The Raiz Federal Credit Union All Credit Levels is a cdfi lender from Raiz Federal Credit Union. The ongoing APR is 4.25%. Rewards: $0.05 to local high schools and community organizations for every non-PIN transaction made with a Spirit Debit Card.. Loan terms: 66 monthly payments of approximately $17.02 for every $1,000 borrowed at a rate of 4.25% APR.. This product reports activity to your personal credit report. Raiz Federal Credit Union is a community-focused financial institution located in El Paso, TX, offering a variety of savings and checking accounts, as well as financial services designed to empower members in achieving their financial goals. The credit union serves individuals and families in the El Paso area, providing accessible banking solutions and community support. US Treasury certified CDFI Credit Union in El Paso, TX. Membership required.