What are the current interest rates at OneAZ Credit Union?

Current rates for OneAZ Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.25%, 24-Month CD: 2.85%, 60-Month CD: 2.85%, Savings: 3.85%, MMA: 2.48%

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OneAZ Credit Union

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OneAZ Credit Union Rates & Review October 2026

Q: How many branches does OneAZ Credit Union operate?

OneAZ Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join OneAZ Credit Union?

Yes, to access services at OneAZ Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, OneAZ Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OneAZ Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

OneAZ Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 12-Month CD, 3.85% APY on savings, 2.48% APY on money market accounts, 0.10% APY on checking, and personal loans from 12.70% APR, according to rates verified by MonitorBankRates. Other OneAZ Credit Union CD rates include 6-Month CD at 3.50%, 18-Month CD at 3.25%, and 24 Month Promotional CD at 2.85%. MonitorBankRates evaluates the financial stability of OneAZ Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.17%. Rates last updated and verified on 10/09/2026.

OneAZ Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OneAZ Credit Union? Share your experience about OneAZ Credit Union by leaving a review below, or read customer reviews before you decide to use OneAZ Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

OneAZ Credit Union
CORPORATE HQ

2355 W PINNACLE PEAK RD
PHOENIX, AZ 85027-1261

https://www.oneazcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

OneAZ Credit Union CD Rates

Product	Rate	APY	Term
12-Month Certificate	-	3.50%	12-Month
Min Deposit $5,000 Details Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6-Month Certificate	-	3.50%	6-Month
Min Deposit $5,000 Details Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
18-Month Certificate	-	3.25%	18-Month
Min Deposit $5,000 Details Example rate for Share Certificate ladder strategy. APYs shown above are not the current certificate term rates and are used only as example. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
24 Month Promotional Share Certificate	-	2.85%	24-Month
Min Deposit $2,000 Details Limited Time Offer. Earn 2.85% APY when you move your money from an outside bank to a high-yield 24-month Share Certificate from OneAZ. Promotional APY is available for both consumer (excluding IRA's) and business accounts. Membership qualifications apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
36-Month Share Certificate	-	2.85%	36-Month
Min Deposit $2,000 Details This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
60-Month Share Certificate	-	2.85%	60-Month
Min Deposit $2,000 Details This is a fixed rate account. Minimum opening deposit of $2,000 required. You must make maintain a balance equal to the minimum balance required to obtain the disclosed APY Early withdrawal penalties may apply. Certificates will automatically renew at maturity. You will have a 10 day grace period to make deposits and withdrawals without penalty. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

OneAZ Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings Account	3.78%	3.85%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
High-Yield Savings Account	2.74%	3.85%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; APY range: 3.85% - 3.20% APY Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Propel Savings	-	3.85%
Min Deposit $100 Min Balance $0 Details Propel Savings is a variable tier rate savings account that pays the stated interest rate only on that portion of the account balance that falls within that specified tier to create a range rate. Rates are subject to change at any time, refer to the Fee Schedule for more information. $2 monthly fee waived if enrolled in eStatements. Limit one Propel Savings and YourSavings account per Tax ID number. Balance: $0.00 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
YourSavings Account	-	3.50%
Min Deposit $5 Min Balance $100 Details Earn 3.50% APY on your first $1,000. $2 monthly fee waived if enrolled in eStatements. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
High-Yield Savings Account	2.18%	3.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; APY range: 3.20% - 2.70% APY Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.09% → 3.20% ▲ 0.11 pts · high 3.20% / low 3.09% Oct 9, 20263.20%▲ from 3.09% Sep 14, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
High-Yield Savings Account	1.89%	2.70%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; APY range: 2.70% - 2.30% APY Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.64% → 2.70% ▲ 0.06 pts · high 2.70% / low 2.64% Oct 9, 20262.70%▲ from 2.64% Sep 14, 20262.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
High-Yield Savings Account	1.49%	2.30%
Min Balance $100,000 Details Balance: $100,000 & Greater; APY range: 2.30% - 1.58% APY Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.28% → 2.30% ▲ 0.02 pts · high 2.30% / low 2.28% Oct 9, 20262.30%▲ from 2.28% Sep 14, 20262.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Share Savings Account	-	0.10%
Min Deposit $5 Min Balance $50 Details Buys you a "share" of the credit union. Great to use for overdraft protection. Tap into online & mobile banking app. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

OneAZ Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account	-	2.48%
Min Deposit $1,000 Min Balance $1,000 Details Money market accounts are a tiered variable rate and subject to change at any time. In order to avoid the monthly maintenance fee (see Fee Schedule ), your account balance must be at least equal to $1,000 on the last calendar day of the month. Fees could reduce earnings. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.43% → 2.48% ▲ 0.05 pts · high 2.48% / low 2.43% Oct 9, 20262.48%▲ from 2.43% Sep 14, 20262.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

OneAZ Credit Union Checking Rates

Product	Rate	APY	View More
Benefits Checking	-	0.10%
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

OneAZ Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	12.70%	Up to 48 months
Details As Low As; Term of up to 48 months; with an APR of 12.70% and Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

OneAZ Credit Union’s Texas Ratio rose from 1.28% in Q3 2023 to 4.17% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.5B	4.17%	5.0	A+
March 31, 2026	$4.5B	3.58%	5.0	A+
December 31, 2025	$4.3B	2.08%	5.0	A+
September 30, 2025	$3.7B	1.85%	5.0	A+
June 30, 2025	$3.6B	1.94%	5.0	A+
March 31, 2025	$3.5B	6.03%	5.0	A
December 31, 2024	$3.4B	1.87%	5.0	A+
September 30, 2024	$3.4B	1.36%	5.0	A+
June 30, 2024	$3.3B	6.05%	5.0	A
March 31, 2024	$3.4B	6.31%	5.0	A
December 31, 2023	$3.4B	1.80%	5.0	A+
September 30, 2023	$3.4B	1.28%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for OneAZ Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather OneAZ Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with OneAZ Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name OneAZ Credit Union

Website https://www.oneazcu.com

Address 2355 W PINNACLE PEAK RD, PHOENIX, AZ 85027-1261

Phone 602-452-4800

Fax

President Georganna Meyer

CEO Michael Boden

Full-Time Employees 534

Part-Time Employees 59

Branch Locations 27

ATM Locations 25

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.17%

Return on Assets (ROA)

0.5813%

Return on Equity (ROE)

5.8913%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

4,476,326,478

Total Amount of Shares and Deposits

3,958,913,231

Total Shares and Deposits < 1 Year

3,915,401,487

Total Shares and Deposits 1 3 Years

37,141,656

Total Shares and Deposits > 3 Years

6,370,087

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

668,710,226

Total Uninsured Shares and Deposits > $250K (F+J)

668,710,226

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,290,203,005

Total Interest Expense (Sum of items 6 8)

30,653,810

Share Certificates

5,002

Number of Accounts for Share Drafts

166,521

IRA KEOGH Accounts

3,317

Number of Accounts for Regular Shares

328,020

All other shares

Money Market Shares

8,697

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

363,640,117

Total Liabilities

4,134,255,578

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

OneAZ Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About OneAZ Credit Union

How many branches does OneAZ Credit Union operate?

OneAZ Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join OneAZ Credit Union?

Yes, to access services at OneAZ Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, OneAZ Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, OneAZ Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does OneAZ Credit Union offer online and mobile banking?

Most modern institutions like OneAZ Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oneazcu.com.