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Become a Member in 3 Easy Steps
Set up your online account in 3 easy steps. No military affiliation required.
Step 1
Confirm Your Eligibility
If you live in Arkansas, you're eligible for membership. If you don't live Arkansas, you might still be eligible.
If you live in Arkansas, you're eligible for membership. If you don't live Arkansas, you might still be eligible.
Step 2
Tell us a Little About Yourself
We'll ask you for your contact information, your social security number, and information from a photo ID.
Step 3
Open a Share Savings with $5
Deposit $5 into the Share Savings Account that comes with your membership.
Congrats! You're now a member.
Congrats! You're now a member.
Experience the Credit Union Difference
I 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 their customer service is spectacular.
— Chloe Cox
Committed to Our Members
As a member-owned financial cooperative, we don't give our profits to share holders. We invest our profits back into benefits for our 100,000+ member owners through high dividend and low loan rates.
Committed to Our Community
We Make a Difference in the lives of our employees, members and the communities we serve. By giving back to local charities, we help underserved populations achieve their dreams and goals.
Disclosures:
1. APY is Annual Percentage Yield. Rewards Plus Checking is a tiered variable rate product. To qualify for the 3% Rewards Plus checking account, members are required to complete 10 monthly transactions of at least $1.00 each, defined as ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Members who currently have a Rewards Plus Checking account that is inactive can qualify for the offer by meeting the same criteria. 3% APY currently applies to balances of $0 - $24,999.99. Balances of $25,000.00 and more earn 0.10% APY. Fees could reduce earnings. Earn 1 point for every $2.00 spent through your Arkansas Federal debit card. A monthly fee of $12.50 applies if daily balance drops below $2,500.00. Offer and rates subject to change. Certain exclusions may apply.
2. APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal. Auto Refi: Rate shown based on a credit score of 760 or higher, LTV equal to or less than 90, and a term of 36 months for 1.99% APR for vehicles New-2017 year models. For a loan of $20,000.00 for a term of 36 months with a 1.99% APR (Annual Percentage Rate), the monthly payment would be $572.76. Offer subject to change without notice; credit criteria applies. Offer is only valid for auto loans not currently financed with Arkansas Federal. New (never been titled) automobile values are based on the MSRP as stated by the NADA unless the MSRP is provided by the dealer. Used (previously titled) automobile values are based on the NADA average retail. Some restrictions apply.
3. APY = Annual Percentage Yield. Federally insured by NCUA. 6-Month Share Certificate: To qualify for 2.10% APY on the 6-month certificate, you must have an active checking account or fund the account with “new money.” Active checking account is defined as having a direct deposit of $500.00 or greater to the checking account, or 10+ transactions per month in the respective checking. New money is defined as money that has not been on deposit at Arkansas Federal for the past 30 days. Refer to the rate schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Fees may reduce earnings. Early withdrawal penalties may apply. $1,000.00 minimum deposit to open a share certificate account. Membership with Arkansas Federal Credit Union is required for this offer.
4. APR = Annual Percentage Rate. Limited time offer for the Platinum Classic MasterCard - 4.75%-9.75% APR applicable to qualified borrowers for balance transfers completed during 7/1/19 to 3/20/20. Balance Transfers made during this time period will remain at the special periodic rate of 4.75%-9.75% APR and will continue for the life of the balance transfer. After the promotional period (7/1/19 to 3/20/20) any new balance transfers are subject to the corresponding variable APR as stated in the Credit Card Agreement.
5. APY is Annual Percentage Yield. Rewards Plus Checking is a tiered variable rate product. To qualify for the 3% Rewards Plus checking account, members are required to complete 10 monthly transactions of at least $1.00 each, defined as ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Members who currently have a Rewards Plus Checking account that is inactive can qualify for the offer by meeting the same criteria. 3% APY currently applies to balances of $0 - $24,999.99. Balances of $25,000.00 and more earn 0.10% APY. Fees could reduce earnings. Earn 1 point for every $2.00 spent through your Arkansas Federal debit card. A monthly fee of $12.50 applies if daily balance drops below $2,500.00. Offer and rates subject to change. Certain exclusions may apply.
6. APY = Annual Percentage Yield. Business Premier Checking is a tiered variable rate product, currently all tiers earn 1.70% APY as of 11-1-19. $100 minimum opening balance required. $10.00 monthly fee waived is for a limited time. Offer and rates subject to change. Certain exclusions may apply. Membership with Arkansas Federal Credit Union is required for this offer. Fees may reduce earnings.
7. $10.00 monthly fee waived is for a limited time.
8. APR = Annual Percentage Rate. 0% APR is applicable to purchases and balance transfers completed during the first 90 days from account opening. Purchases and Balance Transfers made during this time period will remain at the special periodic rate of 0% APR for 18 monthly statement cycles from account opening. After the promotional period any unpaid balances are subject to the corresponding variable APR as stated in the Credit Card Agreement. Any purchases or balance transfers made after the initial 90 days are subject to the corresponding variable APR as stated in the Credit Card Agreement. As of 8-2-19, the standard variable APR is 12.99% - 18.00%. Balance transfers are subject to a transaction fee of 3% of total transaction amount. Cash advance fee = 5% of total transaction amount. Late payment fee up to $35. Interest on cash advances and overdraft transfers will be charged at the standard APR on the balance from the date of transaction. Offer subject to change without notice and may end at any time. All loans subject to approval and restrictions may apply.
9. Earn 1.5 point for every $1 spent on purchases. Points may be redeemed for cash back equal to 1.5%. Cash Advances and Balance Transfers do not earn points. Membership with Arkansas Federal Credit Union is required for this offer. Offer subject to change without notice and may end at any time. All loans subject to approval and restriction may apply. Offer is only valid for outstanding balances not currently financed through Arkansas Federal Credit Union.
10. APR - Annual Percentage Rate. Offer subject to change without notice, credit criteria applies. This offer is only valid for auto loans not currently financed with Arkansas Federal Credit Union. Membership with Arkansas Federal Credit Union is required for this offer. Interest continues to accrue during the deferred payment and credit score determines rate. Restrictions may apply. First payment may be due up to 90 days from the date of the signed contract.