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Arrha Credit Union

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Arrha Credit Union Rates & Review April 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: April 14, 2026

You can compare Arrha Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.00%, 6-month share certificate rates at 3.65% and 3-month share certificate rates at 0.75%. Savings rates are at 0.01% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.90%. All these rates can be compared to Arrha Credit Union rates. 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 3.95%. Rates were last updated on 04/14/2026.

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

3.95%

Excellent Lower than avg

Arrha Credit Union
Springfield Office

145 Industry Ave
Springfield, MA 01104 3222

https://www.arrhacu.com

Current Rate Availability

We do not have Arrha Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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

3.95%

Return on Assets (ROA)

-0.1890%

Return on Equity (ROE)

-2.4270%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

163,197,118

Total Amount of Shares and Deposits

135,557,014

Total Shares and Deposits < 1 Year

127,381,801

Total Shares and Deposits 1 3 Years

7,420,430

Total Shares and Deposits > 3 Years

754,783

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

11,391,588

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

11,391,588

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

124,165,426

Total Interest Expense (Sum of items 6 8)

2,177,773

Share Certificates

1,155

Number of Accounts for Share Drafts

4,161

IRA KEOGH Accounts

120

Number of Accounts for Regular Shares

8,094

All other shares

180

Non Member Deposits

Money Market Shares

203

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,741,700

Total Liabilities

150,869,489

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Arrha Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Arrha Credit Union

Frequently Asked Questions About Arrha Credit Union

Is Arrha Credit Union a safe place to deposit money?

Yes, Arrha Credit Union is considered a safe financial institution. With a Texas Ratio of 3.9465689757323%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.