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 August 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: August 28, 2026

ARH Federal Credit Union's 36-month rates are at 2.79%, 24-month rates are at 2.54%, 12-month rates are at 2.02%. ARH Federal Credit Union's savings rates are at 0.10%. 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 4.02%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.02%

Excellent Lower than avg

ARH Federal Credit Union
ARH FEDERAL CREDIT UNION

3805 CUMBERLAND AVE
MIDDLESBORO, KY 40965

https://www.arhfcu.org

ARH Federal Credit Union CD Rates

Product	Rate	APY	Term
36-month	2.75%	2.79%	36 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
24-month	2.50%	2.54%	24 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
12-month	2.00%	2.02%	12 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

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.

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+ (98/100)

Texas Ratio

4.02%

Return on Assets (ROA)

0.8131%

Return on Equity (ROE)

2.9823%

Non-Performing Loans Ratio (NPL)

2.03%

Total Assets

18,963,298

Total Amount of Shares and Deposits

13,689,297

Total Shares and Deposits < 1 Year

13,661,531

Total Shares and Deposits 1 3 Years

27,766

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

628,438

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

628,438

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

13,060,859

Total Interest Expense (Sum of items 6 8)

103,250

Share Certificates

Number of Accounts for Share Drafts

2,093

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,926

All other shares

166

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

154,187

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)

5,719,349

Total Liabilities

13,793,147

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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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.