Routing Number: 282075028

Home Equity Loans

For a limited time, Arkansas Federal is offering a special rate as low as 1.99% APR1 for home equity loans for the first six months. After your 6-month introductory rate, your variable home equity can be as low as 4.75% APR. That's Prime minus 0.25%!

Our affordable 10/10 Home Equity Line of Credit puts vacations, tuition or even that gourmet kitchen in reach. Your equity you have built up in your home is also an economical way to pay down debt - especially credit cards with high interest. We make it easy to use your equity, allowing members to borrow up to 95% of their home's value.

Whether you prefer to call, click or visit in person, we make getting your HELOC as simple as possible.  Plus, there's still NO application fee! That's a savings of $500 so there's no reason not to see how much equity you have to help you bring your "someday" plans to life now!

We're here for your home insurance2 needs, too.  Check out our current insurance options through Arkansas Federal Insurance Solutions.

Apply Now

Have questions? Visit one of our branches, or call 800-456-3000 and speak with one of our loan specialists.

Not a member? No problem. All Arkansans are eligible to join and start taking advantage of our friendly, local staff, low rates, and neighborhood service centers.


1. APR = Annual Percent Rate. Subject to credit approval. Offer subject to change. Restrictions may apply. Home Equity Line of Credit: Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. The minimum monthly payment may change as a result of this rate change. Contact the credit union for more details. Introductory Rate: Introductory rate available for six months after the loan is funded. At the beginning of the seventh month, your regular rate will go into effect. As of June 14, the prime rate was 5.00. Other terms, rates, and restrictions may apply. APR will not exceed 18% with a minimum rate of 4.00%. Existing Arkansas Federal home equity lines/mortgage loans are not eligible for refinance with this promotion.

2. Investments/Insurance/Warranties: Not NCUA Insured • Not Credit Union Issued, Guaranteed or Underwritten • May Lose Value