How Instant Offers Works


Answer pre-qualification questions.


Review your credit limit or loan amount offers.


Accept the offer and complete your application.

Instant Offers for Instant Gratification

See if you pre-qualify in an instant for a OneAZ loan.

See Offers

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Auto Loan

  • No payments for 90 days1
  • Rate includes a 0.25% discount for having a Benefits Checking account
  • Free CARFAX report upon request with application submission

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Credit Card

  • No annual fees
  • Choose from cards that offer rewards, cash back and more
  • Choice Rewards offer 0% APR1

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Personal Loan

  • Personal Line of Credit Loan amounts up to $30,000
  • Signature Loan: Up to $2,500 maximum credit limit
  • Share Certificate Secured Loan for just 3.00% over your dividend rate1

Why Choose OneAZ?

At OneAZ, our mission is to truly improve the lives of our members, our associates and the communities we serve. By becoming a member, you’re joining a credit union that cares about your future – we are here to help you achieve your financial goals. We put you first by providing you with competitive rates, low fees and the personalized service you deserve.

  • You’re a Member, not a number. Your membership is your ownership stake in OneAZ Credit Union. That means we’re accountable to you, not investors or stockholders. You have a voice in how your credit union operates and get to vote for our Board of Directors.
  • Our profits are your savings. As a not-for-profit, we return our earnings to you in the form of lower interest rates, lower fees and better banking technology. Our team only cares about providing you with products and services that will benefit your financial well-being.
  • We keep it local. Banking at a local credit union like OneAZ keeps your money in Arizona. We’re committed to strengthening Arizona’s economy by providing affordable home and auto loans, empowering local entrepreneurs and small businesses, and supporting our members as they achieve their financial goals.
  • We invest in your community. We build stronger communities by providing support to nonprofits working in neighborhoods where our members live and work. The OneAZ Community Foundation uplifts the lives of Arizonans in need by awarding dozens of grants each year to local organizations across the state.

Rates as of June 1, 2024.


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