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	3.25%	3.30%	$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
Business Savings	0.10%	0.10%	$5.00	Monthly
Holiday Club	0.20%	0.20%	$5.00	Monthly
Club	0.10%	0.10%	$5.00	Monthly
Health Savings Account (HSA)	0.10%	0.10%	$1.00 – $1,999	Monthly
Health Savings Account (HSA)	0.20%	0.20%	$2,000+	Monthly
Member Ownership Share	—	—	$1.00 minimum	—

11 rates · APY

High Yield Savings

Dividend rate 3.25%. Min to earn $5.00. Compounded Monthly.

3.30%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

Business Savings

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

0.10%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

Health Savings Account (HSA)

Dividend rate 0.10%. Min to earn $1.00 – $1,999. Compounded Monthly.

0.10%APY

Health Savings Account (HSA)

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

0.20%APY

Member Ownership Share

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

—APY

Terms & Conditions

*APY = Annual Percentage Yield effective November 2, 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	2.96%	3.00%	$500	Monthly
5 Month	2.96%	3.00%	$500	Monthly
6 Month	3.69%	3.75%	$500	Monthly
7 Month	1.98%	2.00%	$500	Monthly
9 Month	4.41%	4.50%	$500	Monthly
10 Month	3.78%	3.85%	$500	Monthly
10 Month No Penalty	3.59%	3.65%	$500	Monthly
11 Month	1.98%	2.00%	$500	Monthly
1 Year	4.65%	4.75%	$500	Monthly
14 Month	2.96%	3.00%	$500	Monthly
15 Month	2.96%	3.00%	$500	Monthly
17 Month	4.17%	4.25%	$500	Monthly
17 Month No Penalty	2.96%	3.00%	$500	Monthly
18 Month	4.94%	5.05%	$500	Monthly
20 Month	1.98%	2.00%	$500	Monthly
2 Year	4.41%	4.50%	$500	Monthly
3 Year	4.65%	4.75%	$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 2.96%. Min to earn $500. Compounded Monthly.

3.00%APY

5 Month

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

3.00%APY

6 Month

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

3.75%APY

7 Month

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

2.00%APY

9 Month

Dividend rate 4.41%. Min to earn $500. Compounded Monthly.

4.50%APY

10 Month

Dividend rate 3.78%. Min to earn $500. Compounded Monthly.

3.85%APY

10 Month No Penalty

Dividend rate 3.59%. Min to earn $500. Compounded Monthly.

3.65%APY

11 Month

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

2.00%APY

1 Year

Dividend rate 4.65%. Min to earn $500. Compounded Monthly.

4.75%APY

14 Month

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

3.00%APY

15 Month

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

3.00%APY

17 Month

Dividend rate 4.17%. Min to earn $500. Compounded Monthly.

4.25%APY

17 Month No Penalty

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

3.00%APY

18 Month

Dividend rate 4.94%. Min to earn $500. Compounded Monthly.

5.05%APY

20 Month

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

2.00%APY

2 Year

Dividend rate 4.41%. Min to earn $500. Compounded Monthly.

4.50%APY

3 Year

Dividend rate 4.65%. Min to earn $500. Compounded Monthly.

4.75%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 November 6, 2026. Rates are subject to change. Accounts include Traditional IRAs, Roth IRAs, and Coverdell Education Savings Accounts. 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
Money Market	0.10%	0.10%	$5.00 – $2,499	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	0.95%	0.95%	$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%	$5.00 – $9,999	Monthly
Business Money Market	0.50%	0.50%	$10,000 – $24,999	Monthly
Business Money Market	1.14%	1.15%	$25,000 – $99,999	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
IRA Money Market	0.10%	0.10%	$5.00 – $2,499	Monthly
IRA Money Market	0.25%	0.25%	$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

19 rates · APY

Money Market

Dividend rate 0.10%. Min to earn $5.00 – $2,499. 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 0.95%. Min to earn $25,000 – $49,999. Compounded Monthly.

0.95%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 $5.00 – $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 – $99,999. 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

IRA Money Market

Dividend rate 0.10%. Min to earn $5.00 – $2,499. Compounded Monthly.

0.10%APY

IRA Money Market

Dividend rate 0.25%. Min to earn $2,500 – $9,999. Compounded Monthly.

0.25%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

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 – $1,499	Monthly
Premium Checking	0.20%	0.20%	$1,500 and higher	Monthly
Direct Checking	0.10%	0.10%	$5.00 and higher	Monthly
50 Plus	0.10%	0.10%	$5.00 and higher	Monthly
IOLTA Checking Account	2.20%	2.22%	$0.00 and higher	Monthly
Business Plus Checking	0.20%	0.20%	$5.00 and higher	Monthly

6 rates · APY

Premium Checking

Dividend rate 0.10%. Min to earn $5.00 – $1,499. Compounded Monthly.

0.10%APY

Premium Checking

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

0.20%APY

Direct Checking

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

IOLTA Checking Account

Dividend rate 2.20%. Min to earn $0.00 and higher. Compounded Monthly.

2.22%APY

Business Plus Checking

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

0.20%APY

Terms & Conditions

*APY = Annual Percentage Yield effective November 2, 2026. Rates are subject to change. Minimum opening deposits vary by account. Refer to the applicable account disclosure. 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 ¹˒⁴	7.250%	7.303%	360	$6.82
30 Year Fixed – Conforming ¹	7.125%	7.177%	360	$6.74
20 Year Fixed – Conforming ¹	7.000%	7.066%	240	$7.75
15 Year Fixed – Conforming ¹	6.875%	6.954%	180	$8.92
10 Year Fixed – Conforming ¹	6.750%	6.862%	120	$11.48
30 Year Fixed Rate – Jumbo ²	7.000%	7.050%	360	$6.65
20 Year Fixed Rate – Jumbo ²	6.875%	6.939%	240	$7.68
15 Year Fixed Rate – Jumbo ²	6.750%	6.829%	180	$8.85
10 Year Fixed Rate – Jumbo ²	6.625%	6.735%	120	$11.42

Terms & Conditions

*APR = Annual Percentage Rate. Rates are effective November 6, 2026. All rates are subject to change without notice. Subject to credit approval. Payment amounts shown do not include taxes and insurance. Your payments may be greater.

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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	6.000%	6.625%	6.422%	360	$6.00
5/6 ARM – Jumbo	$832,751 – $2,000,000	6.125%	6.625%	6.472%	360	$6.08
7/6 ARM – Conforming	Up to $832,750	6.250%	6.625%	6.477%	360	$6.16
7/6 ARM – Jumbo	$832,751 – $2,000,000	6.250%	6.625%	6.477%	360	$6.16
10/6 ARM – Conforming	Up to $832,750	6.875%	6.625%	6.842%	360	$6.57
10/6 ARM – Jumbo	$832,751 – $2,000,000	6.875%	6.625%	6.842%	360	$6.57

Terms & Conditions

*APR = Annual Percentage Rate effective November 6, 2026, is based on a primary residence property. Investment properties will have a 0.500% add to current rates. Payment amounts on the above products do not include taxes and insurance. Your payments may be greater. The adjustable rate programs are based on a 30 year term. The rate may increase after the initial period. High Balance County loan limits may be restricted.
Adjustable Rate Mortgage Rates are based on a one-unit, primary residence, purchase or rate and term with a loan amount of $820,000 for Conforming or a loan amount of $832,751 for Jumbo, a loan to value of 80% or less and FICO Score 780 or greater for a 60 day rate lock period. Rates may vary based on other scenarios. All rates subject to change without notice. Subject to credit approval.

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Home Equity Loans — 1st Liens (80% Combined Loan to Value)

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

Home Equity Loans — 2nd Liens (80% Combined Loan to Value)

Term	Rate	APR*	# of Monthly Payments	Estimated Payment per $1,000 borrowed
60 Months	6.750%	6.750%	60	$19.68
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

Terms & Conditions

All rates are subject to change without notice. Membership eligibility applies. Payments do not include taxes and insurance. Your payment may be greater. Subject to Arise Financial underwriting standards. Minimum loan amount is $25,000. Maximum loan amounts are as follows: $500,000 for a 1 unit primary residence with a maximum Combined Loan to Value (CLTV) of 80%; $250,000 for a 2 unit primary residence with a CLTV of 80%; $250,000 for a 3-4 unit primary residence with a maximum CLTV of 75%; $250,000 for a 1 unit second home with a maximum CLTV of 80%. Property insurance is required and Flood Insurance may be required. Additional fees in the amount of $355 will be required if the property is held in a trust. Properties for sale or intended to be sold within the next 6 months are not allowed. Call us for current rate and terms.
Arise Federal Credit Union does business as Arise Financial.

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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

*APR = Annual Percentage Rate effective November 2, 2026.
All rates are subject to change without notice. Membership eligibility applies. Subject to Arise Financial underwriting approval standards. Minimum loan amount is $25,000. A $50 annual fee will be charged during the draw period. Property insurance is required and Flood Insurance may be required. Call us for current rate and terms.
APRs for HELOCs are variable and are subject to change monthly based on the Wall Street Journal Prime Rate, which is currently 7.000%. The maximum rate is 18.00% APR, the minimum or “Floor” rate is 3.000%. The term is based on a 10 year draw period and a 20 year repayment period.
Arise Federal Credit Union does business as Arise Financial.

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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
2023–2027 (New & Used)	5.79%	$23.39	5.79%	$19.24	5.89%	$16.52
2021–2022 (Used)	5.79%	$23.39	5.79%	$19.24	5.89%	$16.52
2019–2020	5.84%	$23.41	5.84%	$19.26	n/a	n/a
2017–2018	6.04%	$23.50	6.04%	$19.35	n/a	n/a
2015–2016	6.64%	$23.78	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 November 2, 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 members 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
Arise Classic Credit Card	13.90% (max APR 18.00%)	$300 – $10000
Arise Platinum Credit Card	9.90% (max APR 18.00%)	$7500 – $10000

Terms & Conditions

¹ APR = Annual Percentage Rate shown represents the lowest rate currently available as of November 2, 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
Overdraft Line of Credit (Revolving)	10.90%	Open-end	Min $500 / Max $10,000 · daily periodic rate 0.0299%	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 November 2, 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
Share Secured Loans – Regular Share (Payments)	Share dividend rate + 3.00 percentage points	Up to 60 months	Varies based on share balance
Share Secured Loans – Certificates (Payments)	Certificate dividend rate + 3.00 percentage points	Aligns with certificate maturity, up to 60 months	Varies based on share balance
Share Secured Loans – Regular Share (Single Payment)	Share dividend rate + 3.00 percentage points	Up to 60 months	Varies based on share balance
Share Secured Loans – Certificates (Single Payment)	Certificate dividend rate + 3.00 percentage points	Aligns with certificate maturity	Varies based on share balance

Terms & Conditions

*APR = Annual Percentage Rate. Effective November 2, 2026. The APR for Share Secured Loans is the dividend rate on the share account or certificate securing the loan plus 3.00 percentage points. For example, a share dividend rate of 0.10% results in a loan APR of 3.10%. Loan amounts vary based on the share balance. Certificate-secured loan terms align with certificate maturity; loans with scheduled payments have a maximum term of 60 months.

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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?

Rate-lock options depend on the product. Contact our team about mortgage rate locks, including the initial rate on an adjustable-rate mortgage. Certificate rates are established when the account is opened. Variable rates may change according to the account or loan terms.

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% Combined Loan to Value)

Home Equity Loans — 2nd Liens (80% Combined Loan to Value)

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?

Your rates questions, answered

We're here for you.

You’re leaving Arise Financial

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% Combined Loan to Value)

Home Equity Loans — 2nd Liens (80% Combined Loan to Value)

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

Share Secured Loans

Looking for something else?

Your rates questions, answered

We're here for you.

Everything you earn. Everything you owe.
Clearly.