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.


While supplies last. Just keep your Arrha Checking Account open for 12 months and sign up for direct deposit of a minimum of $100 each month. FREE Garden Bed (without plants) will be given to you when direct deposit is verified. During opening, we will help you make all of the arrangements for a seamless direct deposit process. Value of gift $70.00. Limited time offer. 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 does not require direct deposit.

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 and SUM 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 thousands of surcharge-free ATMs through SUM
  • Free starter checks
  • Free Online Banking and Mobile Banking
  • Free eStatements

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