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Certificates
as high as
4.50
%
APY1

6-Month and 13-Month Specials for Personal, IRA & Business
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High-Yield Checking
as high as
6.00
%
APY2

From high yields to no frills, find the right account for you.

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Consolidate debt

Consolidate Debt
as low as
7.50
%
APR5

Lower your payments, save money, and simplify your life.

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Digital Banking

Securely manage your personal or business accounts at home or on the go. View transactions and account balances, transfer funds, deposit checks, pay bills, and much more when it’s convenient for you. It’s fast, easy and safe.

Credit IQ

View your credit score, monitor activity, and more!

My Cards

Control when, where, and how your card is used.

Zelle®

Send and receive money quickly and securely.6

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Financial Education Resources

Better rates. Fewer fees.

Open an account or apply for a loan and start enjoying better rates, fewer fees, and friendlier service. It’s that simple.

Experience The Difference
Arkansas Federal Credit Union
Call AFCU:800.456.3000
Read More About Certified Community Development Financial Institutions
  1. APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rates are effective as of 11/22/2024 at 4.50% APY for 6 months and 13 months. Offer and rate are subject to change. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA.
  2. APY is the Annual Percentage Yield. Elite Checking is a tiered rate variable product. The rate is effective as of 09/01/2023. To qualify for the 6.00% APY, member must have a monthly direct deposit of at least $1,000 going to their Elite Checking, be enrolled in eStatements, be in good standing, and complete 15 monthly transactions of at least $10 each by using their debit card tied to the account. The 15 required transactions must post to the account within the calendar month to receive earnings. 6.00% APY applies to balances up to $10,000.00. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500.00. Only one Elite Checking or Premium Checking account per member is allowed. Offer and rate are subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required.
  3. APY is the Annual Percentage Yield and accurate as of 11/03/2022. Business Premier Checking is a tiered rate product. Balances of $250,000 or greater earn 2.50% APY; balances of $100,000.00 - $249,999.99 earn 2.00% APY; balances of $50,000.00 - $99,999.99 earn 1.75%; balances of $10,000.00 - $49,999.99 earn 1.25% APY; and balances less than $10,000.00 earn 1.00% APY. Offer and rate are subject to change. Some exclusions apply. Refer to the fee schedule for complete details. Fees could reduce earnings.
  4. APR is the Annual Percentage Rate. As of 02/03/2025, the variable APR ranges from 15.24% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site. There is no annual fee; however, late payment fees may reach $40. A balance transfer fee of 3.00% of the total amount applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
  5. APR is the Annual Percentage Rate. As of 10/10/23, the rate quoted refers to debt consolidation through a home equity loan and assumes a first-lien, 75% loan-to-value (LTV), 60-month term, and a minimum credit score 740. Credit criteria apply. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, credit history, and collateral. Offer is subject to change without notice. Restrictions may apply. Membership with Arkansas Federal is required for this offer.
  6. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Federally Insured by NCUA

NMLS# 418494