Fourth Quarter 2026 Banner Newsletter

Catch up on what’s new in this quarter’s newsletter.

1. Enjoy 0% APR on new credit card purchasesNew Purchase Offer, Classic Low-Rate Card: Offer valid for eligible new accounts opened between October 1, 2026, and December 31, 2026. Eligible new purchases receive a 0% introductory APR for six (6) billing cycles beginning the date the account is opened. The introductory period begins on the account opening date, not the date the card is received, activated, or used. After the introductory period ends, any remaining promotional purchase balance and new purchases will accrue interest at the standard variable APR, which currently ranges from 9.50% to 18.00%, based on creditworthiness and market conditions related to the Prime Rate. Balance transfers and cash advances are not eligible for the introductory APR and will accrue interest at the standard variable APR from the transaction date. If the account becomes 60 or more days past due, Arkansas Federal reserves the right to end the introductory APR and begin charging interest at the standard variable APR. There is no annual fee; however, late payment fees may reach $40. A balance transfer fee of 3.00% of the total amount transferred applies to all balance transfers. A cash advance fee of 3.00% per transaction also applies. All loans, including credit cards, are subject to credit approval, and restrictions may apply. For complete card details, please refer to the Full Credit Card Account Agreement and Disclosures. Membership with Arkansas Federal Credit Union is required. Offer and rate advertised are subject to change without notice.  for six months when you open an eligible Arkansas Federal credit card.
2. Skip a loan payment with Skip PaySkip Pay: Skip Pay is available on eligible Arkansas Federal auto, personal, and recreational vehicle loans. A $35 fee applies for each skipped payment. Loan must be in good standing. Members may skip one payment per eligible loan per calendar year (January 1–December 31) and must wait at least six months between skipped payments on the same loan. Loans paid through immediate payroll deposit are not eligible. Mortgages, credit cards, home equity loans, and home equity lines of credit are not eligible. Interest will continue to accrue during the skipped payment period. Skipping a payment may extend the term of your loan and increase the total interest paid over the life of the loan.  and give your holiday budget a little extra breathing room.
3. Shop smart and stay safe with tips to protect your money and personal information from holiday scams.
4. Say hello to our new Springdale-Sunset branch and stop by to see us at 3681 W. Sunset Ave.
5. Keep checking simple with Everyday CheckingEveryday Checking: An initial opening deposit of $25 is required to open an Everyday Checking account. by signing up for eStatements, you can avoid the $3.00 monthly paper-statement fee. You may also qualify for a paper-statement fee waiver if you have a loan balance of $2,500 or more, a deposit balance of $5,000 or more, or if you are under 18 or 65 or older.  featuring no monthly maintenance fees and no minimum balance requirements.
6. Refi your ride and save by exploring options that could help lower your monthly car payment.
7. Grow your savings with a certificate offering competitive rates and guaranteed returns.
8. Plus: Personal loans, holiday closing dates, volunteer opportunities, and more.