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One Simple Loan. All the Cheer.

Make the Holidays Bright!

Borrow up to $2,500 with rates as low as 8.99% APR for 24 months.* Save even more with a 0.25% rate discount when you enroll in auto pay.**

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Become a Member

It Takes Just 15 Minutes to Join the Raiz Family.

Empowering Financial Futures: Mammoth Rock Capital

Leveraging the award-winning broker-dealer platform LPL Financial, Mammoth Rock Investments offers a comprehensive range of investment opportunities, including retirement plans, annuities, mutual funds, and exchange-traded funds (ETFs).

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Empowering Financial Futures: Mammoth Rock Capital

Through a recent merger with Del Sol Title, Mammoth Rock Title brings over 190 years of combined experience in real estate transactions. With expertise in handling property closings, Mammoth Rock Title ensures a seamless process for individuals and businesses.

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Empowering Financial Futures: Mammoth Rock Capital

Partnering with TruStage Insurance, Mammoth Rock Insurance provides a wide array of insurance options, including home, auto, AD&D, and life policies, all offered at competitive rates to suit various budget needs.

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Raiz Checking Accounts

Raiz Checking Accounts receive a free Mastercard Debit Card with no activation 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

A Credit Union in El Paso 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. Trust a credit union in El Paso that offers a solution for your big dreams.

Disclosures

*Must meet membership eligibility requirements. All loans are subject to credit approval. Not all applicants may qualify. Loan Example: A $2,500 Loan at a rate as low as 8.99% APR will result in approximately 24 payments of $114.20.

**A 0.25% rate discount is available with Auto Pay enrollment. If Auto Pay is canceled, the discount will end, and the rate will revert to the contracted rate. Offer ends December 31, 2025.

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Alert: Raiz Holiday Hours Learn More