named programs · 5 · from sources
what they call their work
Home Equity Line of Credit
Variable-rate line of credit with draw period of 10 years and repayment up to 15 years, available for primary residences with CLTV up to 90%
Home Equity Loan
Fixed-rate loans for homeowners with CLTV up to 90%, offering loan amounts from $10,000 to $200,000 for terms up to 180 months
New and Used Auto Loans
Financing for new and used vehicles with terms up to 84 months, including rate discounts for members with Benefits Checking accounts
Savings and Money Market Accounts
Consumer and business savings products including tiered yield accounts, share certificates, and high-yield money market accounts
Visa Credit Cards
Multiple credit card options including low-interest and cash back rewards cards, all with no annual fees and built-in fraud protection
activities · 11 groups
what they do
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Credit Union Financial Services 6 activities
- Administer consumer and business financial productsOffers a range of financial products including free checking accounts, Star High Yield Money Market accounts, Share Certificates, credit cards with no annual fees, auto and personal loans, home equity loans and lines of credit, business checking and savings accounts, merchant services, and a digital cash management platform for businesses serving over 11,000 Arizona businesses.
- Business Financial ServicesProvides comprehensive financial services for businesses including business checking and savings accounts, merchant services with fraud prevention and data security tools, a digital cash management platform with payment processing and reporting, and a business cash rewards credit card with tiered cashback rates.
- Offer consumer and business financial productsProvides a range of financial products including free checking accounts, Star High Yield Money Market accounts, Share Certificates, personal loans, auto loans, home equity loans and lines of credit, business checking and savings accounts, business credit cards with cashback rewards, merchant services, and a digital cash management platform for businesses.
- Offer personal banking products and servicesProvides various personal banking products including free checking accounts, savings accounts, share certificates, and mobile banking services. Also offers personal loans, vehicle loans, and credit cards with features like no annual fees, 24/7 fraud protection, retail purchase protection, and travel accident life insurance.
- Provide business banking products and servicesOffers various business checking and savings account options, flexible and customized business loans (including SBA loans, working capital lines of credit, commercial real estate, and construction loans), business cash rewards credit cards, digital cash management platforms, and merchant services.
- Serve Arizona businessesProvides financial services to over 11,000 businesses in Arizona, including business accounts, lending, payment processing, and cash management solutions.
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Member Benefits and Support Services 5 activities
- Credit Cards and Cardholder BenefitsOffers credit cards with no annual fees, 24/7 fraud protection, retail purchase protection up to $500 per claim, travel accident life insurance, and advanced mobile app controls for card management including locking/unlocking, merchant controls, and custom alerts.
- Insurance and Member Discount ProgramsOffers members affordable insurance options including hospital accident and accidental death & dismemberment coverage, discounts on Travelers Auto and Home Insurance, and promotes financial savings through illustrative debt consolidation examples.
- Offer insurance products and discountsProvides members with discounts on Travelers Auto and Home Insurance and offers affordable hospital accident and accidental death & dismemberment coverage.
- Provide insurance and member discount programsOffers members discounted Travelers Auto and Home Insurance, as well as affordable hospital accident and accidental death & dismemberment coverage, and provides credit card benefits including retail purchase protection, travel accident life insurance, and 24/7 fraud protection.
- Support member insurance and protection servicesOffers members discounted Travelers Auto and Home Insurance, affordable hospital accident and accidental death & dismemberment coverage, retail purchase protection up to $500 per claim, and travel accident life insurance through credit cards.
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Local Community Grantmaking 4 activities
- Administer community grant programsThe OneAZ Community Foundation awards annual grants to Arizona nonprofits in the areas of Economic Empowerment and Entrepreneurship, Community Vitality, and Developing Future Leaders, having supported 562 organizations since 2016 and awarded $2.5 million in grants.
- Administer community grant programs and nonprofit supportThe OneAZ Community Foundation awards annual grants to Arizona nonprofits, having supported 562 organizations since 2016 and awarded $2.5 million in grants, focusing on Economic Empowerment and Entrepreneurship, Community Vitality, and Developing Future Leaders.
- Administer community grantsAdministers grant programs for Arizona nonprofits in the areas of Economic Empowerment and Entrepreneurship, Community Vitality, and Developing Future Leaders, awarding dozens of grants annually.
- Community Grant Programs and Nonprofit SupportThe OneAZ Community Foundation administers annual grant programs supporting Arizona nonprofits in Economic Empowerment and Entrepreneurship, Community Vitality, and Developing Future Leaders, having awarded $2.5 million in grants and supported 562 organizations since 2016.
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Digital Banking and Payment Services 4 activities
- Conduct system and branch operations maintenancePerforms scheduled and unscheduled maintenance affecting online banking, mobile services, ATMs, identity theft monitoring, and debit card issuance. Also manages temporary branch closures and service disruptions.
- Mobile and Online Banking ServicesProvides mobile and online banking services including mobile check deposit, fund transfers, bill payments, live chat with associates, ATM location finder, remote deposit capture, and 24/7 account access, with scheduled maintenance performed to support system reliability.
- Provide mobile and online banking servicesOffers mobile banking services including mobile check deposit, fund transfers, bill payments, live chat with associates, ATM location finder, and advanced card controls such as locking/unlocking cards and setting transaction alerts; also conducts regular system maintenance affecting these platforms.
- Provide mobile and online banking servicesOffers mobile banking services including mobile check deposit, fund transfers, bill payments, live chat with associates, ATM location finder, and advanced credit card controls such as locking/unlocking cards and setting transaction alerts. Also maintains 24/7 fraud protection for credit cards.
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Elder Fraud & Cybercrime Victim Support 4 activities
- Deliver fraud prevention and scam awareness resourcesProvides up-to-date information on trending scams—including phishing, imposter, and ATM skimming scams—and offers security tips, fraud protection resources, and email security guidance to help members protect themselves.
- Fraud Prevention and Security EducationProvides members with up-to-date information on trending scams, fraud protection resources, security tips, and email security guidance to help protect against phishing, imposter scams, ATM skimming, and other common threats.
- Provide fraud prevention and security educationShares up-to-date information on trending scams (e.g., phishing, imposter, utility, and job scams), offers fraud protection resources, security tips, and email security guidance to help members protect against online and offline threats.
- Provide fraud protection and security resourcesInforms members about trending scams and provides resources on fraud protection, security notices, security tips, and email security to help protect against online and offline threats.
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Credit Counseling and Debt Management 4 activities
- Free Financial Coaching and Education ServicesOffers free personal financial coaching to members, including 45-minute sessions for those opening a personal loan, and provides educational resources such as a downloadable budget worksheet, online financial calculators, a Financial Resources Guide via email, and a YouTube channel with financial education content.
- Offer free financial coaching and educational resourcesProvides free personal financial coaching to members, including a 45-minute session for those opening a personal loan, and distributes educational tools such as a budget worksheet, Financial Resources Guide via email, online financial calculators, and a YouTube channel with financial education content.
- Offer free financial coaching and educational resourcesProvides free personal financial coaching to members, including 45-minute sessions for personal loan applicants, a downloadable budget worksheet, a Financial Resources Guide via email, online financial calculators, and a YouTube channel with financial education content and success stories.
- Provide financial education and coachingOffers free personal financial coaching sessions, downloadable budget worksheets, online financial calculators, and a Financial Resources Guide via email subscription to help members manage their finances, reduce debt, and build credit. Also maintains a YouTube channel with financial education content.
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Youth Housing Construction Initiatives 2 activities
- Partner on community development projectsCollaborated with Verde Valley Habitat for Humanity to support new housing construction, contributing to the building of homes for four families during the pandemic.
- Partnerships for Community DevelopmentPartners with organizations such as Verde Valley Habitat for Humanity to support housing development, contributing to the construction of homes that housed four families during the pandemic.
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Basic Banking and Savings Accounts 1 activity
- Deposit Accounts and Account Management ToolsOffers free checking and savings accounts, Share Certificates, IRA Share Certificates, and business checking and savings accounts, along with detailed account disclosures, fee schedules, and transparency tools available online and at branch locations.
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Vehicle and Personal Loan Financing 1 activity
- Lending and Loan ProductsProvides a range of loan products including personal loans with terms up to 48 months, auto loans for various vehicles, home equity loans and lines of credit with CLTV up to 90%, SBA loans, commercial real estate and construction loans, and Share Certificate Secured loans, along with promotional rate discounts.
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Home Equity Lending Services 1 activity
- Offer home equity loans and lines of creditProvides Fixed Rate Home Equity Loans and Home Equity Lines of Credit with various Combined Loan to Value (CLTV) options, including promotional interest rate reductions.
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Uncategorized 4 activities
- Administer loan discounts and promotional ratesOffers promotional interest rate reductions on home equity loans (0.50% off) and auto loans (0.25% off for Benefits Checking account holders), along with illustrative tools showing potential savings from debt consolidation.
- Maintain transparency in account terms and feesProvides comprehensive account and service disclosures detailing interest calculations, transaction limits, and deposit/withdrawal rules, along with a published fee schedule listing all charges. Disclosures are available online, at branches, and by phone request.
- Offer loan discounts and promotional ratesProvides promotional interest rate reductions on home equity loans (0.50% off) and auto loans (0.25% off for Benefits Checking account holders), and illustrates potential savings through debt consolidation examples.
- Support financial transparency and account managementMaintains a public fee schedule listing charges for accounts and services, provides comprehensive account disclosures detailing operations and rules, and makes these materials available online, at branches, and by phone request.
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financials · form 990 · fy2021
revenue
Total revenue$105.41M
Contributions & grants$00%
Program service revenue$92.18M87%
Investment income$11.05M10%
Other revenue$2.18M
expenses
Total expenses$93.15M
Program expenses—
Admin / overhead—
Fundraising—
Salaries & benefits$45.32M
Grants paid out$428K
Largest expense lineCompensation
balance sheet
Total assets$3.04B
Cash$198.86M
Investments$1.28B
Liabilities$2.82B
Net assets$227.13M
Liquid reserves190.3 mo
2 years on record · 2020–2021 · YoY revenue -0.8%
leadership · form 990 part vii · fy2021
who runs it
paid leadership · 25
| Name | Title | Hours/wk | Compensation |
|---|---|---|---|
| RICHARD K REEDY | CEO/PRESIDENT | 40 | $719K |
| MICHAEL BODEN | EVP CFO | 40 | $700K |
| MICHAEL SAMMONS | FINANCIAL ADVISOR | 40 | $517K |
| TORREY JEWETT | FINANCIAL ADVISOR | 40 | $479K |
| MICHAEL JESTER | MORTGAGE ORGINATION SUPERVISOR | 40 | $443K |
| LAURA WORZELLA | EVP COO | 40 | $442K |
| DEBORAH PEARSON | EVP STRATEGY & BRAND | 40 | $380K |
| MICHAEL EMANUELLI | EVP CHIEF ADMINISTRATION OFFICER | 40 | $344K |
| SASSAN AZHADI | SVP CHIEF INFORMATION OFFICER | 40 | $339K |
| KEN BAUER | EVP CLO | 40 | $336K |
| IAN WINGFIELD | DIGITAL BANKING VICE PRESIDENT | 40 | $322K |
| BEAM CHIP GRIFFITH | REGIONAL PRESIDENT II | 40 | $316K |
| ALEX MCELYEA | SVP DATA ANALYTICS & PRODUCT MANAGER | 40 | $294K |
| THOMAS MITCHELL | VP WEALTH MANAGEMENT | 40 | $284K |
| BRIAN JOHNSON | SVP BUSINESS INTELLIGENCE | 40 | $205K |
| MARTHA ROZEN | CHAIRMAN | 2 | $33K |
| RAY O'CONNOR | DIRECTOR | 2 | $27K |
| GEORGANNA MEYER | SECRETARY | 2 | $26K |
| PEARLETTE RAMOS | DIRECTOR | 2 | $26K |
| SAM WHEELER | DIRECTOR | 2 | $26K |
| MARQUETTA WHITE | DIRECTOR | 2 | $25K |
| JOSEPH SMITH | DIRECTOR | 2 | $25K |
| JON BORGE | VICE CHAIRMAN | 2 | $20K |
| RYAN WILLIAMS | TREASURER | 2 | $20K |
| FRANK FELIX | DIRECTOR (THRU 5/21) | 2 | $6K |
relationships · 20
who they work with
- Allstate Partner — Partners with Allstate for identity theft monitoring services offered to Benefits Checking account holders.
- Boys & Girls Club of Flagstaff Partner — Provided grant funding to support the Youth of the Year program, which offers leadership development, academic enrichment, and mentorship opportunities.
- Change Labs Partner — Awarded a $50,000 Legacy Grant to support community development initiatives.
- Department of Housing & Urban Development Government — Directs individuals who believe they have been discriminated against under the Federal Fair Housing Act to send complaints to the Assistant Secretary for Fair Housing and Equal Opportunity at HUD.
- Dress for Success Phoenix Partner — Provided grant funding to support Dress for Success Phoenix's Bank On Arizona program, which offers financial education, career development, and professional attire.
- Friends of Coconino County Parks Partner — Awarded a $140,800 Legacy Grant to support park-related community programs.
- Heartland Partner — Partners to provide merchant services.
- JobPath Partner — Awarded a $30,000 Legacy Grant to support workforce development programs.
- LegalShield Partner — Offers LegalShield services to members at a reduced cost.
- Member Support team Partner — Internal team responsible for assisting members with disclosures, providing support, and mailing paper copies upon request.
- Money Peach Partner — Partners with Money Peach to provide free financial education to members across Arizona.
- NPR Government — Cites NPR as a source for data on Americans living paycheck to paycheck.
- National Credit Union Administration Government — Directs individuals who believe they have been discriminated against under the Federal Fair Housing Act or the Equal Credit Opportunity Act to send complaints to the Office of Consumer Protection at NCUA.
- OneAZ Mobile Banking app Partner — Offers integrated mobile banking services including check deposit, fund transfers, bill payment, and live chat with associates.
- StartUp Tucson Partner — Awarded a $50,000 Legacy Grant to support entrepreneurship in Southern Arizona.
- Travelers Partner — Offers members discounts on Auto and Home Insurance through Travelers.
- Tu Nidito Partner — Provided grant funding to support grief support services for children, teens, young adults, and caregivers in Southern Arizona.
- Valley Leadership Partner — Awarded a $90,000 Legacy Grant to support leadership development initiatives.
- Verde Valley Habitat for Humanity Partner — Partners to help build new housing options for Arizonans in need.
- Visa Partner — Offers various Visa-branded credit cards, including State Forty Eight, Choice Rewards, Signature, and Platinum.