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Marisol Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 20, 2026
Marisol Federal Credit Union's 24 Month CDs rates are at 2.79%, Individual Retirement Accounts - CDs - 24 month rates are at 2.79%, 36 Month CDs rates are at 2.53%, 60 Month CDs rates are at 2.53%, Individual Retirement Accounts - CDs - 36 month rates are at 2.53%. Marisol Federal Credit Union's savings rates are at 0.02%. Marisol Federal Credit Union's money market rates are at 0.31%. Marisol Federal Credit Union's Personal Loan Rates are as low as 9.00%. MonitorBankRates evaluates the financial stability of Marisol Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.06%. Rates last updated and verified on 09/20/2026.
Marisol 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 Marisol Federal Credit Union? Share your experience about Marisol Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Marisol Federal Credit Union.
Marisol Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Marisol Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.06%
ExcellentLower than avg
Marisol Federal Credit Union Texas Ratio
Marisol Federal Credit Union's Texas Ratio is 1.06%, which is considered excellent and is lower than the national average of 6.13%.
Marisol Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.21% to 1.06% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsA 50-basis point discount on the interest rate if loan pays by payroll deduction. Rates quoted to not include the discount available. MariSol does not accept a vehicle with a salvage title for loan collateral. The monthly payment on a loan for $25,000 at 4.00% APR for 64 months is $434.48.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
5.15%
64 months
Details*Rate is dependent upon credit score and term of loan and mileage. MFCU reserves the right to require a down payment. A 50 basis point discount on the interest rate if a 10% or more down payment on a used or new vehicle. A 50 basis point discount on the interest rate if loan pays by payroll deduction. No salvage titles. The payment on a $25,000 loan at 64 months at 5.15% APR is $447.56.
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
6.25%
up to 48 Months
DetailsCredit Score: 725+
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
6.75%
49 - 64 Months
DetailsCredit Score: 725+
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Auto Repair Loan - Max
-
-
6.99%
Up to 36 months
Details$6,000; Credit Score 725+
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Electric Vehicle and Hybrid Plug In Electric Model Years 2020-2026 Loan
-
-
6.99%
up to 84 months
DetailsCredit Score: 725+
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
7.25%
up to 48 months
DetailsCredit Score: 725+
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
7.75%
up to 48 Months
DetailsCredit Score: 680-724
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
7.75%
65 - 84 Months
DetailsLoan amount greater than $20,000; Credit Score: 725+
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
8.00%
49-64 months
DetailsCredit Score: 725+
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
8.25%
49 - 64 Months
DetailsCredit Score: 680-724
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
8.75%
up to 48 months
DetailsCredit Score: 680-724
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
8.75%
65 - 84 Months
DetailsLoan amount greater than $20,000; Credit Score: 680-724
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
9.00%
65 to 84 months
DetailsCredit Score: 725+
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
9.25%
up to 48 Months
DetailsCredit Score: 640-679
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
9.50%
49-64 months
DetailsCredit Score: 680-724
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
9.75%
49 - 64 Months
DetailsCredit Score: 640-679
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
10.00%
65 to 84 months
DetailsCredit Score: 680-724
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
10.25%
up to 48 months
DetailsCredit Score: 640-679
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
10.25%
65 - 84 Months
DetailsLoan amount greater than $20,000; Credit Score: 640-679
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
11.00%
49-64 months
DetailsCredit Score: 640-679
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
11.25%
up to 48 Months
DetailsCredit Score: 600-639
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
11.50%
65 to 84 months
DetailsCredit Score: 640-679
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
11.75%
49 - 64 Months
DetailsCredit Score: 600-639
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
12.25%
up to 48 months
DetailsCredit Score: 600-639
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
12.25%
up to 48 Months
DetailsCredit Score: 560-599
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
12.25%
65 - 84 Months
DetailsLoan amount greater than $20,000; Credit Score: 600-639
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
12.75%
49 - 64 Months
DetailsCredit Score: 560-599
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
13.00%
49-64 months
DetailsCredit Score: 600-639
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
13.25%
up to 48 months
DetailsCredit Score: 560-599
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
13.25%
up to 48 Months
DetailsCredit Score: 559 & Under
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
13.25%
65 - 84 Months
DetailsLoan amount greater than $20,000; Credit Score: 560-599
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
13.50%
65 to 84 months
DetailsCredit Score: 600-639
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
13.75%
49 - 64 Months
DetailsCredit Score: 559 & Under
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
14.00%
49-64 months
DetailsCredit Score: 560-599
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
14.25%
up to 48 months
DetailsCredit Score: 559 & under
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Vehicles - Model Years 2025 and Newer Loan
-
-
14.25%
65 - 84 Months
DetailsLoan amount greater than $20,000; Credit Score: 559 & Under
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
14.50%
65 to 84 months
DetailsCredit Score: 560-599
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
15.00%
49-64 months
DetailsCredit Score: 559 & under
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Used Vehicles Model Years 2018-2024 Loan
-
-
15.50%
65 to 84 months
DetailsCredit Score: 559 & under
Last Updated09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Marisol Federal Credit Union RV, Boat and Powersport Loan Rates
Marisol Federal Credit Union’s Texas Ratio fell from 2.21% in Q2 2023 to 1.06% in Q1 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 — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
March 31, 2026
$50M
1.06%
5.0
A+
December 31, 2025
$49M
3.41%
5.0
A+
September 30, 2025
$48M
1.30%
5.0
A+
June 30, 2025
$49M
2.85%
5.0
A+
March 31, 2025
$49M
1.12%
5.0
A+
December 31, 2024
$48M
1.55%
5.0
A+
September 30, 2024
$48M
2.07%
5.0
A+
June 30, 2024
$50M
2.86%
5.0
A+
March 31, 2024
$52M
2.53%
5.0
A+
December 31, 2023
$50M
3.26%
5.0
A+
September 30, 2023
$51M
3.11%
5.0
A+
June 30, 2023
$53M
2.21%
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 Marisol 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 Marisol 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 Marisol Federal Credit Union's official website for the most current offers and terms.
Address
1515 W Roosevelt St,
Phoenix, AZ 85007-2034
Phone602-252-6831
Fax602-252-6447
PresidentMary Harden
CEORobin Romano
Full-Time Employees17
Part-Time Employees2
Branch Locations3
ATM Locations1
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
1.06%
Return on Assets (ROA)
0.0836%
Return on Equity (ROE)
0.6195%
Non-Performing Loans Ratio (NPL)
0.28%
Total Assets
50,052,242
Total Amount of Shares and Deposits
41,656,428
Total Shares and Deposits < 1 Year
39,626,832
Total Shares and Deposits 1 3 Years
1,735,556
Total Shares and Deposits > 3 Years
294,040
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
784,471
Total Uninsured Shares and Deposits > $250K (F+J)
2,278,471
Total Insured Shares and Deposits > $250K (item 17 less item K)
39,377,957
Total Interest Expense (Sum of items 6 8)
51,125
Share Certificates
138
Number of Accounts for Share Drafts
2,614
IRA KEOGH Accounts
72
Number of Accounts for Regular Shares
5,773
All other shares
519
Non Member Deposits
12
Money Market Shares
89
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)
5,124,924
Total Liabilities
43,349,597
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Marisol Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
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 — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Marisol Federal Credit Union
How many branches does Marisol Federal Credit Union operate?
Marisol 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 Marisol Federal Credit Union?
Yes, to access services at Marisol 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, Marisol 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, Marisol Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Marisol Federal Credit Union offer online and mobile banking?
Most modern institutions like Marisol 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.marisolcu.org.
Current Marisol Federal Credit Union Rates
12-Month CD2.02%
24-Month CD2.79%
60-Month CD2.53%
Savings0.02%
MMA0.31%
Retrieved from our database of financial products. Rates subject to change.