Oneaz Credit Union
Headquarters
2355 W Pinnacle Peak Rd
Phoenix, AZ 85027
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2024 Overview
General Credit Union Information
Oneaz is an NCUA insured institution located in Phoenix, AZ. It was founded in 1972 and has approximately $3384.6 millions in assets.
Who can join?
To become a member of Arizona State Credit Union, you must belong to one of the groups listed below and open a savings account with a minimum deposit of $5. Your deposit represents your ownership in Arizona State Credit Union.
Residents of/work in:
Coconino County
Cochise County
Graham County
Greenlee County
Maricopa County
Navajo County
Northern Gila County (Payson, Strawberry & Pine)
Pima County
Yavapai County
Immediate family of current members
Employees of:
State of Arizona
Retired State of Arizona Employees
State Deferred Compensation Plan
American Express
John H. Harland Company
Payment Systems for Credit Unions (PSCU)
Faculty, Staff, Students & Alumni:
Arizona State University
Coconino Community College
Northern Arizona University
University of Arizona
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61315 |
| Date Established | 1972 |
| Assets | $3,384.60 million |
| Loans | $2,141.26 million |
| Deposits | $2,961.07 million |
| Capital | $298.03 million |
Field of Membership Restrictions
Membership in OneAZ Credit Union is open to the following: (1) those who live or work in Apache, Cochise, Coconino, Gila, Graham, Greenlee, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Santa Cruz, Yavapai, or Yuma Counties 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.
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Oneaz
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
NMLS ID: 1907 |
Learn More | |||||
NMLS ID: 491986 |
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NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Oneaz
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Branches
Below are Oneaz branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
ONEAZ is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Oneaz Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Oneaz. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Oneaz | U.S. Average |
|---|---|
| 2.38% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Oneaz had $7,013,415 in non-current loans and $229,453 in owned assets. To cover these potential losses it had $298,031,272 in net worth and $6,446,347 in loans loss reserves. That gives it a Texas Ratio of 2.38%.
Net Worth
| Oneaz | U.S. Average |
|---|---|
| 8.84% | 13.62% |
Oneaz FCU has a net worth of 8.84% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Oneaz
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