Rates – Loans

Rates are effective as of September 19, 2022.

Vehicle Loans

New Vehicle Loan Rates:
0 – 36 Months 4.49% – 18.00% APR*
37 – 48 Months 4.74% – 18.00% APR*
49 – 60 Months 4.99% – 18.00% APR*
61 – 72 Months 5.24% – 18.00% APR*
73 – 84 Months 5.49% – 18.00% APR*
Used Vehicle Loan Rates:
0 – 36 Months 4.99% – 18.00% APR*
37 – 48 Months 5.24% – 18.00% APR*
49 – 60 Months 5.49% – 18.00% APR*
61-72 Months 5.99% – 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 Loans (Mortgage) NMLS #648706
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.

Home Equity Fixed Term Loans

Home Equity Fixed Term Loans
5 years 5.75% – 18.00% APR*
10 years 6.24% – 18.00% APR*
15 years 7.04% – 18.00% APR*
Additional Rates Available up to 95% LTV

*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. NMLS #648706

Prime Home Equity Lines of Credit

Prime Home Equity Variable Lines of Credit
No term/Revolving 4.24% APR* for up to 2 years

5.74% APR* for up to 5 years

Introductory Rates** are available for a limited time. After the introductory fixed-rate period of two years or five years, the rate is variable and is currently 5.24% APR which is equal to the Prime Rate minus a 0.26% margin.

*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.

**Special Introductory Annual Percentage Rate (APR) of 4.24% is fixed for the first two years from the time of closing, OR Special Introductory Annual Percentage Rate (APR) of 5.74% is fixed for the first five years from the time of closing, and are valid for new home equity line of credit (HELOC) applications. After the introductory fixed-rate period of two years or five years, the rate is variable and is currently 5.24% APR which is equal to the Prime Rate minus a 0.26% margin. The maximum APR is 18.00%. Promotion is up to 90% Loan-to-Value financing and applies to Owner-Occupied primary residences only. The minimum amount of each advance is $300. No refinancing of an existing Arize FCU Home Equity Line of Credit (HELOC) is allowed. The monthly payment may vary based on the loan balance and market conditions. 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, typically from $250 – $500, and additional fees may apply. Arize FCU reserves the right to end this promotional rate at any time. Membership eligibility and savings account with a $5 opening deposit are required. Applications are subject to approval, and certain additional restrictions may apply. For further information regarding this promotion, don’t hesitate to contact the credit union.

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. The foreign transaction fee is 1.00% of each transaction in U.S. dollars. View the full application and solicitation disclosure.