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Unlock Lower Payments

Get 1% Off Your Qualified Auto Loan Rate!¹

Refinance your auto loan with Raiz and get 1% off the rate you qualify for. It's that simple. Enjoy a lower rate, easy process, and potential savings every month!

Drive Now, Pay Later!

Enjoy 90 Days of No Payments with Raiz Auto Loans!¹

Whether you're buying new, used, or refinancing we make the process easy and affordable - so you can focus on the journey ahead.

Take advantage of the benefits that come with a Raiz auto loan.

Become a Member

It Takes Just 10 Minutes to Join the Raiz Family.

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Elite Wealth Management for All

Mammoth Rock Capital LLC, the parent company of Mammoth Rock Investments and a wholly owned subsidiary of Raiz Federal Credit Union, is proud to introduce Mammoth Rock Investments. Discover investment opportunities to help you and your family pursue what matters most.

Learn More

Raiz Checking Accounts

Raiz Checking Accounts receive a free Mastercard Debit Card with no activiation fee, so you’ll always have access to your cash. Take your card swipes further with a Spirit Debit Card. Raiz donates $0.05 to local high schools and community organizations for every non-PIN transaction made with a Spirit Debit Card.

High School Spirit Debit Card page

Raiz Checking Account

Minimum balance of $2,500 required for 0.50% Annual Percentage Yield. Share Checking Account dividends are paid monthly. Rates are subject to change by the Board of Directors. Fees may reduce earnings.

Raiz Checking Account ATM

Find a surcharge-free ATM wherever your travels may take you. Access your cash through Allpoint network ATMs conveniently located at major retailers. Find one near you.

Branches & ATMs

Powered By the Spirit of Your Community

We are inspired by the dreamers, visionaries, and trail blazers, of our community. You see brighter horizons and we want to help you get there.

You Dream Big. We Like That.

At Raiz, you’re never alone. We’ll help you make the tough decisions, navigate the hard times, and celebrate both the big and small wins. Let us help you make a plan that works—no matter where you’re starting from or how far you want to go.

Disclosures

Federally Insured by NCUA.

¹ Promotion period: May 1, 2025 – July 31, 2025. Loan approval is subject to creditworthiness. This offer excludes refinancing of existing Raiz loans. Must meet membership eligibility requirements. Promo limited to floor rate of 4.99% Annual Percentage Rate (APR). Interest will continue to accrue during the 90 day no payment period. Member must meet membership eligibility requirements.

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