Current Rates

Loan Rates

Vehicles - Model Years 2011-2023
Effective Date: 09/30/2022
TermCredit Score 700+Credit Score 670-699Credit Score 640-669Credit Score 610-639Credit Score 580-609Credit Score 579 & under
up to 48 Months
100,000 max miles
5.25% 6.25% 7.25% 11.75% 12.75% 15.25%
49 - 64 Months
75,000 max miles
6.25% 7.25% 8.25% 12.75% 13.75% 16.25%
Loan amount greater than $20,000
65 - 84 Months
45,000 max miles
7.00% 8.00% 9.00% 13.50% 14.50% 17.00%
Percentage added to loan interest rate for excessive mileage
Any 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%

Rates for auto loans can be adjusted for other factors such as loan to value and excessive mileage. All loan rates are subject to approval. A 100-basis point discount on the interest rate if loan pays by payroll deduction or automatic transfer. Rates quoted to not include the discount available.

MariSol does not accept a vehicle with a salvage title for loan collateral. The monthly payment on a loan for $25,000 at 4.00% APR for 64 months is $434.48.

Recreational Vehicles
Effective Date: 09/30/2022
TypeTermCredit Score 700+Credit Score 670-699Credit Score 640-669Credit Score 610-639Credit Score 580-609Credit Score 579 & under
New RV/Motor home
2017 & up
Up to 180 Months 6.00% 7.00% 8.00% 12.50% 13.50% 16.00%
Used RV/Motor home
2012-2016
Up to 180 Months 7.00% 8.00% 9.00% 13.50% 14.50% 17.00%
New Motorcycle
2017 & up
Up to 64 Months 6.00% 7.00% 8.00% 12.50% 13.50% 16.00%
Used Motorcycle
2012-2016
Up to 64 Months 7.00% 8.00% 9.00% 13.50% 14.50% 17.00%
New & Used Boat, ATVs & Ski Jets
2011-2021
Up to 64 Months 6.00% 7.00% 8.00% 12.50% 13.50% 16.00%

Personal Loans
Effective Date: 09/30/2022
TypeTermCredit Score 700+Credit Score 670-699Credit Score 640-669Credit Score 610-639Credit Score 580-609Credit Score 579 & under
Signature - fixed rate and term Up to 72 Months 10.00% 11.00% 12.00% 16.50% 17.50% 18.00%
Energy Efficient Green Sun Loan Up to 72 Months 6.99% 6.99% 6.99% 6.99% 6.99% 6.99%
Quick Loan
$50.00 non-refundable application fee/Non-credit qualification
6 Months 17.00% 17.00% 17.00% 17.00% 17.00% 17.00%
Line of Credit Open 15.00% 15.00% 15.00% 15.00% 15.00% 15.00%
Loans secured by Savings (Shares) Up to 60 Months 4.00% 4.00% 4.00% 4.00% 4.00% 4.00%
Loan secured by Share Certificates (CDs) Term of CD 3% over CD rate 3% over CD rate 3% over CD rate 3% over CD rate 3% over CD rate 3% over CD rate

Micro-Business Loans
Effective Date: 09/30/2022
TypeTermCredit Score 700+Credit Score 670-699Credit Score 640-669Credit Score 610-639Credit Score 580-609Credit Score 579 & under
Secured with collateral, up to $50,000 Up to 84 Months 6.00% 7.00% 8.00% 12.50% 13.50% 16.00%
Signature, fixed rate and term, up to $50,000 Up to 60 Months 8.00% 9.00% 10.00% 14.50% 15.50% 18.00%
Line of Credit, up to $50,000 Open 15.00% 15.00% 15.00% 15.00% 15.00% 15.00%

*Rate is dependent upon credit score and term of loan and mileage. MFCU reserves the right to require a down payment. A 100 basis point discount on the interest rate if a 10% or more down payment on a used or new vehicle. A 50 basis point discount on the interest rate if loan pays by payroll deduction or automatic transfer. No salvage titles. The payment on a $25,000 loan at 64 months at 5.15% APR is $447.56.

Home Equity Lines of Credit
Effective Date: 11/04/2022
Loan Amounts from $15,000 to $200,000
Loan to ValueRateMargin
Under 75% 7.00% 0.00%
76-80% 7.50% 0.50%
81-85% 8.00% 1.00%

MariSol only lends on owner-occupied residential property in the State of Arizona. This is a variable rate loan based on a margin plus an index; the index is the Wall Street Journal Prime Rate. Margin is based on approval and loan to value. The loan rate is adjusted on January 1st of each year. The maximum interest rate is 14.00%, also called the ceiling rate. The minimum interest rate is 4.00%, also called the floor rate. There is no application fee or annual fee. There are no closing costs except for an appraisal fee, which costs range from $300 to $600. The borrower is required to pay for the appraisal fee at the time it is ordered by MariSol FCU. There is a $500.00 prepayment penalty in the first two (2) years of the loan.

This loan is a line of credit. There is a seven (7) year draw period, then an eight (8) year repayment. Payment is based on 1.50% of the balance; for example, a loan with a balance of $50,000 would be a $750.00 monthly payment. Please see the link for a copy of the Home Equity Line of Credit Disclosure for a complete disclosure of terms.

Home Improvement Line of Credit
Effective Date: 11/04/2022
Loan AmountRate up to 90% LTVAPR
up to $50,000 6.250% 6.250%

Loan for Arizona owner occupied homes only. Rate for first or second lien position. This is a fixed rate loan. There are no closing costs, annual fee, or appraisal fee. There is a $500.00 pre-payment fee in the first two years of the loan. This is a line of credit. There is a five (5) year draw period, then a ten (10) year repayment period. Payment is calculated on 1.20% of the balance, for a $50,000 balance, the monthly payment is $600.00. Your application does not constitute a rate lock.


15 Year Fixed Rate Mortgage

CALL 602-252-6831 ASK FOR THE LOAN DEPARTMENT FOR CURRENT RATES. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE, AND ANY MORTGAGE RATE QUOTED IS NOT FIRM UNTIL IT IS LOCKED IN BY THE BORROWER AND THE LENDER IN WRITING.

MARISOL ONLY LENDS ON OWNER-OCCUPIED RESIDENTIAL PROPERTY IN THE STATE OF ARIZONA.

NMLS# 799641

30 Year Fixed - Pay Yourself Mortgage

CALL 602-252-6831 ASK FOR THE LOAN DEPARTMENT FOR CURRENT RATES. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE, AND ANY MORTGAGE RATE QUOTED IS NOT FIRM UNTIL IT IS LOCKED IN BY THE BORROWER AND THE LENDER IN WRITING.

MARISOL ONLY LENDS ON OWNER-OCCUPIED RESIDENTIAL PROPERTY IN THE STATE OF ARIZONA. THERE ARE INCOME GUIDELINES FOR THE PAY YOURSELF MORTGAGE. PLEASE CONTACT THE LENDING DEPARTMENT AT MARISOL FEDERAL CREDIT UNION FOR ALL PRODUCT GUIDELINES.

NMLS# 799641


Savings Rates

Kasasa Cash*
Effective Date: 09/30/2022
TierDividend RateAPY
$0 - $5,000 0.550% 0.550%
$5,001+ 0.050% 0.050%
Qualifications not met 0.030% 0.030%

Qualifications

To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least one $500 direct deposit/payroll deduction
  • Be enrolled in and log into online banking

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning really high dividends and nationwide ATM withdrawal fee refunds the very next month.

View our Truth in Savings Disclosure

Savings Accounts
Effective Date: 09/30/2022
AccountDividend RateAPY
Regular Savings 0.020% 0.020%
Kids Club Account 0.050% 0.050%
Vacation & Christmas Club Accounts 0.050% 0.050%

View our Truth in Savings Disclosure

Money Market Account
Effective Date: 10/01/2022
TierDividend RateAPY
$1,000 - $24,999 0.150% 0.150%
$25,000 - $49,999 0.150% 0.150%
$50,000+ 0.150% 0.150%

View our Truth in Savings Disclosure

Share Certificates
Effective Date: 12/01/2022
TermDividend RateAPY1st Service2nd Service3rd Service
6 Months 0.652% 0.401% 0.700% 0.750% 0.800%
12 Months 1.055% 0.650% 1.100% 1.150% 1.200%
24 Months 1.156% 0.702% 1.200% 1.250% 1.300%
36 Months 1.207% 0.853% 1.250% 1.300% 1.350%
60 Months 1.308% 0.954% 1.350% 1.400% 1.450%

Minimum balance is $500.

* APY = Annual Percentage Rate

There are penalties for early withdrawal from a share certificate. IRA's have an Annual Service Fee of $15.00.

Thank You for being a Member Program - Program Details

Earn an additional .05% on your certificate for each of the following services:

  1. Payroll or Direct deposit
  2. A MFCU Checking Account
  3. A MFCU MasterCard

View our Truth in Savings Disclosure

Individual Retirement Accounts - Savings
Effective Date: 09/30/2022
AmountDividend RateAPY
$5.00 to $9,999 0.25% 0.25%
$10,000 and above 0.25% 0.25%

Individual Retirement Accounts - Share Certificates
Effective Date: 12/01/2022
TermDividend RateAPY1st Service2nd Service3rd Service
6 Months 0.650% 0.652% 0.700% 0.750% 0.800%
12 Months 1.050% 1.055% 1.100% 1.150% 1.200%
24 Months 1.150% 1.156% 1.200% 1.250% 1.300%
36 Months 1.200% 1.207% 1.250% 1.300% 1.350%
60 Months 1.300% 1.308% 1.350% 1.400% 1.450%
12 Month Coverdell IRA 1.250% 1.257% 1.300% 1.350% 1.400%

Minimum balance is $500. Maximum balance for a 12 Month Coverdell IRA is $2,000.

* APY = Annual Percentage Rate

There are penalties for early withdrawal from a share certificate. IRA's have an Annual Service Fee of $15.00.

Thank You for being a Member Program - Program Details

Earn an additional .05% on your certificate for each of the following services:

  1. Payroll or Direct deposit
  2. A MFCU Checking Account
  3. A MFCU MasterCard

View our Truth in Savings Disclosure


APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.

These rates are subject to change without prior notice. Please check this page often for the most current rates.

Note: Dividends are paid from current income and available earnings after required transfer at the end of the dividends period and not guaranteed.

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