Mortgage
Buy, build, or refi with confidence.
LIMITED-TIME OFFER 0% APRBalance Transfer Offer: Offer valid from March 13, 2026, to July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to an Arkansas Federal Credit Union Low Rate Classic or Cash Back World credit card. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors and must be requested within the introductory period. Members may make multiple balance transfers during the introductory period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit and are subject to credit approval. Unless otherwise stipulated by underwriting, once approved, the balance transfer amount will be deposited into your Arkansas Federal checking or savings account, and you are responsible for paying the other creditor. A balance transfer fee of 3.00% of the total amount transferred applies. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. Balance transfers do not earn rewards. New purchases are not eligible for the introductory APR and will accrue interest at the standard variable APR. After the introductory period, any remaining transferred balance will accrue interest at the standard variable APR. Standard variable APR currently ranges from 9.50%–18.00% for Low-Rate Classic cards and 14.49%–18.00% for World cards, based on creditworthiness and the Prime Rate. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard variable APR. All loans, including credit cards, are subject to credit approval, and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Balance Transfer
Pay no interest for 18 months on eligible balance transfers.
Auto Refi
as low as
3.99
%
APR
Auto Refi: Rate effective as of April 10, 2026. Not all will qualify for the lowest rate. Rates range from 3.99% to 18.00% APR with terms up to 100 months. The 3.99% APR rate is only available for terms up to 36 months to those who meet our top credit tier requirements; higher rates apply for longer terms and other credit tiers. Terms of 85 months or longer require a minimum financed amount of $65,000. Upon submitting an application, you may qualify for a higher loan amount and/or higher APR. The APR is determined by various factors within Arkansas Federal’s custom scoring model, including, but not limited to, credit score, credit history, income, and debt-to-income. You must have a minimum household annual income of $25,000, be over 18 years of age, and have a valid U.S. Social Security Number to be considered for an Arkansas Federal auto loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history, and application information meet all requirements. Even with a lower interest rate or monthly payment, paying debt over a longer period of time may result in paying more interest. Full coverage insurance with a maximum deductible of $1,000 is required on all auto loans, including refinances. The borrower is responsible for adding Arkansas Federal as a lienholder. Depending on the state where the vehicle is purchased, fees may be involved, such as title or registration fees. However, Arkansas Federal does not charge fees for purchasing or refinancing a vehicle. Offer and rate advertised are subject to change without notice.
%
APR
Lower your rate. Lower your payment.
High-Yield Checking
as high as
6.00
%
APY
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, the 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. When all requirements are met, 6.00% APY applies to balances up to $10,000.00, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also 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 rates are subject to change. Exclusions may apply. Refer to the rate sheet for full details. Membership with Arkansas Federal Credit Union is required.
%
APY
Earn more on your everyday balance.
0% Balance TransferBalance Transfer Offer: Offer valid from March 13, 2026, to July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to an Arkansas Federal Credit Union Low Rate Classic or Cash Back World credit card. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors and must be requested within the introductory period. Members may make multiple balance transfers during the introductory period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit and are subject to credit approval. Unless otherwise stipulated by underwriting, once approved, the balance transfer amount will be deposited into your Arkansas Federal checking or savings account, and you are responsible for paying the other creditor. A balance transfer fee of 3.00% of the total amount transferred applies. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. Balance transfers do not earn rewards. New purchases are not eligible for the introductory APR and will accrue interest at the standard variable APR. After the introductory period, any remaining transferred balance will accrue interest at the standard variable APR. Standard variable APR currently ranges from 9.50%–18.00% for Low-Rate Classic cards and 14.49%–18.00% for World cards, based on creditworthiness and the Prime Rate. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard variable APR. All loans, including credit cards, are subject to credit approval, and restrictions may apply. Membership with Arkansas Federal Credit Union is required.
Pay down balances faster with 0% APR for 18 months.Balance Transfer Offer: Offer valid from March 13, 2026, to July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to an Arkansas Federal Credit Union Low Rate Classic or Cash Back World credit card. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors and must be requested within the introductory period. Members may make multiple balance transfers during the introductory period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit and are subject to credit approval. Unless otherwise stipulated by underwriting, once approved, the balance transfer amount will be deposited into your Arkansas Federal checking or savings account, and you are responsible for paying the other creditor. A balance transfer fee of 3.00% of the total amount transferred applies. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. Balance transfers do not earn rewards. New purchases are not eligible for the introductory APR and will accrue interest at the standard variable APR. After the introductory period, any remaining transferred balance will accrue interest at the standard variable APR. Standard variable APR currently ranges from 9.50%–18.00% for Low-Rate Classic cards and 14.49%–18.00% for World cards, based on creditworthiness and the Prime Rate. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard variable APR. All loans, including credit cards, are subject to credit approval, and restrictions may apply. Membership with Arkansas Federal Credit Union is required.
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Digital Banking
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