Johanna Klomann knows Flagstaff. She has built a life in Northern Arizona ever since her family moved there when she was just two years old. Around that time is also when her parents established a personal savings account for her with OneAZ Credit Union. And for someone with a self-proclaimed aversion to change, Johanna has continued to bank with OneAZ ever since. Fast forward to graduation day at Northern Arizona University on a warm May day with a degree in accounting. Johanna had interned … [Read more...] about A Lifelong Relationship with OneAZ
OneAZ
How Can You Improve Your Credit Score?
Your credit score is used by financial institutions and lenders to determine how much money you may borrow for a loan or credit card. A higher credit score may mean lower interest rates and better credit limits, while a low score could mean you get denied for credit. What does your score mean, and how do lenders – and even landlords and employers – use it to determine their decision? Here’s how. Your credit score is calculated based on several financial factors. Credit scores are based on … [Read more...] about How Can You Improve Your Credit Score?
Navigating Small Business Lending Opportunities
Navigating as a small business owner can be daunting, especially during a pandemic. But with a little insight and planning, businesses can chart a smart course through uncertain times. Have lenders changed operations or lending procedures during the COVID-19 pandemic? Certainly, some lenders are stepping back and scrutinizing their practices right now. Typically, when you see a volatile market, commercial lenders are the first to step back so they can watch and see what happens with the … [Read more...] about Navigating Small Business Lending Opportunities
Rural Business Banking: More Options Than Ever
When you keep money local throughout the spending cycle, it works with you to strengthen the dollar and enhance the local economy. Rural businesses have traditionally been limited to large national banks for their comprehensive business services. All that has changed in recent years, however, with credit unions evolving their business services and offering better rates to empower rural businesses. Here are a few things to consider when choosing the right financial institution for your … [Read more...] about Rural Business Banking: More Options Than Ever
Addressing the Verde Valley Housing Crisis
In response to a growing need for affordable housing, Habitat for Humanity opened its doors to the Verde Valley community in 1995. Committed to “building strength, stability and self-reliance through shelter,” the organization offers affordable housing to first-time homebuyers who need a little assistance in finding a place to call home. When Verde Valley Habitat for Humanity works with a family in need, they don’t just give them a place to live, they empower them to achieve financial … [Read more...] about Addressing the Verde Valley Housing Crisis
Five Ways to Keep Your Money Local
In the age of two-day shipping and convenient megastores, it’s easy to think that opting for a national brand is the best use of your money. However, supporting Arizona businesses and organizations means your money stays local, through taxes, investments and more. That means that your hard-earned money, once spent, continues to work for you and improve the economy. Local First Arizona Executive Director Thomas Barr believes that every Arizonan can support the economy by spending money at … [Read more...] about Five Ways to Keep Your Money Local
Remodeling Your Home on Any Budget
When it comes to updating your home, the expenses can feel daunting. You may be trying to increase the curb appeal of your home in preparation to sell, or perhaps it’s just time for a new look that you can enjoy for years to come. Regardless, it’s important to make the most of the money you have for whatever project you’re considering. Whether you’re starting small with a kitchen refresh or overhauling your entire house, check out these tips for making your home look great on any … [Read more...] about Remodeling Your Home on Any Budget
Five Essential Steps to Start your Business
You have a brilliant idea for a new business. The easy part is done! Now, it’s time to dig into the more challenging aspect of entrepreneurship: the five essential steps that get you from idea to reality and, of course, profit. Do the research. It’s important to understand what you’re getting into before you start. Research similar businesses to understand how they’re prospering – or why they’re not. Know the market, and the appetite and needs of your audience. Understanding these needs … [Read more...] about Five Essential Steps to Start your Business
OneAZ Partners with Local First Arizona and State Forty Eight to Support Local Businesses
OneAZ Credit Union is continuing its long-standing tradition of contributing to Arizona’s economy through new partnerships with Local First Arizona and State Forty Eight, each designed to bring more awareness to the power of keeping money local. “The more dollars staying in the state, the more prosperous our economy becomes. With member-owned credit unions like OneAZ offering both personal and business banking options, it’s possible to keep money local throughout its lifecycle,” said President … [Read more...] about OneAZ Partners with Local First Arizona and State Forty Eight to Support Local Businesses
Snagging the Best Price for Your New Car
There’s nothing like that new car smell, but the car-buying process can be daunting when you consider the steps it takes to drive off the lot. Discover everything you need to know to get the best price for your next big purchase, and you’ll be doing a victory lap around the dealership in no time! Research. Do the bulk of your research at home before even setting foot onto a car lot. Browse nearby dealerships’ websites to see who has the best price and start there. If you’re set on a specific … [Read more...] about Snagging the Best Price for Your New Car
