OneAZ Credit Union Cottonwood AZ | Affordable Auto Loans & Business Banking

Introduction

Welcome to Oneaz, your trusted credit union located at 601 W State Route 89A, Cottonwood, AZ 86326. Established in 1972, we have proudly served our community for over five decades, fostering financial growth and stability for our members. With a dedicated membership of 199,112, we are committed to providing exceptional service tailored to meet your unique financial needs. At Oneaz, we understand that financial security is crucial for you and your family. That's why we manage total assets of over $3.36 billion and maintain a solid net worth of $322,945,765. Our extensive range of services includes personal banking, auto loans, mortgages, and business banking solutions all designed with your best interests in mind. Under the leadership of CEO Brandon Michaels and Board President Jon Borge, our team is here to help you navigate your financial journey. Whether you're looking to open a new checking account or seeking advice on loans our knowledgeable staff is ready to assist you. In addition to friendly service, we offer convenient access through online and mobile banking options. While members can visit us at our branch for face-to-face support, official correspondence should be sent to the same address: 601 W State Route 89A, Cottonwood, AZ 86326. Feel free to reach us at 928-649-7300 during our operating hours: Monday and Friday from 9 AM to 5 PM; Tuesday through Thursday from 9 AM to 6 PM. Join the Oneaz family today and experience the difference that comes with being part of a community-focused credit union. Explore more about what we offer by visiting our website at oneazcu.com. Your financial future starts here!

Branch History & Mission

Community Commitment

Our commitment to the Cottonwood area extends beyond banking. We take pride in partnering with local organizations and participating in community events that uplift those around us. By investing time and resources into initiatives that matter most to our members, we help create a brighter future for everyone.

Modern Services

As part of our mission to enhance your banking experience, Oneaz offers digital advancements like online banking and mobile payments for your convenience. We also ensure compliance with ADA standards so that all members can access our services comfortably. With ATM availability and drive-thru services at your disposal, we aim to make banking as simple as possible for you. Whether you're making deposits or seeking advice on loans or investments, we're here to help you every step of the way. Join us at Oneaz and experience firsthand what it means to be part of a credit union that truly cares about its members and community. Visit us today or call us at (928) 649-7300 to learn more about how we can assist you on your financial journey!

Our Evolution

From our humble beginnings in the early '70s, Oneaz has continually evolved to meet the needs of our members. Our commitment to providing accessible financial services has driven us to innovate and expand our offerings over the years. We have embraced technology while maintaining a personal touch. Today, members can enjoy various services, including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions.

Our Mission

At Oneaz, our mission is clear: we strive to empower our members by providing high-quality financial services while fostering community growth and support. We believe that when our members succeed financially, so does the community. This dedication goes beyond transactions; we actively engage in outreach efforts that support local initiatives and organizations. While members can visit us at 601 W State Route 89A Cottonwood Az 86326, official correspondence should be sent to 601 W State Route 89A, COTTONWOOD, AZ 86326. This ensures we stay connected with you no matter where you are.

Branch Location & Accessibility

Welcome to Oneaz, your friendly neighborhood credit union located at 601 W State Route 89A in beautiful Cottonwood, Arizona. Our branch is easy to find and conveniently situated near popular local spots like the stunning Verde River and the charming downtown area. Whether you're a long-time member or new to the community, we strive to make your visit enjoyable and hassle-free. At Oneaz, we understand how important it is for our members to access their banking services without any stress. That's why we offer plenty of parking right outside our doors, making it simple for you to stop by. Plus, our branch is fully ADA compliant, ensuring that everyone can easily access our facilities. We are open from 9 AM to 6 PM on Mondays and Fridays, and from 9 AM to 5 PM Tuesday through Thursday. If you need assistance outside these hours, don't hesitate to give us a call at 928-649-7300. Our team is here to help with everything from personal banking needs like checking and savings accounts to auto loans and mortgage options. For added convenience, we have an ATM available on-site for quick cash withdrawals or balance checks. If you prefer drive-thru banking, we've got you covered there too! You can handle deposits and simple transactions without leaving your car. While you can reach us at our main address for all your banking needs, please note that any official correspondence should be sent to the same address: 601 W State Route 89A, Cottonwood, AZ 86326. We invite you to visit us soon or give us a call if you have any questions about our services. At Oneaz, we're dedicated to supporting our members with friendly service and great financial products tailored just for you!

Member Eligibility

At Oneaz, we believe that becoming a member is like joining a family where support and community thrive. If you're looking to join us, you'll find that eligibility is quite welcoming! We invite individuals who live, work, or attend school in the communities we serve, as well as their family members. This means whether you're a local resident or just passing through, there's a place for you here at Oneaz. You can discover more about the specific eligibility requirements by visiting our detailed page at https://www.oneazcu.com/about/about-us/membership/ . Joining is simple and straightforward! Once you confirm your eligibility, opening an account is just a few clicks away. Our team is ready to assist you every step of the way, ensuring that you feel right at home from the moment you walk through our doors at 601 W State Route 89A Cottonwood Az 86326. If you have any questions or need assistance, don't hesitate to reach out to us at (928) 649-7300. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services offer practical tools that make daily operations smoother. Imagine being able to accept payments easily whether online or in-person allowing you to focus on what you do best: running your business. Our services are crafted to provide convenience and efficiency, helping you meet customer demands without hassle. Explore how Oneaz can empower your business journey today! Visit us at 601 W State Route 89A Cottonwood Az 86326 or call us at (928) 649-7300 for personalized assistance tailored to your needs.

Tailored Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $373 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $29 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $354,842,508, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick cash? Our ATM & Cash Withdrawal Services are available for easy access anytime you need it. Plus, if you're on the go, our Basic Drive-Thru Banking allows for deposits and withdrawals without leaving your car. At Oneaz, we believe that banking should be straightforward and accessible. You can reach us at (928) 649-7300 during our operating hours for any questions or assistance regarding our services. Join us today and discover how we can support you on your financial journey! For more information about opening an account or exploring additional offerings, visit us at Cottonwood.

Auto Loans & Vehicle Financing

When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing options are both flexible and affordable. We work closely with you to ensure you find the best fit for your budget. Imagine driving off in your dream car while knowing you've secured a loan that suits your financial situation!

Business Banking Services

Running a business requires solid financial support, and that's where our Business Banking services come into play. From Merchant Services that simplify transactions to tailored Business Loans, we're here to help your enterprise thrive.

Credit Cards with Rewards

For those who love earning perks while spending, our Credit Cards with Rewards allow you to earn points on every purchase. Picture yourself traveling or treating yourself using rewards from everyday expenses it's just one way we aim to add value to your financial life.

Digital and Convenient Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options. Accessing your account is as easy as tapping on your smartphone or logging in from your computer. With features like mobile payments and person-to-person transfers, managing money has never been easier.

Home Financing

Thinking about buying a home? Our Mortgage Loans & Refinancing services provide competitive rates and expert guidance throughout the process. Whether you're a first-time homebuyer or looking to refinance, we can help make this significant step smoother and more manageable.

Personal Banking Solutions

We understand that managing your personal finances can sometimes feel overwhelming. That's why we offer Personal Banking services including Checking & Savings Accounts designed for everyday use. Our accounts come with user-friendly features that make tracking your spending simple. Need extra cash? Our Personal Loans & Debt Consolidation options help you navigate financial bumps in the road with ease.

Digital & Online Banking

Key Features for You

Our online banking features include electronic signature authorization, which makes signing documents hassle-free and secure. Plus, with e-statements available, you can easily keep track of your transactions without the clutter of paper statements. If you prefer to handle things via your smartphone, our mobile application is here to help. Not only can you manage your accounts, but you can also take advantage of mobile payments for quick purchases no need to dig through your wallet! For those who want to send money quickly and easily, our person-to-person transfers allow you to send money directly to friends or family in just a few taps. It's a great way to split bills or send gifts without any hassle. At Oneaz, we understand that life is busy. That's why our user-friendly digital banking tools ensure that everything you need is right at your fingertips. With real-time account management and secure access to all your financial information, you're always in control of your finances. Experience the convenience of modern banking today with Oneaz!

Financial Strength

A Growing Community

Total Share Accounts: 409,098, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $67,291,740. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Oneaz is your trusted partner. Visit us at 601 W State Route 89A Cottonwood Az 86326 or call (928) 649-7300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Commitment to Growth

With $314,420,578 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $18,962 in used auto loans and $2,272,424,037 in total loans and leases that support members' financial goals across various sectors.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 461 full-time employees and 52 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $165,856,550 in share certificates and $370,592,625 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $322,945,765, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $959 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Financing Options

For those interested in expanding their business ventures, our outstanding commercial loans totaling $354,842,508 provide the capital needed to grow and expand. We work closely with business owners to ensure they receive the support necessary for success. If you're considering refinancing or want to explore eligibility options for any of our loan products, please reach out. Our team at Oneaz is dedicated to finding the right fit for you. Our branch located at 601 W State Route 89A Cottonwood AZ 86326 is here for all your lending needs. For more information or questions about our services, call us at 928-649-7300. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our offerings today and see how we can assist you in achieving your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $398,307,582 in used vehicle loans and $245,670,310 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make it easier for you to drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $198,080,485, make buying or refinancing simple. Our team is here to guide you through the mortgage process and help you secure a loan that fits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $84,546,231 in loans helping members manage their finances effectively. These cards can be a great way to handle unexpected expenses or consolidate debt without collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback reinforces the reliability and effectiveness of the platform. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to sourcing data from reliable institutions ensures that all offers are fair and transparent, giving users peace of mind as they explore their financing options.

ONEAZ CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans