Today's Rates

Rates Effective: 12/20/2024

Rates above reflect a 0.25% Interest Rate Discount⁵ just for banking with us. Conditions apply.

Other Residential First Mortgage Loan Programs (not listed above) are also available, i.e., Affordable Housing Programs (AHP), Down Payment Assistance (DPA) Programs, 100% LTV Financing Programs, Construction Perm Loans, etc. Contact a OneAZ Mortgage Loan Originator to obtain additional information about these other options.

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¹Mortgage points, also known as discount points, are a form of prepaid interest. One point equals one percent of the loan amount. Increased points typically lower the interest rate; however, this cost also effectively increases the yield on the loan above the amount of the stated interest rate. Borrowers can offer to pay additional points to reduce the interest rate on the loan, thus obtaining a lower monthly payment in exchange for this up-front payment. Conversely, borrowers can also request to pay reduced points which will result in an increase in both the stated interest rate and the monthly payment.

²APR = Annual Percentage Rate. The Annual Percentage Rate (APR), is the actual annualized cost of credit charged to a borrower, expressed as a percentage, over the term of the loan. The APR is based on the interest rate, points and other various finance charges you may be required to pay.

³Monthly Payments shown do not include amounts for taxes and insurance. Actual payment obligation will be greater. For Adjustable Rate Mortgage (ARM) loans, interest rate is fixed for the initial term indicated. After the initial fixed rate period, the interest rate, and monthly payments, may adjust semiannually. Rates and terms are based on credit worthiness and the Estimated Payment is based on the following assumptions:

• Loan amounts are $350,000.

• Jumbo loan amounts are $800,000

• Single Family Residence.

• Purchase loan unless indicated otherwise.

• 80% Loan-to-Value (LTV) / 20% Equity/Down Payment.

• Mortgage rate lock period of 30 days.

• Excellent Credit / Minimum 760 FICO Score.

Information contained herein assumes a 20% Down Payment and an 80% Loan-to-Value (LTV). Mortgage Insurance (MI) is required on loans that are above 80% LTV. As the LTV increases, the cost of the MI will also likewise increase.

These assumptions are subject to change without notice. Interest Rate, Discount Points and APR may be adjusted based on several factors including, but not limited to, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

⁴ARMs are based on Secured Overnight Financing Rate (SOFR) Index. 5 Year SOFR ARM Loans are also available.

⁵ To qualify for the 0.25% Interest Rate Discount, you will need to agree to the following: Establish OneAZ Membership, open a OneAZ Checking Account, set up monthly payroll Direct Deposit of $1,000 or more to the OneAZ Checking Account and set up monthly Auto Pay for the new loan. The offer does not apply to FHA, VA or USDA mortgages.

APR = Annual Percentage Rate.

Rates as of December 1, 2024.

Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV), and loan term. The Fixed Rate Home Equity Loans Promotion is 1.25% Rate Discount off of Posted Rates. The 1.25% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term.

Conditions apply. Rates and terms subject to change at any time. In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking account, establish a $500 Biweekly or $1,000 monthly direct, and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ checking account.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2024.

Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV), and loan term. The Fixed Rate Home Equity Loans Promotion is 1.25% Rate Discount off of Posted Rates. The 1.25% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term.

Conditions apply. Rates and terms subject to change at any time. In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking account, establish a $500 Biweekly or $1,000 monthly direct, and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ checking account.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2024.

Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV), and loan term. The Fixed Rate Home Equity Loans Promotion is 1.25% Rate Discount off of Posted Rates. The 1.25% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term.

Conditions apply. Rates and terms subject to change at any time. In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking account, establish a $500 Biweekly or $1,000 monthly direct, and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ checking account.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2024.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 7.50% to 9.75%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or as of the 15th of each month. Variable Rate Provision: To determine the APR, we add a margin to the value of the index and round up to the nearest 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2024.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 8.00% to 10.25%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or as of the 15th of each month. Variable Rate Provision: To determine the APR, we add a margin to the value of the index and round up to the nearest 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2024.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 8.25% to 10.50%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or as of the 15th of each month. Variable Rate Provision: To determine the APR, we add a margin to the value of the index and round up to the nearest 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

Rates as of December 1, 2024.

APR = Annual Percentage Rate.

Rates include a 0.25% discount for having a Benefits Checking account. Loan amount and additional terms and conditions apply

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser.

Auto loans of $75,000 to $99,999.99, are subject to a rate increase of .50%; Auto loans $100,000.00-$150,000 are restricted to 100% loan to value (LTV) and subject to a rate increase of 1.00%.

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Rates as of December 1, 2024.

APR = Annual Percentage Rate. 

Rates include a 0.25% discount for having a Benefits Checking account. Loan amount and additional terms and conditions apply.

Auto loans of $75,000 to $99,999.99, are subject to a rate increase of .50%; Auto loans $100,000.00-$150,000 are restricted to 100% loan to value (LTV) and subject to a rate increase of 1.00%.

Apply Online

Apply Now

Rates as of  December 1, 2024.

APR = Annual Percentage Rate.

Rates include a 0.25% discount for having a Benefits Checking account. Loan amount and additional terms and conditions apply

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser. 

Rates as of December 1, 2024.

APR = Annual Percentage Rate.

Rates include a 0.25% discount for having a Benefits Checking account. Loan amount and additional terms and conditions apply

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser.

Rates as of December 1, 2024.

APR = Annual Percentage Rate. Subject to credit and program guidelines.

Rates as of December 1, 2024.

APR = Annual Percentage Rate. Subject to credit and program guidelines.

Rates as of December 1, 2024.

APR = Annual Percentage Rate.

* You will be automatically approved if you would like to pledge your Share Certificate or Share Account as collateral. The interest rate depends on your current Share Certificate rate + 3%.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

Fees could reduce earnings. We may offer other rates in the future. Please see the Consumer Fee Schedule for details.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future. Please see the Consumer Fee Schedule for details.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

Minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. We may offer other rates in the future. Please see the Consumer Fee Schedule for details.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

There is a $500 minimum opening balance requirement for IRA Savings and a $50 minimum balance required to earn dividends. IRA Share Certificate minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. We may offer other rates in the future. Please see the Consumer Fee Schedule for details.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

Propel Savings: $100 minimum balance to open account ($500 maximum to open online) and no minimum balance to earn stated APY.

Your Savings: $50 minimum balance to open account ($500 maximum to open online) and no minimum balance to earn stated APY.

5 monthly fee waived if enrolled in eStatements. Fees could reduce earnings on the account. Propel & Club Savings are a variable tier rate savings accounts that pay the stated interest rate only on that portion of the account balance that falls within that specified tier to create a range rate.

Please see the Consumer Fee Schedule for details.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

There is a $5.00 minimum opening balance requirement for Savings and Club Savings. For Savings and Club Savings there is a $50 minimum balance required to earn dividends. We may offer other rates in the future. Fees could reduce earnings. Please see the Consumer Fee Schedule for details.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD.

*There is a $1000 minimum balance required to earn dividends.

**All deposit funds earn the rate for the tier.

There is a $20 minimum opening balance requirement for all checking accounts. We may offer other rates in the future. Fees could reduce earnings. PPlease see the Consumer Fee Schedule for details.

Rates as of December 1, 2024. These Dividend Rate(s) and Annual Percentage Yield(s)
shown above may change at any time as determined by Our Board of Directors. Only the funds that comprise each tier will earn the rate for that tier. 

Please see the Consumer Fee Schedule for details.

Rates as of December 1, 2024. These Dividend Rate(s) and Annual Percentage Yield(s)
shown above may change at any time as determined by Our Board of Directors. Only the funds that comprise each tier will earn the rate for that tier. 

Please see the Consumer Fee Schedule for details.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future. Please see Business Fee Schedule for more information.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1000. Fees could reduce earnings. We may offer other rates in the future. Please see Business Fee Schedule for more information.

Rates as of December 1, 2024

Minimum balance to open account is $1,000. Minimum daily balance to earn the stated APY is $1,000. The APY will be calculated by applying one or more Dividend Rates to multiple balance ranges as set forth above. The Dividend Rate for each balance range will apply to your account balance within each particular deposit balance range and not to the entire account balance. Fees could reduce earnings. We may offer other rates in the future. Please see Business Fee Schedule for more information.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD

Minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. We may offer other rates in the future. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. Please see Business Fee Schedule for more information.

Rates as of December 1, 2024.

APY = ANNUAL PERCENTAGE YIELD

There is a $5.00 minimum opening balance requirement and a $50 minimum balance required to earn dividends. We may offer other rates in the future.

Please see Business Fee Schedule for more information.