Membership open to all Arkansans.

Routing Number: 282075028

Become an Arkansas Federal Member

Why Us?

Experience the Arkansas Federal Difference. No stockholders, just members. We focus our energy on improving service and returning value to our members through competitive rates on loans and deposits. Join our 120,000+ member-owners. All Arkansans welcome!

Members Enjoy...

Competitive Rates

As a member of Arkansas Federal, you have access to competitive rates on mortgages, auto loans, and deposit products. That means more money to keep in your pocket.

24/7 Access

Conveniently manage your money with free online and mobile banking tools. Check balances, transfer funds, pay bills, and more! Plus, enjoy free mobile deposits and access to more than 30,000 surcharge-free ATMs. You may also choose to visit one of our 18 locations.

Member Owned

Our focus is on making decisions that are best for our members. We do not have paid stockholders; we have a volunteer board of directors elected by our members.


Federally Insured

Your safety and privacy are our top priorities. Arkansas Federal accounts are federally insured by the NCUA up to $250,000 - providing the same benefits of FDIC insurance for a bank account.


At Arkansas Federal, we serve you, our member - not stockholders. Instead, surplus earnings are returned to you in the form of competitive rates on loans and deposits.

Outline of the state of Arkansas


We love our community and give back to our community through donations, volunteering, and even scholarships.

Who Can Join?

Do you live or work in Arkansas? Do you have a family member who is a member? If your answer is yes to either of those questions, then you are eligible. That’s all it takes! No military, state or government affiliation required to join.

Prefer to join us as an employee or member of one of our more than 700 employers and organizations? If you live outside of Arkansas and are part of one of these groups, you may be eligible too! These groups chose to partner with us so their employees and members could have access to our amazing rates and outstanding service!

What is a credit union?

Proud Member of ACC

Arkansas Federal has partnered with the Arkansas chapter of the American Consumer Council to provide members with helpful consumer educational resources and a way to allow all Arkansans to be eligible to join Arkansas Federal. There is a one-time $10 joining fee charged by the American Consumer Council, which Arkansas Federal will pay on your behalf.

Become a Member - It's Easy!

Photo of Chole Cox

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


1. Before establishing membership, you’ll need to verify your identity by providing your contact information, social security number, and a photo ID. Once your identity is confirmed, you’ll also need to open a $5 share account. This share account represents your share/ownership in the credit union.