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Advertiser Disclosure
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 Arbor Financial Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Arbor Financial Credit Union's 6 Month CD rates are at 3.35%, 12 Month CD rates are at 3.15%, 60 Month CD rates are at 2.50%, 48 Month CD rates are at 2.25%, 36 Month CD rates are at 1.75%. Arbor Financial Credit Union's savings rates are at 0.05%. Arbor Financial Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Arbor Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.24%. Rates were last updated on 04/19/2026. Arbor Financial 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 Arbor Financial Credit Union? Share your experience about Arbor Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Arbor Financial Credit Union. Arbor Financial Credit Union
Main Office 1551 S 9TH ST
https://www.arborfcu.org KALAMAZOO, MI 49009 9404 
Arbor Financial Credit Union CD Rates
Arbor Financial Credit Union Savings Rates
Arbor Financial Credit Union Checking Rates
Arbor Financial Credit Union Home Equity & HELOC
Arbor Financial Credit Union Auto Loan Rates
Arbor Financial Credit Union Credit Card Rates
Arbor Financial Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Arbor Financial 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 Arbor Financial 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 Arbor Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Arbor Financial Credit Union
Website
https://www.arborfcu.org
Address
1551 S 9TH ST,
KALAMAZOO, MI 49009 9404
Phone
269-375-6702
Fax
269-544-3488
President
David Aubry
CEO
Julie Blitchok
Full-Time Employees
176
Part-Time Employees
17
Branch Locations
13
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.24%
Return on Assets (ROA)
0.5116%
Return on Equity (ROE)
5.1212%
Non-Performing Loans Ratio (NPL)
1.47%
Total Assets
898,138,077
Total Amount of Shares and Deposits
767,146,583
Total Shares and Deposits < 1 Year
736,306,305
Total Shares and Deposits 1 3 Years
29,551,164
Total Shares and Deposits > 3 Years
1,289,114
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
63,427,422
Total Uninsured Shares and Deposits > $250K (F+J)
87,239,422
Total Insured Shares and Deposits > $250K (item 17 less item K)
679,907,161
Total Interest Expense (Sum of items 6 8)
10,239,387
Share Certificates
1,923
Number of Accounts for Share Drafts
39,754
IRA KEOGH Accounts
1,093
Number of Accounts for Regular Shares
61,126
All other shares
3,663
Non Member Deposits
5
Money Market Shares
4,015
Net Income (unless the amount is already included in Undivided Earnings)
4,594,957
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
56,121,415
Total Liabilities
824,301,805
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Arbor Financial Credit UnionIs Arbor Financial Credit Union a safe place to deposit money?Yes, Arbor Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 11.242226953596%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Arbor Financial Credit Union operate?Arbor Financial 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 Arbor Financial Credit Union?Yes, to access services at Arbor Financial 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, Arbor Financial 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, Arbor Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Arbor Financial Credit Union offer online and mobile banking?Most modern institutions like Arbor Financial 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.arborfcu.org. Current Arbor Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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