updated?

RateAPI verifies Oneaz Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Oneaz Credit Union's rate data?

Rate data is collected directly from Oneaz Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Oneaz Credit Union's auto, rv & powersports loan rates?

As of August 4, 2026, Oneaz Credit Union offers vehicle loans from 4.95% APR.

What is Oneaz Credit Union's HELOC rate?

As of August 4, 2026, Oneaz Credit Union offers home equity lines of credit from 6.126% APR.

What is Oneaz Credit Union's personal loan rate?

As of August 4, 2026, Oneaz Credit Union offers personal loans from 10.5% APR.

What is Oneaz Credit Union's best CD rate?

As of August 4, 2026, Oneaz Credit Union offers savings and certificate (CD) yields up to 3.75% APY.

Related Rate Data

Compare Oneaz Credit Union's rates against national credit-union benchmarks.

More Arizona credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Oneaz Credit Union
curl "https://api.rateapi.dev/credit-unions/arizona/oneaz" \
  -H "Authorization: Bearer YOUR_API_KEY"
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