Rates as low as 2.50%
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Routing Number: 282075028

Home Refinance


Interested in refinancing your home loan? Great news, rates are dropping! But hurry. Rates won’t stay this low for long.

Refinancing your home is a great option if you can lower your interest rate or if the value of your home has increased. Refinancing can be a helpful tool for home improvement, debt consolidation, or simply lowering your monthly payment.

Why Refinance?

Save money

Refinance to a lower rate. You could lower your payment or shorten your term.

Pay it off faster

With a shorter term loan, you pay less interest and become debt-free sooner.

Cash out

Access your home equity to pay for renovation projects. As the value of your home rises, you can tap into your equity through a cash-out refi.

Benefits of our Home Refinance

Seize this opportunity to refinance with Arkansas Federal Credit Union and get these special benefits:

Origination Fee Waived

An average savings of $1,700 on eligible refi's.2

Up to 95% Financing

Compared to other banks which typically will only offer refi up to 85% of your home’s value.

Low Rates

Get the lowest rate and start saving today.


Apply online in under 20 minutes. There’s no cost to get pre-qualified. Have questions?
Call us at (800) 456-3000 or visit your local branch.

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


1. APR is Annual Percentage Rate. Mortgage rates are valid on a 15-year fixed rate loan as of 04/20/2021. Interest rates quoted assumes a 95% loan-to-value (LTV) and a minimum credit score of 740. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, credit history, and the location and type of property. Offer subject to change without notice. Restrictions may apply. Membership with Arkansas Federal Credit Union is required for this offer. Average closing costs are 3% of total loan amount.

2. On eligible mortgages, borrower may have the 1% origination fee waived; however, this will increase the overall interest rate of the loan. Offer subject to change without notice. Subject to credit approval. Restrictions may apply. Membership with Arkansas Federal Credit Union is required for this offer.