--- title: "Oneaz Credit Union Rates (Nov 2026): CDs to 2.85%" description: "Oneaz Credit Union rates today: savings & CDs up to 2.85% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Oneaz Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/arizona/oneaz" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Oneaz Credit Union Rates (Nov 2026): CDs to 2.85% ### Auto & vehicle rates 20 offers | Product | Published | Rate | Term / condition | Status | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 4.950% | 48 mo · used | Standard | | **48-Month New Auto Loan** auto_new_48mo | — APR | 4.950% | 48 mo · new | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 5.150% | 60 mo · used | Standard | | **60-Month New Auto Loan** auto_new_60mo | — APR | 5.150% | 60 mo · new | Standard | | **New Auto* ($15,000 Minimum)** auto_new_72mo | — APR | 5.450% | 72 mo · new | Standard | | **Used Auto ($15,000 Minimum)** auto_used_72mo | — APR | 5.450% | 72 mo · used | Standard | | **New Auto* ($20,000 Minimum)** auto_new_84mo | — APR | 5.950% | 84 mo · new | Standard | | **Used Auto ($20,000 Minimum)** auto_used_84mo | — APR | 5.950% | 84 mo · used | Standard | | **New Power Sports*** powersports_new_60mo | — APR | 6.450% | 60 mo · new | Standard | | **Used Power Sports** powersports_used_60mo | — APR | 6.950% | 60 mo · used | Standard | | **New Power Sports* ($12,000 Minimum)** powersports_new_72mo | — APR | 6.950% | 72 mo · new | Standard | | **New RV & Boat*** rv_new_60mo | — APR | 7.450% | 60 mo · new | Standard | | **New Power Sports* ($20,000 Minimum)** powersports_new_84mo | — APR | 7.450% | 84 mo · new | Standard | | **New RV & Boat* ($10,000 Minimum)** rv_new_120mo | — APR | 7.950% | 120 mo · new | Standard | | **Used RV & Boat** rv_used_60mo | — APR | 8.200% | 60 mo · used | Standard | | **New RV & Boat* ($25,000 - $74,999.99)** rv_new_180mo | — APR | 8.450% | 180 mo · new | Standard | | **Used RV & Boat ($10,000 Minimum)** rv_used_120mo | — APR | 8.700% | 120 mo · used | Standard | | **Used RV & Boat ($25,000 - $74,999.99)** rv_used_180mo | — APR | 9.200% | 180 mo · used | Standard | | **New RV & Boat* ($75,000 & Greater)** rv_new_180mo | — APR | 9.450% | 180 mo · new | Standard | | **Used RV & Boat ($75,000 & Greater)** rv_used_180mo | — APR | 10.200% | 180 mo · used | Standard | Oneaz Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.388% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.574% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 6.750% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.803% | — | Standard | Oneaz Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 12.700% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 17.490% | — | Standard | Oneaz Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Propel ($100,000 & Greater)** savings | — APY | 2.31% | — | Standard | | **3-Month Certificate** share_certificate_3mo | — APY | 2.40% | 3 mo | Standard | | **Propel ($50,000 - $99,999.99)** savings | — APY | 2.70% | — | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 2.75% | 18 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 2.75% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 2.75% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 2.85% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 2.85% APY | 2.85% | 36 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 2.85% | 60 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 2.85% | 48 mo | Standard | | **30-Month Certificate** share_certificate_30mo | — APY | 2.85% | 30 mo | Standard | | **Propel ($25,000 - $49,999.99)** savings | — APY | 3.21% | — | Standard | | **Your Savings ($0.01 - $1,000.00)** savings | — APY | 3.50% | — | Standard | | **Your Savings ($1,000.01 & Greater)** savings | — APY | 3.50% | — | Standard | | **Propel ($10,000 - $24,999.99)** savings | — APY | 3.85% | — | Standard | | **Propel ($0.01 - $9,999.99)** savings | — APY | 3.85% | — | Standard | Oneaz Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 2.85% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/arizona/oneaz) , verified from [Oneaz Credit Union's official website](https://www.oneazcu.com/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Aero** Deer Valley Branch · Phoenix · AZ · 85027 About 0.2 miles away](https://rateapi.dev/credit-unions/arizona/aero) [**Arizona Financial** Deer Valley Branch · Phoenix · AZ · 85027-3151 About 0.8 miles away](https://rateapi.dev/credit-unions/arizona/arizona-financial) [**Vantage Point** VITAL RECORDS CENTER · PHOENIX · AZ · 85024-1687 About 2.3 miles away](https://rateapi.dev/credit-unions/virginia/vantage-point) [**Desert Financial** Happy Valley Wal-Mart · Phoenix · AZ · 85085-3712 About 2.5 miles away](https://rateapi.dev/credit-unions/arizona/desert-financial) [**Copper State** Bell · Phoenix · AZ · 85023 About 2.6 miles away](https://rateapi.dev/credit-unions/arizona/copper-state) [**Arizona Central** Iron Mountain · Phoenix · AZ · 85023 About 2.9 miles away](https://rateapi.dev/credit-unions/arizona/arizona-central) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Oneaz Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Oneaz Credit Union's membership page](https://www.oneazcu.com/about/about-us/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Oneaz Credit Union Associations · Family 2 3 published paths to membership, last verified August 22, 2026, quoted from Oneaz Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Member of OneAZ Credit Union “Any person sponsored or referred by an existing OneAZ Credit Union member is eligible” > [source ↗](https://www.oneazcu.com/about/about-us/membership/) - Member of OneAZ Credit Union ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member spouse, child, parent, sibling, grandparent, grandchild, foster child, adopted child “Immediate family of a current member including persons related by blood or marriage and foster and adopted children” > [source ↗](https://www.oneazcu.com/about/about-us/membership/) - Family member (spouse, child, parent, sibling, grandparent, grandchild, foster child, adopted child) of a member - Family of a member former spouse, child, immediate family “Former spouses, surviving children, and immediate family of deceased members” > [source ↗](https://www.oneazcu.com/about/about-us/membership/) - Family member (former spouse, child, immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Oneaz Credit Union? Yes No ## Work at Oneaz Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Oneaz Credit Union ranks against Arizona peers. - See which AI assistants fetched Oneaz Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Arizona - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=oneaz&state=arizona&code=AZ&name=Oneaz%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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 is Oneaz Credit Union's best CD rate? As of November 12, 2026, Oneaz Credit Union offers savings and certificate (CD) yields up to 2.85% APY. ### Who can join Oneaz Credit Union? Oneaz Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 association for Oneaz Credit Union, each quoted from Oneaz Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Oneaz Credit Union's rates against national credit-union benchmarks. [More Arizona credit unions](https://rateapi.dev/credit-unions/arizona) [Arizona auto loan rate leaders](https://rateapi.dev/auto-loan-rates/arizona) [Arizona HELOC rate leaders](https://rateapi.dev/heloc-rates/arizona) [Arizona personal loan leaders](https://rateapi.dev/personal-loan-rates/arizona) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.oneazcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Oneaz Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Arizona credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Oneaz Credit Union curl "https://api.rateapi.dev/credit-unions/arizona /oneaz " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Oneaz Credit Union locations Search, filter, and browse all 27 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/arizona/oneaz Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp