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Arapahoe Credit Union

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Arapahoe Credit Union Rates & Review September 2026

Q: How many branches does Arapahoe Credit Union operate?

Arapahoe Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Arapahoe Credit Union?

Yes, to access services at Arapahoe Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Arapahoe Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Arapahoe Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

Arapahoe Credit Union's Personal Loan Rates are at 13.99%. MonitorBankRates evaluates the financial stability of Arapahoe Credit Union with a 4.8 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 10.47%. Rates last updated and verified on 09/10/2026.

Arapahoe Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Arapahoe Credit Union? Share your experience about Arapahoe Credit Union by leaving a review below, or read customer reviews before you decide to use Arapahoe Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

4.8

Excellent Out of 5.0 Stars

Texas Ratio

10.47%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Arapahoe Credit Union
Arapahoe Credit Union Admin Office

7201 S Broadway
Littleton, CO 80122

https://www.arapahoecu.org

Arapahoe Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Personal Loan	13.99%	12-60M
No additional details. Last Updated 09/09/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 10.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Arapahoe Credit Union’s Texas Ratio fell from 17.56% in Q2 2023 to 10.47% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 4.8 and its Health Grade from B+ to A-. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$157M	10.47%	4.8	A-
December 31, 2025	$156M	17.40%	4.6	B
September 30, 2025	$156M	13.95%	4.6	B+
June 30, 2025	$156M	13.78%	4.7	B+
March 31, 2025	$155M	13.21%	4.7	A-
December 31, 2024	$154M	16.63%	4.8	B+
September 30, 2024	$153M	17.89%	4.7	B+
June 30, 2024	$158M	27.51%	3.7	C
March 31, 2024	$162M	29.57%	3.4	D
December 31, 2023	$164M	27.44%	3.5	C-
September 30, 2023	$167M	19.65%	4.6	B
June 30, 2023	$172M	17.56%	4.8	B+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Arapahoe Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Arapahoe Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Arapahoe Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Arapahoe Credit Union

Website https://www.arapahoecu.org

Address 7201 S Broadway, Littleton, CO 80122

Phone 303-740-7063

Fax 303-740-7164

President Bruce Karr

CEO Scott Ferndelli

Full-Time Employees 32

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.8 / 5.0 ★

Overall Health & Safety Grade

A- (92/100)

Texas Ratio

10.47%

Return on Assets (ROA)

0.0549%

Return on Equity (ROE)

0.8116%

Non-Performing Loans Ratio (NPL)

1.37%

Total Assets

157,312,428

Total Amount of Shares and Deposits

146,177,211

Total Shares and Deposits < 1 Year

129,875,655

Total Shares and Deposits 1 3 Years

15,127,241

Total Shares and Deposits > 3 Years

1,174,315

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,493,425

Total Uninsured Shares and Deposits > $250K (F+J)

6,493,425

Total Insured Shares and Deposits > $250K (item 17 less item K)

139,683,786

Total Interest Expense (Sum of items 6 8)

446,698

Share Certificates

1,396

Number of Accounts for Share Drafts

3,756

IRA KEOGH Accounts

236

Number of Accounts for Regular Shares

10,092

All other shares

Money Market Shares

851

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Adequately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

20,284,733

Total Liabilities

146,504,332

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Arapahoe Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Arapahoe Credit Union

How many branches does Arapahoe Credit Union operate?

Arapahoe Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Arapahoe Credit Union?

Yes, to access services at Arapahoe Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Arapahoe Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Arapahoe Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Arapahoe Credit Union offer online and mobile banking?

Most modern institutions like Arapahoe Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.arapahoecu.org.