Routing Number: 282075028
Open to all Arkansans
Arkansas Federal Credit Union seeks to make a difference in the lives of our employees, customers and the communities we serve. As a not-for-profit financial institution, we invest our profits back into benefits for our members through high dividends and low loan rates. Join our 100,000+ members, and start enjoying our full-service financial institution with solutions for both consumers and businesses. No military or government affiliation is required. If you are an Arkansan, you eligible to become a member and start saving and earning more. #OpenToAllArkansans
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.
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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.
Needing space for family, Aaron Bunch and his wife were ready to trade in apartment living for a new home. Aaron knew the process could be exhausting.
“We had owned several homes in the past, so I was anxious about going through the whole process of getting a loan,” he said. “I had always worked with banks to secure the loan and while they did an adequate job, the process was always long and cumbersome. But we needed to get a house, so I was ready for the punishment.”
Thanks to a suggestion from his brother-in-law, Aaron reached out to Arkansas Federal Credit Union and loan officer Tery Young.
“I met with Tery and we got the ball rolling,” he said. “I must say I was pleasantly surprised at just how fast and easy the process played out. I submitted the documents needed and in no time, we were approved and ready to make an offer on a house.”
Aaron said Tery explained everything thoroughly and kept him informed every step of the way.
“She answered any questions and even made several helpful suggestions through the whole process,” he said. “I was very happy with the service and professionalism. Thus, it is without reservation or qualification that I highly recommend Arkansas Federal for all you loan needs.”
Mayflower, AR - 2017
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.”
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.”
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.”
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.”
Lowell, AR - 2016
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.”
Capitol Smokehouse - Little Rock - 2017