Rates – Loans

Rates are effective as of May 18, 2022.

Vehicle Loans

New Vehicle Loan Rates:
0 – 36 Months 2.49% – 18.00% APR*
37 – 48 Months 2.49% – 18.00% APR*
49 – 60 Months 2.49% – 18.00% APR*
61 – 72 Months 3.49% – 18.00% APR*
73 – 84 Months 3.49% – 18.00% APR*
Used Vehicle Loan Rates:
0 – 36 Months 2.49% – 18.00% APR*
37 – 48 Months 2.49% – 18.00% APR*
49 – 60 Months 2.49% – 18.00% APR*
61-72 Months 3.49% – 18.00% APR*
Motorcycle Loan Rates: 2006 – Current Model Year
0 – 36 Months 9.99% – 18.00% APR*
37 – 48 Months 9.99% – 18.00% APR*
49 – 60 Months 9.99% – 18.00% APR*
61 – 84 Months (2011 – Current Model Year) 10.99% – 18.00% APR*
Recreational Vehicle Loan Rates:
0 – 36 Months 9.99% – 18.00% APR*
37 – 48 Months 9.99% – 18.00% APR*
49 – 60 Months 9.99% – 18.00% APR*
61 – 84 Months 10.99% – 18.00% APR*
85-120 months (Recreational vehicles >$25,000) 11.39% – 18.00% APR*

*APR = Annual Percentage Rate.

Loan rates are based on the creditworthiness of applicants and may vary from those shown above. Refinancing a current Arize loan requires adding $2,500 to the loan; the vehicle value must be sufficient collateral for the loan. These rates are subject to change at any time.

Home Loans

Home Equity Fixed Term Loans
5 years 4.50% – 18.00% APR*
10 years 4.99% – 18.00% APR*
15 years 5.79% – 18.00% APR*
Addtional Rates Available up to 95% LTV
Prime Home Equity Variable Lines of Credit
No term/Revolving 2.99% APR**

Promotional Rate of 2.99% APR*** for 24 months available for a limited time. Check out our HELOC page for more details.

Home Loans (Mortgage)
Check rates, Learn More, Pre-qualify, Pre-approve, or Apply for a home loan at the press of a button!
For Jumbo Rates on home loans over $417,000, call us at (877) 342-5975.

*APR = Annual Percentage Rate. The minimum loan amount is $10,000; the maximum is $200,000. Check with the credit union for rates. Loan rates are based on the creditworthiness of applicants and may vary from those shown above. If you borrow $25,0000 for a home equity loan with a rate of 4.99% APR for 15 years you will pay $127.22 per year for every $1,000 borrowed at 4.99% for 15 years. Example for illustration purposes only.

**APR = Annual Percentage Rate. 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.

***2.99 Introductory Annual Percentage Rate (APR) applies for 24 months upon loan closing and with auto-payments deducted from an Arize checking account. After 24-months, any remaining balance plus subsequent advances are subject to a standard variable APR, currently 2.99% APR. APRs are based on Prime Rate minus a 0.26% margin and are current as of 3/1/2022. The minimum loan amount is $10,000. The maximum LTV is 90%. Applicable to owner-occupied primary residence only. Property and Hazard insurance are required; flood insurance may be required. Consult with your tax advisor on possible tax benefits. The borrower is responsible for the closing and appraisal costs, which typically range from $250 – $500. Additional fees may apply. After the first advance, the minimum amount of each subsequent advance is $300. The monthly payment may vary based on the loan balance and market conditions. Arize reserves the right to end this promotional rate at any time. New money loans only. Applications subject to approval. Certain additional restrictions may apply. For further information regarding this promotion, don’t hesitate to contact the credit union. All offers are subject to change without notice. NMLS# 648706

For a better understanding of Home Equity Lines of Credit please read: What you should know about Home Equity Lines of Credit

Consult a tax advisor regarding the deductibility of interest.

NMLS #648706

Unsecured Loans

Unsecured Fixed Personal Loans
0 – 12 Months 9.99% – 18.00% APR*
13 – 36 Months 9.99% – 18.00% APR*
37 – 48 Months 9.99% – 18.00% APR*
49 – 60 Months 9.99% – 18.00% APR*
Unsecured Lines of Credit
All Terms 12.95% APR*

*APR = Annual Percentage Rate. The minimum loan is $1,000. Loan rates are based on the creditworthiness of applicants and may vary from those shown above. To refinance an existing Arize loan, an additional $1,000 must be added to the loan.

Fresh Start Loans

Up to 60 Months 18.00% APR*

*APR = Annual Percentage Rate. Loan rates are based on the creditworthiness of applicants and may vary from those shown above.

Other Loans

Lot Loans
1 – 84 Months 7.69% APR*
Land Loans
0 – 60 Months 8.95% APR*
61 – 84 Months 9.95% APR*
Share Secured Loans
All Terms 4.83% APR*

*APR = Annual Percentage Rate. Loan rates are based on the creditworthiness of applicants and may vary from those shown above.

Mastercard Credit Cards

Mastercard Credit Card 9.99% – 18.00% APR*

*APR = Annual Percentage Rate. Loan rates are based on the creditworthiness of applicants and may vary from those shown above.