What are the current interest rates at Arrha Credit Union?

Current rates for Arrha Credit Union include: 12-Month CD: 3.35%, 18-Month CD: 3.25%, 24-Month CD: 2.00%, 60-Month CD: 0.90%, Savings: 0.10%, MMA: 0.25%

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Arrha Credit Union

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Arrha Credit Union Rates & Review September 2026

Q: How many branches does Arrha Credit Union operate?

Arrha 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 Arrha Credit Union?

Yes, to access services at Arrha 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, Arrha 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, Arrha 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 9, 2026

Arrha Credit Union's 3 Month Premium rates are at 3.65%, 6 Month Premium rates are at 3.65%, 3 Month CD rates are at 3.55%, 5 Month (Non-IRA CDs only) rates are at 3.55%, 6 Month CD rates are at 3.55%. Arrha Credit Union's savings rates are at 0.10%. Arrha Credit Union's money market rates are at 0.25%. Arrha Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Arrha Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.55%. Rates last updated and verified on 09/09/2026.

Arrha 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 Arrha Credit Union? Share your experience about Arrha Credit Union by leaving a review below, or read customer reviews before you decide to use Arrha Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.55%

Excellent Lower than avg

Health Trend

Improving 11 quarters

Full history ›

Arrha Credit Union
Springfield Office

145 Industry Ave
Springfield, MA 01104-3222

https://www.arrhacu.com

Arrha Credit Union CD Rates

Product	Rate	APY	Term
3 Month Premium	3.59%	3.65%	3 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
6 Month Premium	3.59%	3.65%	6 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
3 Month Certificate	3.49%	3.55%	3 Month
Min Deposit $500 Min Balance $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
5 Month (Non-IRA certificates only)	3.49%	3.55%	5 Month
Min Deposit $250 Min Balance $250 Details Non-IRA certificates only Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
6 Month Certificate	3.49%	3.55%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
9 Month Certificate	3.49%	3.55%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
12 Month Premium	3.40%	3.45%	12 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
12 Month Certificate	3.30%	3.35%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
18 Month Premium	3.30%	3.35%	18 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
18 Month Certificate	3.20%	3.25%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
24 Month Premium	2.08%	2.10%	24 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
24 Month Certificate	1.98%	2.00%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
36 Month Premium	1.14%	1.15%	36 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
36 Month Certificate	1.05%	1.05%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
60 Month Premium	1.00%	1.00%	60 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
48 Month Premium	0.95%	0.95%	48 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
60 Month Certificate	0.90%	0.90%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
48 Month Certificate	0.85%	0.85%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Arrha Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	2.81%	2.85%
Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
High Yield Savings	1.98%	2.00%
Min Deposit $10,000 Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Back to School Club	0.20%	0.20%
Min Deposit $5 Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Holiday Club	0.20%	0.20%
Min Deposit $5 Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Vacation Club	0.20%	0.20%
Min Deposit $5 Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Premium Savings	0.15%	0.15%
Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Business Main Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
IRA Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Membership Savings (Main Share)	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Savings (Share Savings)	0.10%	0.10%
Min Deposit $5 Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Arrha Credit Union Money Market Rates

Product	Rate	APY
Business Money Market	3.35%	3.40%
Min Balance $1,000,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market Accounts	3.35%	3.40%
Min Balance $1,000,000 Details The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Business Money Market	1.49%	1.50%
Min Balance $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market Accounts	1.49%	1.50%
Min Balance $250,000 Details The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Business Money Market	1.00%	1.00%
Min Balance $100,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market Accounts	1.00%	1.00%
Min Balance $100,000 Details The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Business Money Market	0.75%	0.75%
Min Balance $50,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market Accounts	0.75%	0.75%
Min Balance $50,000 Details The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Business Money Market	0.50%	0.50%
Min Balance $25,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market Accounts	0.50%	0.50%
Min Balance $25,000 Details The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Business Money Market	0.25%	0.25%
Min Deposit $25 Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market Accounts	0.25%	0.25%
Min Deposit $25 Min Balance $0 Details The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Arrha Credit Union Checking Rates

Product	Rate	APY
Interest Checking	0.05%	0.05%
Min Balance $5,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Interest Checking	0.02%	0.02%
Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Arrha Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - Primary and Secondary residences only	6.50%	-	6.50%	Up to 5 Years
Details Max LTV: 80%; Max Loan Amount: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Lines of Credit (HELOC) - Adjustable Rate	-	-	6.75%
Details Intro Rate: 6.750%; Margin: 0.00%; Index: 6.75%; Max LTV: 80%; Max: $250,000; Estimated fees to open a Home Equity Line of Credit are typically $0. If required: third-party fees may include appraisal, trust review, recording, title, or other applicable settlement-related fees. An early termination fee of $300 applies if the line is closed within the first 36 months. Fees from $0 to $1,250. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loan - Primary and Secondary residences only	6.99%	-	6.99%	10 Years
Details Max LTV: 80%; Max Loan Amount: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - 10 Years	6.99%	-	6.99%	10 Years
Details Max LTV: 80%; Max: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loan - Primary and Secondary residences only	7.25%	-	7.25%	15 Years
Details Max LTV: 80%; Max Loan Amount: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - 15 Years	7.25%	-	7.25%	15 Years
Details Max LTV: 80%; Max: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loan - Primary and Secondary residences only	7.50%	-	7.50%	Up to 5 Years
Details Max LTV: 90%; Max Loan Amount: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - 20 Years	7.50%	-	7.50%	20 Years
Details Max LTV: 80%; Max: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Lines of Credit (HELOC) - Adjustable Rate	-	-	7.75%
Details Intro Rate: 7.750%; Margin: 1.00%; Index: 6.75%; Max LTV: 90%; Max: $250,000; Estimated fees to open a Home Equity Line of Credit are typically $0. If required: third-party fees may include appraisal, trust review, recording, title, or other applicable settlement-related fees. An early termination fee of $300 applies if the line is closed within the first 36 months. Fees from $0 to $1,250. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loan - Primary and Secondary residences only	7.99%	-	7.99%	10 Years
Details Max LTV: 90%; Max Loan Amount: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - 10 Years	7.99%	-	7.99%	10 Years
Details Max LTV: 90%; Max: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loan - Primary and Secondary residences only	8.25%	-	8.25%	15 Years
Details Max LTV: 90%; Max Loan Amount: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - 15 Years	8.25%	-	8.25%	15 Years
Details Max LTV: 90%; Max: $250,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Arrha Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.74%	Up to 36 months
Details As Low As; Model Years 2026 - 2021; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per day is calculated using the highest term in the range. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Auto Loans	-	-	4.99%	37 to 48 months
Details Model Years 2026 - 2021; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per day is calculated using the highest term in the range. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Auto Loans	-	-	5.49%	67 to 75 months
Details Model Years 2026 - 2021; To qualify for these rates, newly established direct deposit relationships of a minimum of $1,000 per month into any deposit account must be initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposit includes deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per day is calculated using the highest term in the range. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
New Leisure Vehicles Loan	-	-	8.84%	66 months
Details As Low As; Advertised rate(s) available on New Recreational Vehicle Loans of Model Year 2024 or newer with a maximum loan to value (LTV) of 95% or less and less than 10,001 miles. All Product offerings are subject to individual applicant credit worthiness. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Used Leisure Vehicles Loan	-	-	9.84%	66 months
Details As Low As; Advertised rate(s) available on Used Recreational Vehicle Loans of Model Year 2024 or older with a maximum loan to value (LTV) of 95% or less and more than 10,000 miles. All Product offerings are subject to individual applicant credit worthiness. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Arrha Credit Union Personal Loan Rates

Product	APR	Term
Peace of Mind Unsecured Loan	9.99%
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Personal Unsecured Loans	10.99%
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Smart Choice Unsecured Loan	10.99%	up to 60 months
Details As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

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

Arrha Credit Union’s Texas Ratio fell from 7.49% in Q2 2023 to 3.55% in Q4 2025, so its financial health has improved and is now very strong over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A 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
December 31, 2025	$160M	3.55%	5.0	A+
September 30, 2025	$163M	3.84%	5.0	A+
June 30, 2025	$165M	6.73%	5.0	A
March 31, 2025	$155M	1.58%	5.0	A+
December 31, 2024	$150M	2.79%	5.0	A+
September 30, 2024	$150M	5.02%	5.0	A+
June 30, 2024	$148M	0.53%	5.0	A+
March 31, 2024	$141M	0.22%	5.0	A+
December 31, 2023	$140M	3.70%	5.0	A+
September 30, 2023	$139M	3.04%	5.0	A+
June 30, 2023	$141M	7.49%	5.0	A

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 Arrha 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 Arrha 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 Arrha Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Arrha Credit Union

Website https://www.arrhacu.com

Address 145 Industry Ave, Springfield, MA 01104-3222

Phone 413-732-9812

Fax 413-737-7635

President Todd Cieplinski

CEO Michael Ostrowski

Full-Time Employees 28

Part-Time Employees 5

Branch Locations 4

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.55%

Return on Assets (ROA)

-1.1416%

Return on Equity (ROE)

-16.3103%

Non-Performing Loans Ratio (NPL)

0.32%

Total Assets

159,519,304

Total Amount of Shares and Deposits

133,063,982

Total Shares and Deposits < 1 Year

128,463,731

Total Shares and Deposits 1 3 Years

4,597,750

Total Shares and Deposits > 3 Years

2,501

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

8,644,465

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

8,644,465

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

124,419,517

Total Interest Expense (Sum of items 6 8)

2,903,188

Share Certificates

1,129

Number of Accounts for Share Drafts

4,119

IRA KEOGH Accounts

118

Number of Accounts for Regular Shares

8,044

All other shares

178

Non Member Deposits

Money Market Shares

164

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)

5,357,792

Total Liabilities

148,655,460

Source: NCUA — Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Arrha Credit Union

How many branches does Arrha Credit Union operate?

Arrha 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 Arrha Credit Union?

Yes, to access services at Arrha 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, Arrha 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, Arrha Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Arrha Credit Union offer online and mobile banking?

Most modern institutions like Arrha 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.arrhacu.com.

Current Arrha Credit Union Rates

12-Month CD3.35%
18-Month CD3.25%
24-Month CD2.00%
60-Month CD0.90%
Savings0.10%
MMA0.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Arrha Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Arrha Credit Union Texas Ratio

Arrha Credit Union Health Trend

Arrha Credit Union CD Rates

Arrha Credit Union Savings Rates

Arrha Credit Union Money Market Rates

Arrha Credit Union Checking Rates

Arrha Credit Union Home Equity & HELOC

Arrha Credit Union Auto Loan Rates

Arrha Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Arrha Credit Union

How many branches does Arrha Credit Union operate?

Is a member application needed to join Arrha Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Arrha Credit Union offer online and mobile banking?

Current Arrha Credit Union Rates

Compare to Other Credit Unions