As low as 1.99% APR1 for the first six months.

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 5.25% APR. That's Prime minus 0.25%!

BENEFITS OF OUR HOME EQUITY LOAN

Borrow up to 95%1

You can borrow up to 95%1 of your home's value. Use that extra money for home improvements, to consolidate debt, or for education expenses.

Low Rates

Enjoy rates as low as 1.99% APR1 for the first 6 months. After your 6 month introductory rate, your variable home equity line of credit can be as low as 5.25% APR1.

$0 Application Fee

That’s a savings of $500! We also don't have an origination fee and unlike other lenders, we don’t charge ongoing or maintenance fees.

 

GET STARTED, IT’S EASY

We make it easy to get started. Have questions and want to talk? We’re here for you.
Call us at (833) 448-6326 or visit your local branch.

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How to use your Home Equity Loan

We’ve got loan options that allow you to use your home’s equity to help you pay for life’s big expenses.

HOME IMPROVEMENTS

Enjoy the upgrades while you live in your home, plus the value added if you decide to sell.

CONSOLIDATE DEBT

Home equity loans are usually lower rates, much lower than credit cards, because they are a secured loan.

EDUCATION

Manage tuition costs and education expenses that student loans may not cover.


FREQUENTLY ASKED QUESTIONS

What is it?

Home equity is the difference between how much you owe on your mortgage and how much your home is worth.

What about fees?

There’s no application fee - that’s a savings of $500! Plus is no no origination fee, and unlike other lenders, we don’t charge ongoing or maintenance fees.

What are my options?

For a limited time, Arkansas Federal is offering a special rate as low as 1.99% APR1 for home equity lines of credit for the first six months. After your 6-month introductory rate, your variable home equity line of credit can be as low as 5.25% APR1. That's Prime minus 0.25%!

Tax deductible?

You may be able to deduct the interest paid on your loan. Consult with your tax advisor regarding interest deductibility, as tax rules change.


Photo of Chole Cox

I enjoy being a member of Arkansas Federal because they are always helpful when I need something. I have had a positive experience working with Arkansas Federal because their customer service is spectacular.

— Chloe Cox


Disclosures:

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 May 15, the prime rate was 5.50%. Other terms, rates, and restrictions may apply. APR will not exceed 18% with a minimum rate of 4.00%. Existing HELOC customers refinancing within the past 24 months may be subject to penalty. Membership with Arkansas Federal Credit Union is required for this offer

2. Offer subject to change without notice; credit criteria applies. This offer is based upon an initial assessment that you met Arkansas Federal Credit Union credit standards. Loans are underwritten and offered through Arkansas Federal Credit Union. All loans are conditioned upon confirmation that you continue to meet these credit standards, as well as final credit and income verification and collateral review.