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Routing Number: 282075028

Call or stop by today and start earning a high rate of return with a short time commitment (new money only). This is a limited time offer so don’t delay in taking advantage of the highest certificate rate in the country.

Just one of the ways we share ownership benefits with our members. Not an AFCU member? No problem, sign up for membership today. Membership is available to Arkansas residents.

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Start earning today by calling 800-456-3000 or visit your local AFCU service center to open your share certificate.


Don’t have “new money” to invest? No problem. AFCU’s 12-month 1.00% APY certificate** is now available. AFCU is also offering attractive rates for Rewards Plus Checking and Premier Business Checking!

*Based on CD rates on 12-16-16 for 18-month certificate. Offer and rate subject to change without notice. APY = Annual Percentage Yield. Refer to fee schedule for full details. 20-Month Share Certificate: $5,000 minimum deposit of “new money” to open a certificate share account. “New money” is defined as funds that have not been in an Arkansas Federal Credit Union account for the prior 30 days. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. **Consumer Share Certificate available to members who have an AFCU checking account with direct deposit of $500 or more per month or who have 10 transactions per month. $1,000 minimum balance to open the consumer share certificate account. Members who do not currently have a checking account may open an account and meet the requirements to open a share certificate account. Business Share Certificate available to business members who have an AFCU business checking account, $5,000 minimum balance to open the business share certificate account. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply.

People Before Profits. At AFCU, you’re a member – not a customer. AFCU is member-owned and invests profits in the communities where our members live and work. We foster community development, provide sound and prudent guidance for our member’s individual financial circumstance and back our promise of "member-owned" with a commitment to ensuring our members receive the very best service, expertise and convenience our members demand – all at a great value.

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Personal Banking Backed by Security and Convenience

AFCU offers strength and security that make us competitive with banks anywhere – including competitive dividend and loan rates, as well as the latest technological conveniences that make managing your money exceptionally easy. AFCU offers a surprising friendly and refreshing way to alternative banking institutions.

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Find the perfect mortgage for your new home! Down payments as low as 0%.

  • Fixed & Adjustable Rate
  • FHA Loans
  • VA Loans
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Certificate Special

Highest Certificate Rate in the Country!

Open a new certificate account today.

  • Limited time offer
  • 1.45% for 20 months (New money)
  • 1.00% for 12 months (New/existing money)
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Credit Cards

Looking for a low rate credit card?  AFCU has one of the lowest rates in the country!

  • Balance Transfer Fee:  $0
  • Annual Fee:  $0
  • No Penalty APR
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Personal Testimonial

You took a chance on someone you had no idea who she was and what her situation was. I have since paid off my loan with you and raised my credit card limit. And with your help in getting started with my financials, it allowed me to purchase a car in my own name.  I appreciate your graciousness in getting me back on my feet.

- Angie Bryan, member since 2012

Small Business Banking

Supporting the local economic growth of our service areas by providing small businesses with the capital and expertise they need to succeed is aligned with our mission to foster community development and invest where our member owners live and work. AFCU does this by hiring the most experienced business lending experts who understand how to help local businesses thrive.

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We were able to achieve a much lower interest rate that lets us put capital back into our properties.

- Marsha Martin, President and CEO, Onyx Brands

Personal Testimonial


About Us

AFCU is a not-for-profit financial cooperative that exists to serve our members, not to make a profit. The credit union philosophy is all about people helping people.

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