Online Banking

Spend & Save

Earn more when you save - and even when you spend.

Which account is for you?

Curious about which account could be right for you? Take our quick quiz and we’ll help point you in the right direction.

Which account is for you?


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!

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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, 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, 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.

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Our certificates offer a great combination of stability along with some of the best rates around – as high as 5.00% APY APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rate is effective as of 02/02/2024 at 5.00% APY for 6 months and are subject to change. 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. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required.. 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.

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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.

Get Started Now. It's Easy!

We make it easy to get started. Have questions and want to talk? We're here for you.
Call us at 800.456.3000 or visit your local branch.

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