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OneAZ Credit Union

Member-owned financial services and loans

Overview

OneAZ Credit Union is a member-owned financial institution that serves Arizona with checking and savings accounts, loans, and other financial services through its 20 branches and online channels. It works by pooling members’ deposits to fund loans and provide digital banking, ATMs, and customer services, offering competitive rates and tailored financial products to individuals and small businesses. What sets OneAZ apart from many competitors is its status as a large, nonprofit credit union with a strong community focus, backed by recognition from Forbes, Newsweek, and Healthiest Employers for its workplace and service quality. Its goal is to inspire dreams and drive prosperity and community growth by delivering affordable financial solutions and accessible banking to its members.

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About OneAZ Credit Union

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Industries

Consumer SoftwareFinancial Services

Company Size

201-500

Company Stage

N/A

Total Funding

N/A

Headquarters

Phoenix, AZ

Founded

1951

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What believers are saying

  • Mike Boden became president and CEO on January 13, 2026, stabilizing leadership.
  • April 2 and August 17, 2026 campaigns add deposits with $375 bonuses and loan incentives.
  • September 2026 sponsorships with Startup Tucson and Moonshot AZ deepen small-business pipelines statewide.

What critics are saying

  • Leadership churn after Brandon Michaels' 2026 departure can disrupt execution and culture.
  • The 1st Bank Yuma integration must absorb five branches and new members without service failures.
  • If integration stalls and deposit costs rise, OneAZ's expansion story collapses.

What makes OneAZ Credit Union unique

  • Member-owned structure returns earnings through lower fees, competitive rates, and community grants.
  • OneAZ spans 26 Arizona branches after acquiring 1st Bank Yuma on November 21, 2025.
  • Lumin Digital renewal on April 14, 2026 shows a scalable, modern digital stack.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Paid Holidays
  • Paid Vacation
  • Paid Sick Leave
  • Childcare Support
  • Gym Membership
  • Tuition Reimbursement
  • Student Loan Assistance

Company News

Nogales International
Sep 21st, 2026
OneAZ Credit Union expands in southern Arizona, builds on 75 years of service.

OneAZ Credit Union expands in southern Arizona, builds on 75 years of service. * This is paid advertisement by OneAZ Credit Union * Sep 21, 2026 * 2 min to read - BRANDED CONTENT - Credit unions grew out of mutual aid and community support, with members pooling money and resources to access affordable financial services. That cooperative spirit remains central to OneAZ Credit Union, which recently expanded its presence in southern Arizona by acquiring 1st Bank Yuma and adding branches in San Luis, Yuma, Fortuna Foothills, and Nogales. Founded in 1951, OneAZ is celebrating 75 years of serving Arizona. Today, the credit union has more than 250,000 members statewide, $4.4 billion in assets, and 26 branches. "We're here to build relationships for generations," said the credit union's Southern Region Manager, Vanessa Gonzalez. "We still believe strongly in the importance of local relationships and personal service." That cooperative foundation is a key difference between OneAZ and a traditional bank. OneAZ is a not-for-profit financial institution owned by its members, while a traditional bank generally has shareholders and operates profit. Both offer many of the same services - including checking and savings accounts, loans, credit cards and digital banking - but their structures and priorities can differ. OneAZ returns earnings to its members through competitive interest rates, lower fees, and other benefits, while also investing in the communities it serves. "As a credit union, we focus on helping our members achieve their financial goals and putting resources back into the community," Gonzalez emphasized. "We are here to serve all Arizonans," Gonzalez said. "If you live, work, or go to school in Arizona, you can become a member." For OneAZ, membership is about more than access to financial products. Its mission is to "help Arizonans live their best financial lives." Whether a member is buying a first home, starting a business or planning for the future, the credit union offers personalized guidance and financial solutions tailored to where they are and where they want to go. That mission has earned OneAZ recognition both nationally and across Arizona, including a spot on Forbes' Best-in-State Credit Unions list for outstanding service, along with local honors from Best of Santa Cruz County, Best of Gila Valley and Best of Flagstaff." The OneAZ Mobile Banking app also earns high marks for ease of use, digital banking, and tracking spending and financial wellness. Beyond offering banking services to individuals and businesses, OneAZ prioritizes financial literacy by offering free financial counseling inside and outside its branch locations. "We do step outside of our branches quite a bit with volunteer work and a big focus on financial literacy," Gonzalez said, adding that their southern Arizona branches have given savings- and credit-focused talks to local elementary and high school students. That focus on helping members navigate their finances also extends to borrowing. As many people feel the pinch of inflation and higher interest rates, OneAZ strives to ease the burden with home equity lines of credit and auto loan refinancing. "We have very competitive loan rates and one of the best rates in Arizona when it comes to auto lending," Gonzalez said. For Gonzalez and the entire OneAZ team, building long-term relationships starts with a simple conversation. "Come talk to us, check us out, ask questions. We have services and products that can help anybody no matter what financial stage they're in in life, whether they're just starting out, rebuilding, or planning for retirement." Visit oneazcu.com for branch locations and business hours. Branded Content | Authentic storytelling powered by a trusted local media. Engage consumers and build brand loyalty through editorial-style storytelling - written by professional journalists and optimized for search. * This is paid advertisement by Francisco Ruiz, CB Realty * Sep 14, 2026

Startup Tucson
Sep 1st, 2026
OneAZ Credit Union partners with Startup Tucson to expand Startup SIPS.

OneAZ Credit Union partners with Startup Tucson to expand Startup SIPS. Startup Tucson is excited to welcome OneAZ Credit Union as the presenting sponsor and local official financial partner of Startup SIPS for 2026-2027. Startup SIPS is Startup Tucson's monthly community coffee meetup, designed to make it easy for anyone interested in entrepreneurship to connect with Southern Arizona's startup community. Held at local coffee shops throughout the Tucson area, SIPS brings together entrepreneurs, creatives, remote workers, and community members for informal conversation, new connections, and plenty of coffee. With support from OneAZ Credit Union, Startup Tucson will continue expanding Startup SIPS as a regular community gathering - and OneAZ's sponsorship will allow Startup Tucson to provide complimentary drip coffee to attendees throughout the series. "Entrepreneurship can be lonely, especially in the early stages," said Liz Pocock, CEO of Startup Tucson. "Sometimes the most valuable thing we can do is create a welcoming place where people can simply show up, have a conversation, and realize they're not building alone. Startup SIPS helps strengthen the relationships that make Tucson's entrepreneurial ecosystem thrive, and we're grateful to OneAZ Credit Union for helping us continue creating those opportunities." While Startup SIPS is intentionally informal, the conversations and relationships that begin there can have a much bigger impact. For someone new to entrepreneurship, walking into a formal workshop, accelerator, or business event can feel intimidating. SIPS offers a different starting point: an opportunity to meet other founders, learn about resources, and begin building relationships that often become the foundation for future collaboration, mentorship, and a stronger connection to Tucson's entrepreneurial community. "At OneAZ, we believe strong communities are built through meaningful relationships. By creating opportunities for entrepreneurs to connect, collaborate, and learn from one another, we're helping strengthen Arizona's small business ecosystem. This partnership reflects our ongoing commitment to empowering local businesses and creating pathways for economic growth across the state," said Mike Boden, President & CEO, OneAZ Credit Union. Startup SIPS will continue bringing Tucson's entrepreneurial community together at local coffee shops throughout the city. Upcoming dates and locations will be announced through Startup Tucson's event calendar, newsletter, and social channels. Everyone is welcome, whether you're exploring your first idea, actively building a business, supporting entrepreneurs, or simply interested in connecting with the community. Startup SIPS is presented by OneAZ Credit Union. Insured by NCUA.

Yahoo Finance
Aug 17th, 2026
OneAZ Credit Union marks 75th anniversary with $375 new member bonus and Peoria branch opening

OneAZ Credit Union is marking its approaching 75th anniversary with special offers and a new branch opening in Peoria. The Arizona-based credit union is offering a $375 bonus for new members, up to $1,500 for members consolidating household auto loans, and up to $750 off appraisal costs for eligible mortgages during a 75-day countdown to the milestone. The Peoria branch expands OneAZ's presence in the West Valley region. Founded in 1951, OneAZ serves over 230,000 members through 26 branches and holds $4.3 billion in assets. President and CEO Mike Boden said the anniversary celebrates both the credit union's history and future growth in Arizona communities.

OneAZ Credit Union
Aug 4th, 2026
Crossroads Mission secures $2 million Affordable Housing grant through OneAZ Credit Union.

Crossroads Mission secures $2 million Affordable Housing grant through OneAZ Credit Union. The grant will support Crossroads Mission's 120-bed Center for Hope housing project in Yuma. August 4, 2026 | By Katherine C. YUMA, Ariz. (TBD) - Crossroads Mission has received a $2 million Affordable Housing Program grant through the Federal Home Loan Bank of San Francisco, sponsored by OneAZ Credit Union, to help bring its Center for Hope project to life. The funding marks a major milestone for the 120-bed transitional housing development, which will provide critical support and housing opportunities for individuals experiencing homelessness in Yuma. "At OneAZ Credit Union, we believe thriving communities start with access to safe, stable housing and opportunities to build a stronger future. We're proud to partner with Crossroads Mission and the Federal Home Loan Bank of San Francisco to help bring the Center for Hope project to life. This investment reflects our commitment to improving the lives of Arizonans and advancing our aspiration to create lasting impact in the communities we serve," says Mike Boden, President & CEO, OneAZ Credit Union. "The Center for Hope represents dignity, opportunity, and a pathway forward for some of our community's most vulnerable neighbors. I'm proud to see this project receive critical funding that will help turn this vision into reality. This investment will create a lasting impact for Yuma and strengthen our community for years to come," says Ricardo Perez, Yuma Market President, OneAZ Credit Union, and Crossroads Mission Board Member. "I want to thank OneAZ for partnering with Crossroads to help make Yuma County a better place to live. Crossroads will be offering homeless and addicted men a better place to live while they get back on their feet and become engaged citizens of this community. Crossroads and OneAZ will work in tandem to ensure the project is completed by late 2027," says Myra E. Garlit, Chief Executive office, Crossroads Misson. Crossroads Mission's Center for Hope provides housing, and homeless assistance through various services. The project will provide 120 beds of transitional housing for individuals experiencing homelessness. The $2 million Affordable Housing Program grant, secured through OneAZ Credit Union's sponsorship of the application to the Federal Home Loan Bank of San Francisco, represents a significant milestone in the project's capital campaign and future development. Project Highlights: * $2 million Affordable Housing Program (AHP) grant awarded through the Federal Home Loan Bank of San Francisco. * Grant application sponsored by OneAZ Credit Union as a member of FHLBank San Francisco. * The Center for Hope will provide 120 beds of transitional housing in Yuma. * Project will serve individuals experiencing homelessness and support their journey toward stability and independence. * The grant is a key component of Crossroads Mission's broader capital campaign, with the total project expected to exceed $5 million in funding requirements. As the Center for Hope project moves forward, the $2 million grant represents more than funding - it represents a shared commitment to strengthening the Yuma community. By investing in housing and supportive services, Crossroads Mission, OneAZ Credit Union, and FHLBank San Francisco are helping create pathways to stability and brighter futures for those working to rebuild their lives.

CUbroadcast
Jun 27th, 2026
OneAZ Credit Union invests $150K in Moonshot AZ to expand opportunities for rural entrepreneurs across Arizona.

OneAZ Credit Union invests $150K in Moonshot AZ to expand opportunities for rural entrepreneurs across Arizona. OneAZ Credit Union is proud to partner with Moonshot AZ as a title sponsor of the 2026 Rural Arizona Pitch Tour, bringing expanded opportunities, funding, and support to entrepreneurs across rural communities statewide. "We're proud to partner with Moonshot AZ to support entrepreneurs across rural Arizona," said Mike Boden, President and CEO of OneAZ Credit Union. "This partnership allows us to invest in local innovation, expand access to opportunity, and help small businesses thrive where they're needed most." "Entrepreneurs are the backbone of strong, resilient communities," Boden added. "By supporting the Rural Arizona Pitch Tour, we're helping create pathways for growth, financial empowerment, and long-term economic impact across the state." In addition to mentorship and local prize opportunities, every competitor who applies and attends a tour stop will receive a $5,500 Moonshot AZ membership at no cost, providing ongoing access to tools, resources, and support. OneAZ has committed $50,000 annually for three years, totaling a $150,000 investment. "Every stop on this tour is a chance to change someone's trajectory, and on October 24 in Phoenix, one of those entrepreneurs from the 20 tour stops is going to walk away as Moonshot's Rural AZ Pitch Champion," said Scott Hathcock, President & CEO of Moonshot. "As title sponsor, OneAZ Credit Union will be right there alongside Blue Cross Blue Shield of Arizona, APS, and the Arizona Commerce Authority to help us determine who that is." "Twenty-five years of Moonshot, seven seasons of the Rural Arizona Pitch Tour, and this is our biggest tour yet - 20 stops across the state. That's not a coincidence; that's momentum," said Kiersten Hathcock, CMO & Tour Co-Producer at Moonshot. "OneAZ Credit Union understands what it means to be present, community-centered, and committed to rural and border communities and startup founders all across Arizona, and that's exactly the energy we want surrounding our entrepreneurs this year. Having them step in as title sponsor in our 25th anniversary year says everything about where this tour is headed." The 2026 Rural Arizona Pitch Tour marks Moonshot's largest expansion to date, reaching 20 cities and counties across the state and providing entrepreneurs with access to critical resources, mentorship, and funding opportunities. As title sponsor, OneAZ Credit Union is helping bring this initiative to communities that are often underserved but rich with innovation and potential. Key highlights of the tour include: * 20 tour stops statewide, offering free pitch training and mentorship * Local prize money awarded at each stop * Two $10,000 state titles (Innovation and Lifestyle) awarded at the Phoenix Finals on October 24 * A $5,000 Crowd Favorite award * Complimentary tickets and two-night hotel stays for each tour stop winner advancing to the finals * A $5,500 Moonshot membership provided at no cost to every competitor who applies and attends a tour stop The Rural Arizona Pitch Tour will culminate in the Phoenix Finals on October 24, where one entrepreneur will be named Moonshot's Rural AZ Pitch Champion. Entrepreneurs interested in participating can learn more and apply at moonshotazpitch.com.

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