Ariza Credit Union review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ariza Credit Union fits Grenadian citizens and CARICOM nationals who want savings, a debit card and borrowing handled by the same institution. The easy-access account pays 3.5% with a monthly fee of XCD 0, and members can take personal, credit line and car loans of up to XCD 25,000.
Key facts
Loans
Savings
Mortgages
Facts checked September 26, 2026, 9 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- The Ariza Advantage account carries a monthly fee of XCD 0 and runs on a no-monthly-fee model.
- A headline rate of 3.5% sits above the 2.75% median in the same category.
- Savings, a debit card on the visa network and loans from a direct lender sit under the same membership.
- House lending covers purchase and remortgage of a property with a fixed period running to 30.
Cons
- The savings rate is variable, so the 3.5% headline can move rather than staying fixed.
- Eligibility limits membership to Grenadian citizens and CARICOM nationals by birth, marriage, naturalisation or descent.
- Support runs on phone, email and help centre only, with no live chat for quick questions.
Who it suits
- Grenadian citizens and CARICOM nationals who want an account, a card and loans from one provider.
- Members saving steadily in an easy access account who are happy to open it at a branch.
- People who want local borrowing, such as personal, credit line and car loans, from an institution they can visit in person.
Who should look elsewhere
- Plazo ES, if you would rather hold a virtual card than a debit card drawn on savings.
- Skrill, if a prepaid card you load before spending suits you better than a deposit account.
- AccessMore, if a prepaid account fits your spending better than a debit card with a savings balance.
Rates and card terms
The Ariza Advantage account pays 3.5% on a variable rate, which means the headline figure can move rather than staying fixed for a term. Borrowing through Flexi Credit is priced at 12% with a term of 36. For readers weighing cost, the savings rate is the number to watch and the loan rate decides the price of credit.
How Ariza Credit Union compares
9.7 vs 9.4
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9.7 vs 8.5
9.7 vs 8.8Skrill runs a prepaid card, which suits people who load money before spending rather than hold an account balance.
9.7 vs 9.0
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Frequently asked questions
What does it cost to hold the Ariza Advantage account?+
The account carries a monthly fee of XCD 0, so there is nothing to pay each month while the balance sits there. It runs on a no-monthly-fee model, a structure shared by 28.6% of the accounts on the site.
What rate do I earn, and can it change?+
Savings sit at a headline rate of 3.5% on an easy access account, and the rate type is variable, so the figure is not locked for a set term. The median across the accounts we list is 2.75%, so this rate sits above the middle of the field.
What card comes with the membership?+
The card is a debit card on the visa network, so spending comes out of the money in the account rather than a credit line. Travel is the stated feature, which suits members paying in foreign currencies. The card sits with the savings account, so balance and card stay in the same place.
Can I borrow from the same institution?+
Ariza lends as a direct lender, so the loan comes from the institution that holds your savings. Borrowing covers personal, credit line and car needs, and Flexi Credit runs to XCD 25,000 at 12% over a term of 36. A credit line, car finance and student or business loans sit alongside personal and secured lending.
Do you lend for homes?+
Home lending covers purchase and remortgage of a property, with a fixed period that can run to 30. Because savings, the card and the mortgage sit with the same institution, a member can keep everyday money and home finance under a single membership.
Who can become a member?+
Membership is open to Grenadian citizens and CARICOM nationals by birth, marriage, naturalisation or descent. Joining starts with a minimum deposit of XCD 520, and accounts open at any branch, where existing holders receive priority service.
How do I get help if something goes wrong?+
Support runs on phone, email and help centre, so you can call, email or read the help centre. Across the accounts we list, a help centre is the most common channel at 79.6%, with phone close behind at 74.4%. Ariza covers both.
Sources
- arizacu.com/borrow checked September 26, 2026
Backs: Lender type, Loan types
“We've got your back with a myriad of products and services ... Our Loans”
- arizacu.com/borrow/flexi-credit checked September 26, 2026
Backs: Loan amount, APR, Term
“Ariza Credit Union provides members with Flexi Credit evergreen loan facilities of up to EC $25,000.00.”
- arizacu.com/borrow/house checked September 26, 2026
Backs: Fixed period, Purpose
“Low interest rates, with up to thirty years to repay your loan”
- arizacu.com/contact-us checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Ariza Credit Union Ltd. P.O. Box 886, Bruce Street, St. George's, Grenada, West Indies”
- arizacu.com/membership/become-a-member checked September 26, 2026
Backs: Minimum deposit
“Start up cost: EC $520.00 - $500.00 for the purchase of 25 equity shares and EC $20.00 entrance fee”
- arizacu.com/resources/faqs checked September 26, 2026
Backs: Eligibility
“Membership is open to all Grenadians by birth, descent, citizenship or marriage. All CARICOM Nationals are also eligible for membership.”
- arizacu.com/save/ariza-advantage-account checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee, Rate type
“You can open an account by visiting any Ariza Credit Union branch or contacting their team for assistance”
- arizacu.com/services/visa-debit-card checked September 26, 2026
Backs: Card type, Features, Card network
“Your money is secure with the Ariza Visa International Debit Card”
- arizacu.com/why-ariza/our-story checked September 26, 2026
Backs: Founded
“Since 1947, Ariza Credit Union (formerly Grenada Public Service Credit Union)”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Ariza Credit Union
A single membership covering savings, a card and local borrowing.