What are the current interest rates at Arbor Financial Credit Union?

Current rates for Arbor Financial Credit Union include: 12-Month CD: 3.45%, 24-Month CD: 3.55%, 60-Month CD: 4.05%, Savings: 3.00%, MMA: 3.00%

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Arbor Financial Credit Union

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Arbor Financial Credit Union Rates & Review October 2026

Q: Is a member application needed to join Arbor Financial Credit Union?

Yes, to access services at Arbor Financial 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Arbor Financial 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 and Verified: October 9, 2026

Arbor Financial Credit Union's top rates as of October 9, 2026 are 4.07% APY on its 7 Month CD Special, 3.00% APY on savings, 3.00% APY on money market accounts, 4.00% APY on checking, personal loans from 11.99% APR, and credit cards from 9.75% APR, according to rates verified by MonitorBankRates. Other Arbor Financial Credit Union CD rates include 60 Month CD at 4.05%, Traditional 60 Month CD at 4.05%, and Traditional 60 Month CD at 4.05%. MonitorBankRates evaluates the financial stability of Arbor Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.10%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.10%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Arbor Financial Credit Union
Main Office

1551 S 9TH ST
KALAMAZOO, MI 49009-9404

https://www.arborfcu.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.

Arbor Financial Credit Union CD Rates

Product	Rate	APY	Term
7 Month CD Special	-	4.07%	7 Month
Min Balance $500 Details Balance: $500 - $29,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
7 Month CD Special	-	4.07%	7 Month
Min Balance $30,000 Details Balance: $30,000 - $69.999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
7 Month CD Special	-	4.07%	7 Month
Min Balance $70,000 Details Balance: $70,000 - $124,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
7 Month CD Special	-	4.07%	7 Month
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
60 Month Certificate	-	4.05%	60 Month
Min Balance $500 Details Balance: $500 - $29,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50% Oct 9, 20264.05%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
60 Month Certificate	-	4.05%	60 Month
Min Balance $30,000 Details Balance: $30,000 - $69.999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50% Oct 9, 20264.05%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
60 Month Certificate	-	4.05%	60 Month
Min Balance $70,000 Details Balance: $70,000 - $124,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50% Oct 9, 20264.05%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
60 Month Certificate	-	4.05%	60 Month
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50% Oct 9, 20264.05%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 60 Month Certificate	-	4.05%	60 Month
Min Deposit $500 Details Balance: $500 - $29,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50% Oct 9, 20264.05%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 60 Month Certificate	-	4.05%	60 Month
Min Deposit $30,000 Details Balance: $30,000 - $69.999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50% Oct 9, 20264.05%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 60 Month Certificate	-	4.05%	60 Month
Min Deposit $70,000 Details Balance: $70,000 - $124,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50% Oct 9, 20264.05%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 60 Month Certificate	-	4.05%	60 Month
Min Deposit $125,000 Details Balance: $125,000+; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50% Oct 9, 20264.05%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
48 Month Certificate	-	3.80%	48 Month
Min Balance $500 Details Balance: $500 - $29,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25% Oct 9, 20263.80%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
48 Month Certificate	-	3.80%	48 Month
Min Balance $30,000 Details Balance: $30,000 - $69.999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25% Oct 9, 20263.80%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
48 Month Certificate	-	3.80%	48 Month
Min Balance $70,000 Details Balance: $70,000 - $124,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25% Oct 9, 20263.80%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
48 Month Certificate	-	3.80%	48 Month
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25% Oct 9, 20263.80%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 48 Month Certificate	-	3.80%	48 Month
Min Deposit $500 Details Balance: $500 - $29,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25% Oct 9, 20263.80%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 48 Month Certificate	-	3.80%	48 Month
Min Deposit $30,000 Details Balance: $30,000 - $69.999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25% Oct 9, 20263.80%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 48 Month Certificate	-	3.80%	48 Month
Min Deposit $70,000 Details Balance: $70,000 - $124,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25% Oct 9, 20263.80%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 48 Month Certificate	-	3.80%	48 Month
Min Deposit $125,000 Details Balance: $125,000+; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25% Oct 9, 20263.80%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
36 Month Certificate	-	3.65%	36 Month
Min Balance $500 Details Balance: $500 - $29,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.75% → 3.65% ▲ 1.90 pts · high 3.65% / low 1.75% Oct 9, 20263.65%▲ from 1.75% Sep 14, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
36 Month Certificate	-	3.65%	36 Month
Min Balance $30,000 Details Balance: $30,000 - $69.999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 3.65% ▲ 1.90 pts · high 3.65% / low 1.75% Oct 9, 20263.65%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
36 Month Certificate	-	3.65%	36 Month
Min Balance $70,000 Details Balance: $70,000 - $124,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 3.65% ▲ 1.90 pts · high 3.65% / low 1.75% Oct 9, 20263.65%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
36 Month Certificate	-	3.65%	36 Month
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 3.65% ▲ 1.90 pts · high 3.65% / low 1.75% Oct 9, 20263.65%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 36 Month Certificate	-	3.65%	36 Month
Min Deposit $500 Details Balance: $500 - $29,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 3.65% ▲ 1.90 pts · high 3.65% / low 1.75% Oct 9, 20263.65%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 36 Month Certificate	-	3.65%	36 Month
Min Deposit $30,000 Details Balance: $30,000 - $69.999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 3.65% ▲ 1.90 pts · high 3.65% / low 1.75% Oct 9, 20263.65%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 36 Month Certificate	-	3.65%	36 Month
Min Deposit $70,000 Details Balance: $70,000 - $124,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 3.65% ▲ 1.90 pts · high 3.65% / low 1.75% Oct 9, 20263.65%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 36 Month Certificate	-	3.65%	36 Month
Min Deposit $125,000 Details Balance: $125,000+; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 3.65% ▲ 1.90 pts · high 3.65% / low 1.75% Oct 9, 20263.65%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
24 Month Certificate	-	3.55%	24 Month
Min Balance $500 Details Balance: $500 - $29,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 3.55% ▲ 2.05 pts · high 3.55% / low 1.50% Oct 9, 20263.55%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
24 Month Certificate	-	3.55%	24 Month
Min Balance $30,000 Details Balance: $30,000 - $69.999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 3.55% ▲ 2.05 pts · high 3.55% / low 1.50% Oct 9, 20263.55%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
24 Month Certificate	-	3.55%	24 Month
Min Balance $70,000 Details Balance: $70,000 - $124,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 3.55% ▲ 2.05 pts · high 3.55% / low 1.50% Oct 9, 20263.55%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
24 Month Certificate	-	3.55%	24 Month
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 3.55% ▲ 2.05 pts · high 3.55% / low 1.50% Oct 9, 20263.55%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 24 Month Certificate	-	3.55%	24 Month
Min Deposit $500 Details Balance: $500 - $29,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 3.55% ▲ 2.05 pts · high 3.55% / low 1.50% Oct 9, 20263.55%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 24 Month Certificate	-	3.55%	24 Month
Min Deposit $30,000 Details Balance: $30,000 - $69.999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 3.55% ▲ 2.05 pts · high 3.55% / low 1.50% Oct 9, 20263.55%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 24 Month Certificate	-	3.55%	24 Month
Min Deposit $70,000 Details Balance: $70,000 - $124,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 3.55% ▲ 2.05 pts · high 3.55% / low 1.50% Oct 9, 20263.55%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 24 Month Certificate	-	3.55%	24 Month
Min Deposit $125,000 Details Balance: $125,000+; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 3.55% ▲ 2.05 pts · high 3.55% / low 1.50% Oct 9, 20263.55%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
12 Month Add-On CD	-	3.45%	12 Month
Min Balance $500 Details Balance: $500 - $29,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
12 Month Add-On CD	-	3.45%	12 Month
Min Balance $30,000 Details Balance: $30,000 - $69.999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
12 Month Add-On CD	-	3.45%	12 Month
Min Balance $70,000 Details Balance: $70,000 - $124,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
12 Month Add-On CD	-	3.45%	12 Month
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
12 Month Certificate	-	3.45%	12 Month
Min Balance $500 Details Balance: $500 - $29,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
12 Month Certificate	-	3.45%	12 Month
Min Balance $30,000 Details Balance: $30,000 - $69.999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
12 Month Certificate	-	3.45%	12 Month
Min Balance $70,000 Details Balance: $70,000 - $124,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
12 Month Certificate	-	3.45%	12 Month
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
6 Month Add-On CD	-	3.45%	6 Month
Min Balance $500 Details Balance: $500 - $29,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
6 Month Add-On CD	-	3.45%	6 Month
Min Balance $30,000 Details Balance: $30,000 - $69.999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
6 Month Add-On CD	-	3.45%	6 Month
Min Balance $70,000 Details Balance: $70,000 - $124,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
6 Month Add-On CD	-	3.45%	6 Month
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
6 Month Certificate	-	3.45%	6 Month
Min Balance $500 Details Balance: $500 - $29,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
6 Month Certificate	-	3.45%	6 Month
Min Balance $30,000 Details Balance: $30,000 - $69.999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
6 Month Certificate	-	3.45%	6 Month
Min Balance $70,000 Details Balance: $70,000 - $124,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
6 Month Certificate	-	3.45%	6 Month
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 12 Month Certificate	-	3.45%	12 Month
Min Deposit $500 Details Balance: $500 - $29,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 12 Month Certificate	-	3.45%	12 Month
Min Deposit $30,000 Details Balance: $30,000 - $69.999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 12 Month Certificate	-	3.45%	12 Month
Min Deposit $70,000 Details Balance: $70,000 - $124,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 12 Month Certificate	-	3.45%	12 Month
Min Deposit $125,000 Details Balance: $125,000+; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.15% → 3.45% ▲ 0.30 pts · high 3.45% / low 3.15% Oct 9, 20263.45%▲ from 3.15% Sep 18, 20263.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 6 Month Certificate	-	3.45%	6 Month
Min Deposit $500 Details Balance: $500 - $29,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 6 Month Certificate	-	3.45%	6 Month
Min Deposit $30,000 Details Balance: $30,000 - $69.999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 6 Month Certificate	-	3.45%	6 Month
Min Deposit $70,000 Details Balance: $70,000 - $124,999.99; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Traditional 6 Month Certificate	-	3.45%	6 Month
Min Deposit $125,000 Details Balance: $125,000+; Traditional, Roth, & IRA Rates Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Arbor Financial Credit Union Savings Rates

Product	Rate	APY
Volt Banking Savings Account	-	3.00%
Min Balance $5 Details Balance: $5 - $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Premier Savings	-	2.45%
Min Balance $175,000 Details Balance: $175,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 2.45% ▲ 0.15 pts · high 2.45% / low 2.30% Oct 9, 20262.45%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Premier Savings	-	2.35%
Min Balance $100,000 Details Balance: $100,000-$174,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.35% ▲ 0.10 pts · high 2.35% / low 2.25% Oct 9, 20262.35%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Premier Savings	-	1.85%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.80% → 1.85% ▲ 0.05 pts · high 1.85% / low 1.80% Oct 9, 20261.85%▲ from 1.80% Sep 14, 20261.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Premier Savings	-	1.20%
Min Balance $0 Details Balance: $0-14.999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 1.20% ▲ 0.45 pts · high 1.20% / low 0.75% Oct 9, 20261.20%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Premier Savings	-	1.20%
Min Balance $15,000 Details Balance: $15,000-$49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.20% ▲ 0.05 pts · high 1.20% / low 1.15% Oct 9, 20261.20%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
IRA Savings Account	-	0.60%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
IRA Savings Account	-	0.40%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
IRA Savings Account	-	0.30%
Min Balance $0 Details Balance: up to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Explorer's Club Savings	-	0.05%
Min Balance $5 Details Balance: $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Primary Savings	-	0.05%
Min Balance $5 Details Balance: $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Special Savings	-	0.05%
Min Balance $5 Details Balance: $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Volt Banking Savings Account	-	0.05%
Min Balance $1,000 Details Balance: $1,000.01 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Premier Savings	-	0.01%
Min Balance $0 Details Annual Percentage Yield (APY) calculated by the daily balance method. Dividends are compounded and paid quarterly. APY is variable and may change at any time. Fees may reduce earnings on the account. APY shown is accurate as of October 1, 2026. One Premier Savings account per member. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.01% ▼ 0.74 pts · high 0.75% / low 0.01% Oct 9, 20260.01%▼ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Arbor Financial Credit Union Money Market Rates

Product	Rate	APY
Maximum Money Market	-	3.00%
Min Balance $500,000 Details Balance: $500,000.00 - $599,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 9, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Maximum Money Market	-	3.00%
Min Balance $600,000 Details Balance: $600,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 9, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Maximum Money Market	-	2.00%
Min Balance $400,000 Details Balance: $400,000.00 - 499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Maximum Money Market	-	1.00%
Min Balance $300,000 Details Balance: $300,000.00 - 399,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Maximum Money Market	-	0.35%
Min Balance $200,000 Details Balance: $200,000.00 - 299,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Maximum Money Market	-	0.20%
Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Maximum Money Market	-	0.15%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Maximum Money Market	-	0.05%
Min Balance $500 Details Balance: $500 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Arbor Financial Credit Union Checking Rates

Product	Rate	APY
Momentum Checking+	-	4.00%
Min Balance $0 Details Qualifications Required: 20+ Debit Card Purchases; Balance: 20+ Debit Card Purchases $0 - $15,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Select Checking	-	2.45%
Min Balance $250,000 Details Balance: $250,000 or more Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 2.45% ▲ 0.15 pts · high 2.45% / low 2.30% Oct 9, 20262.45%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Momentum Checking+	-	0.75%
Min Balance $0 Details Qualifications Required: 10-19 Debit Card Purchases; Balance: 10-19 Debit Card Purchases $0 - $15,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Premier Checking	-	0.20%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Premier Checking	-	0.10%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Premier Checking	-	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Select Checking	-	0.01%
Min Balance $0 Details Balance: $0- $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Arbor Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.00%
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Arbor Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%	Up to 36 months
Details Year: 2027-2026 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	5.24%	37 - 48 months
Details Year: 2027-2026 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	5.49%	49 - 60 months
Details Year: 2027-2026 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	5.49%	Up to 36 months
Details Year: 2025-2020 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 9, 20265.49%▲ from 5.24% Sep 18, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	5.74%	61 - 72 months
Details Year: 2027-2026 (up to 100% LTV Max); Call for details Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 5.74% ▼ 0.25 pts · high 5.99% / low 5.74% Sep 18, 20265.74%▼ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	5.74%	37 - 48 months
Details Year: 2025-2020 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 9, 20265.74%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	5.99%	49 - 60 months
Details Year: 2025-2020 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 9, 20265.99%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	6.24%	61 - 72 months
Details Year: 2025-2020 (up to 100% LTV Max); Call for details Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 9, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	7.99%	73 - 84 months
Details Year: 2027-2026 (up to 100% LTV Max); Call for details Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	8.74%	73 - 84 months
Details Year: 2025-2020 (up to 100% LTV Max); Call for details Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.24% → 8.74% ▲ 0.50 pts · high 8.74% / low 8.24% Oct 9, 20268.74%▲ from 8.24% Sep 14, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	9.24%	85 - 96 Months
Details Year: 2027-2026 (up to 100% LTV Max); Call for details** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Auto Loan	-	-	9.99%	85 - 96 months
Details Year: 2025-2020 (up to 100% LTV Max); Call for details** Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 9.99% ▲ 0.50 pts · high 9.99% / low 9.49% Oct 9, 20269.99%▲ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Arbor Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	7.49%	Up to 36 months
Details Year: 2027-2026 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	7.74%	37 - 48 months
Details Year: 2027-2026 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	7.74%	Up to 36 months
Details Year: 2025-2020 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	7.99%	49 - 60 months
Details Year: 2027-2026 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	7.99%	37 - 48 months
Details Year: 2025-2020 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	8.24%	61 months
Details Term: 61 - 72 months (Call for details); Year: 2027-2026 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	8.24%	49 - 60 months
Details Year: 2025-2020 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	8.49%	61 months
Details Term: 61 - 72 months (Call for details); Year: 2025-2020 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
ATV, Snowmobile, and Dirt Bike Loans	-	8.74%	Up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	8.74%	73 months
Details Term: 73 - 84 months (Call for details); Year: 2027-2026 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	8.99%	73 months
Details Term: 73 - 84 months (Call for details); Year: 2025-2020 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
RV, Boat, and Motor Home Loans	-	9.74%	85 to 120 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	9.99%	85 months
Details Term: 85 - 96 Months (Call for details); Year: 2027-2026 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Motorcycle Loan	-	10.24%	85 months
Details Term: 85 - 96 months (Call for details); Year: 2025-2020 (up to 100% LTV Max) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
RV, Boat, and Motor Home Loans	-	10.99%	121 to 180 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Arbor Financial Credit Union Credit Card Rates

Product	Rate	APR
Advantage Visa Card	-	9.75%
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.50% → 9.75% ▲ 0.25 pts · high 9.75% / low 9.50% Oct 9, 20269.75%▲ from 9.50% Sep 14, 20269.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Rewards Visa Card	-	13.00%
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 9, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Volt Rewards Visa Card	-	13.00%
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 9, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Arbor Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	11.99%	Up to 36 months
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.99% → 11.99% ▲ 1.00 pts · high 11.99% / low 10.99% Oct 9, 202611.99%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Personal Loans	12.49%	37 to 60 months
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 12.49% ▲ 1.00 pts · high 12.49% / low 11.49% Oct 9, 202612.49%▲ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Personal Loans	13.99%	61 to 84 months
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.99% ▲ 1.00 pts · high 13.99% / low 12.99% Oct 9, 202613.99%▲ from 12.99% Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Arbor Financial Credit Union Other Rates

Product	Rate	Points	APY/APR
FlexLOC Loan	-	-	9.75%
Details As Low As* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%
Holiday Loan	-	-	11.99%
Details For every holiday loan opened this season, Arbor is donating $20 to a local food pantry. No payments for 60 days. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Arbor Financial Credit Union’s Texas Ratio fell from 15.84% in Q3 2023 to 12.10% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.9 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
June 30, 2026	$899M	12.10%	5.0	A
March 31, 2026	$905M	8.66%	5.0	A
December 31, 2025	$914M	12.08%	5.0	A
September 30, 2025	$898M	10.41%	5.0	A
June 30, 2025	$902M	13.17%	5.0	A
March 31, 2025	$898M	10.38%	5.0	A
December 31, 2024	$903M	14.86%	5.0	A-
September 30, 2024	$938M	14.37%	5.0	A-
June 30, 2024	$973M	14.08%	5.0	A-
March 31, 2024	$973M	14.38%	5.0	A-
December 31, 2023	$969M	13.08%	5.0	A
September 30, 2023	$901M	15.84%	4.9	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 Arbor Financial 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 Arbor Financial 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 Arbor Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Arbor Financial Credit Union

Website https://www.arborfcu.org

Address 1551 S 9TH ST, KALAMAZOO, MI 49009-9404

Phone 269-375-6702

Fax 269-544-3488

President David Aubry

CEO Julie Blitchok

Full-Time Employees 188

Part-Time Employees 7

Branch Locations 13

ATM Locations 12

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.10%

Return on Assets (ROA)

0.4143%

Return on Equity (ROE)

3.9051%

Non-Performing Loans Ratio (NPL)

1.81%

Total Assets

898,992,233

Total Amount of Shares and Deposits

770,580,455

Total Shares and Deposits < 1 Year

763,344,117

Total Shares and Deposits 1 3 Years

6,097,441

Total Shares and Deposits > 3 Years

1,138,894

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

58,035,621

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

58,035,621

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

712,544,834

Total Interest Expense (Sum of items 6 8)

5,597,454

Share Certificates

1,655

Number of Accounts for Share Drafts

40,218

IRA KEOGH Accounts

1,035

Number of Accounts for Regular Shares

61,687

All other shares

3,618

Money Market Shares

3,725

Net Income (unless the amount is already included in Undivided Earnings)

3,724,563

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)

39,755,288

Total Liabilities

819,073,037

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Arbor Financial Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Arbor Financial Credit Union

How many branches does Arbor Financial Credit Union operate?

Arbor Financial 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 Arbor Financial Credit Union?

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

Does Arbor Financial Credit Union offer online and mobile banking?

Most modern institutions like Arbor Financial 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.arborfcu.org.

Current Arbor Financial Credit Union Rates

12-Month CD3.45%
24-Month CD3.55%
60-Month CD4.05%
Savings3.00%
MMA3.00%

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

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Arbor Financial Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Arbor Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Arbor Financial Credit Union

How many branches does Arbor Financial Credit Union operate?

Is a member application needed to join Arbor Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Arbor Financial Credit Union offer online and mobile banking?

Current Arbor Financial Credit Union Rates

Compare to Other Credit Unions