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Arize Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: August 28, 2026
Arize Federal Credit Union's 60 month Term CD rates are at 0.70%, 48 month Term CD rates are at 0.65%, 36 month Term CD rates are at 0.50%, 24 month Term CD rates are at 0.45%, 12 month Term CD rates are at 0.35%. Arize Federal Credit Union's savings rates are at 0.00%. Arize Federal Credit Union's Personal Loan Rates are at 8.49%. MonitorBankRates evaluates the financial stability of Arize Federal Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.33%. Rates last updated and verified on 08/28/2026.
Arize Federal 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 Arize Federal Credit Union? Share your experience about Arize Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Arize Federal Credit Union.
Overall Health & Safety Grade
?
B
Solid HealthScore: 85/100
Overall Health & Safety Grade
Arize Federal Credit Union has earned an overall safety grade of B (Solid, Score: 85/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.6
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Arize Federal Credit Union has earned a Star Rating of 4.6 out of 5 stars (Excellent).
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
?
20.33%
GoodHigher than avg
Arize Federal Credit Union Texas Ratio
Arize Federal Credit Union's Texas Ratio is 20.33%, which is considered good and is higher than the national average of 6.13%.
While Arize Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Arize Federal Credit Union State College Benner Pike
DetailsDividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Business Special Savings
0.30%
0.30%
Min Deposit$0
Min Balance$100
DetailsDividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
IRA Savings
0.30%
0.30%
Min Deposit$0
Min Balance$100
DetailsDividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Savings
0.30%
0.30%
Min Deposit$5
Min Balance$100
DetailsDividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Secondary Share Savings
0.30%
0.30%
Min Deposit$0
Min Balance$100
DetailsDividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Business Savings Balance
0.00%
0.00%
Min Balance$0
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Savings
0.00%
0.00%
Min Balance$0
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Arize Federal Credit Union Checking Rates
Product
Rate
APY
View More
Business Checking
0.20%
0.20%
Min Deposit$0
Min Balance$0
DetailsDividends Compounded Monthly Dividends Credited Monthly Dividend Period Calendar Month
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Essential Checking
0.20%
0.20%
Min Deposit$0
Min Balance$0
DetailsDividends Compounded Monthly Dividends Credited Monthly Dividend Period Calendar Month
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Arize Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Prime Home Equity Variable Line of Credit
-
-
6.49%
No term/revolving
DetailsIntroductory rates** are available for a limited time. After the introductory fixed-rate period of two years, the rate is variable and is currently 6.49% APR, which is equal to the Prime Rate minus a 0.26% margin. *APR = Annual Percentage Rate. This is a variable rate line of credit based on the Prime Rate minus a 0.26% margin. The annual percentage rate can change on the first day of each month. The minimum payment is $100, rounded to the nearest $1.00. The maximum APR is 18%. After you obtain the first advance, the minimum amount of each subsequent advance is $300. **Special Introductory Annual Percentage Rate (APR) of 5.49% is fixed for the first two years from the time of closing and is valid for new home equity line of credit (HELOC) applications. After the introductory fixed-rate period of two years, the rate is variable and currently 6.49% APR, equal to the Prime Rate minus a 0.26% margin. The maximum APR is 18.00%. Promotion offers up to 90% Loan-to-Value financing, applicable to owner-occupied primary residences only. The minimum amount of each advance is $300. No refinancing of an existing Arize FCU Home Equity Line of Credit (HELOC) is allowed. The monthly payment may vary based on the loan balance and market conditions. A $50,000 Home Equity Line of Credit draw at 6.49% APR for two years would result in a monthly payment of $5.41 per thousand borrowed. Property and hazard insurance are required; flood insurance may be required as well. Consult with your tax advisor to explore potential tax benefits. The borrower is responsible for the closing and appraisal costs, typically ranging from $250 to $500, and additional fees may also apply. Arize FCU reserves the right to end this promotional rate at any time. Membership eligibility and a savings account with a $5 opening deposit are required. Applications are subject to approval, and certain additional restrictions may apply. Contact the credit union for further information regarding this promotion. Additional information: Read What You Should Know About Home Equity Lines of Credit . Consult a tax advisor regarding the deductibility of interest. NMLS #648706.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Arize Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicles - 2026, 2025 & New 2024 Loan
-
-
6.24%
0-60 Months
No additional details.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
New Vehicles - 2026, 2025 & New 2024 Loan
-
-
6.49%
61-72 Months
No additional details.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Used Vehicles Loan
-
-
6.74%
0-60 Months
DetailsRate includes 1.00% discount for automatic payment.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Used Vehicles - 2021 or Older Loan
-
-
6.99%
0-60 Months
No additional details.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
New Vehicles - 2026, 2025 & New 2024 Loan
-
-
7.24%
73-84 Months
No additional details.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Used Vehicles Loan
-
-
7.24%
61-72 Months
DetailsRate includes 1.00% discount for automatic payment.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Used Vehicles - 2021 or Older Loan
-
-
7.49%
61-72 Months
No additional details.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Used Vehicles Loan
-
-
8.24%
73-84 Months
DetailsRate includes 1.00% discount for automatic payment.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Arize Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Mastercard Rewards Credit Card
-
12.99%
DetailsRegular APR: 12.99%-18.00%. The foreign transaction fee is 1.00% of each transaction in U.S. dollars. View the full application and solicitation disclosure .
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Arize Federal Credit Union Personal Loan Rates
Product
Rate
APR
View More
Personal Loan
-
8.49%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
8.74%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
8.99%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
9.24%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
9.49%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
10.24%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
10.49%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
10.74%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
10.99%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
11.24%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
12.49%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
12.74%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
12.99%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
13.24%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
13.49%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
13.74%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
13.99%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Personal Loan
-
18.00%
DetailsRates are determined by credit score and loan term. Not all applicants will qualify for the lowest rate. Annual Percentage Rates are subject to change without notice. All loans are subject to credit approval. Payment examples are available upon request. Applicants must meet membership eligibility requirements. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
Last Updated08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.33%
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Arize Federal 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 Arize Federal 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 Arize Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,129,169
Total Uninsured Shares and Deposits > $250K (F+J)
14,129,169
Total Insured Shares and Deposits > $250K (item 17 less item K)
149,788,549
Total Interest Expense (Sum of items 6 8)
1,940,039
Share Certificates
1,025
Number of Accounts for Share Drafts
8,509
IRA KEOGH Accounts
317
Number of Accounts for Regular Shares
15,631
Non Member Deposits
8,000
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,918,909
Total Liabilities
166,286,096
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Arize Federal Credit Union
How many branches does Arize Federal Credit Union operate?
Arize Federal 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 Arize Federal Credit Union?
Yes, to access services at Arize Federal 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, Arize Federal 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, Arize Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Arize Federal Credit Union offer online and mobile banking?
Most modern institutions like Arize Federal 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.arizefcu.org.
Current Arize Federal Credit Union Rates
12-Month CD0.35%
24-Month CD0.45%
60-Month CD0.70%
Savings0.00%
Retrieved from our database of financial products. Rates subject to change.