If anyone has ever had their financial account hacked or scammed through their home system, you know the pain and frustration I'm feeling. I was watching it happen and helpless to stop. Long day short - I called the customer service and immediately DJ at corporate investigations was put on the line and after confirming my identity started locking any and all accesses to my AZ One accounts. Then said - unplug your system (and get it checked). Once done, he said go to a branch and the would help do what was needed. So I went in thinking this would be weeks to straighten out with no funds to live on. OMG The customer service was fabulous! David Leon, is AMAZING. He calmed me down and got to work. He thought of things I never thought of - closing out accounts, log-ins, passwords, apps, direct deposits, auto pays, everything! He was able to get my accounts closed, open new ones and retrieve all my money and put it back where it was supposed be. Branch Mgr Wendy - great too! She stopped by to see how things were going and step in if higher authority was needed to speed them up when needed. When I left, I had my new card, accounts and was ready to go. I'm astounded at the speed, care and details that were handled while I was there, in only one visit. AND I received a followup call from David a couple days later to make sure everything was working and I hadn't missed anything. This is truly the way customers should be treated. I would give more than 5-star if I could. Thank you for taking such good care of me David and Wendy, and caring for customers. Forever an AZ One customer. - Crystal S. read more

(UPDATE 11/1/17: I called their 1-844 number for an issue I had more then a few times. I've spoken to two people who weren't educated on types of features OneAz offers. I went into this branch today and the lovely Justin helped me resolve my issue in the matter of seconds! He told me "I don't know why the phone reps are telling you we can't do that because In fact we can and it is possible" I think OneAz needs to retrain their call center reps because they seem like they don't know it all and almost lost a customer for an issue they said they didn't have when they really did.) I went here to open an account. Staff seemed friendly and knowledgeable. I had to wait to be seen the staff seemed busy but I didn't mind I was in no rush. The manager came out and made sure I got seen right away it surprised me I've never had that happen to me at any financial institution before. It was nice. Like I said I just opened an actual checking account the lady who helped me was able to answer any and all question I had. I've had an auto loan with OneAz for a year and a half and have had nothing but good experiences. I can't wait to see what the future holds with OneAz Credit Union! read more

I had four days to secure financing for a lease option buyout on a Tacoma. Every lender we spoke to said it wasn't possible to move that quickly. That is until we spoke with Theo and his team at AZOne Credit Union in Gilbert. I have never had a lender work so hard to help secure financing for me as Theo did. He handled everything from start to finish and he did it in record time. Their knowledge, experience, and work ethic are unreal. Even to this day (2 months later) if I have a questions Theo gets back to me in minutes even though he's swamped with other happy customers. I'd refer anybody looking for financing to consider Theo and his team at AZOne Credit Union in Gilbert. Truly exceptional experience with them. read more

I am 78 years old and remember when banks and credit unions cared about their customers. Wendy Adams and her staff remind me of the "good old days". Wendy has taken a real interest in my business, The Rogue Tomato, with suggestions on how to improve it via advertising, promotions and customer service. She has visited my restaurant giving me feed back on her experience. Wendy's staff is also exceptional. They greet me by name when I visit the bank. They also have supported the restaurant, visiting it and giving me feedback. As five stars says"Woohoo! As good as it gets" It really reminds me of the good old days when banking was about the customer and not just collecting fees read more

Thank you to Theo Lugo! Oh my goodness...where to start. From the moment we sat down with Theo and through the process so far, with various items, he has treated us with respect and patience. Being seniors he never once stooped to condescention and always listened to our input and ideas then offered up creative avenues for us to think about. A true gentleman that puts his customer first while at the same time with, professionalism and skill, keeps in mind his banking loyalty. We now have a personal banker who we look forward to working with over the years read more

I just recently worked with OneAZ Credit Union because I was looking for a loan to buy a new car. It was my first time doing something like that so it was a little overwhelming, especially since I had no idea how any of it worked. Fortunately, I had the good luck of working with Theo who was super kind and helpful through out the entire process. He took his time explaining things to me and always got back to me when I had questions or concerns. I really appreciated his patience and dedication and would definitely refer friends and family to him! read more

I had thee best experience at the One Az branch on 10/5, Friday afternoon. Wendy the branch manager went above and beyond to make sure my needs were met. She blessed me this day with the help she graciously provided. I recommend this location to everyone to get there business done, customer service deserves rewarded, the facility is run professionally and everyone is pleasant and when you walk in you are taken care of in a timely manner. Thank you! read more

My wife and recently joined OneAZ and are blown away by the help and service that Theo provided us. We originally went in for an auto loan and a week later we were meeting for a refinance. Theo helped us with both loans and made things easy to understand, he followed up with us quickly and was prompt to answer questions. Without reservation I would highly recommend working with Theo and his team at OneAZ. read more

We recently went in to get a loan through Tony Huerta, and he did an outstanding job guiding us through the entire process. He explained everything clearly and made sure we understood each step. We were extremely pleased with the service we received and would definitely return in the future. The facility was also very clean and well-maintained, which added to the overall positive experience. read more

Theo Lugo always provides great service to us. It's refreshing to have a young person have an old school work ethic these days. He's very accomodating, conscientious, and professional. What we appreciate most is that he is honest and doesn't make things up. If he doesn't know the answer, he tells us and seeks assistance to get the correct answer. Very promising future for this young man! read more

I was directed by a girlfriend regarding OneAz Credit Union. I am glad I did stop in and openned an account. Theo Lugo I had worked with several years before elsewhere. Theo Lugo has been exceptional in professionalism, timeliness in returning phone calls, walked me thru several account opennings when "other" entities are involved. I am glad he's my "banker". read more

I wanted to take the time and thank Wendy for helping me! She introduced me to some amazing options for taking out a small loan during a tough time in my life. She explained everything and conducted business in a very professional manner. I highly recommend talking with her about any loan. She is very knowledgeable in banking and a very personable to speak with. read more

A+++ From the moment you walk in the door the staff is friendly and helpful! I have both my personal and business account here. Every time I need help the staff goes above and beyond! The office is clean and welcoming. I love that I can use my debit card at just about any ATM, without a fee. I would recommend the Union Hills location to anyone! read more

Theodore Lugo ,Personal Banker II, NMLS# 1585781, 8285 W. Union Hills Dr., Suite 106, Glendale, AZ 85308 was extremely helpful with my application and purchase of a new Truck. Theo was very professional and informative, he made sure I understood all my options and what to expect next. Made the entire experience very enjoyable. read more

Had wonderful experience working with Theo Lugo. He greets us with smile and makes us comfortable to clear our queries/doubts. He has guided us as a financial advisor in chosing the right account and helped us in our loan process. Thank you Theo and its great to work with you at the Glendale office. Regards, Madhuri and Tulasi read more

July 30 , 2025 A note of appreciation for Corey and Theo for their recent help. They were very knowledgeable, understanding, helpful, and thorough. They took the time to make sure I understood things. Both have the technical and interpersonal skills that make them very suitable for their profession. Kudos and many thanks. read more

We worked with Theo for a personal loan setup to consolidate 2 contracts that were going to crush our budget! The branch manager got us started, and Theo helped us finish the process. He was a huge help in making sure we understood the benefits, and the details in accomplishing what worked best for us. read more

Theo helped us refinance the loan on our Acura, and this was done in very thorough manner even though we were walk ins and had not made an appointment. He took the time needed and thoroughly explained the process as we completed it.The service that we received was exceptional. read more

Theo was teriffic. He provided amazing service by listening to us and finding the best way to provide for our needs. He went above and beyond by giving us the time necessary to ask questions and find the solution for us. We appreciate his great service. Richard and Carol read more