Ariza Credit Union review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Ariza Credit Union lends to its members rather than to the wider market, and it suits Grenadian citizens and CARICOM nationals who want a revolving line at a fixed 12%. The same cooperative covers personal, car, secured, student, business and home lending, so a member keeps the same provider throughout.

Key facts

Best for
A Grenadian or CARICOM member wanting a fixed-rate credit line and other lending from one cooperative.
APR
12% (Source, checked September 26, 2026)
Loan amount
EC$25,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Membership open to Grenadian citizens and CARICOM nationals by birth, marriage, naturalization or descent (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Car, Secured, Student, Business (Source, checked September 26, 2026)
Legal entity
Ariza Credit Union (formerly Grenada Public Service Co-operative Credit Union) (Source, checked September 26, 2026)
Headquarters
Grenada (Source, checked September 26, 2026)
Founded
1947 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
arizacu.com

Mortgages

Fixed period
30 years (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Ariza Credit Union (formerly Grenada Public Service Co-operative Credit Union) (Source, checked September 26, 2026)
Headquarters
Grenada (Source, checked September 26, 2026)
Founded
1947 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
facebook.cominstagram.com

Pros and cons

Pros

  • The flexi credit is a revolving line at a fixed rate, so a drawn balance keeps its price.
  • One lender covers personal, car, secured, student, business and home lending, so nothing is re-sourced.
  • Support runs on phone, email and help centre, so a question can go by phone or email.
  • Founded in 1947, it lends home finance over a fixed period of 30 for buyers planning ahead.

Cons

  • Equity release and buy-to-let are not among its lending types (personal, credit line and car).
  • The credit line term of 36 is shorter than the 60 upper quartile, so repayments sit higher.
  • The 12% rate places it 179 of 350 on APR here, so cheaper borrowing sits elsewhere.
Ariza Credit Union

Ready to try Ariza Credit Union?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Grenadian citizens and CARICOM nationals who can take out a union membership and want a revolving line.
  • Borrowers who prefer a fixed 12% to a rate that moves with the market.
  • Members buying or remortgaging who also want car or business lending in one place.

Who should look elsewhere

  • Applicants whose nationality sits outside Grenadian citizenship and CARICOM national status.
  • Rate-first shoppers: Cashspace ES quotes 0% and Cashspace runs PHP 12 to PHP 36.
  • Members who want a banded rate, where Monzo Flex quotes 10% to 23%.

How it compares on our data

On APR, Ariza Credit Union places 179 of 350 brands in this comparison, putting a member's rate in the middle of the field rather than at the cheap end. On term, the position is 111 of 232, which points to a repayment window shorter than most of the lenders listed.

How Ariza Credit Union compares

Where Ariza Credit Union is available

Available
Grenada

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the credit line cost to borrow?+

The flexi credit is priced at 12% and the rate type is fixed. A member knows what a drawn balance costs for the life of the facility, which helps with budgeting. Membership comes first, so the rate applies to members of the union rather than to anyone comparing offers.

Who can join Ariza Credit Union?+

Membership is open to Grenadian citizens and CARICOM nationals by birth, marriage, naturalisation or descent. The union lends from GD, so the pool of applicants is set by nationality rather than by where you live. You join before you draw on any product.

How much can I borrow and how long do I have to repay?+

The flexi credit line is set at XCD 25,000 with a term of 36. That is a shorter repayment window than the 60 upper quartile of terms in this comparison, so monthly amounts sit higher than they would on a longer schedule.

Is the flexi credit a loan or a revolving line?+

It is listed as a credit line, so you draw, repay and redraw within the limit instead of taking a fixed instalment loan. That suits costs that come and go through the year, and the same 12% applies while the line stays open.

What else does the union lend?+

The book covers personal, car, secured, student and business loans, plus home finance for purchase and remortgage. It lends directly rather than acting as a broker, so a member deals with the union itself on every product, under the same membership.

How do I get help as a member?+

Support runs on phone, email and help centre. A question about a draw on the credit line or a mortgage application can go by phone or email, with a help centre for anything longer. The union has been lending since 1947 and carries a spread of products for its members.

How does the rate compare with other lenders here?+

The union ranks 179 of 350 on APR in this comparison, and its 12% sits at the 12% median. Cashspace quotes PHP 12 to PHP 36 and Monzo Flex quotes 10% to 23%, so members shopping on rate alone have cheaper options.

Sources

  • arizacu.com checked September 26, 2026

    Backs: Support channels

    “Online Account Access / Call Us tel:473-440-1759 / Email Us ... FAQs”

  • 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, Features, Pricing model, Rate type, 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/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/why-ariza/our-story checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “In the year 1947 Credit Union literature was distributed to members of the Civil Service Association ... the Grenada Public Service Co-operative Credit Union, then called the Civil Service Credit...”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

Ariza Credit Union

Ariza Credit Union

A Grenadian or CARICOM member wanting a fixed-rate credit line and other lending from one cooperative.

9.2/10See alternatives

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