Credit union · NCUA insured
OneAZ Credit Union Credit Card Rates
Top CarrotOneAZ Credit Union credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How OneAZ Credit Union’s credit card rates compare
Compared with banks and credit unions near Phoenix, AZ, where OneAZ Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
OneAZ Credit Union
12.49%APR
- Up to
- 24.00% APR
Visa Platinum Credit Card
Lowest rate
Pinal County FCU
7.90%APR
- Up to
- 13.90% APR
2nd-lowest rate
AERO Financial
7.92%APR
- Up to
- 12.84% APR
OneAZ Credit Union credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Choice Rewards Credit Card
Membership eligibility: live, work, worship, attend school, or volunteer in Arizona, under contract to purchase real property in AZ with part-time residence, or sponsored by an existing member. Minimum credit limit of $2,500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for 12 months on all purchases made within the first 90 days of open date. Variable rate thereafter based on Prime Rate. |
| Ongoing | 14.49%–24.00% | None | Standard purchase APR after introductory period based on creditworthiness; variable with the market based on the Prime Rate. |
Sources (2)
All captured Oct 15, 2026
Visa Platinum Credit Card
Membership eligibility: live, work, worship, attend school, or volunteer in Arizona, under contract to purchase real property in AZ with part-time residence, or sponsored by an existing member. Minimum credit line of $2,500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–24.00% | None | Purchase APR based on creditworthiness; variable with the market based on the Prime Rate. |
Sources (2)
All captured Oct 3, 2026
Visa Signature Credit Card
Membership eligibility: live, work, worship, attend school, or volunteer in Arizona, under contract to purchase real property in AZ with part-time residence, or sponsored by an existing member. Minimum credit limit of $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.49%–24.00% | None | Purchase APR based on creditworthiness; variable with the market based on the Prime Rate. 1.50% cash back rebate on qualifying purchases. |
Sources (2)
All captured Oct 15, 2026
Visa State Forty Eight Rewards Credit Card
Membership eligibility: live, work, worship, attend school, or volunteer in Arizona, under contract to purchase real property in AZ with part-time residence, or sponsored by an existing member. Minimum credit limit of $2,500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for 12 months from account opening on the first 90 days of purchases. Variable rate thereafter based on Prime Rate. |
| Ongoing | 15.49%–24.00% | None | Standard purchase APR after introductory period based on creditworthiness; variable with the market based on the Prime Rate. |
Sources (2)
All captured Oct 15, 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.