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Arize Federal Credit Union Rates & Review October 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: October 13, 2026
Arize Federal Credit Union's top rates as of October 13, 2026 are 4.50% APY on its Term CDs - 11-Month Special CD, 1.95% APY on savings, 4.08% APY on checking, personal loans from 8.49% APR, and credit cards from 12.99% APR, according to rates verified by MonitorBankRates. Other Arize Federal Credit Union CD rates include 13 Month Business CD at 4.05%, Term CDs - 13-Month Special at 4.05%, and 60 Month Business CD at 0.70%. MonitorBankRates evaluates the financial stability of Arize Federal Credit Union with a 4.8 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.86%. Rates last updated and verified on 10/13/2026.
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
?
A-
Very Good HealthScore: 90/100
Overall Health & Safety Grade
Arize Federal Credit Union has earned an overall safety grade of A- (Very Good, Score: 90/100).
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
?
4.8
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Arize Federal Credit Union has earned a Star Rating of 4.8 out of 5 stars (Exceptional).
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
?
16.86%
GoodHigher than avg
Arize Federal Credit Union Texas Ratio
Arize Federal Credit Union's Texas Ratio is 16.86%, 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.
5.16% to 16.86% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.8, Health Grade A+ to A-
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Arize Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Term Share Certificates - 11-Month Special
4.40%
4.50%
11-Month
Min Deposit$500
DetailsDividend Rate column; APY* column
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.50% APY
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Term Share Certificates - 13-Month Special
3.97%
4.05%
13-Month
Min Deposit$500
DetailsDividend Rate column; APY* column
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
Oct 13, 20264.05%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Term Share Certificates - 60 month
0.70%
0.70%
60 Months
Min Deposit$500
DetailsDividend Rate column; APY* column
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Term Share Certificates - 48 month
0.65%
0.65%
48 Months
Min Deposit$500
DetailsDividend Rate column; APY* column
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Term Share Certificates - 36 month
0.50%
0.50%
36 Months
Min Deposit$500
DetailsDividend Rate column; APY* column
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Term Share Certificates - 24 month
0.45%
0.45%
24 Months
Min Deposit$500
DetailsDividend Rate column; APY* column
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Term Share Certificates - 12 month
0.35%
0.35%
12 Months
Min Deposit$500
DetailsDividend Rate column; APY* column
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Term Share Certificates - 3 month
0.30%
0.30%
3 Months
Min Deposit$1,000
DetailsDividend Rate column; APY* column
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Term Share Certificates - 6 month
0.30%
0.30%
6 Months
Min Deposit$1,000
DetailsDividend Rate column; APY* column
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Arize Federal Credit Union Business CD Rates
Product
Rate
APY
Term
View More
13 Month Business Certificate
3.97%
4.05%
13 Months
Min Deposit$500
DetailsBusiness Deposit Rates; Certificate Rates; Special rate
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
60 Month Business Certificate
0.70%
0.70%
60 Months
Min Deposit$500
DetailsBusiness Deposit Rates; Certificate Rates
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
48 Month Business Certificate
0.65%
0.65%
48 Months
Min Deposit$500
DetailsBusiness Deposit Rates; Certificate Rates
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
36 Month Business Certificate
0.50%
0.50%
36 Months
Min Deposit$500
DetailsBusiness Deposit Rates; Certificate Rates
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
24 Month Business Certificate
0.45%
0.45%
24 Months
Min Deposit$500
DetailsBusiness Deposit Rates; Certificate Rates
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
12 Month Business Certificate
0.35%
0.35%
12 Months
Min Deposit$500
DetailsBusiness Deposit Rates; Certificate Rates
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
3 Month Business Certificate
0.30%
0.30%
3 Months
Min Deposit$1,000
DetailsBusiness Deposit Rates; Certificate Rates
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
6 Month Business Certificate
0.30%
0.30%
6 Months
Min Deposit$1,000
DetailsBusiness Deposit Rates; Certificate Rates
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Arize Federal Credit Union Savings Rates
Product
Rate
APY
View More
Insured Plus Savings
1.93%
1.95%
Min Balance$250,000
DetailsBalance: $250,000.00 and over
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.95% APY
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
IRA Savings
0.20%
0.20%
Min Deposit$0
Min Balance$100
DetailsMonthly Fee $0.00; Dividends compounded and credited Quarterly; Dividend Period Calendar Quarter
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.30% → 0.20% ▼ 0.10 pts · high 0.30% / low 0.20%
Oct 5, 20260.20%▼ from 0.30%
Sep 14, 20260.30%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Savings
0.20%
0.20%
Min Deposit$5
Min Balance$100
DetailsDividend Rate 0.20%; Monthly Fee $0.00; Dividends compounded and credited Quarterly; Dividend Period Calendar Quarter
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.30% → 0.20% ▼ 0.10 pts · high 0.30% / low 0.20%
Oct 5, 20260.20%▼ from 0.30%
Sep 14, 20260.30%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Secondary Share Savings
0.20%
0.20%
Min Deposit$0
Min Balance$100
DetailsMonthly Fee $0.00; Dividends compounded and credited Quarterly; Dividend Period Calendar Quarter
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.30% → 0.20% ▼ 0.10 pts · high 0.30% / low 0.20%
Oct 5, 20260.20%▼ from 0.30%
Sep 14, 20260.30%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Arize Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Insured Plus Savings
1.93%
1.95%
Min Balance$250,000
DetailsBalance: $250,000.00 and over
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.95% APY
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Commercial Share Savings
1.00%
1.00%
Min Deposit$5
Min Balance$100
DetailsMonthly fee $0.00; Dividends compounded and credited quarterly; Dividend period calendar quarter
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Business Savings
0.30%
0.30%
Min Deposit$5
Min Balance$100
DetailsMonthly fee $0.00; Dividends compounded and credited quarterly; Dividend period calendar quarter
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Business Special Savings
0.30%
0.30%
Min Deposit$0
Min Balance$100
DetailsMonthly fee $0.00; Dividends compounded and credited quarterly; Dividend period calendar quarter
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Arize Federal Credit Union Checking Rates
Product
Rate
APY
View More
Essential Checking
0.20%
0.20%
Min Deposit$0
Min Balance$0
DetailsMonthly Fee $0.00; Dividends compounded and credited Monthly; Dividend Period Calendar Month
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Arize Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
Elevate Business Checking
4.00%
4.08%
Min Deposit$0
Min Balance$0
DetailsPublished APY range: 4.08%-4.08%. Balance: $0.00-$1,000.00; Monthly service fee $10.00; Dividends compounded and credited monthly; Tiered schedule also applies to Elevate Plus Business and Elevate Non-Profit
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 2 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Elevate Business Checking
-
4.08%
Min Deposit$0
Min Balance$1,000
DetailsPublished APY range: 4.08%-3.46%. Balance: $1,000.01-$2,500.00; Monthly service fee $10.00; Dividends compounded and credited monthly; Tiered schedule also applies to Elevate Plus Business and Elevate Non-Profit
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 2 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Elevate Business Checking
-
3.46%
Min Deposit$0
Min Balance$2,500
DetailsPublished APY range: 3.46%-2.76%. Balance: $2,500.01-$5,000.00; Monthly service fee $10.00; Dividends compounded and credited monthly; Tiered schedule also applies to Elevate Plus Business and Elevate Non-Profit
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 3.46% APY · checked 2 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Business Checking
0.20%
0.20%
Min Deposit$0
Min Balance$0
DetailsMonthly fee $0.00; Dividends compounded and credited monthly; Dividend period calendar month
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Arize Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Prime Home Equity Variable Line of Credit
-
-
6.74%
No term/revolving
DetailsIntro/promo APR: 5.74%; Intro rate expires: 24 months; Regular APR: 6.74% (variable, Prime Rate minus 0.26% margin; maximum APR 18%); Introductory fixed-rate period of 24 months; up to 90% LTV promotion for owner-occupied primary residences; minimum advance $300; membership eligibility and a savings account with a $5 opening deposit required
Last Updated10/13/2026
Rate History
3 changes since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 5.49%
No change since Sep 14, 2026 · 12.24% APR · checked 3 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Recreational Vehicles Loan
-
12.24%
61-84 Months
DetailsPublished APR range: 12.24%-18.00%.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 12.24% APR · checked 8 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Recreational Vehicles Loan
-
12.64%
85-120 Months
DetailsPublished APR range: 12.64%-18.00%. Recreational vehicles over $25,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 12.64% APR · checked 8 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Arize Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Mastercard Rewards Credit Card
-
12.99%
DetailsPublished APR range: 12.99%-18.00%. APR range as shown on page
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 8 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Arize Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Personal Loan
8.49%
Up to 12 Months
DetailsCredit Tier: A+ (760+); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.49% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
8.74%
13-36 Months
DetailsCredit Tier: A+ (760+); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.74% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
8.99%
37-48 Months
DetailsCredit Tier: A+ (760+); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.99% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
9.24%
49-60 Months
DetailsCredit Tier: A+ (760+); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.24% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
9.49%
61-84 Months
DetailsCredit Tier: A+ (760+); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.49% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
10.24%
Up to 12 Months
DetailsCredit Tier: A (720-759); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.24% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
10.49%
13-36 Months
DetailsCredit Tier: A (720-759); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.49% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
10.74%
37-48 Months
DetailsCredit Tier: A (720-759); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.74% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
10.99%
49-60 Months
DetailsCredit Tier: A (720-759); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.99% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
11.24%
61-84 Months
DetailsCredit Tier: A (720-759); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.24% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
12.49%
Up to 12 Months
DetailsCredit Tier: B (680-719); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 12.49% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
12.74%
13-36 Months
DetailsCredit Tier: B (680-719); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 12.74% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
12.99%
37-48 Months
DetailsCredit Tier: B (680-719); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 12.99% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
12.99%
Up to 12 Months
DetailsCredit Tier: C (640-679); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 12.99% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
13.24%
49-60 Months
DetailsCredit Tier: B (680-719); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 13.24% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
13.24%
13-36 Months
DetailsCredit Tier: C (640-679); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 13.24% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Lines of Credit Loan
13.49%
DetailsMinimum loan $1,000; to refinance an existing Arize loan, an additional $1,000 must be added to the existing loan amount
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 13.49% APR · checked 4 times
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
13.49%
61-84 Months
DetailsCredit Tier: B (680-719); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 13.49% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
13.49%
37-48 Months
DetailsCredit Tier: C (640-679); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 13.49% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
13.74%
49-60 Months
DetailsCredit Tier: C (640-679); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 13.74% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
13.99%
61-84 Months
DetailsCredit Tier: C (640-679); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 13.99% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
18.00%
Up to 12 Months
DetailsCredit Tier: D (600-639); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 18.00% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
18.00%
13-36 Months
DetailsCredit Tier: D (600-639); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 18.00% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
18.00%
37-48 Months
DetailsCredit Tier: D (600-639); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 18.00% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
18.00%
49-60 Months
DetailsCredit Tier: D (600-639); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 18.00% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Unsecured Personal Loan
18.00%
61-84 Months
DetailsCredit Tier: D (600-639); Rates determined by credit score and loan term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 18.00% APR
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.86%
Financial Health History
Arize Federal Credit Union’s Texas Ratio rose from 5.16% in Q3 2023 to 16.86% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)
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
June 30, 2026
$176M
16.86%
4.8
A-
March 31, 2026
$175M
12.83%
5.0
A
December 31, 2025
$172M
21.19%
4.5
B
September 30, 2025
$177M
20.33%
4.6
B
June 30, 2025
$162M
20.25%
4.6
B
March 31, 2025
$164M
14.19%
5.0
A-
December 31, 2024
$161M
7.51%
5.0
A
September 30, 2024
$155M
6.08%
5.0
A
June 30, 2024
$159M
4.88%
5.0
A+
March 31, 2024
$158M
6.90%
5.0
A
December 31, 2023
$156M
6.79%
5.0
A
September 30, 2023
$150M
5.16%
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 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)
7,106,741
Total Uninsured Shares and Deposits > $250K (F+J)
7,106,741
Total Insured Shares and Deposits > $250K (item 17 less item K)
155,486,437
Total Interest Expense (Sum of items 6 8)
1,251,273
Share Certificates
1,014
Number of Accounts for Share Drafts
8,715
IRA KEOGH Accounts
296
Number of Accounts for Regular Shares
15,975
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)
17,452,409
Total Liabilities
164,880,837
Source: NCUA — Last Updated 06/30/2026
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Average Rating
☆☆☆☆☆
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%
Savings1.95%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
