Online Banking

Elite 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, 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. 6.00% APY applies to balances up to $10,000.00. Balances $10,000.01 or more earn 0.05% APY. Fees could 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 rate are subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required.

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Grow your money with certificates

Personal Certificates
as high as
5.00
%
APY
APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rate is effective as of 02/02/2024 at 5.00% APY for 6 months and are subject to change. Rate shown is for amounts $1,000.00 to $999,999.99. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. To qualify, a member may either fund the certificate with new money—money that was not originally housed with Arkansas Federal, or they may transfer funds from an already established Arkansas Federal checking or savings account. If funding is from an already established Arkansas Federal account, the member must also have a monthly direct deposit of at least $500 going to an Arkansas Federal checking account or already have an active checking account with at least 10 monthly transactions. For current members that do not have an Arkansas Federal checking account, they may open a checking account with Arkansas Federal to qualify. For current members with an inactive Arkansas Federal checking account, to qualify, a monthly direct deposit of at least $500 must be enabled. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required.

Earn more with our limited-time specials.

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Business Certificates
as high as
5.00
%
APY
APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rate is effective as of 02/02/2024 at 5.00% APY for 6 months and are subject to change. Rate shown is for amounts $1,000.00 to $999,999.99. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. To qualify, a member may either fund the certificate with new money—money that was not originally housed with Arkansas Federal, or they may transfer funds from an already established Arkansas Federal checking or savings account. If funding is from an already established Arkansas Federal account, the member must also have a monthly direct deposit of at least $500 going to an Arkansas Federal checking account or already have an active checking account with at least 10 monthly transactions. For current members that do not have an Arkansas Federal checking account, they may open a checking account with Arkansas Federal to qualify. For current members with an inactive Arkansas Federal checking account, to qualify, a monthly direct deposit of at least $500 must be enabled. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required.

For a limited time, earn more on your money.

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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, 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. 6.00% APY applies to balances up to $10,000.00. Balances $10,000.01 or more earn 0.05% APY. Fees could 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 rate are subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required.

From high yields to no frills, find the right account for you.

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Consolidate debt

Consolidate Debt
as low as
7.50
%
APR
APR is the Annual Percentage Rate. As of 10/10/23, the rate quoted refers to debt consolidation through a home equity loan and assumes a first-lien, 75% loan-to-value (LTV), 60-month term, and a minimum credit score of 740. Credit criteria applies. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, credit history, and collateral. Offer subject to change without notice. Restrictions may apply. Membership with Arkansas Federal Credit Union is required for this offer.

Lower your payments, save money, and simplify your life.

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Not Sure Where to Start?

Being a credit union means doing more than just offering some of the best rates available. It's about empowering you through financial knowledge and giving you choices that are good for you and your wallet. Tell us about your goals and we'll make suggestions to help you reach them.

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Digital Banking

Securely manage your personal or business accounts at home or on the go. View transactions and account balances, transfer funds, deposit checks, pay bills, and much more when it’s convenient for you. It’s fast, easy and safe.

Credit IQ

View your credit score, monitor activity, and more!

My Cards

Control when, where, and how your card is used.

Zelle®

Send and receive money quickly and securely.Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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Better rates. Fewer fees.

Open an account or apply for a loan and start enjoying better rates, fewer fees, and friendlier service. It’s that simple.