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Arrha Credit Union Rates & Review September 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
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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: September 22, 2026
Arrha Credit Union's CD Accounts - 3 Month Premium rates are at 3.65%, CD Accounts - 6 Month Premium rates are at 3.65%, CD Accounts - 3 Month rates are at 3.55%, CD Accounts - 5 Month (Non-IRA CDs only) rates are at 3.55%, CD Accounts - 6 Month 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 as low as 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 09/22/2026.
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 HealthScore: 98/100
Overall Health & Safety Grade
Arrha Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
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
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Arrha Credit Union has earned a Star Rating of 5.0 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
?
3.55%
ExcellentLower than avg
Arrha Credit Union Texas Ratio
Arrha Credit Union's Texas Ratio is 3.55%, which is considered excellent and is lower than the national average of 6.13%.
Arrha Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.49% to 3.55% over 11 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has improved and is now very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsAPY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
Last Updated09/22/2026
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 Updated09/22/2026
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 Updated09/22/2026
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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Arrha Credit Union Money Market Rates
Product
Rate
APY
View More
Business Money Market
3.35%
3.40%
Min Balance$1,000,000
DetailsBalance: $1,000,000+. APY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
Last Updated09/22/2026
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
DetailsBalance: $1,000,000+; Fees may reduce earnings. Rates subject to change daily and may change after the account is opened.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Business Money Market
1.49%
1.50%
Min Balance$250,000
DetailsBalance: $250,000 - $999,999.99. APY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Money Market Accounts
1.49%
1.50%
Min Balance$250,000
DetailsBalance: $250,000-$999,999.99; Fees may reduce earnings. Rates subject to change daily and may change after the account is opened.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Business Money Market
1.00%
1.00%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99. APY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Money Market Accounts
1.00%
1.00%
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99; Fees may reduce earnings. Rates subject to change daily and may change after the account is opened.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Business Money Market
0.75%
0.75%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99. APY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Money Market Accounts
0.75%
0.75%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99; Fees may reduce earnings. Rates subject to change daily and may change after the account is opened.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Business Money Market
0.50%
0.50%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99. APY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Money Market Accounts
0.50%
0.50%
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99; Fees may reduce earnings. Rates subject to change daily and may change after the account is opened.
Last Updated09/22/2026
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
DetailsBalance: $0.00 - $2,499.99. APY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Business Money Market
0.25%
0.25%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999.99. APY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
Last Updated09/22/2026
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
DetailsBalance: $0.00-$2,499.99; Fees may reduce earnings. Rates subject to change daily and may change after the account is opened.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Money Market Accounts
0.25%
0.25%
Min Balance$2,500
DetailsBalance: $2,500-$24,999.99; Fees may reduce earnings. Rates subject to change daily and may change after the account is opened.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Arrha Credit Union Checking Rates
Product
Rate
APY
View More
Interest Checking
0.05%
0.05%
Min Balance$5,000
DetailsBalance: Over $5,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Interest Checking
0.02%
0.02%
Min Balance$0
DetailsBalance: $0 - $4,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Arrha Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loans - Primary and Secondary residences only - Up to 5 Years
6.75%
-
6.75%
Up to 5 Years
DetailsMax LTV: 80%; Max: $250,000; Minimum loan amount is $10,000.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Lines of Credit (HELOC) - Adjustable Rate - 80% LTV
7.00%
-
7.00%
DetailsIntro Rate: 7.000%; Max LTV: 80%; Margin: 0.00%; Index: 7.00%; Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first 36 months. Must meet eligibility guidelines. APR may change without notice. 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loan - 10 Years
7.25%
-
7.25%
10 Years
DetailsMax LTV: 80%; Max Loan: $250,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - 10 Years
7.25%
-
7.25%
10 Years
DetailsMax LTV: 80%; Max: $250,000; Minimum loan amount is $10,000.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loan - 15 Years
7.50%
-
7.50%
15 Years
DetailsMax LTV: 80%; Max Loan: $250,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - 15 Years
7.50%
-
7.50%
15 Years
DetailsMax LTV: 80%; Max: $250,000; Minimum loan amount is $10,000.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loan - 20 Years
7.75%
-
7.75%
20 Years
DetailsMax LTV: 80%; Max Loan: $250,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - 20 Years
7.75%
-
7.75%
20 Years
DetailsMax LTV: 80%; Max: $250,000; Minimum loan amount is $10,000.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - Up to 5 Years
7.75%
-
7.75%
Up to 5 Years
DetailsMax LTV: 90%; Max: $250,000; Minimum loan amount is $10,000.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Lines of Credit (HELOC) - Adjustable Rate - 90% LTV
8.00%
-
8.00%
DetailsIntro Rate: 8.000%; Max LTV: 90%; Margin: 1.00%; Index: 7.00%; Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first 36 months. Must meet eligibility guidelines. APR may change without notice. 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loan - 10 Years
8.25%
-
8.25%
10 Years
DetailsMax LTV: 90%; Max Loan: $250,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loan - 15 Years
8.25%
-
8.25%
15 Years
DetailsMax LTV: 90%; Max Loan: $250,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Home Equity Loans - Primary and Secondary residences only - 10 Years
8.25%
-
8.25%
10 Years
DetailsMax LTV: 90%; Max: $250,000; Minimum loan amount is $10,000.
Last Updated09/22/2026
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
DetailsMax LTV: 90%; Max: $250,000; Minimum loan amount is $10,000.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Arrha Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - Model Years 2026 - 2021
-
-
4.74%
Up to 36 months
DetailsAs Low As; Offer valid on auto loans originated on or after January 1, 2026. 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. 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.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Auto Loan - Model Years 2026 - 2021
-
-
4.99%
37 to 48 months
DetailsAs Low As; Offer valid on auto loans originated on or after January 1, 2026. 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. 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.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Auto Loan - Model Years 2026 - 2021
-
-
4.99%
49 to 66 months
DetailsAs Low As; Offer valid on auto loans originated on or after January 1, 2026. 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. 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.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Auto Loan - Model Years 2026 - 2021
-
-
5.49%
67 to 75 months
DetailsAs Low As; Offer valid on auto loans originated on or after January 1, 2026. 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. 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.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Auto Loan - Model Years 2026 - 2021
-
-
5.49%
76 to 87 months
DetailsAs Low As; Offer valid on auto loans originated on or after January 1, 2026. 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. 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.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
New Leisure Vehicles (ATVs, Jet Skis, Snowmobiles, etc.) Loan
-
-
8.84%
66 months
DetailsAs 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Used Leisure Vehicles (ATVs, Jet Skis, Snowmobiles, etc.) Loan
-
-
9.84%
66 months
DetailsAs 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Arrha Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Boats and RV Loans
-
8.84%
66 months
DetailsAs 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 10001 miles. All Product offerings are subject to individual applicant credit worthiness.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Used Boats and RV Loans
-
9.84%
66 months
DetailsAdvertised 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 10000 miles. All Product offerings are subject to individual applicant credit worthiness.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Arrha Credit Union Personal Loan Rates
Product
APR
Term
View More
Peace of Mind Unsecured Loan
9.99%
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Personal Unsecured Loans
10.99%
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Smart Choice Unsecured Loan
10.99%
up to 60 months
DetailsAs Low As
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Arrha Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
BridgeBuilder
3.25%
-
3.30%
Min Deposit$5,000
Min Balance$0
DetailsBalance: $0.00; available for funds not currently held in a BrightBridge Credit Union account
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Kasasa Cash (High Interest Checking)
1.98%
-
2.00%
Min Deposit$25
DetailsQualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; be enrolled to receive e-statements; Qualifying balance up to $10,000.00; Rate: 0.20% on balances above $10,000; Rate: 0.02% if qualifications are not met
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Kasasa Saver Savings
1.00%
-
1.00%
Min Deposit$5
Min Balance$25,000
DetailsBalance: Up to but not exceeding $25,000; Qualifications Required: 12 debit card point-of-sale purchases posted and settled; at least one automatic payment, direct deposit, or online bill payment posted and settled; enrollment in e-statements; Balance: Up to but not exceeding $25,000 (if qualifications are met)
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
Passbook
0.10%
-
0.10%
Min Balance$0
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.55%
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 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
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.
Address
145 Industry Ave,
Springfield, MA 01104-3222
Phone413-732-9812
Fax413-737-7635
PresidentTodd Cieplinski
CEOMichael Ostrowski
Full-Time Employees28
Part-Time Employees5
Branch Locations4
ATM Locations2
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
13
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
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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.
Brian McKay
