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Personal Loan

Enjoy fixed rates as low as 8.89% APR The APR (Annual Percentage Rate) is effective as of 07/01/2024, ranging from 8.89% to 18.00% APR, with terms between 24 and 84 months. The APR is determined by various factors within Arkansas Federal’s custom scoring model, including, but not limited to, credit score, credit history, income, and debt-to-income. You must have a minimum household annual income of $25,000, be over 18 years of age, and have a valid U.S. Social Security Number to be considered for an Arkansas Federal personal loan. The maximum loan amount for an Arkansas Federal personal loan is $25,000. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history, and application information meet all requirements. For debt consolidation, even with a lower interest rate or monthly payment, paying debt over a longer period may result in paying more interest. An Arkansas Federal personal loan is intended for personal use. It cannot be used to pay for post-secondary education, a secured loan, or directly pay off an Arkansas Federal credit card. If application verification is completed and final approval occurs before 3:00 PM (CT) on the days the credit union offices are open, funds may be deposited the same business day via direct deposit to your Arkansas Federal account. Offer and rate are subject to change without notice. Membership with Arkansas Federal is required. and get the money you need to help cover unexpected expenses and more. It’s a great alternative to using a higher interest credit card.

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Credit Builder Loan

Build your credit while you save money! Uniquely designed to help improve your credit, funds are placed in an account for safekeeping. As you make your on-time payments, we’ll report your success to the credit bureaus. Once the loan is paid off, the loan’s value is released to you – with interest and a better credit score!Credit Builder Loan account funds are held in a share savings account until paid in full. Subject to approval. Improved credit score is not guaranteed. Improvement of your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month will result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. Membership with Arkansas Federal Credit Union is required for this offer.

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Home Equity Loan

With home values rising, take advantage of your increased equity with a low, fixed-rate home equity loan. Use the cash to finish a home project, fund a vacation, plan a dream wedding, and more. Get started today with fixed rates as low as 7.50% APR APR is the Annual Percentage Rate. As of 10/10/2023, the quoted interest rate assumes a first-lien, 75% loan-to-value (LTV), 60-month term, and a minimum credit score 740. Credit criteria apply. 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 is subject to change without notice. Restrictions may apply. Membership with Arkansas Federal is required for this offer..

Home Improvement Loan

Make home renovations and repairs quickly and easily with an affordable, fixed-rate home improvement loan—no collateral or appraisal required. Borrow up to $50,000 today with a fixed rate as low as 10.40% APR APR is Annual Percentage Rate. Rate effective as of 10/10/23. The 10.40% APR is for terms up to 84 months and assumes a 740 or higher credit score. For terms up to 120 months, rates are as low as 11.15% with a 740 or higher credit score. Some restrictions apply. Normal credit criteria apply for rate. Offer and rate subject to change without notice. Membership with Arkansas Federal is required for this offer..

Get Started Now. It's Easy!

We make it easy to get started. Have questions and want to talk? We're here for you.
Call us at 800.456.3000 or visit your local branch.