Latest updates from your credit union.

Routing Number: 282075028

COVID-19 Updates

Skip-A-Pay Delays NoticeArkansas Federal is receiving a very large volume of member requests to provide skip-a-pay / loan deferrals. If you have requested a skip a pay / payment deferral, please allow up to 72 hours for this to process before calling to check on the status. We apologize for the delays and are working diligently to try to make this process faster for our members as we understand the need and urgency.

Loan Payment Assistance


Great news! Effective now, most Arkansas Federal credit card members will NOT be required to make their normal minimum monthly credit card payments that will be due April 26 or May 26. In an effort to assist our members with potential financial setbacks, the next monthly credit card payment will not be due until June 26. Additionally, effective with the June 26 due date, Arkansas Federal will be temporarily lowering the minimum monthly payment to 1.5% of the outstanding balance instead of the normal 2% minimum required payment. We know you recently received your April statement that indicated a minimum monthly payment, however, we are in the process of resetting the minimum payment to $0. No action is required to skip your April and May credit card payments. This is being done automatically for most credit card members.

Interest will continue to accrue during this time. If you choose not to pay off your credit card balance each month in full, you understand that in all cases interest will continue accruing on the outstanding balance at the interest rate designated in your agreement until your balance is paid in full, and that deferring a payment will have the result of increasing the total amount of interest owed.

NOTICE: If you have an Automatic Recurring ACH Payment Set Up, and you want to take advantage of the ability to skip the April and May payments, you will need to cancel or pause your automated payments.


We want to help! We are making it easy to skip or defer payments on consumer auto, home equity, and personal loan payments. To request a consumer loan payment deferral, please complete the online application here. If you need assistance completing the application, please call 800.456.3000.


If you need to request a mortgage payment forbearance / deferral, please complete the online application here. Before you get started, you will need to have some information prepared to make the process faster and easier. If you need assistance completing the application, please call 800.456.3000.


  • Names, contact information and the last four digits of both the borrower and co-borrower's social security number.
  • Property address
  • HOA/POA fee amounts, if applicable
  • Pre-tax income, including unemployment, taxable social security, pension, disability, rental, investment or insurance income for all borrowers.
  • Amount of non-retirement assets including cash on hand, checking, savings, money markets, CDs, stocks, and bonds for all borrowers.

Stimulus Check

Still expecting a stimulus check from the IRS? The government has begun to deposit economic stimulus payments to those with direct deposit set up with the IRS, but payments will be sent in waves, every week, for the next several weeks. We encourage you to visit the IRS FAQ page regularly for the most up-to-date information. The Consumer Financial Protection Bureau has also released a short video outlining what you need to do to receive your full Economic Impact Payments.

Branch & Banking Updates

Based on the President’s Coronavirus Guidelines for America on limiting exposure, we have decided to close all of our branch lobbies until further notice. We want to continue to ensure the safety of our team members while also taking care of our members, and we feel that closing our lobbies is the best way to help protect our teams and the most socially responsible measure to do our part in helping to slow the spread of COVID-19.

We recognize this may cause some inconvenience to you, and we do not make this decision lightly. However, we feel this is an important step for us to take in order to ensure the health of our employees and members. We will continue to keep you updated as the situation evolves over the coming days and weeks. Thank you for being a member of Arkansas Federal and trusting us with your finances!

Drive-Thrus Are Open

We will open additional lanes where possible and provide additional staffing to meet the increased traffic in the drive-thrus.

Call Center Open

Our call center is open 7 am to 7 pm to meet our members financial needs. Call 800.456.3000 to speak to a call center representative.

ATM Access

All ATMs at an Arkansas Federal branch are operational and ready to serve you. Through our ATM network members have access to 30,000 surcharge free ATMs. To find an ATM nearest you visit

Mobile App & Online Banking

Access your accounts and financial information without leaving your home or office with Mobile and Online Banking. Get started by enrolling for online banking or you may also call us at 800.456.3000. Once you’ve registered for Online Banking, you can begin to login to the mobile app. To download our mobile app, search for Arkansas FCU Mobile Banking in the Apple App Store or Google Play Store.

Loan Requests

You can apply for a loan online or apply over the phone. If you need assistance applying for a loan or have questions about an existing loan, please call us at 800.456.3000.

New Accounts

New customers can apply for membership online and members can apply for a new account online at or over the phone. If you need assistance opening a new membership or account, please call us at 800.456.3000.


Arkansas Federal remains financially strong and stable. The organization is well-positioned to be able to weather the economic downturn and is committed to working with all members who have been negatively impacted by the pandemic.


All deposits at Arkansas Federal Credit Union are insured by the National Credit Union Share Insurance Fund up to at least $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union. Additional information on NCUA share insurance coverage for consumers is available at In addition to the government-backed federal insurance, Arkansas Federal members are also covered by Excess Share Insurance for an additional $250,000 per individual depositor.