Credit union · NCUA insured
OneAZ Credit Union
Top CarrotA $4.5B credit union, the 107th largest of 4,329, headquartered in Phoenix, AZ, with 237,714 members and 27 branches in Arizona. Best rates: CDs 2.85% and savings 1.51% APY.
OneAZ Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#19 of 60 in Phoenix, AZ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About OneAZ Credit Union
OneAZ Credit Union has served members for 75 years.
Members gain ownership in the credit union upon opening a Share Savings account.
- Headquarters
- 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027-1261
- NCUA charter
- 61315
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Arizona are eligible for membership.
- Persons under contract to purchase real estate property in Arizona who will reside in the home at least part time qualify for membership.
Employers and groups
- Organizations comprised primarily of eligible individuals or corporations whose majority of stockholders are eligible qualify to join.
Military, government and schools
- Individuals who attend school in Arizona are eligible for membership.
Family and household
- Former spouses, surviving children, and immediate family of deceased members are eligible for membership.
- Immediate family of a current member, including persons related by blood or marriage as well as foster and adopted children, are eligible for membership.
5 more ways to join
Other ways
- Persons under contract to purchase real estate property for business purposes in counties served who are majority owners actively managing the business qualify for membership.
- People and organizations sponsored by existing members are eligible for membership.
- Any person sponsored or referred by an existing OneAZ Credit Union member is eligible for membership.
- Individuals who volunteer in Arizona are eligible for membership.
- Individuals who worship in Arizona are eligible for membership.
Cost to join
- Membership requires opening a $5 Share Savings account to establish membership and ownership.
Branches
27 branches in Arizona
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Arizona
27 branches
Phoenix area · 9
- Corporate HqMain office2355 W Pinnacle Peak Rd, Phoenix, AZ 85027Directions
- Gilbert2277 W Guadalupe Rd, Gilbert, AZ 85233Directions
- Gilbert - Queen Creek3349 E Queen Creek Rd, Gilbert, AZ 85297Directions
- Asu West4701 W Thunderbird Rd., Glendale, AZ 85306Directions
- Glendale8285 W Union Hills Dr Ste 106, Glendale, AZ 85308Directions
- Happy Valley1925 W Happy Valley Rd, Phoenix, AZ 85085Directions
- Monroe1812 W Monroe St, Phoenix, AZ 85007Directions
- Scottsdale Kierland16600 N Scottsdale Rd, Scottsdale, AZ 85254Directions
- Tempe840 E Southern Ave, Suite 101, Tempe, AZ 85282Directions
Prescott Valley area · 6
- Chino Valley1021 N State Route 89 Ste 106, Chino Valley, AZ 86323Directions
- Cottonwood601 W State Route 89A, Cottonwood, AZ 86326Directions
- Prescott Gurley550 E Gurley St, Prescott, AZ 86301Directions
- Prescott Willow Creek1335 Gail Gardner Way, Prescott, AZ 86305Directions
- Prescott Valley7111 Pav Way, Prescott Valley, AZ 86314Directions
- Sedona20 Roadrunner Dr Ste C, Sedona, AZ 86336Directions
Yuma area · 5
- San Luis645 N William Brooks Ave, San Luis, AZ 85336Directions
- Fortuna11600 S Fortuna Rd, Yuma, AZ 85367Directions
- Midtown1800 S 4th Ave, Yuma, AZ 85364Directions
- Yuma - Loan Production Office242 W 28th St, Yuma, AZ 85364Directions
- Yuma Main2799 S 4th Ave, Yuma, AZ 85364Directions
Tucson area · 3
- Oro Valley10718 N Oracle Rd, Oro Valley, AZ 85737Directions
- Tucson Alvernon777 S Alvernon Way, Tucson, AZ 85711Directions
- Tucson Oracle6456 N Oracle Rd, Tucson, AZ 85704Directions
Flagstaff area · 2
- East Flagstaff5200 N US Highway 89, Flagstaff, AZ 86004Directions
- Flagstaff Sawmill825 E Butler Ave, Flagstaff, AZ 86001Directions
Nogales area · 1
- Nogales825 N Grand Ave Ste 104, Nogales, AZ 85621Directions
Safford area · 1
- Safford280 W Main St, Safford, AZ 85546Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.44% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.66% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.19% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $77 | $88 | — |
- CapitalNet worth ratio10.44%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.66%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.19%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$77Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of OneAZ Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.