Credit union · NCUA insured
OneAZ Credit Union Auto Loan Rates
Top CarrotOneAZ Credit Union auto loans start at 5.15% APR for a new vehicle and 5.15% for a used one. Rates checked October 22, 2026.
How OneAZ Credit Union’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where OneAZ Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OneAZ Credit Union
5.15%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
- Discount
- Included in the rate
New Auto
Lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
- Up to
- —
- Discount
- None included
OneAZ Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew5.15%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OneAZ Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto
New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser (2025 and newer vehicles). Rates include a 0.25% discount for having a Benefits Checking account. Auto loans of $75,000 to $99,999.99 are subject to a rate increase of 0.50%; Auto loans $100,000.00-$150,000 are restricted to 100% LTV and subject to a rate increase of 1.00%. Loans through dealers do not qualify for promotional rate. Membership qualifications apply (live, work, worship, attend school, volunteer in Arizona, purchasing real property in AZ, or sponsored by an existing member).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.95%–18.00% | Includes 0.25% discount for Benefits Checking. |
| up to 60 months | 5.15%–18.00% | Includes 0.25% discount for Benefits Checking. |
| up to 72 months | 5.45%–18.00% | $15,000 minimum loan amount. Includes 0.25% discount for Benefits Checking. |
| up to 84 months | 5.95%–18.00% | $20,000 minimum loan amount. Includes 0.25% discount for Benefits Checking. |
Sources (2)
All captured Oct 3, 2026
Used Auto
Used vehicles must be 15 years old or less to qualify for a loan. Rates include a 0.25% discount for having a Benefits Checking account. Auto loans of $75,000 to $99,999.99 are subject to a rate increase of 0.50%; Auto loans $100,000.00-$150,000 are restricted to 100% LTV and subject to a rate increase of 1.00%. Loans through dealers do not qualify for promotional rate. Membership qualifications apply (live, work, worship, attend school, volunteer in Arizona, purchasing real property in AZ, or sponsored by an existing member).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.95%–18.00% | Includes 0.25% discount for Benefits Checking. |
| up to 60 months | 5.15%–18.00% | Includes 0.25% discount for Benefits Checking. |
| up to 72 months | 5.45%–18.00% | $15,000 minimum loan amount. Includes 0.25% discount for Benefits Checking. |
| up to 84 months | 5.95%–18.00% | $20,000 minimum loan amount. Includes 0.25% discount for Benefits Checking. |
Sources (2)
All captured Oct 3, 2026
Who can join OneAZ Credit Union
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.
Membership information collected October 4, 2026.