$0 Down Payment.
Zero Stress.Realtor fees, closing costs and fees may still apply. All loans are subject to credit and property approval.

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.

Auto Refi: Rate effective as of June 29, 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.

Rate effective as of October 1, 2025, ranging from 6.49% to 18.00% APR, with terms between 12 and 84 months. 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 personal loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history, and application information meet all requirements. For debt consolidation, even with a lower interest rate or monthly payment, paying debt over a longer period may result in paying more interest. An Arkansas Federal personal loan is intended for personal use. It cannot be used to pay for post-secondary education, a secured loan, or directly pay off an Arkansas Federal credit card. Membership with Arkansas Federal is required.