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What are the interest rates?

Home Improvement Loan interest rates start at APR. Take advantage of the 0.50% rate discount and set up direct deposit and automatic payments linked to a Raiz Account*.

*A 0.50% rate discount is available when both direct deposit and automatic payments are set up and linked to a Raiz account. If direct deposit or automatic payments are canceled, your rate will return to its contracted rate.

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Holiday Closure: Raiz branches, call center, and operations center will be closed on Monday, February 16, 2026 in observance of Presidents' Day. Learn more