Routing Number: 282075028

Open to all Arkansans

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Arkansas Federal Credit Union is your local, member-owned financial cooperative. Let us show you how we Make a Difference in the lives of our employees, members and the communities we serve. And because we aren't a bank, we don't give our profits to share holders. We are owned by our members. We invest our profits back into benefits for our member owners through high dividend and low loan rates. 

But don't take our word for it. Our members, which are 100,000 + and growing daily, say it best in the member testimonials below.

Ready? It's easy to join.

No military or government affiliation is needed. If you are an Arkansan, then you are eligible to join and become a member owner. We also have more than 700 groups including employers, religious organizations, unions, and all types of organizations that can make you eligible for membership even if you aren't a resident of Arkansas. And if you have a family member who is already a member, then you are eligible to join too. 

Three easy ways to join. Join online. Call (800) 456-3000. Or visit a local branch.

Hear From our Members

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See What our Members are Saying

As a first-time home buyer, Chloe Cox was anxious about the mortgage process. Having financed her car through Arkansas Federal Credit Union, she knew where she needed to look first for her home loan.

Mortgage loan officer Debbie Wilmarth eased her through the process. “I was extremely nervous because I had never gone through the process before, but she was there for me every step of the way,” Chloe said. “She made sure to check in with me occasionally and was quick to answer any questions that I had.”

“When things out of Chloe’s control threatened to postpone the closing, Debbie worked to make sure the closing went off without a hitch and was even there with her at the closing. “I don't know what I would have done without her; she was very knowledgeable, approachable and easy to work with,” Chloe said.

“Chloe knows that Debbie and other employees of Arkansas Federal go out of their way for members, and that distinguishes it from other institutions.

“I enjoy being a member of Arkansas Federal because they are always helpful when I need something,” she said. “If someone doesn't know the answer, they will work until they find someone who does know the answer to my questions. I have had a positive experience working with Arkansas Federal because their customer service is spectacular.”


Chole Cox

Sherwood, AR - 2015

Longtime Arkansas Federal Credit Union members Cathy and Michael Christian are proud repeat customers. They’ve financed two home loans, two auto loans, and they maintain a savings account through Arkansas Federal. The couple recently closed on a second home loan. The Christians were so satisfied with the first one and the good interest rate that came with it, sticking with Arkansas Federal for their second home loan seemed like a no-brainer. Now the Christians have a 15/15 adjustable rate mortgage with an interest rate they believe is lower than would’ve been available at a bigger bank or financial institution.

Exceptional customer service is an emphasis at Arkansas Federal, and loan consultant Debbie Wilmarth made sure the process through this latest one was a no-hassle journey. “Debbie is very knowledgeable, easy to work with and gave us personal attention,” Cathy said. “When I had questions, she got right back to me.”

The Christians trust their mortgage will stay at Arkansas Federal, and that’s important to them. When they bought their first house in 2003, they went through a mortgage company. Cathy said the loan got sold three times in a year. In fact, trust in Arkansas Federal is never an issue in any capacity for the Christians. “With Arkansas Federal, when I have questions, I can always get answers,” Cathy said. “No matter what, they’re always friendly. I’ve never had any problems with my accounts. I continue to trust Arkansas Federal and recommend them all the time.”


Cathy Christian

Russellville, AR - 2010

When it came time to shop for a mortgage, longtime Arkansas Federal member Robyn Spence’s first step was an obvious one. “I had been divorced for two years, so I was very apprehensive about the idea of making such a large investment on my own,” she said. “I went to the Arkansas Federal website and searched for information on home mortgages.” From there, she reached out to loan officer Tery Young, and her journey to home ownership was underway. Although home buying can represent a stressful time, Robyn experienced a worry-free process through Arkansas Federal and even emerged from it with little out-of-pocket expense.

“Tery was absolutely fabulous from the very beginning,” she said. “She answered every one of my questions promptly. Her expertise put me at ease throughout the entire process.” Tery even came to the closing with a housewarming basket.

“It included a bluetooth speaker,” Robyn said. “Every morning when I listen to music while getting ready for work, I smile knowing that I found the exact right house at the exact right time.” 

Robyn notes that while Arkansas Federal was always the preferred provider for her mortgage, she did compare rates at other institutions. “Arkansas Federal was the lowest,” she said. “I was really happy because I didn't want to use anyone other than Arkansas Federal.”


Robyn Spence

Bryant, AR - 1998

After not getting the help he needed with a home loan from another credit union, Devin Sims found Arkansas Federal Credit Union. His financial portfolio is all the better because he did. While helping with his home purchase, loan officers at Arkansas Federal’s Rogers location devised a plan to help Devin not only buy a house but consolidate debt and save money.

“My previous bank never would have gone through the trouble,” he said. In addition to his home loan, Devin moved his checking and savings accounts to Arkansas Federal, refinanced his car at Arkansas Federal, and received a home equity line of credit at Arkansas Federal.

The Rogers fireman packed a lot into his first three years as an Arkansas Federal member. “Arkansas Federal is very friendly, and its employees really get to know you on a first name basis,” Devin said. “They have patience and will help you figure out a loan to fit your needs.”


Devin Sims

Lowell, AR - 2016

Word of mouth led Valerie Pickens to Arkansas Federal Credit Union; its better rates and customer service kept her coming back to do more business. A member since 2007, Valerie began with a savings account and has since secured two personal loans, a car loan, a low-interest credit card and a home loan through Arkansas Federal.

“Besides the location which is conveniently located close to my job, I really love how everyone is so friendly and willing to help with my banking needs,” she said.

“Concerned about her credit rating after a divorce, Valerie found Arkansas Federal as helpful as ever with personal loans and a mortgage.

“Because I was a member, they worked with me on my personal loans with affordable payments.” Valerie was comfortable expressing her needs and concerns with the mortgage professionals at Arkansas Federal.

“What should have taken one hour took three because I had a lot of questions,” Valerie said. “Tery was very professional, kind and patient with me. She walked me through the entire process and was even present on my closing day. I am very thankful I listened and chose Arkansas Federal for all my banking needs.”


Valerie Pickens

Bryant, AR - 2008

Shannon and Brooks Tipton built their business, Electric Ghost, “out of nothing.”

A recommendation from Brooks’ grandmother led them to Arkansas Federal Credit Union, which provided the working capital necessary to keep the Tiptons’ screen-printing/home décor business growing and thriving. Born in Brooks’ apartment, the business moved to borrowed warehouse space in downtown Little Rock before finding the dedicated retail space it now calls home on Main Street.

“When we took the leap from a warehouse space on my dad’s property to our new space, we needed to upgrade equipment and staff,” Brooks said. “Once we were in the space for about a year and growing at a rapid rate, we needed some working capital. Arkansas Federal was our first choice and has been very helpful along the way. We have a personal connection with the good people at Arkansas Federal and can see that we made the right choice.”

Electric Ghost isn’t your typical business, and Brooks isn’t your typical business owner. He runs the screen-printing side of the business when he’s not touring with indie rock band Manchester Orchestra. Shannon runs the home décor side, which includes tropical plants, succulents and cacti. In the “plant lab,” customers can pot their own plants.

“This side of our business shows off our personality and interest in unique ways to have a hands-on experience and bring life to our customers’ homes and offices,” Brooks said.

Electric Ghost began out of necessity during the housing-market crashed of 2008. “I was working construction at the time and needed to supplement my income from the local bands that I was touring with,” Brooks said. “I learned screen printing from a friend and started making shirts for our bands to sell on the road.”

The unique screen-printing/home décor shop currently has nine employees on staff and has grown each year since its inception in 2009. Brooks gives Arkansas Federal much of the credit for that growth. “It truly does take a village to grow a small business and develop it into a success,” Brooks said. “Arkansas Federal has helped us out in ways that allowed us to keep our focus on the vision for our business. I like the community-driven, local aspect of using Arkansas Federal. I feel like I’m dealing with real people who know who I am and are genuinely excited to see our small business grow here in this progressive community.”


Shannon and Brooks Tipton

Electric Ghost - Little Rock - September 2017

Capitol Smokehouse in downtown Little Rock dishes out some of the city’s best barbecue along with special, home-style lunch plates that attract government and corporate workers throughout the city’s central business district.

And lunch carries the restaurant, opened in 2008 by Candy Wilkerson and her late husband, Doug. Open Monday through Friday from 11-2 and located just three blocks from the state capitol, downtown workers and state government employees flock to the Smokehouse for lunch.

Just as downtown pedestrians sometime end up at the Smokehouse after starting out with another destination in mind, so the Wilkersons came to Arkansas Federal. They opened the business with the help of Roane Ashmore at another local bank, and when Roane left to join the Arkansas federal team, he recruited them to make the move as well.

They were happy to follow him, and even happier by what they found at Arkansas Federal. Roane refinanced their business loan at Arkansas Federal and got them a better rate. Now Candy does all her banking – business and personal – at Arkansas Federal.

“We had a good, solid relationship with Roane,” she said. “We knew he would take care of us. He’s always been straight forward with me.”

As he was about the deal he could provide at Arkansas Federal. And there’s a big cherry on top -- Arkansas Federal’s downtown office is located just down the street from Capitol Smokehouse. Candy can step outside her door and see it.

“Location-wise, Arkansas Federal is really convenient,” she said. “And how it goes above and beyond for its customers really surprised me.”


Candy Wilkerson

Capitol Smokehouse - Little Rock - 2017