OneAZ Credit Union High-Yield Savings & Money Market Rates

How OneAZ Credit Union’s savings rates compare

Compared with banks and credit unions near Phoenix, AZ, where OneAZ Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
OneAZ Credit Union
1.51%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$151
Money Market Checking
Top rate
Nuvision Credit Union
4.50%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$450
Nuvision Credit Union rates
2nd-highest rate
Alhambra Credit Union
4.04%APY
Requires
None
Minimum
$25
Earns on $10,000 a year
$404
Alhambra Credit Union rates

Compare savings rates near you →

Savings score

Higher than 98% of U.S. banks and credit unions

By balance

$1,000 balance$1,0003.85%
$10,000 balance$10,0003.85%
$100,000 balance$100,0002.56%
QualifiedQualified3.85%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where OneAZ Credit Union ranks

By savings score, in each area where it has branches

And 2 more areas →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Propel Savings

3.85%APY on $10,000$100 to open

Variable tiered rate savings account. Interest rate applies only to the portion of balance within each tier. $100 minimum opening balance ($500 maximum to open online). No minimum balance required to earn stated APY. Limit one account per Tax ID number. $2.00 monthly fee is waived if enrolled in eStatements.

Part of the balance	Rate on that part
Up to $10,000	3.78%
$10,000 – $25,000	2.74%
$25,000 – $50,000	2.18%
$50,000 – $100,000	1.89%
$100,000 and up	1.49%

On $10,000 the tiers blend to about 3.85% APY, earning $385 a year.

Sources (4)

All captured Oct 3, 2026

Money Market Checking

1.51%APY

Only the funds that comprise each tier will earn the rate for that tier. Minimum balance fee of $10.00 per month applies if minimum balance requirements are not met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $5,000Only the funds that comprise each tier will earn the rate for that tier.	0.50%	—	Only the funds that comprise each tier will earn the rate for that tier.
$5,000 – $10,000Blended APY ranges from 0.50% to 0.80%. Only the funds that comprise each tier will earn the rate for that tier.	1.11%	—	Blended APY ranges from 0.50% to 0.80%. Only the funds that comprise each tier will earn the rate for that tier.
$10,000 – $25,000Blended APY ranges from 0.80% to 1.23%. Only the funds that comprise each tier will earn the rate for that tier.	1.51%	$151	Blended APY ranges from 0.80% to 1.23%. Only the funds that comprise each tier will earn the rate for that tier.
$25,000 – $50,000Blended APY ranges from 1.23% to 1.55%. Only the funds that comprise each tier will earn the rate for that tier.	1.87%	—	Blended APY ranges from 1.23% to 1.55%. Only the funds that comprise each tier will earn the rate for that tier.
$50,000 – $100,000Blended APY ranges from 1.55% to 1.79%. Only the funds that comprise each tier will earn the rate for that tier.	2.03%	—	Blended APY ranges from 1.55% to 1.79%. Only the funds that comprise each tier will earn the rate for that tier.
$100,000 and upBlended APY ranges from 1.79% to 2.48%. Only the funds that comprise each tier will earn the rate for that tier.	2.56%	—	Blended APY ranges from 1.79% to 2.48%. Only the funds that comprise each tier will earn the rate for that tier.

Sources (2)

All captured Oct 3, 2026

Money Market Savings

0.30%APY$1,000 to open

Minimum opening deposit is $1,000. In order to earn disclosed APY, must maintain a balance of at least $1,000 each day. In order to avoid the monthly maintenance fee of $10.00, account balance must be at least equal to $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $5,000Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.	0.10%	—	Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.
$5,000 – $10,000Blended APY ranges from 0.10% to 0.15%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.	0.20%	—	Blended APY ranges from 0.10% to 0.15%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.
$10,000 – $25,000Blended APY ranges from 0.15% to 0.24%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.	0.30%	$30	Blended APY ranges from 0.15% to 0.24%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.
$25,000 – $50,000Blended APY ranges from 0.24% to 0.32%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.	0.40%	—	Blended APY ranges from 0.24% to 0.32%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.
$50,000 – $100,000Blended APY ranges from 0.32% to 0.41%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.	0.50%	—	Blended APY ranges from 0.32% to 0.41%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.
$100,000 and upBlended APY ranges from 0.41% to 0.94%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.	1.01%	—	Blended APY ranges from 0.41% to 0.94%. Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.

Sources (3)

All captured Oct 3, 2026

Star High Yield Money Market

0.10%APY

All deposited funds earn the rate for the tier.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $75,000All deposited funds earn the rate for the tier.	0.10%	$10	All deposited funds earn the rate for the tier.
$75,000 and upAll deposited funds earn the rate for the tier.	1.00%	—	All deposited funds earn the rate for the tier.

Sources (2)

All captured Oct 3, 2026

Savers Advantage Money Market

0.10%APY$1,000 to open

Minimum balance to open account is $1,000. All deposited funds earn the rate for the tier.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000All deposited funds earn the rate for the tier.	0.10%	$10	All deposited funds earn the rate for the tier.
$25,000 and upAll deposited funds earn the rate for the tier.	0.50%	—	All deposited funds earn the rate for the tier.

Sources (2)

All captured Oct 3, 2026

Your Savings

0.44%APY on $10,000$5 to open

Tiered variable rate savings account paying stated interest rate only on that portion of account balance within the specified tier. Opening minimum balance is $5.00 ($50.00 stated in p56, $500 maximum to open online). Limit of one Your Savings account per primary member/Tax ID. $2.00 monthly fee is waived if enrolled in eStatements.

Part of the balance	Rate on that part
Up to $1,000	3.45%
Over $1,000	0.10%

On $10,000 the tiers blend to about 0.44% APY, earning $44 a year.

Sources (3)

All captured Oct 3, 2026

Share Savings

0.10%APY$5 to open

$5.00 minimum opening deposit requirement opens account and establishes credit union membership. $50.00 minimum balance required to earn dividends.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and up$50.00 minimum daily balance required to earn APY/dividends.$50 and up	0.10%	$10	$50.00 minimum daily balance required to earn APY/dividends.

Sources (3)

All captured Oct 3, 2026

Special-purpose accounts

Club Savings

1.74%APYClub$5 to open

$5.00 minimum opening deposit requirement. $50.00 minimum balance required to earn dividends. $2.00 monthly fee waived if enrolled in eStatements. Up to 10 secondary accounts can be opened.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and up$50.00 minimum daily balance required to earn APY. $2.00 monthly fee waived if enrolled in eStatements.$50 and up	1.74%	$174	$50.00 minimum daily balance required to earn APY. $2.00 monthly fee waived if enrolled in eStatements.

Sources (3)

All captured Oct 3, 2026

IRA Savings

0.10%APYIRA

Tax-advantaged retirement savings account (Traditional and Roth IRA wrappers). All deposited funds earn the rate for the tier.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upAll deposited funds earn the rate for the tier ($50.00 and greater).$50 and up	0.10%	$10	All deposited funds earn the rate for the tier ($50.00 and greater).

Sources (3)

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.

Check membership requirements ↗Branches and institution details

← OneAZ Credit Union overview

How OneAZ Credit Union’s savings rates compare

OneAZ Credit Union savings score

Current savings rates

Propel Savings

Money Market Checking

Money Market Savings

Star High Yield Money Market

Savers Advantage Money Market

Your Savings

Share Savings

Special-purpose accounts

Club Savings

IRA Savings

Who can join OneAZ Credit Union

Where you live or work

Employers and groups

Military, government and schools

Family and household

Other ways

Cost to join