Want an everyday low rate and no annual fee?
Customer Service is SpectacularI enjoy being a member of Arkansas Federal because they are always helpful when I need something. I have had a positive experience working with Arkansas Federal because its customer service is spectacular.
Save with a low rate and no annual fee.
Get one of the best everyday credit card rates available, as low as 10.50% APR APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 10.50% to 18.00% and is based on your creditworthiness and market conditions related to the Prime Rate. There is no annual fee; however, late payment fees may reach $40. The foreign transaction fee is 1.00%, and a balance transfer fee of 3.00% of the total amount applies. A cash advance fee of 3.00% per transaction also applies, and 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. Please refer to the Full Credit Card Account Agreement and Disclosures for complete details.. Plus, there’s no annual fee and no over-limit fee.
More Great Benefits
Online & Mobile Banking
Managing your card from your computer or mobile device has never been easier! Pay your credit card bill online, check available credit, and more.
Identity Theft Resolution Services
Should you become the victim of Identity Theft, Mastercard will assist you with credit bureau notification and debit card replacement and provides you with an ID Theft Affidavit.Certain restrictions apply. For details, see the Guide to Benefits.
Mastercard® Global Service™
Receive around-the-clock customer service assistance with lost or stolen card reporting, emergency card replacement, as well as assistance with locating ATMs and other card-related questions.
Mastercard® Priceless® Cities
Provides access to unforgettable experiences in the cities where you live and travel, such as access to special events, restaurants, museums, and tours.Certain restrictions apply. For details, see the Guide to Benefits.
Mastercard® Airport Concierge™
Arrange for a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival, or any connecting flights.Certain restrictions apply. For details, see the Guide to Benefits.
Authorized User
Share the convenience of your card with another authorized user. When you give them access to your account, they get their own personal card and can enjoy the same perks you do.
Security & Benefits
$0 Liability
You won’t be held responsible for unauthorized charges made with your account or account information.Certain restrictions apply. See www.mastercard.us/zero-liability for details.
Card Defend
With the touch of a button, decide when, where, and how your credit card is used.
Digital Wallet
Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.
Hear From Our Happy Members
Makes banking easyArkansas Federal makes banking easy. It always handles just what I need right on the spot.
Affordable Personal Loan PaymentsI really love how everyone is so friendly and willing to help with my banking needs. I am very thankful I listened and chose Arkansas Federal for all my banking needs.
Fast and Easy ProcessI must say I was pleasantly surprised at just how fast and easy the process played out. I submitted the documents needed and in no time, we were approved and ready to make an offer on a house.