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Arrowhead Central Credit Union

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Arrowhead Central Credit Union Rates & Review October 2026

Q: What are the current interest rates at Arrowhead Central Credit Union?

Current rates for Arrowhead Central Credit Union include: 12-Month CD: 0.30%, 24-Month CD: 0.45%, 60-Month CD: 1.30%, Savings: 0.15%, MMA: 1.10%

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 19, 2026

Arrowhead Central Credit Union's 5 Month CD rates are at 4.00%, 12 Month CD rates are at 3.75%, 60 Month IRA CD rates are at 1.40%, IRA CD - 60 month rates are at 1.40%, 60 Month CD rates are at 1.35%. Arrowhead Central Credit Union's savings rates are at 0.15%. Arrowhead Central Credit Union's money market rates are at 1.10%. Arrowhead Central Credit Union's checking rates are as high as 0.08%. Arrowhead Central Credit Union's Personal Loan Rates are as low as 12.99%. Arrowhead Central Credit Union's Credit Card Rates are at 13.74%. MonitorBankRates evaluates the financial stability of Arrowhead Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.64%. Rates last updated and verified on 10/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.64%

Excellent Lower than avg

Health Trend

Very strong 6 quarters

Full history ›

Arrowhead Central Credit Union
Corporate -Haven

8686 Haven Ave
Rancho Cucamonga, CA 91730-9109

https://www.arrowheadcu.org

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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.

Arrowhead Central Credit Union CD Rates

Product	Rate	APY	Term
5 Month Share Certificate	-	4.00%	5 Month Promo
Min Deposit $1,000 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
12 Month Share Certificate	-	3.75%	12 Month Promo
Min Deposit $1,000 Last Updated 10/19/2026 Rate History 1 change since Oct 6, 2026 · 0.35% → 3.75% ▲ 3.40 pts · high 3.75% / low 0.35% Oct 19, 20263.75%▲ from 0.35% Oct 6, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
60 Month IRA Certificate	-	1.40%	60 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance tier: $100,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 1.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 60 month	-	1.40%	60 Months
Min Deposit $100,000 Details Balance: $100,000 and over; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 1.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
60 Month IRA Certificate	-	1.35%	60 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance tier: $1,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
60 Month IRA Certificate	-	1.35%	60 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance tier: $25,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 1.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
60 Month Share Certificate	-	1.35%	60 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 1.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 60 month	-	1.35%	60 Months
Min Deposit $1,000 Details Balance: $1,000 - $99,999; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 1.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
60 Month Share Certificate	-	1.30%	60 Month
Min Deposit $1,000 Details Balance: $1,000 - $99,999 Last Updated 10/19/2026 Rate History 1 change since Oct 6, 2026 · 1.35% → 1.30% ▼ 0.05 pts · high 1.35% / low 1.30% Oct 19, 20261.30%▼ from 1.35% Oct 6, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
48 Month IRA Certificate	-	1.05%	48 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance tier: $100,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 48 month	-	1.05%	48 Months
Min Deposit $100,000 Details Balance: $100,000 and over; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
48 Month IRA Certificate	-	1.00%	48 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance tier: $1,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
48 Month IRA Certificate	-	1.00%	48 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance tier: $25,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
48 Month Share Certificate	-	1.00%	48 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 48 month	-	1.00%	48 Months
Min Deposit $1,000 Details Balance: $1,000 - $99,999; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
48 Month Share Certificate	-	0.95%	48 Month
Min Deposit $1,000 Details Balance: $1,000 - $99,999 Last Updated 10/19/2026 Rate History 1 change since Oct 6, 2026 · 1.00% → 0.95% ▼ 0.05 pts · high 1.00% / low 0.95% Oct 19, 20260.95%▼ from 1.00% Oct 6, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
36 Month IRA Certificate	-	0.70%	36 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance tier: $100,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 36 month	-	0.70%	36 Months
Min Deposit $100,000 Details Balance: $100,000 and over; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
36 Month IRA Certificate	-	0.65%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance tier: $1,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
36 Month IRA Certificate	-	0.65%	36 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance tier: $25,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
36 Month Share Certificate	-	0.65%	36 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 36 month	-	0.65%	36 Months
Min Deposit $1,000 Details Balance: $1,000 - $99,999; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
36 Month Share Certificate	-	0.60%	36 Month
Min Deposit $1,000 Details Balance: $1,000 - $99,999 Last Updated 10/19/2026 Rate History 1 change since Oct 6, 2026 · 0.65% → 0.60% ▼ 0.05 pts · high 0.65% / low 0.60% Oct 19, 20260.60%▼ from 0.65% Oct 6, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 Month IRA Certificate	-	0.55%	24 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance tier: $100,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 24 month	-	0.55%	24 Months
Min Deposit $100,000 Details Balance: $100,000 and over; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 Month IRA Certificate	-	0.50%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance tier: $1,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 Month IRA Certificate	-	0.50%	24 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance tier: $25,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 Month Share Certificate	-	0.50%	24 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 24 month	-	0.50%	24 Months
Min Deposit $1,000 Details Balance: $1,000 - $99,999; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 Month Share Certificate	-	0.45%	24 Month
Min Deposit $1,000 Details Balance: $1,000 - $99,999 Last Updated 10/19/2026 Rate History 1 change since Oct 6, 2026 · 0.50% → 0.45% ▼ 0.05 pts · high 0.50% / low 0.45% Oct 19, 20260.45%▼ from 0.50% Oct 6, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
12 Month IRA Certificate	-	0.40%	12 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance tier: $100,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 12 month	-	0.40%	12 Months
Min Deposit $100,000 Details Balance: $100,000 and over; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
12 Month IRA Certificate	-	0.35%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance tier: $1,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
12 Month IRA Certificate	-	0.35%	12 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance tier: $25,000 minimum deposit; Early withdrawal fee: 90-180 days of dividends Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
12 Month Share Certificate	-	0.35%	12 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 12 month	-	0.35%	12 Months
Min Deposit $1,000 Details Balance: $1,000 - $99,999; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
12 Month Share Certificate	-	0.30%	12 Month
Min Deposit $1,000 Details Balance: $1,000 - $99,999 Last Updated 10/19/2026 Rate History 1 change since Oct 6, 2026 · 0.35% → 0.30% ▼ 0.05 pts · high 0.35% / low 0.30% Oct 19, 20260.30%▼ from 0.35% Oct 6, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
6 Month Share Certificate	-	0.30%	6 Month
Min Deposit $100,000 Details Balance: $100,000 and over Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
6 Month Share Certificate	-	0.25%	6 Month
Min Deposit $1,000 Details Balance: $1,000 - $99,999 Last Updated 10/19/2026 Rate History 1 change since Oct 6, 2026 · 0.30% → 0.25% ▼ 0.05 pts · high 0.30% / low 0.25% Oct 19, 20260.25%▼ from 0.30% Oct 6, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Arrowhead Central Credit Union Savings Rates

Product	Rate	APY
Arrowhead Savings	-	0.15%
Min Deposit $1 Min Balance $5,000 Details Balance: $5,000 and above; $1 balance to maintain Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Arrowhead Savings	-	0.10%
Min Deposit $1 Min Balance $2,000 Details Balance: $2,000 - $4,999.99; $1 balance to maintain Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Arrowhead Savings	-	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100 - $999.99; $1 balance to maintain Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Arrowhead Savings	-	0.05%
Min Deposit $1 Min Balance $1,000 Details Balance: $1,000 - $1,999.99; $1 balance to maintain Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Holiday Club	-	0.05%
Min Balance $0 Details Balance: $0.01 and above; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Special Savings	-	0.05%
Min Balance $0 Details Balance: $0.01 and above; Effective Date: October 18, 2026; Offer valid for limited time and subject to change at any time Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Arrowhead Central Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	1.10%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and above; Minimum to open is $2,500; Dividend paid when average daily balance for the month is in tier Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market	-	1.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Minimum to open is $2,500; Dividend paid when average daily balance for the month is in tier Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market	-	0.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Minimum to open is $2,500; Dividend paid when average daily balance for the month is in tier Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market	-	0.60%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Minimum to open is $2,500; Dividend paid when average daily balance for the month is in tier Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market	-	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Minimum to open is $2,500; Dividend paid when average daily balance for the month is in tier Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market	-	0.35%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $24,999.99; Minimum to open is $2,500; Dividend paid when average daily balance for the month is in tier Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Arrowhead Central Credit Union Checking Rates

Product	Rate	APY
Consumer Dividend Checking	-	0.08%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 and above Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Consumer Dividend Checking	-	0.03%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Arrowhead Central Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 80% CLTV	-	-	7.25%	Up to 120 Months
Details Up to $500K; Fixed Rate - Primary Residence; APR Range: 7.25% - 8.75%; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Home Equity Line of Credit - 80% CLTV	-	-	8.00%	240 Months
Details Up to $500K; Published APR range: 8.00% - 9.50%. Variable rate based on prime rate plus margin - Primary Residence; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Home Equity Loan - 80% CLTV	-	-	8.00%	Up to 240 Months
Details Up to $500K; Fixed Rate - Primary Residence; APR Range: 8.00% - 9.50%; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Arrowhead Central Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.99%	36 months
Details As Low As; Best rate for 36 month term; lowest rate includes .25% automatic payment discount from an Arrowhead account; higher rates apply for terms longer than 36 months; rates valid as of 10/18/2026 Last Updated 10/19/2026 Rate History No change since Oct 6, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New & Used Autos	-	-	3.99%	36 Months
Details APR Range: 3.99% -16.99% Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New & Used Autos	-	-	4.99%	48 to 60 Months
Details APR Range: 4.99% - 16.99% Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New & Used Autos	-	-	5.49%	72 Months
Details APR Range: 5.49% - 16.99% Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New & Used Autos	-	-	5.99%	84 Months
Details APR Range: 5.99% - 7.49% Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Smart Start New & Used Auto	-	-	10.49%	Up to 60 Months
Details Dependent on amount financed; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Smart Start New & Used Auto	-	-	10.99%	72 Months
Details Dependent on amount financed; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Arrowhead Central Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	9.99%	Up to 72 Months
Details Model Year 2024 - 2026; Up to 80% financing; Dependent on amount financed; APR Range: 9.99% - 12.74% Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Used Motorcycle Loan	-	10.24%	Up to 72 Months
Details Model Year 2021 - 2026; Up to 80% financing; Dependent on amount financed; APR Range: 10.24% - 13.24% Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New & Used RV Loan	-	10.74%	Up to 120 Months
Details Model Year 2021 - 2026; Up to 80% Financing; Dependent on amount financed; APR Range: 10.74% - 17.74% Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Arrowhead Central Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	13.74%
Details Published APR range: 13.74% - 17.50%. Variable APR Range: 13.74% - 17.50%; Estimated Payment: 3% of Balance ($25 Minimum); Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History 1 change since Sep 30, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 6, 202613.74%▲ from 13.49% Sep 30, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Arrowhead Central Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	12.99%	Up to 60 months
Details APR Range: 12.99% - 18.00%; Est. Payment/$1,000 borrowed: $22.95 - $25.70; Effective Date: October 18, 2026; Unsecured Loans Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Arrowhead Central Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Hometown Hero Loan	-	-	5.00%	36 months
Details Maximum term is 36 months at 5% APR; Must be a Hometown Hero; Non-credit-qualifying loan of $500 to $3,000; requires minimum $35 automatic payment from an Arrowhead account Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Hometown Hero Loan	-	-	5.00%
Details Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 5.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA (Traditional or Roth)	-	-	0.35%
Min Balance $100 Details Balance: $100 and above; Dividend paid when average daily balance for the month is stated tier; Effective Date: October 18, 2026 Last Updated 10/19/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

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Financial Health History

Arrowhead Central Credit Union’s Texas Ratio rose from 2.99% in Q1 2025 to 3.64% in Q2 2026, so its financial health has stayed very strong over the past 6 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$2.9B	3.64%	5.0	A+
March 31, 2026	$2.9B	3.47%	5.0	A+
December 31, 2025	$2.8B	4.19%	5.0	A+
September 30, 2025	$2.6B	3.30%	5.0	A+
June 30, 2025	$2.6B	2.90%	5.0	A+
March 31, 2025	$2.6B	2.99%	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 Arrowhead Central 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 Arrowhead Central 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 Arrowhead Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Arrowhead Central Credit Union

Website https://www.arrowheadcu.org

Address 8686 Haven Ave, Rancho Cucamonga, CA 91730-9109

Phone 800-743-7228

Fax 909-379-6277

President John McCormack

CEO Darin Woinarowicz

Full-Time Employees 489

Part-Time Employees 54

Branch Locations 21

ATM Locations 21

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

3.64%

Return on Assets (ROA)

0.4351%

Return on Equity (ROE)

3.8313%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

2,925,641,838

Total Amount of Shares and Deposits

2,421,846,323

Total Shares and Deposits < 1 Year

2,412,024,686

Total Shares and Deposits 1 3 Years

7,050,670

Total Shares and Deposits > 3 Years

2,770,967

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

101,245,207

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

101,245,207

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

2,320,601,116

Total Interest Expense (Sum of items 6 8)

12,695,941

Share Certificates

10,476

Number of Accounts for Share Drafts

191,065

IRA KEOGH Accounts

1,752

Number of Accounts for Regular Shares

260,442

All other shares

3,379

Money Market Shares

3,185

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)

288,458,297

Total Liabilities

2,597,438,704

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Arrowhead Central Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Arrowhead Central Credit Union

Does Arrowhead Central Credit Union offer CDs?

Yes. Arrowhead Central Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Arrowhead Central Credit Union NCUA insured?

Yes. Arrowhead Central Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Arrowhead Central Credit Union?

The highest CD rate MonitorBankRates has verified for Arrowhead Central Credit Union is 4.00% APY on its 5 Month CD, as of October 19, 2026.

What CD terms does Arrowhead Central Credit Union offer?

The Arrowhead Central Credit Union CD terms we track include 5 month, 12 month, 2 year and 5 year terms, with rates from 1.35% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Arrowhead Central Credit Union for its full lineup.

What is the highest savings rate at Arrowhead Central Credit Union?

The highest savings rate MonitorBankRates has verified for Arrowhead Central Credit Union is 0.15% APY on its Arrowhead Savings, as of October 19, 2026.

What is the highest money market rate at Arrowhead Central Credit Union?

The highest money market rate MonitorBankRates has verified for Arrowhead Central Credit Union is 1.10% APY on its Money Market, as of October 19, 2026.

What is the highest checking rate at Arrowhead Central Credit Union?

The highest checking rate MonitorBankRates has verified for Arrowhead Central Credit Union is 0.08% APY on its Consumer Dividend Checking, as of October 19, 2026.

What is the lowest auto loan rate at Arrowhead Central Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Arrowhead Central Credit Union is 3.99% APR on its Auto Loan, as of October 19, 2026.

What is the lowest personal loan rate at Arrowhead Central Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Arrowhead Central Credit Union is 12.99% APR on its Signature Loan, as of October 19, 2026.

What is the lowest credit card APR at Arrowhead Central Credit Union?

The lowest credit card rate MonitorBankRates has verified for Arrowhead Central Credit Union is 13.74% APR on its Visa Credit Card, as of October 19, 2026.

How many branches does Arrowhead Central Credit Union operate?

Arrowhead Central 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 Arrowhead Central Credit Union?

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

Does Arrowhead Central Credit Union offer online and mobile banking?

Most modern institutions like Arrowhead Central 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.arrowheadcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Arrowhead Central Credit Union rates compare?

Arrowhead Central Credit Union's top rates are 4.00% APY on its 5 Month CD, 0.15% APY on savings, 1.10% APY on money market, 0.08% APY on checking, personal loans from 12.99% APR and credit cards from 13.74% APR, verified by MonitorBankRates on October 19, 2026. To compare Arrowhead Central Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.

Current Arrowhead Central Credit Union Rates

12-Month CD0.30%
24-Month CD0.45%
60-Month CD1.30%
Savings0.15%
MMA1.10%

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

Compare to Other Credit Unions

Arrowhead Central Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Arrowhead Central Credit Union Texas Ratio

Arrowhead Central Credit Union Health Trend

Arrowhead Central Credit Union CD Rates

Arrowhead Central Credit Union Savings Rates

Arrowhead Central Credit Union Money Market Rates

Arrowhead Central Credit Union Checking Rates

Arrowhead Central Credit Union Home Equity & HELOC

Arrowhead Central Credit Union Auto Loan Rates

Arrowhead Central Credit Union RV, Boat and Powersport Loan Rates

Arrowhead Central Credit Union Credit Card Rates

Arrowhead Central Credit Union Personal Loan Rates

Arrowhead Central Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Arrowhead Central Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Arrowhead Central Credit Union

Does Arrowhead Central Credit Union offer CDs?

Are CDs from Arrowhead Central Credit Union NCUA insured?

What is the highest CD rate at Arrowhead Central Credit Union?

What CD terms does Arrowhead Central Credit Union offer?

What is the highest savings rate at Arrowhead Central Credit Union?

What is the highest money market rate at Arrowhead Central Credit Union?

What is the highest checking rate at Arrowhead Central Credit Union?

What is the lowest auto loan rate at Arrowhead Central Credit Union?

What is the lowest personal loan rate at Arrowhead Central Credit Union?

What is the lowest credit card APR at Arrowhead Central Credit Union?

How many branches does Arrowhead Central Credit Union operate?

Is a member application needed to join Arrowhead Central Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Arrowhead Central Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Arrowhead Central Credit Union rates compare?

Current Arrowhead Central Credit Union Rates

Compare to Other Credit Unions