Make your money make money
Spend & Save
Earn more when you save - and even when you spend.
Want an easy way to make your money make money? Arkansas Federal has you covered. Check out our great rates on certificates, checking, money market accounts, and more!
Checking
Whether you’re opening your first checking account or want to 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. on your balance, we have an account for you. Regardless of which one you choose, you’ll have access to convenient features—pay bills, pay friends, move money, and more—all in one easy, time-saving app.
Certificates
Our certificates offer a great combination of stability along with some of the best rates around – as high as 4.15% APY APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rates are effective as of 04/12/2025 at 4.50% APY for 6 months and 4.15% APY for 13 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. 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.. Plus, enjoy peace of mind knowing your money is federally insured by NCUA. It’s an easy, no-stress way to watch your savings grow.
Money Market
Our Money Market Account allows you to earn more on your money than a traditional savings account, all while having access to your funds anytime. Earn as high as 1.55% APY APY is Annual Percentage Yield. Rates and terms are effective as of 05/31/2023. $2,500 minimum balance is required. Otherwise, a $15 monthly fee is assessed. Fees may reduce earnings. Offer subject to change. Certain exclusions may apply.. Plus, as your savings grow, you earn additional dividends.