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Fast Track Your Tax Refund


This year, have your tax refund directly deposited into your Arkansas Federal account and get it within a few weeks!1 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.2 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, Money Market, 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

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.2 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, 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. 6.00% APY applies to balances up to $10,000.00. Balances $10,000.01 or more earn 0.05% APY. Fees could 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 rate are subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required. on your balance just for doing the things you already do, like using your debit card. Spend, earn, enjoy. It’s that easy.

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Some of the best rates around — as high as 5.40% APY APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rates are effective as of 07/10/2024 at 5.40% APY for 7 months and 4.90% APY for 23 months and are subject to change. The rate shown is for amounts $1,000.00 to $999,999.99. 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. A $1,000.00 minimum deposit is required to open a share certificate account. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA. for just 6 months! It’s an easy, no-stress way to watch your savings grow.

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Money Market

Earn more on your money than with a traditional savings account, all while having access to your funds anytime.

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