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Arize Federal Credit Union Rates & Review August 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 Health Score: 85/100
MonitorBankRates Rating ?
4.6
Excellent Out of 5.0 Stars
Texas Ratio ?
20.33%
Good Higher than avg
Arize Federal Credit Union
State College Benner Pike
1145 Benner Pike
State College, PA 16801
https://www.arizefcu.org
Member NCUA

Arize Federal Credit Union CD Rates

Product Rate APY Term View More
60 month Term Share Certificate - 0.70% 60 Months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
48 month Term Share Certificate - 0.65% 48 Months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
36 month Term Share Certificate - 0.50% 36 Months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
24 month Term Share Certificate - 0.45% 24 Months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
12 month Term Share Certificate - 0.35% 12 Months
Min Deposit $500
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
3 month Term Share Certificate - 0.30% 3 Months
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%

Arize Federal Credit Union Savings Rates

Product Rate APY View More
Business Savings Balance 1.93% 1.95%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Savings 1.93% 1.95%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Business Savings 0.30% 0.30%
Min Deposit $5
Min Balance $100
Details Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated 08/28/2026
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
Details Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated 08/28/2026
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
Details Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Savings 0.30% 0.30%
Min Deposit $5
Min Balance $100
Details Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated 08/28/2026
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
Details Dividends Compounded Quarterly Dividends Credited Quarterly Dividend Period Calendar Quarter
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Business Savings Balance 0.00% 0.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Savings 0.00% 0.00%
Min Balance $0
Last Updated 08/28/2026
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
Details Dividends Compounded Monthly Dividends Credited Monthly Dividend Period Calendar Month
Last Updated 08/28/2026
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
Details Dividends Compounded Monthly Dividends Credited Monthly Dividend Period Calendar Month
Last Updated 08/28/2026
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
Details Introductory 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 Updated 08/28/2026
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 Updated 08/28/2026
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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Used Vehicles Loan - - 6.74% 0-60 Months
Details Rate includes 1.00% discount for automatic payment.
Last Updated 08/28/2026
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 Updated 08/28/2026
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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Used Vehicles Loan - - 7.24% 61-72 Months
Details Rate includes 1.00% discount for automatic payment.
Last Updated 08/28/2026
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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Used Vehicles Loan - - 8.24% 73-84 Months
Details Rate includes 1.00% discount for automatic payment.
Last Updated 08/28/2026
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%
Details Regular 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 Updated 08/28/2026
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%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 8.74%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 8.99%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 9.24%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 9.49%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 10.24%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 10.49%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 10.74%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 10.99%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 11.24%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 12.49%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 12.74%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 12.99%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 13.24%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 13.49%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 13.74%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 13.99%
Details Rates 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 Updated 08/28/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
Texas Ratio: 20.33%
Personal Loan - 18.00%
Details Rates 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 Updated 08/28/2026
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.

Credit Union Profile & Overview

Credit Union Name Arize Federal Credit Union
Address 1145 Benner Pike, State College, PA 16801
Phone 814-237-5458
Fax
President Brad Lundsford
CEO Michael Meier
Full-Time Employees 35
Part-Time Employees 0
Branch Locations 3
ATM Locations 4
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.6 / 5.0 ★
Overall Health & Safety Grade
B (85/100)
Texas Ratio
20.33%
Return on Assets (ROA)
0.2176%
Return on Equity (ROE)
2.8214%
Non-Performing Loans Ratio (NPL)
2.61%
Total Assets
176,617,824
Total Amount of Shares and Deposits
163,917,718
Total Shares and Deposits < 1 Year
145,753,407
Total Shares and Deposits 1 3 Years
16,788,270
Total Shares and Deposits > 3 Years
1,376,041
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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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.