Rates are effective as of November 20, 2024
Vehicle Loans
| New vehicle loan rates | APR |
|---|---|
| 0 – 60 Months | 5.99% – 18.00% APR* |
| 61 – 72 Months | 6.24% – 18.00% APR* |
| 73 – 84 Months | 6.99% – 18.00% APR* |
* APRs range between 5.99-18.00%. Minimum loan amount is $5,000. Refinancing of existing Arize auto loans ineligible. Vehicle restrictions may apply. Insurance required. Applicants must meet membership eligibility requirements. Applications are subject to approval. Other terms and conditions may apply. Offer subject to change. Equal Opportunity Lender.
| Used vehicle loan rates 2022-2020 | APR |
|---|---|
| 0 – 60 Months | 6.49% – 18.00% APR* |
| 61 – 72 Months | 6.99% – 18.00% APR* |
| 73-84 Months | 7.99% – 18.00% APR* |
| Used vehicle loan rates 2019 or Older | APR |
|---|---|
| 0 – 60 Months | 6.74% – 18.00% APR* |
| 61 – 72 Months | 7.24% – 18.00% APR* |
| Motorcycle loan rates: 2006-current model year | APR |
|---|---|
| 0 – 60 Months | 11.24% – 18.00% APR* |
| 61 – 84 Months (2011 – Current Model Year) | 12.24% – 18.00% APR* |
| Recreational vehicle loan rates | APR |
|---|---|
| 0 – 60 Months | 11.24% – 18.00% APR* |
| 61-84 Months | 12.24% – 18.00% APR* |
| 85-120 months (Recreational vehicles >$25,000) | 12.64% – 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! | Apply Now |
| For Jumbo Rates on home loans over $417,000, call us at (877) 342-5975. |
Prime Home Equity Lines of Credit
| Prime Home Equity Variable Lines of Credit | |
|---|---|
| No term/Revolving | 6.74% APR* for up to 2 years Introductory Rates** are available for a limited time. After the introductory fixed-rate period of two years, the rate is variable and is currently 7.74% 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 6.74% is fixed for the first two years from the time of closing and is valid for new home equity line of credit (HELOC) applications. After the introductory fixed-rate period of two years, the rate is variable and is currently 7.74% 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. A $50,000 Home Equity Line of Credit draw at 7.24% APR for two years would be $44.86 per thousand borrowed. 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 $250 – $500, and additional fees may apply. Arize FCU reserves the right to end this promotional rate at any time. Membership eligibility and a savings account with a $5 opening deposit are required. Applications are subject to approval, and certain additional restrictions may apply. Don’t hesitate to contact the credit union for further information regarding this promotion.
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 | APR |
|---|---|
| 0 – 60 Months | 13.49% – 18.00% APR* |
| Unsecured Lines of Credit | APR |
|---|---|
| All Terms | 13.49% 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
| Term | APR |
|---|---|
| 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 | APR |
|---|---|
| 1 – 84 Months | 7.69% APR* |
| Land Loans | APR |
|---|---|
| 0 – 60 Months | 8.95% APR* |
| 61 – 84 Months | 9.95% APR* |
| Share Secured Loans | APR |
|---|---|
| All Terms | 9.99% APR* |
*APR = Annual Percentage Rate. Loan rates are based on the creditworthiness of applicants and may vary from those shown above.
Mastercard Credit Cards
| APR | |
|---|---|
| Mastercard Credit Card | 12.99% – 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.