Account Information


YES!  We have no fee checking accounts, no minimum balance, no monthly service charge, and more.  Check out our different Checking Account options below to find what may work best for you.


*Free Checking That Pays Off! Ultra Wireless Charger & Bluetooth® Speaker Gift When You Open A FREE Personal or Business Checking Account! Great for lawn chairgating, tailgating, poolside, staycation, and outdoor activities. Plays up to 20 hours of your favorite music, plus charges your cell phone. $80.00 value!  Ultra Wireless Charger & Bluetooth® Speaker Gift given to you when direct deposit is quickly verified. During opening we will help with all of the arrangements for a seamless direct deposit process. Value of gift is $80.00. Limited time offer. Open by October 17, 2020. Just keep your Arrha Checking Account open for 12 months and sign up for direct deposit of a minimum of$100 each month. Members could pay overdraft service fees if their balances fall below zero. Must open a Membership Savings Account with a minimum of $25.00 to become a member. Business Checking direct deposit is not required.

Checking (Share Draft Accounts)

The Arrha Credit Union offers unmatched convenience and a broad range of advantages when you open a checking account with us:

  • Starter check package is FREE
  • No Monthly Service Charge
  • No Minimum Balance
  • Free ATM access at all Arrha Credit Union, SUM ATMs, and 55,000 AllPoint ATMs
  • 24-Hour Access to Your Account with the Easy Bank (800-264-0600)
  • Bank by Mail
  • Overdraft Protection - from savings or OD protection Loan
  • Easy Check Balancing with our FREE Record Retention System, Easy to Read Laser Statements and Check Imaging System.
  • ATM/Debit Cards are available to qualified members

Interest Checking Account

Put your money to work for you! With an Arrha Interest Checking you'll earn interest while enjoying all the conveniences of a checking account.

  • Dividends paid monthly
  • Low minimum balance of $500 to avoid monthly fee of $5
  • Access to over 55,000 surcharge-free ATMs through Allpoint and SUM
  • Free starter checks
  • Free Online Banking and Mobile Banking
  • Free eStatements

Fresh Start Checking Account

If you've had trouble managing your finances in the past and been reported to Chex Systems, come see us today for a Fresh Start. Our Fresh Start Checking account is designed to help you manage your money responsibly with all the freedom of a regular checking account.

  • No Minimum Balance
  • Low Monthly Fee
  • Access to over 55,000 Surcharge-Free ATMs nationwide with AllPoint
  • Visa Debit Card
  • Starter check package Free
  • Free Home Banking & Bill Pay
  • eStatements
  • Mobile Banking

call us today at 413-732-9812 or email us at for more information.


Review our competitive savings rates


The Arrha Credit Union (Share) Savings account is prerequisite for membership. Once you open a savings account, you become a member-owner of the Credit Union. The minimum balance required to open and maintain this account is only $25.00. Once opened, you can begin to enjoy all of other low cost and affordable financial products and services that Arrha Credit Union has to offer.

Make your hard earned money work for you right away. Open an interest bearing savings account (compounded monthly) and your “nest egg” will grow larger in no time. Plus, you’ll have instant access to your funds through telephone transfers and ATM withdrawals.

Club Account

An Arrha Credit Union Club Account is a great way to save for those unexpected emergencies, vacation getaways, home remodeling projects, or a down payment on a new auto or home by putting money away regularly through automatic payroll deductions and convenient direct deposit.

Share Certificates of Deposit

A Share Certificate earns higher dividends than the Regular Share Account. Certificates are offered for a term of three (3) months to sixty (60) months with a minimum deposit of $1,000.00. Certificates will automatically renew for the same term and at the new rate that is being offered at maturity.

Individual Retirement Accounts

Arrha Credit Union offers Roth and Traditional IRAs, as well as the Coverdell Education Savings Account.

Traditional IRAs are more attractive than ever because expanded income limits mean more people will be able to make tax-deductible contributions. In addition, penalty-free withdrawals are allowed for qualified higher-education expenses and for a first-time home purchase.

Contributions to the Roth IRA or Coverdell ESA aren’t tax-deductible, but the accounts offer the opportunity for tax-free earnings.

Please stop by or call us today for more information on the benefits of a credit union IRA.

Money Market Accounts

Looking to earn more interest than a regular savings account but don't want to lock into a Certificate term? Open a Arrha Credit Union Money Market Account. Our Money Market accounts have interest rate tiers that pay based on the amount in the account. You can also use your Money Market account as overdraft protection for your checking account. Ask us how you can get a free Money Market today.

Arrha Credit Union Account Disclosures and Agreement