All Rates | Arise Financial

Savings rates.

Your savings shouldn't sit still. Whether you're building an emergency fund, setting something aside for the long term, or maximizing your return with a certificate, we've got a rate that fits where you are right now.

Savings Accounts

Product	Dividend Rate	APY*	Minimum to Earn APY	Compounding
High Yield Savings	3.05%	3.10%	$5.00	Monthly
Advantage Savings	0.10%	0.10%	$5.00 – $999	Monthly
Advantage Savings	0.15%	0.15%	$1,000 – $9,999	Monthly
Advantage Savings	0.20%	0.20%	$10,000 – $24,999	Monthly
Advantage Savings	0.25%	0.25%	$25,000 and higher	Monthly
Holiday Club	0.20%	0.20%	$5.00	Monthly
Club	0.10%	0.10%	$5.00	Monthly
Member Ownership Share	—	—	$1.00 minimum	—
Health Savings Account (HSA)	0.10%	0.10%	$0.00 – $1,999	Monthly

9 rates · APY

High Yield Savings

Dividend rate 3.05%. Min to earn $5.00. Compounded Monthly.

3.10%APY

Advantage Savings

Dividend rate 0.10%. Min to earn $5.00 – $999. Compounded Monthly.

0.10%APY

Advantage Savings

Dividend rate 0.15%. Min to earn $1,000 – $9,999. Compounded Monthly.

0.15%APY

Advantage Savings

Dividend rate 0.20%. Min to earn $10,000 – $24,999. Compounded Monthly.

0.20%APY

Advantage Savings

Dividend rate 0.25%. Min to earn $25,000 and higher. Compounded Monthly.

0.25%APY

Holiday Club

Dividend rate 0.20%. Min to earn $5.00. Compounded Monthly.

0.20%APY

Club

Dividend rate 0.10%. Min to earn $5.00. Compounded Monthly.

0.10%APY

Member Ownership Share

Dividend rate —. Min to earn $1.00 minimum. Compounded —.

—APY

Health Savings Account (HSA)

Dividend rate 0.10%. Min to earn $0.00 – $1,999. Compounded Monthly.

0.10%APY

Terms & Conditions

*APY = Annual Percentage Yield effective May 1, 2026. Rates are subject to change. Fees could reduce earnings. Refer to our Membership Agreement and Disclosures, and the Truth-in-Savings disclosure for complete terms and conditions.

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Share Certificates and IRA Share Certificates

Term	Dividend Rate	APY*	Minimum to Earn APY	Compounding
91 Day	1.00%	1.00%	$500	Monthly
5 Month	1.98%	2.00%	$500	Monthly
6 Month	3.74%	3.80%	$500	Monthly
7 Month	1.98%	2.00%	$500	Monthly
9 Month	1.98%	2.00%	$500	Monthly
10 Month	3.69%	3.75%	$500	Monthly
10 Month No Penalty	3.50%	3.55%	$500	Monthly
11 Month	2.47%	2.50%	$500	Monthly
1 Year	2.96%	3.00%	$500	Monthly
14 Month	1.98%	2.00%	$500	Monthly
15 Month	1.98%	2.00%	$500	Monthly
17 Month	2.96%	3.00%	$500	Monthly
17 Month No Penalty	2.72%	2.75%	$500	Monthly
18 Month	1.98%	2.00%	$500	Monthly
20 Month	1.98%	2.00%	$500	Monthly
2 Year	2.96%	3.00%	$500	Monthly
3 Year	2.96%	3.00%	$500	Monthly
4 Year	2.96%	3.00%	$500	Monthly
5 Year	2.96%	3.00%	$500	Monthly

19 rates · APY

91 Day

Dividend rate 1.00%. Min to earn $500. Compounded Monthly.

1.00%APY

5 Month

Dividend rate 1.98%. Min to earn $500. Compounded Monthly.

2.00%APY

6 Month

Dividend rate 3.74%. Min to earn $500. Compounded Monthly.

3.80%APY

7 Month

Dividend rate 1.98%. Min to earn $500. Compounded Monthly.

2.00%APY

9 Month

Dividend rate 1.98%. Min to earn $500. Compounded Monthly.

2.00%APY

10 Month

Dividend rate 3.69%. Min to earn $500. Compounded Monthly.

3.75%APY

10 Month No Penalty

Dividend rate 3.50%. Min to earn $500. Compounded Monthly.

3.55%APY

11 Month

Dividend rate 2.47%. Min to earn $500. Compounded Monthly.

2.50%APY

1 Year

Dividend rate 2.96%. Min to earn $500. Compounded Monthly.

3.00%APY

14 Month

Dividend rate 1.98%. Min to earn $500. Compounded Monthly.

2.00%APY

15 Month

Dividend rate 1.98%. Min to earn $500. Compounded Monthly.

2.00%APY

17 Month

Dividend rate 2.96%. Min to earn $500. Compounded Monthly.

3.00%APY

17 Month No Penalty

Dividend rate 2.72%. Min to earn $500. Compounded Monthly.

2.75%APY

18 Month

Dividend rate 1.98%. Min to earn $500. Compounded Monthly.

2.00%APY

20 Month

Dividend rate 1.98%. Min to earn $500. Compounded Monthly.

2.00%APY

2 Year

Dividend rate 2.96%. Min to earn $500. Compounded Monthly.

3.00%APY

3 Year

Dividend rate 2.96%. Min to earn $500. Compounded Monthly.

3.00%APY

4 Year

Dividend rate 2.96%. Min to earn $500. Compounded Monthly.

3.00%APY

5 Year

Dividend rate 2.96%. Min to earn $500. Compounded Monthly.

3.00%APY

Terms & Conditions

*APY = Annual Percentage Yield effective May 1, 2026. Rates are subject to change. RAs include Traditional, Roth, or ESA Coverdell IRA contributions. Additional tax and IRS penalties may apply for early withdrawals made prior to age 59½. Dividend penalties may apply for early withdrawals. Personal accounts only. Minimum deposit is $500. Fees could reduce earnings. Refer to our Membership Agreement and Disclosures, and the Truth-in-Savings disclosure for complete terms and conditions.

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Money Market Accounts

Product	Dividend Rate	APY*	Minimum to Earn APY	Compounding
IRA Money Market	0.10%	0.10%	$5.00 – $999	Monthly
IRA Money Market	0.50%	0.50%	$2,500 – $9,999	Monthly
IRA Money Market	0.50%	0.50%	$10,000 – $24,999	Monthly
IRA Money Market	0.85%	0.85%	$25,000 – $49,999	Monthly
IRA Money Market	1.34%	1.35%	$50,000 – $74,999	Monthly
IRA Money Market	1.93%	1.95%	$75,000 – $249,999	Monthly
IRA Money Market	2.52%	2.55%	$250,000 and higher	Monthly
Money Market	0.10%	0.10%	$5.00 – $2,999	Monthly
Money Market	0.50%	0.50%	$2,500 – $9,999	Monthly
Money Market	0.50%	0.50%	$10,000 – $24,999	Monthly
Money Market	1.17%	1.18%	$25,000 – $49,999	Monthly
Money Market	2.18%	2.20%	$50,000 – $74,999	Monthly
Money Market	3.05%	3.10%	$75,000 – $249,999	Monthly
Money Market	3.49%	3.55%	$250,000 and higher	Monthly
Business Money Market	0.50%	0.50%	$1,000 – $9,999	Monthly
Business Money Market	0.50%	0.50%	$10,000 – $24,999	Monthly
Business Money Market	1.14%	1.15%	$25,000 – $49,999	Monthly
Business Money Market	2.52%	2.55%	$100,000 – $249,999	Monthly
Business Money Market	2.71%	2.75%	$250,000 and higher	Monthly

19 rates · APY

IRA Money Market

Dividend rate 0.10%. Min to earn $5.00 – $999. Compounded Monthly.

0.10%APY

IRA Money Market

Dividend rate 0.50%. Min to earn $2,500 – $9,999. Compounded Monthly.

0.50%APY

IRA Money Market

Dividend rate 0.50%. Min to earn $10,000 – $24,999. Compounded Monthly.

0.50%APY

IRA Money Market

Dividend rate 0.85%. Min to earn $25,000 – $49,999. Compounded Monthly.

0.85%APY

IRA Money Market

Dividend rate 1.34%. Min to earn $50,000 – $74,999. Compounded Monthly.

1.35%APY

IRA Money Market

Dividend rate 1.93%. Min to earn $75,000 – $249,999. Compounded Monthly.

1.95%APY

IRA Money Market

Dividend rate 2.52%. Min to earn $250,000 and higher. Compounded Monthly.

2.55%APY

Money Market

Dividend rate 0.10%. Min to earn $5.00 – $2,999. Compounded Monthly.

0.10%APY

Money Market

Dividend rate 0.50%. Min to earn $2,500 – $9,999. Compounded Monthly.

0.50%APY

Money Market

Dividend rate 0.50%. Min to earn $10,000 – $24,999. Compounded Monthly.

0.50%APY

Money Market

Dividend rate 1.17%. Min to earn $25,000 – $49,999. Compounded Monthly.

1.18%APY

Money Market

Dividend rate 2.18%. Min to earn $50,000 – $74,999. Compounded Monthly.

2.20%APY

Money Market

Dividend rate 3.05%. Min to earn $75,000 – $249,999. Compounded Monthly.

3.10%APY

Money Market

Dividend rate 3.49%. Min to earn $250,000 and higher. Compounded Monthly.

3.55%APY

Business Money Market

Dividend rate 0.50%. Min to earn $1,000 – $9,999. Compounded Monthly.

0.50%APY

Business Money Market

Dividend rate 0.50%. Min to earn $10,000 – $24,999. Compounded Monthly.

0.50%APY

Business Money Market

Dividend rate 1.14%. Min to earn $25,000 – $49,999. Compounded Monthly.

1.15%APY

Business Money Market

Dividend rate 2.52%. Min to earn $100,000 – $249,999. Compounded Monthly.

2.55%APY

Business Money Market

Dividend rate 2.71%. Min to earn $250,000 and higher. Compounded Monthly.

2.75%APY

Terms & Conditions

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Checking rates

Most checking accounts just hold your money. Our Spending and Checking Accounts earn on it. Here's a straight look at our current checking rates, so you know exactly what your balance is doing every month.

Checking Accounts

Product	Dividend Rate	APY*	Minimum to Earn APY	Compounding
Premium Checking	0.10%	0.10%	$5.00 – $999	Monthly
Premium Checking	0.20%	0.20%	$1,500 and higher	Monthly
Direct Access	0.10%	0.10%	$5.00 and higher	Monthly
50 Plus	0.10%	0.10%	$5.00 and higher	Monthly
Business Checking	0.20%	0.20%	$5.00 and higher	Monthly
IOLTA Checking Account	2.81%	2.85%	$0.00 and higher	Monthly
Health Savings Account (HSA)	0.10%	0.10%	$0.00 – $1,999	Monthly
Business Plus Checking	0.20%	0.20%	$2,000 and higher	Monthly

8 rates · APY

Premium Checking

Dividend rate 0.10%. Min to earn $5.00 – $999. Compounded Monthly.

0.10%APY

Premium Checking

Dividend rate 0.20%. Min to earn $1,500 and higher. Compounded Monthly.

0.20%APY

Direct Access

Dividend rate 0.10%. Min to earn $5.00 and higher. Compounded Monthly.

0.10%APY

50 Plus

Dividend rate 0.10%. Min to earn $5.00 and higher. Compounded Monthly.

0.10%APY

Business Checking

Dividend rate 0.20%. Min to earn $5.00 and higher. Compounded Monthly.

0.20%APY

IOLTA Checking Account

Dividend rate 2.81%. Min to earn $0.00 and higher. Compounded Monthly.

2.85%APY

Health Savings Account (HSA)

Dividend rate 0.10%. Min to earn $0.00 – $1,999. Compounded Monthly.

0.10%APY

Business Plus Checking

Dividend rate 0.20%. Min to earn $2,000 and higher. Compounded Monthly.

0.20%APY

Terms & Conditions

*APY = Annual Percentage Yield effective May 1, 2026. Rates are subject to change. Minimum opening deposit of $1. This is a variable rate tiered account; rates may change after the account is opened. Fees could reduce earnings. Refer to our Membership Agreement and Disclosures, and the Truth-in-Savings disclosure for complete terms and conditions.

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Home loan & HELOC rates

Buying, borrowing against, or tapping into your home's equity — whatever you're working toward, you'll find current rates here alongside people who can walk you through every option.

Fixed Rate Mortgage Loans

Product	Rate with 20% down	APR**	# of Monthly Payments	Monthly Payment per $1,000 borrowed
30 Year Fixed – Conforming MoveUp Home Loan	6.250%	6.295%	360	$6.16
30 Year Fixed – Conforming	6.125%	6.169%	360	$6.08
20 Year Fixed – Conforming	6.125%	6.184%	240	$7.24
15 Year Fixed – Conforming	5.875%	5.946%	180	$8.37
10 Year Fixed – Conforming	5.750%	5.850%	120	$10.98
30 Year Fixed – Jumbo	6.125%	6.169%	360	$6.08
20 Year Fixed – Jumbo	6.125%	6.184%	240	$7.24
15 Year Fixed – Jumbo	5.875%	5.946%	180	$8.37
10 Year Fixed – Jumbo	5.750%	5.850%	120	$10.98

Terms & Conditions

**APR = Annual Percentage Rate effective April 29, 2026, based on a primary residence property. All rates subject to change without notice. Subject to credit approval. Payment amounts do not include taxes and insurance. Your payments may be greater. Investment properties will have a 0.500% add to current rates. Conforming fixed rates are based on a loan amount of $820,000, 1-unit primary residence, with a loan to value of 80% or less for a 60-day rate lock period. Jumbo fixed rates are based on a loan amount of $832,751 for 1-unit primary residence, with a loan to value of 80% or less for a 60-day rate lock period. Rates may vary based on other scenarios.

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Adjustable Rate Mortgage Loans (ARMs)

Product	Description	Initial Interest Rate	Fully Indexed Rate	APR**	Term	Monthly Payment per $1,000 borrowed
5/6 ARM – Conforming	Up to $832,750	5.375%	6.375%	6.027%	360	$5.60
5/6 ARM – Jumbo	$832,751 – $2,000,000	5.375%	6.375%	6.027%	360	$5.60
7/6 ARM – Conforming	Up to $832,750	5.625%	6.375%	6.036%	360	$5.76
7/6 ARM – Jumbo	$832,751 – $2,000,000	5.500%	6.375%	5.973%	360	$5.68
10/6 ARM – Conforming	Up to $832,750	6.250%	6.375%	6.338%	360	$6.16
10/6 ARM – Jumbo	$832,751 – $2,000,000	6.250%	6.375%	6.338%	360	$6.16

Terms & Conditions

**APR = Annual Percentage Rate effective April 29, 2026. All rates subject to change without notice. Subject to credit approval. Adjustable rate programs may increase after the initial period. The fully indexed rate equals a margin plus the index. All programs are based on a 30-year term. Conforming ARM rates are based on a loan amount of $820,000; Jumbo ARM rates based on $832,751. Loan to value of 80% or less for a 60-day rate lock period.

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Home Equity Loans — 1st Liens (80% CLTV)

Term	Rate	APR**	# of Monthly Payments	Estimated Payment per $1,000 borrowed
60 Months	6.375%	6.375%	60	$19.51
120 Months	6.625%	6.625%	120	$11.42
180 Months	6.875%	6.875%	180	$8.92
240 Months	7.125%	7.125%	240	$7.83
360 Months	7.375%	7.375%	360	$6.91

Terms & Conditions

All rates subject to change without notice. Membership eligibility applies. Payments do not include taxes and insurance. Minimum loan amount is $25,000. Property insurance and flood insurance may be required. Additional fees of $355 apply if the property is held in a trust. Properties for sale or intended to be sold within 6 months are not allowed. Call us for current rate and terms.

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Home Equity Loans — 2nd Liens (80% CLTV)

Term	Rate	APR**	# of Monthly Payments	Estimated Payment per $1,000 borrowed
60 Months	6.750%	6.750%	60	$19.51
120 Months	7.000%	7.000%	120	$11.61
180 Months	7.250%	7.250%	180	$9.13
240 Months	7.500%	7.500%	240	$8.06
360 Months	7.750%	7.750%	360	$7.16

Home Equity Line of Credit (HELOC)

HELOC Program	Term	Current Rate	APR**	Floor Rate
Home Equity Line of Credit	30 Years	Prime minus 0.500%	Prime minus 0.500%	3.000%

Terms & Conditions

All rates subject to change without notice. Membership eligibility applies. Minimum loan amount is $25,000. APR for HELOCs is variable and subject to change monthly based on the Wall Street Journal Prime Rate (currently 6.750%). A $50 annual fee applies during the draw period. Third party fees vary between $475.03 – $952.06.

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Auto loan rates

Whether you're buying new, going pre-owned, or refinancing a loan that's costing you too much, we make it straightforward. Check today's rates and see what fits your budget and your timeline.

Auto Loans

Vehicle Year	48-Month APR** as low as	Est. Payment per $1,000	60-Month APR** as low as	Est. Payment per $1,000	72-Month APR** as low as	Est. Payment per $1,000
2023–2026 (New & Used)	5.39%	$23.21	5.39%	$19.05	5.79%	$19.24
2021–2022 (Used)	5.39%	$23.21	5.39%	$19.05	5.79%	$19.24
2019–2020	5.54%	$23.27	5.54%	$19.12	n/a	n/a
2017–2018	5.64%	$23.32	5.64%	$19.17	n/a	n/a
2015–2016	6.44%	$23.69	n/a	n/a	n/a	n/a
Motorcycle – New	8.50%	$24.65	8.50%	$20.52	n/a	n/a
Motorcycle – Used	9.50%	$25.12	9.50%	$21.00	n/a	n/a

Terms & Conditions

**APR = Annual Percentage Rate shown represents the lowest rate currently available as of January 1, 2026. Rates are subject to change. Rates shown represent lowest rates currently available and are for qualified applicants based on approved credit. More rates are available based on credit history. To refinance an existing auto loan, the same rates and vehicle year tiers apply. Talk to one of our team to find out how much you could save.

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Credit card rates

A credit card should simplify your life, not complicate it. Here's a straight look at our current card rates so you know exactly what costs are involved before you swipe.

Credit Cards

Product	APR**	Credit Limit
Classic Visa	13.90% (max APR 18.00%)	$300 – $10,000
Platinum Visa	9.90% (max APR 18.00%)	$7,500 – $10,000

Terms & Conditions

**APR = Annual Percentage Rate shown represents the lowest rate currently available as of January 1, 2026 and is subject to change.

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Personal loan rates

Life doesn't always wait for the right moment. Whether you're covering an unexpected expense, consolidating debt, or giving yourself a little breathing room, here's exactly what our rates look like right now.

Personal Loans and Lines of Credit

Product	APR**	Term	Loan Amount	Est. Payment per $1,000
Personal Loan	10.00%	Up to 48 mos.	Min $500 / Max $10,000	$25.36
Personal Loan	11.00%	49–60 mos.	Min $5,000 / Max $10,000	$21.74
Personal Loan	12.00%	61–84 mos.	Min $5,000 / Max $10,000	$17.65
Personal Line of Credit (Revolving)	10.90%	Open-end	Min $500 / Max $10,000 · daily rate 0.029863	Varies
Home Improvement Loan (UCC filing fee $92.00)	10.90%	Up to 60 mos.	Min $2,500 / Max $10,000	$21.69
Recreational Vehicles	10.90%	Up to 60 mos.	80% of purchase price (new) / 70% of median value (used) · Min $2,500 / Max $20,000	$21.69

Terms & Conditions

**APR = Annual Percentage Rate shown represents the lowest rate currently available as of January 1, 2026 and is subject to change. Personal loan rate shown represents lowest rate currently available and is for qualified applicants based on approved credit. More rates are available based on credit history. This sample payment is based on the maximum term available.

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Share Secured Loans

Product	APR**	Term	Loan Amount
Secured Share Loan – Regular Share (Payments)	+3.00%	Up to 60 mos.	95% of book balance / $1,000 min
Secured Share Loan – Certificates (Payments)	+3.00%	12 mos.	95% of book balance / $1,000 min
Secured Share Loan – Regular Share (Single Payment)	+3.00%	Up to 60 mos.	95% of book balance / $1,000 min
Secured Share Loan – Certificates (Single Payment)	+3.00%	Up to 60 mos.	95% of book balance / $1,000 min

Terms & Conditions

For a loan secured by a regular share account earning 0.10% APY, the APR would be 3.10%. For a Single Payment Secured loan, the representative APR equals the Regular Share or Certificate current APY + 3.00%.

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How often do your rates change?

Our rates are reviewed regularly and reflect current market conditions. The figures on this page are updated as changes are made, so what you see is what's current.

Are these rates available to everyone?

Most of our rates are available to all Arise members. Some products, like high-yield savings or share certificates, may have specific balance or eligibility requirements. We'll always be upfront about those.

What's the difference between APR and APY?

APR (Annual Percentage Rate) is what you pay to borrow. APY (Annual Percentage Yield) is what you earn on savings, accounting for how often interest compounds. We use both on this page each in the right context.

Do I need to be a member to access these rates?

You need to be a member to open an account, but you don't need to be one to browse our rates. Take your time. When you're ready, we'll make joining easy.

Can I lock in a rate today?

For fixed-rate products like share certificates and fixed mortgages, yes. For variable-rate products, like our HELOC or adjustable rate mortgages, the rate you see reflects today's figure. Talk to one of our team if you want to understand what locks in and what doesn't.

What if I have a question about a rate not listed here?

Reach out. We're real people, and we're happy to walk through anything that isn't clear.

Everything you earn. Everything you owe. Clearly.

Savings rates.

Savings Accounts

Share Certificates and IRA Share Certificates

Money Market Accounts

Checking rates

Checking Accounts

Home loan & HELOC rates

Fixed Rate Mortgage Loans

Adjustable Rate Mortgage Loans (ARMs)

Home Equity Loans — 1st Liens (80% CLTV)

Home Equity Loans — 2nd Liens (80% CLTV)

Home Equity Line of Credit (HELOC)

Auto loan rates

Auto Loans

Credit card rates

Credit Cards

Personal loan rates

Personal Loans and Lines of Credit

Looking for something else?

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