What are the current interest rates at ARH Federal Credit Union?

Current rates for ARH Federal Credit Union include: 12-Month CD: 2.02%, 24-Month CD: 2.54%, Savings: 0.10%

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ARH Federal Credit Union

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ARH Federal Credit Union Rates & Review October 2026

Q: How many branches does ARH Federal Credit Union operate?

ARH Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join ARH Federal Credit Union?

Yes, to access services at ARH Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ARH Federal 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

ARH Federal Credit Union's top rates as of October 9, 2026 are 2.79% APY on its 36-month CD, and 0.10% APY on savings, according to rates verified by MonitorBankRates. Other ARH Federal Credit Union CD rates include 24-month CD at 2.54%, and 12-month CD at 2.02%. MonitorBankRates evaluates the financial stability of ARH Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.81%. Rates last updated and verified on 10/09/2026.

ARH Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ARH Federal Credit Union? Share your experience about ARH Federal Credit Union by leaving a review below, or read customer reviews before you decide to use ARH Federal Credit Union.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.81%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

ARH Federal Credit Union
ARH FEDERAL CREDIT UNION

3805 CUMBERLAND AVE
MIDDLESBORO, KY 40965

https://www.arhfcu.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.

ARH Federal Credit Union CD Rates

Product	Rate	APY	Term
36-month Certificate	2.75%	2.79%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 2.79% → 2.79% ▼ 0.00 pts · high 2.79% / low 2.79% Sep 29, 20262.79%▼ from 2.79% Sep 25, 20262.79%▼ from 2.79% Sep 21, 20262.79%▼ from 2.79% Sep 18, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
24-month Certificate	2.50%	2.54%	24 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 2.54% → 2.54% ▲ 0.00 pts · high 2.54% / low 2.54% Sep 29, 20262.54%▲ from 2.54% Sep 25, 20262.54%▼ from 2.54% Sep 21, 20262.54%▼ from 2.54% Sep 18, 20262.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
12-month Certificate	2.00%	2.02%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.02% → 2.02% ▼ 0.00 pts · high 2.02% / low 2.02% Sep 29, 20262.02%▼ from 2.02% Sep 18, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%

ARH Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Christmas Club (Funded once a year in October)	0.10%	-	0.10%	1 year
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
Education	0.10%	-	0.10%	1 year
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
Impounds	0.10%	-	0.10%	1 year
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
Investment Account	0.10%	-	0.10%	1 year
Min Deposit $2,500 Details Minimum $2,500.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
IRA Savings	0.10%	-	0.10%	1 year
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
MISC (2nd or 3rd Savings)	0.10%	-	0.10%	1 year
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
Regular Shares	0.10%	-	0.10%	1 year
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
Taxes/Insurance	0.10%	-	0.10%	1 year
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%
Vacation Club	0.10%	-	0.10%	1 year
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.81%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

ARH Federal Credit Union’s Texas Ratio fell from 4.64% in Q3 2023 to 2.81% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$20M	2.81%	5.0	A+
March 31, 2026	$20M	2.08%	5.0	A+
December 31, 2025	$19M	5.11%	5.0	A+
September 30, 2025	$19M	4.02%	5.0	A+
June 30, 2025	$20M	3.45%	5.0	A+
March 31, 2025	$19M	1.70%	5.0	A+
December 31, 2024	$19M	4.05%	5.0	A+
September 30, 2024	$19M	3.13%	5.0	A+
June 30, 2024	$19M	4.15%	5.0	A+
March 31, 2024	$18M	3.47%	5.0	A+
December 31, 2023	$17M	6.24%	5.0	A
September 30, 2023	$17M	4.64%	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 ARH Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather ARH Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with ARH Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ARH Federal Credit Union

Website https://www.arhfcu.org

Address 3805 CUMBERLAND AVE, MIDDLESBORO, KY 40965

Phone 606-248-8566

Fax 606-248-7716

President MICHEAL JUSTICE

CEO KIM HELTON

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.81%

Return on Assets (ROA)

0.6129%

Return on Equity (ROE)

2.2755%

Non-Performing Loans Ratio (NPL)

1.32%

Total Assets

19,886,947

Total Amount of Shares and Deposits

14,427,817

Total Shares and Deposits < 1 Year

14,426,158

Total Shares and Deposits 1 3 Years

1,659

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

733,947

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

733,947

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

13,693,870

Total Interest Expense (Sum of items 6 8)

40,344

Share Certificates

Number of Accounts for Share Drafts

2,129

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,628

All other shares

149

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

121,883

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,436,303

Total Liabilities

14,530,643

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

ARH Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/arh-federal-credit-union-rates-review-20438">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About ARH Federal Credit Union

How many branches does ARH Federal Credit Union operate?

ARH Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join ARH Federal Credit Union?

Yes, to access services at ARH Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, ARH Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, ARH Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does ARH Federal Credit Union offer online and mobile banking?

Most modern institutions like ARH Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.arhfcu.org.