Other Loans

The Credit Builder Loan allows the member to build or rebuild their credit history by laying-away the proceeds of a loan (up to $10,000) in their Share Savings Account while they make regular, online monthly payments during a 24-month repayment period.

By laying the proceeds of the loan away in this manner, the member will:

• Build a positive credit history with the credit union that will be reported monthly to all major credit bureaus
• Build a sizable savings balance that will earn dividends and grow as the loan is being paid off

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Arkansas Federal understands that mistakes happen, and sometimes there are unanticipated expenses or unforeseen problems that can overdraw your checking account. With this in mind, we are introducing a line of credit that can be utilized as your primary source for overdraft protection. Members can apply for a line of credit ranging from $250 to $2,500.

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The member can borrow against the money they have in their Share Savings Account or Certificate Account by pledging those funds towards a Share Pledged Loan. Because they are pledging their savings, this is usually the fastest and least expensive way to borrow money. Payments for a Share Pledged Loan can be made effortlessly through payroll deduction.

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Signature loans are loans secured solely by a member's good name. Borrowing power is based on personal financial history, credit score, and current income.

Members with a monthly take-home pay of $500 or more can find out their eligibility for a Signature Loan by going through the application process. After an evaluation of the applicant's financial status, the amount of the Signature Loan, from $100 to the individual's maximum, is determined, based on the member's circumstances.

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We’re making protection more affordable this storm season. Protect the ones you love today with a storm shelter loan from Arkansas Federal. With rates as low as 5.44% APR*, this is an offer you won’t want to pass up! Our loan officers will work with you to find the right term to fit your budget.

Hurry – you’ll want to get your shelter installed before the next big storm.

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*APR = annual percentage rate. Some restrictions apply. Normal credit criteria apply for rate. Offer subject to change without notice.