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

Current rates for Arize Federal Credit Union include: 12-Month CD: 0.35%, 24-Month CD: 0.45%, 60-Month CD: 0.70%, Savings: 1.95%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Arize Federal Credit Union

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Arize Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Arize 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, Arize 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 5, 2026

Arize Federal Credit Union's top rates as of October 5, 2026 are 4.50% APY on its 11-Month Special Term CD, 1.95% APY on savings, 4.08% APY on checking, personal loans from 8.49% APR, and credit cards from 12.99% APR, according to rates verified by MonitorBankRates. Other Arize Federal Credit Union CD rates include 13-Month Special Term CD at 4.05%, Business Term CDs - 13-Month Special at 4.05%, and 60 Month Term CD at 0.70%. MonitorBankRates evaluates the financial stability of Arize Federal Credit Union with a 4.8 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.86%. Rates last updated and verified on 10/05/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 90/100

MonitorBankRates Rating

4.8

Exceptional Out of 5.0 Stars

Texas Ratio

16.86%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Arize Federal Credit Union
State College - Benner Pike

1145 Benner Pike
State College, PA 16801

https://www.arizefcu.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.

Arize Federal Credit Union CD Rates

Product	Rate	APY	Term
11-Month Special Term Share Certificate	4.40%	4.50%	11-Month
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 4.50% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
13-Month Special Term Share Certificate	3.97%	4.05%	13-Month
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 4.05% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
60 Month Term Share Certificate	0.70%	0.70%	60 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
48 Month Term Share Certificate	0.65%	0.65%	48 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
36 Month Term Share Certificate	0.50%	0.50%	36 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
24 Month Term Share Certificate	0.45%	0.45%	24 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
12 Month Term Share Certificate	0.35%	0.35%	12 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
3 Month Term Share Certificate	0.30%	0.30%	3 Months
Min Deposit $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
6 Month Term Share Certificate	0.30%	0.30%	6 Months
Min Deposit $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business Term Share Certificates - 13-Month Special	3.97%	4.05%	13-Month
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 4.05% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Term Share Certificates - 60 month	0.70%	0.70%	60 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Term Share Certificates - 48 month	0.65%	0.65%	48 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Term Share Certificates - 36 month	0.50%	0.50%	36 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Term Share Certificates - 24 month	0.45%	0.45%	24 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Term Share Certificates - 12 month	0.35%	0.35%	12 Months
Min Deposit $500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Term Share Certificates - 3 month	0.30%	0.30%	3 Months
Min Deposit $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Term Share Certificates - 6 month	0.30%	0.30%	6 Months
Min Deposit $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union Savings Rates

Product	Rate	APY
Savings	1.93%	1.95%
Min Balance $250,000 Details Balance: $250,000.00+ Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
IRA Savings	0.20%	0.20%
Min Deposit $0 Min Balance $100 Details Dividends Compounded Quarterly; Dividends Credited Quarterly; Dividend Period Calendar Quarter Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 0.30% → 0.20% ▼ 0.10 pts · high 0.30% / low 0.20% Oct 5, 20260.20%▼ from 0.30% Sep 14, 20260.30%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Savings	0.20%	0.20%
Min Deposit $5 Min Balance $100 Details Dividends Compounded Quarterly; Dividends Credited Quarterly; Dividend Period Calendar Quarter Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 0.30% → 0.20% ▼ 0.10 pts · high 0.30% / low 0.20% Oct 5, 20260.20%▼ from 0.30% Sep 14, 20260.30%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Secondary Share Savings	0.20%	0.20%
Min Deposit $0 Min Balance $100 Details Dividends Compounded Quarterly; Dividends Credited Quarterly; Dividend Period Calendar Quarter Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 0.30% → 0.20% ▼ 0.10 pts · high 0.30% / low 0.20% Oct 5, 20260.20%▼ from 0.30% Sep 14, 20260.30%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	1.93%	1.95%
Min Balance $250,000 Details Balance: $250,000.00+ Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 1.95% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Commercial Share Savings	1.00%	1.00%
Min Deposit $5 Min Balance $100 Details Dividends Compounded Quarterly; Dividends Credited Quarterly; Dividend Period Calendar Quarter Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Savings	0.30%	0.30%
Min Deposit $5 Min Balance $100 Details Dividends Compounded Quarterly; Dividends Credited Quarterly; Dividend Period Calendar Quarter Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Special Savings	0.30%	0.30%
Min Deposit $0 Min Balance $100 Details Dividends Compounded Quarterly; Dividends Credited Quarterly; Dividend Period Calendar Quarter Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union Checking Rates

Product	Rate	APY
Arize Elevate Checking	4.00%	4.08%
Min Balance $0 Details Published APY range: 4.08%-4.08%. Balance: $0.00-$1,000.00 Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 4.08% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Arize Elevate Checking	3.00%	4.08%
Min Balance $1,000 Details Published APY range: 4.08%-3.46%. Balance: $1,000.01-$2,500.00 Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 4.08% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Arize Elevate Checking	2.00%	3.46%
Min Balance $2,500 Details Published APY range: 3.46%-2.76%. Balance: $2,500.01-$5,000.00 Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 3.46% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Essential Checking	0.20%	0.20%
Min Deposit $0 Min Balance $0 Details Dividends Compounded Monthly; Dividends Credited Monthly; Dividend Period Calendar Month Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union Business Checking Rates

Product	Rate	APY
Elevate Business Checking	4.00%	4.08%
Min Balance $0 Details Published APY range: 4.08%-4.08%. Balance: $0.00-$1,000.00 Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 4.08% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Elevate Business Checking	3.00%	4.08%
Min Balance $1,000 Details Published APY range: 4.08%-3.46%. Balance: $1,000.01-$2,500.00 Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 4.08% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Elevate Business Checking	2.00%	3.46%
Min Balance $2,500 Details Published APY range: 3.46%-2.76%. Balance: $2,500.01-$5,000.00 Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 3.46% APY Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Business Checking	0.20%	0.20%
Min Deposit $0 Min Balance $0 Details Dividends Compounded Monthly; Dividends Credited Monthly; Dividend Period Calendar Month Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Prime Home Equity Variable Line of Credit	-	-	6.74%	revolving
Details This is a variable rate line of credit based on the Prime Rate minus a 0.26% margin. The annual percentage rate can change on the first day of each month. The minimum payment is $100, rounded to the nearest $1.00. The maximum APR is 18%. After you obtain the first advance, the minimum amount of each subsequent advance is $300. Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 6.74% APR Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles - 2026, 2025 & New 2024 Loan	-	-	6.24%	0-60 Months
Details Published APR range: 6.24%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
New Vehicles Loan	-	-	6.24%	60 months
Details Loan amount: $1,000; For loan-to-value ratios greater than 100% and up to 110%, add 0.50 percentage points to the applicable rate. Minimum loan amount is $5,000. Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 6.24% APR Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
New Vehicles - 2026, 2025 & New 2024 Loan	-	-	6.49%	61-72 Months
Details Published APR range: 6.49%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Used Vehicles - 2024-2022 Loan	-	-	6.74%	0-60 Months
Details Published APR range: 6.74%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Used Vehicles Loan	-	-	6.74%	60 months
Details Additional APR listed for this product: 6.99%. Loan amount: $1,000; For loan-to-value ratios greater than 100% and up to 110%, add 0.50 percentage points to the applicable rate. Minimum loan amount is $5,000. Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 6.74% APR Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Used Vehicles - 2021 or Older Loan	-	-	6.99%	0-60 Months
Details Published APR range: 6.99%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
New Vehicles - 2026, 2025 & New 2024 Loan	-	-	7.24%	73-84 Months
Details Published APR range: 7.24%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Used Vehicles - 2024-2022 Loan	-	-	7.24%	61-72 Months
Details Published APR range: 7.24%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Used Vehicles - 2021 or Older Loan	-	-	7.49%	61-72 Months
Details Published APR range: 7.49%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Used Vehicles - 2024-2022 Loan	-	-	8.24%	73-84 Months
Details Published APR range: 8.24%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles - 2006 to Current Loan	-	11.24%	0-60 Months
Details Published APR range: 11.24%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 2 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Motorcycles Loan	-	11.24%	60 months
Details Loan amount: $1,000; For loan-to-value ratios greater than 100% and up to 110%, add 0.50 percentage points to the applicable rate. Minimum loan amount is $5,000. Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 11.24% APR Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Recreational Vehicles Loan	-	11.24%	0-60 Months
Details Published APR range: 11.24%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Motorcycles - 2006 to Current Loan	-	12.24%	61-84 Months
Details Published APR range: 12.24%-18.00%. APR*; 2011-Current Model Year Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 2 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Recreational Vehicles Loan	-	12.24%	61-84 Months
Details Published APR range: 12.24%-18.00%. APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Recreational Vehicles Loan	-	12.64%	85-120 Months
Details Published APR range: 12.64%-18.00%. APR*; Recreational vehicles over $25,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 12.64% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard Rewards Credit Card	-	12.99%
Details Published APR range: 12.99%-18.00%. The foreign transaction fee is 1.00% of each transaction in U.S. dollars. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

Arize Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.49%	Up to 12 Months
Details Credit Tier: A+ (760+) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	8.74%	13-36 Months
Details Credit Tier: A+ (760+) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	8.99%	37-48 Months
Details Credit Tier: A+ (760+) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	9.24%	49-60 Months
Details Credit Tier: A+ (760+) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	9.49%	61-84 Months
Details Credit Tier: A+ (760+) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	10.24%	Up to 12 Months
Details Credit Tier: A (720-759) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	10.49%	13-36 Months
Details Credit Tier: A (720-759) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	10.74%	37-48 Months
Details Credit Tier: A (720-759) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	10.99%	49-60 Months
Details Credit Tier: A (720-759) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	11.24%	61-84 Months
Details Credit Tier: A (720-759) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	12.49%	Up to 12 Months
Details Credit Tier: B (680-719) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	12.74%	13-36 Months
Details Credit Tier: B (680-719) Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 12.74% APR · checked 7 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	12.99%	37-48 Months
Details Credit Tier: B (680-719) Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 10.74% → 12.99% ▲ 2.25 pts · high 12.99% / low 10.74% Sep 17, 202612.99%▲ from 10.74% Sep 14, 202610.74%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	12.99%	Up to 12 Months
Details Credit Tier: C (640-679) Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 12.49% → 12.99% ▲ 0.50 pts · high 18.00% / low 12.49% Oct 5, 202612.99%▼ from 18.00% Sep 21, 202618.00%▲ from 12.99% Sep 17, 202612.99%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	13.24%	49-60 Months
Details Credit Tier: B (680-719) Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 13.74% → 13.24% ▼ 0.50 pts · high 13.74% / low 13.24% Sep 17, 202613.24%▼ from 13.74% Sep 14, 202613.74%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	13.24%	13-36 Months
Details Credit Tier: C (640-679) Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 12.74% → 13.24% ▲ 0.50 pts · high 18.00% / low 12.74% Oct 5, 202613.24%▼ from 18.00% Sep 21, 202618.00%▲ from 13.24% Sep 17, 202613.24%▲ from 12.74% Sep 14, 202612.74%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	13.49%	61-84 Months
Details Credit Tier: B (680-719) Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 13.99% → 13.49% ▼ 0.50 pts · high 13.99% / low 13.49% Sep 17, 202613.49%▼ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	13.49%	37-48 Months
Details Credit Tier: C (640-679) Last Updated 10/05/2026 Rate History 3 changes since Sep 14, 2026 · 10.74% → 13.49% ▲ 2.75 pts · high 18.00% / low 10.74% Oct 5, 202613.49%▼ from 18.00% Sep 21, 202618.00%▲ from 13.49% Sep 17, 202613.49%▲ from 10.74% Sep 14, 202610.74%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Unsecured Lines of Credit Loan	13.49%
Details To refinance an existing Arize loan, an additional $1,000 must be added to the existing loan amount. Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 13.49% APR · checked 3 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	13.74%	49-60 Months
Details Credit Tier: C (640-679) Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 13.74% → 13.74% ▼ 0.00 pts · high 18.00% / low 13.74% Oct 5, 202613.74%▼ from 18.00% Sep 21, 202618.00%▲ from 13.74% Sep 14, 202613.74%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	13.99%	61-84 Months
Details Credit Tier: C (640-679) Last Updated 10/05/2026 Rate History 2 changes since Sep 14, 2026 · 13.99% → 13.99% ▼ 0.00 pts · high 18.00% / low 13.99% Oct 5, 202613.99%▼ from 18.00% Sep 21, 202618.00%▲ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	18.00%	Up to 12 Months
Details Credit Tier: D (600-639) Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 12.49% → 18.00% ▲ 5.51 pts · high 18.00% / low 12.49% Sep 17, 202618.00%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	18.00%	13-36 Months
Details Credit Tier: D (600-639) Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 12.74% → 18.00% ▲ 5.26 pts · high 18.00% / low 12.74% Sep 17, 202618.00%▲ from 12.74% Sep 14, 202612.74%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	18.00%	37-48 Months
Details Credit Tier: D (600-639) Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 10.74% → 18.00% ▲ 7.26 pts · high 18.00% / low 10.74% Sep 17, 202618.00%▲ from 10.74% Sep 14, 202610.74%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	18.00%	49-60 Months
Details Credit Tier: D (600-639) Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 13.74% → 18.00% ▲ 4.26 pts · high 18.00% / low 13.74% Sep 17, 202618.00%▲ from 13.74% Sep 14, 202613.74%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%
Personal Loan	18.00%	61-84 Months
Details Credit Tier: D (600-639) Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 13.99% → 18.00% ▲ 4.01 pts · high 18.00% / low 13.99% Sep 17, 202618.00%▲ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 16.86%

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Financial Health History

Arize Federal Credit Union’s Texas Ratio rose from 5.16% in Q3 2023 to 16.86% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 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	$176M	16.86%	4.8	A-
March 31, 2026	$175M	12.83%	5.0	A
December 31, 2025	$172M	21.19%	4.5	B
September 30, 2025	$177M	20.33%	4.6	B
June 30, 2025	$162M	20.25%	4.6	B
March 31, 2025	$164M	14.19%	5.0	A-
December 31, 2024	$161M	7.51%	5.0	A
September 30, 2024	$155M	6.08%	5.0	A
June 30, 2024	$159M	4.88%	5.0	A+
March 31, 2024	$158M	6.90%	5.0	A
December 31, 2023	$156M	6.79%	5.0	A
September 30, 2023	$150M	5.16%	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 Arize 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 Arize 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 Arize Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Arize Federal Credit Union

Website https://www.arizefcu.org

Address 1145 Benner Pike, State College, PA 16801

Phone 814-237-5458

Fax

President Monica Wright

CEO Michael Meier

Full-Time Employees 37

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

4.8 / 5.0 ★

Overall Health & Safety Grade

A- (90/100)

Texas Ratio

16.86%

Return on Assets (ROA)

0.0955%

Return on Equity (ROE)

1.2203%

Non-Performing Loans Ratio (NPL)

2.12%

Total Assets

175,859,366

Total Amount of Shares and Deposits

162,593,178

Total Shares and Deposits < 1 Year

160,503,862

Total Shares and Deposits 1 3 Years

1,847,334

Total Shares and Deposits > 3 Years

241,982

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

7,106,741

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

7,106,741

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

155,486,437

Total Interest Expense (Sum of items 6 8)

1,251,273

Share Certificates

1,014

Number of Accounts for Share Drafts

8,715

IRA KEOGH Accounts

296

Number of Accounts for Regular Shares

15,975

Non Member Deposits

8,000

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)

17,452,409

Total Liabilities

164,880,837

Source: NCUA — Last Updated 06/30/2026

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Frequently Asked Questions About Arize Federal Credit Union

How many branches does Arize Federal Credit Union operate?

Arize 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 Arize Federal Credit Union?

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

Does Arize Federal Credit Union offer online and mobile banking?

Most modern institutions like Arize 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.arizefcu.org.