This offer is effective March 13, 2026, through July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to your Arkansas Federal Credit Union Low-Rate Classic credit card. This promotional offer is available for a limited time. Eligible balance transfers must be from non-Arkansas Federal Credit Union creditors and must be requested within the promotional period. Members may make multiple balance transfers during the promotion period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 9.50% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required.
Limited Time: 0% Balance TransferThis offer is effective March 13, 2026, through July 31, 2026, or within 30 days of account opening, whichever is later. A 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to an Arkansas Federal Credit Union credit card. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors. This promotional offer is available for a limited time. A balance transfer fee of 3.00% applies. Balance transfers do not earn rewards. New purchases accrue interest at the standard variable APR, which currently ranges from 9.50% to 18.00% on Low-Rate Classic cards and 14.49% to 18.00% on World cards, based on creditworthiness and market conditions related to the Prime Rate. After the promotional period, any remaining transferred balance will accrue interest at the standard variable APR. Terms, credit approval, and restrictions apply. Membership with Arkansas Federal is required.
Why pay more than you have to? Move your high-rate credit card balance(s) to an Arkansas Federal Low-Rate Credit Card or Cash Back Credit Card and take advantage of 0% APR for 18 monthsThis offer is effective March 13, 2026, through July 31, 2026, or within 30 days of account opening, whichever is later. A 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to an Arkansas Federal Credit Union credit card. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors. This promotional offer is available for a limited time. A balance transfer fee of 3.00% applies. Balance transfers do not earn rewards. New purchases accrue interest at the standard variable APR, which currently ranges from 9.50% to 18.00% on Low-Rate Classic cards and 14.49% to 18.00% on World cards, based on creditworthiness and market conditions related to the Prime Rate. After the promotional period, any remaining transferred balance will accrue interest at the standard variable APR. Terms, credit approval, and restrictions apply. Membership with Arkansas Federal is required.
on eligible transfers—so more of your payment goes toward your balance, not interest.
2% Cash Back Card
Perfect for those with established credit, this card lets you earn 2% cash back on every dollar spent3—no categories, no restrictions, and no earning limits.
Looking for a low-rate card? The Everyday Low-Rate Card offers an APR as low as
9.50%
APRThis offer is effective March 13, 2026, through July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to your Arkansas Federal Credit Union Low-Rate Classic credit card. This promotional offer is available for a limited time. Eligible balance transfers must be from non-Arkansas Federal Credit Union creditors and must be requested within the promotional period. Members may make multiple balance transfers during the promotion period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 9.50% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required. , making it a smart choice for everyday savings.
Designed for first-time cardholders and those looking to boost their credit. Plus, you’ll benefit from monthly updates to all three major credit bureaus.
Going cashless with a digital wallet and tap-to-pay is super easy and convenient! Just store your payment info on your smartphone and you’re ready to go—tap your device at a contactless terminal to complete your purchase in seconds. Plus, you get perks like tracking your spending and added security.
as low as
14.49%
APRThis offer is effective March 13, 2026, through July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to your Arkansas Federal Credit Union World credit card. This promotional offer is available for a limited time. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors and must be requested within the promotional period. Members may make multiple balance transfers during the promotion period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. Balance transfers do not earn rewards, including the 2.00% cash back available on purchases. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. After the 18 billing cycles, any transferred balance not paid in full will accrue interest at the standard variable APR. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required.
as low as
9.50%
APRThis offer is effective March 13, 2026, through July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to your Arkansas Federal Credit Union Low-Rate Classic credit card. This promotional offer is available for a limited time. Eligible balance transfers must be from non-Arkansas Federal Credit Union creditors and must be requested within the promotional period. Members may make multiple balance transfers during the promotion period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 9.50% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required.
18.00%
APRAs of 02/02/2026 the variable APR is 18.00% based on market conditions related to the Prime Rate. There is no annual fee; however, late payment fees may reach $40. The foreign transaction fee is 1.00%, and a balance transfer fee of 3.00% of the total amount applies. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. Please refer to the Full Credit Card Account Agreement and Disclosures for complete details.
as low as
14.49%
APRThis offer is effective March 13, 2026, through July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to your Arkansas Federal Credit Union World credit card. This promotional offer is available for a limited time. Eligible balance transfers must be from non–Arkansas Federal Credit Union creditors and must be requested within the promotional period. Members may make multiple balance transfers during the promotion period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. Balance transfers do not earn rewards, including the 2.00% cash back available on purchases. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 14.49% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. After the 18 billing cycles, any transferred balance not paid in full will accrue interest at the standard variable APR. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required.
as low as
9.50%
APRThis offer is effective March 13, 2026, through July 31, 2026, or within 30 days of account opening, whichever is later. 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to your Arkansas Federal Credit Union Low-Rate Classic credit card. This promotional offer is available for a limited time. Eligible balance transfers must be from non-Arkansas Federal Credit Union creditors and must be requested within the promotional period. Members may make multiple balance transfers during the promotion period. Each eligible balance transfer will receive 0% introductory APR for 18 billing cycles from the date the transfer is posted to the account. Balance transfer requests cannot exceed your available credit limit. Balance transfers are subject to credit approval and available credit limits. Unless otherwise stipulated by underwriting, once the balance transfer request is approved, the balance transfer amount will be deposited into the Arkansas Federal checking or savings account they select, and the member is responsible for paying off the balance with the other creditor. A balance transfer fee of 3.00% of the total amount transferred applies. New purchases are not eligible for the promotional APR and will accrue interest at the standard variable APR, which currently ranges from 9.50% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the promotional APR and begin charging interest at the standard variable APR. There is no annual fee; however, late payment fees may reach $40. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at the standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required.
18.00%
APRAs of 02/02/2026 the variable APR is 18.00% based on market conditions related to the Prime Rate. There is no annual fee; however, late payment fees may reach $40. The foreign transaction fee is 1.00%, and a balance transfer fee of 3.00% of the total amount applies. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. Please refer to the Full Credit Card Account Agreement and Disclosures for complete details.
What’s the difference between the credit cards Arkansas Federal offers?
Arkansas Federal offers cards for both individuals and businesses. The Everyday Low-Rate and Business Low-Rate Cards feature some of the lowest interest rates available. The 2% Cash Back and Business 2% Cash Back Cards earn 2% cash back on every purchase, with lower rates than most national cards. We also offer a Secured Credit Card to help build or rebuild credit.
Do the credit cards have any fees?
None of Arkansas Federal’s credit cards charge an annual fee, but you may be charged a late fee if a payment is not made on time. A cash advance fee may also apply when using your credit card to withdraw cash.
How do I decide which credit card is right for me?
Every card comes with different benefits, and every cardholder will want something different out of their card. If you’re looking to earn rewards, the 2% cash back card is a good option, while the secured credit card is a good fit for someone looking to improve their credit score. If you want a basic credit card with an everyday low rate, the low-rate credit card might be best for you. Both the low-rate business card and 2% cash back business card are good fits for those looking for a card specifically for their business.
How can I avoid fees or interest charges?
Pay your full statement balance by the due date each month to avoid interest charges and late fees.
How does a credit card impact my credit score?
Opening a new account can cause a small temporary dip, but maintaining good credit behaviors should help bring it back up. Using your card responsibly by making on-time payments, keeping your balance low relative to your credit limit, and avoiding opening too many accounts at once can have a positive impact on your credit score.
How do I manage my credit card?
You can make payments, view your balance, monitor your credit score and more with 24/7 Digital Banking on the Arkansas Federal app.
Need an easy way to save while streamlining your business expenses? Look no further. Our business credit cards offer two amazing options: cash back or a great everyday low rate.
