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Fast Track Your Tax Refund

2/19/2026

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This year, have your tax refund directly deposited into your Arkansas Federal account and get it within a few weeks!According to irs.gov, once IRS receives a correct return, most refunds are issued in less than 21 calendar days—sometimes sooner for those who file electronically and have direct deposit set up. Actual payment dates may vary and will take 4-6 weeks for those who file by paper. For details, visit https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions According to the IRS, it’s the fastest way to get your money. Not only is it fast, but it’s free to set up. Plus, when you have direct deposit go to an Arkansas Federal Credit Union account, you can get it up to two days even earlier with Early Pay.Direct deposit and earlier availability of funds in your Arkansas Federal account are subject to your employer/payer, or benefit provider’s funding. Actual payment dates may vary. Keep reading to find out how.

So why wait longer than you have to?

Here’s what you need:

When you file your federal and state taxes, select direct deposit as your refund method, then type your Arkansas Federal account number and routing number. Make sure you enter the information carefully to avoid errors or delays.

Choose 1, 2, or 3 accounts

When filing, you can also choose to have your return split and deposited into as many as three different accounts, but it doesn’t mean you have to select that many.

Make it grow

Sure, you can place your refund into your Everyday Checking account, but why not make it grow by depositing it into a high-yield Elite Checking, Premium Checking or Certificate account? Return rates are excellent right now, so it’s a great option.

Keep an eye on it

You can track the status of your refund anytime with the Where’s My Refund Tool on IRS.gov.

Get your paycheck early, too, with Early Pay 

Don’t stop at just your tax refund—get your paycheck early, too! Seriously. Arkansas Federal members who have direct deposit set up through their employer get paid up to two days early with Early Pay.Direct deposit and earlier availability of funds in your Arkansas Federal account are subject to your employer/payer, or benefit provider’s funding. Actual payment dates may vary. And it’s not limited to just paychecks. This even works for benefits like social security, pensions, and Veteran’s benefits. It’s a free service and easy to set up.

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High-Yield Checking

Earn as high as 6.00% APY APY is the Annual Percentage Yield. Elite Checking is a tiered rate variable product. The rate is effective as of 09/01/2023. To qualify for the 6.00% APY, the member must have a monthly direct deposit of at least $1,000 going to their Elite Checking, be enrolled in eStatements, be in good standing, and complete 15 monthly transactions of at least $10 each by using their debit card tied to the account. The 15 required transactions must post to the account within the calendar month to receive earnings. When all requirements are met, 6.00% APY applies to balances up to $10,000.00, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500.00. Only one Elite Checking or Premium Checking account per member is allowed. Offer and rates are subject to change. Exclusions may apply. Refer to the rate sheet for full details. Membership with Arkansas Federal Credit Union is required. or as high as 4.00% APY APY is Annual Percentage Yield. Premium Checking is a tiered rate variable product. The rate is effective as of 5/31/2023. To qualify for the 4.00% APY, the member must be in good standing and complete 10 monthly transactions of at least $1 each, defined as ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks within the calendar month to receive earnings. Zelle® transactions currently do not count as a qualified transaction. Current inactive accounts can qualify for this offer by meeting the same criteria. When all requirements are met, 4.00% APY applies to balances up to $10,000, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500. Offer and rates are subject to change. Exclusions may apply. Refer to the rate sheet for full details. Membership with Arkansas Federal Credit Union is required. on your balance—simply by doing what you already do. Spend, earn, and watch your money grow. It’s that easy!

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Certificates

Some of the best rates around — 3.85% APY APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. A $1,000.00 minimum deposit is required to open a share certificate account. Certificate rates are effective as of 12/15/2025 and include: 3.85% APY for 6 months; 3.64% APY for 12 months; 3.57% APY for 24 months; 3.60% for 36 months; 3.63% for 48 months; and 3.65% for 60 months. Offer and rate are subject to change. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA.! It’s an easy, no-stress way to watch your savings grow.

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Money Market

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