Understanding Credit Card Rates
Low-rate credit cards are great, especially for people new to using credit cards.
Read MoreTransfer and Save
Why pay more? Put more of your payment toward your balance, not interest.
Why pay more? Put more of your payment toward your balance, not interest.
0% Balance Transfer
On eligible balance transfers, then
as low as
9.50%
APR
This offer is effective March 13, 2026, through 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 your Arkansas Federal Credit Union Low-Rate Classic credit card. This promotional offer is available for a limited time. Eligible balance transfers must be from non-Arkansas Federal Credit Union creditors and must be requested within the promotional period. Members may make multiple balance transfers during the promotion 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. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 9.50% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. 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. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required. .
Everyday Low Rate
One of the lowest rates in the country after the promo period.
$0 Annual Fee
Enjoy no annual fee, ever.
Easy Application
Apply online in minutes. It’s easy.
How Much Could You Save
Example based on a $5,000 credit card balance. Illustration purposes only. Actual savings may vary.
| After a Balance Transfer to an AFCU Credit Card | Your Current High-Rate Card | |
|---|---|---|
| Balance | $5,000 | $5,000 |
| Transfer Fee | 3% ($150) | – |
| APR | 0% for 18 months | ~ 22% |
| Interest Paid Over 18 months | $0 | $1,450 |
Why Choose This Card
$0 Annual Fee
Enjoy the benefits of your card with no annual fee, year after year.
Fraud Protection
$0 Fraud LiabilityCertain restrictions apply. See www.mastercard.us/zero-liability for details. on unauthorized purchases made with your card.
How We Compare
Compare our low rate to other cards—see why we’re the smarter choice.
 | Simmons | Capital One | |
|---|---|---|---|
| Card | Platinum Classic | Simmons Visa | Platinum Mastercard |
| APR | 9.50%-18.00%1 ★ Lowest Starting APR | 13.75%-21.75%Percentages are based on the rates promoted on competitor websites on 01/28/2026 and are variable based on Prime. | 28.99%Percentages are based on the rates promoted on competitor websites on 01/28/2026 and are variable based on Prime. |
| Annual Fee | $0 | $0 | $0 |
| Balance Transfer Fee | 3% ★ Lowest Fee | 5% | 4% |
| Fraud Liability | $0 | – | $0 |
| Credit Score Monitoring | Free | Free | Free |
Explore Great Credit Card Benefits
$0 Annual Fee
Delight in no annual fees. Hooray!
Free Credit Monitoring
Stay on track with Credit IQ—it’s free!
24/7 Card Control
Full control, anytime—with My Cards.
Free Authorized User
Add another user for free—how nice!
$0 Fraud LiabilityCertain restrictions apply. See www.mastercard.us/zero-liability for details.
No fraud worries—you’re protected!
Everyday Low Rate
Enjoy a low rate every day!
Tap to Pay (Contactless)
Tap, pay, and go—super easy!
Digital Wallet
Pay with just your phone—so simple!
Identity Theft ResolutionCertain restrictions apply. For details, see the Guide to Benefits.
We’ve got your back if fraud happens!
Digital Account Access
Manage your account anytime, anywhere.
Rates & Fees
Clear pricing with no hidden fees!
Interest Rate
as low as
9.50
%
APR
This offer is effective March 13, 2026, through 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 your Arkansas Federal Credit Union Low-Rate Classic credit card. This promotional offer is available for a limited time. Eligible balance transfers must be from non-Arkansas Federal Credit Union creditors and must be requested within the promotional period. Members may make multiple balance transfers during the promotion 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. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 9.50% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. 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. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required.
%
APR
Fees
Annual Fee
Balance Transfer Fee
Foreign Transaction Fee
$0
3.00%
1.00%
Frequently Asked Questions
Is a balance transfer right for me?
A balance transfer can be a good option if you’re carrying high-interest credit card debt and want to focus on paying it down faster. Everyone’s situation is different, so reviewing your goals and payment plan can help you decide if it’s the right move.
What if I need a higher limit to pay off my balance(s) elsewhere?
You can request a credit limit increase from Arkansas Federal. Limit increase requests are subject to review and approval, and your available credit may vary based on eligibility.
How long does the process take?
Most balance transfers are processed within 1–3 business days once your request is submitted and approved. Timing can vary depending on the amount, verification needs, and how the transfer is delivered.
How does this impact my credit?
A balance transfer may impact your credit in a few ways. In the short term, a new request or higher balance can affect your score. Over time, paying down high-interest debt and making on-time payments can help improve your credit. As always, late payments or keeping a high balance can negatively impact your score.
How much can I transfer?
The amount you can transfer depends on your available credit limit and eligibility. If approved, you’ll be able to request a balance transfer up to the amount you qualify for under your card’s terms.
Does the 0% APR apply to new purchases?
The 0% APR applies to eligible balance transfers only. Purchases made with your card are subject to the standard purchase APR outlined in your card agreement.
Will interest be charged if I don’t pay off the balance in 18 months?
If any balance remains after the 18-month 0% APR period ends, the remaining balance will be subject to the standard variable APR.1
Looking for Something Different?
From cash back to secure, and even business cards, we’ve got you covered.
Cash Back
0% balance transfers for 18 months.This offer is effective March 13, 2026, through 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 your Arkansas Federal Credit Union World credit card. This promotional offer is available for a limited time. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors and must be requested within the promotional period. Members may make multiple balance transfers during the promotion 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. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. Balance transfers do not earn rewards, including the 2.00% cash back available on purchases. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. After the 18 billing cycles, any transferred balance not paid in full will accrue interest at the standard variable APR. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. 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. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required.
Business Rewards
Earn 2% cash back on business purchases!You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site.
