Credit Cards

Limited Time: 0% APR on Purchases

Whether you’re checking off your holiday list, planning a big purchase, or covering everyday expenses, enjoy 0% APR on new purchases for 6 months with an Arkansas Federal Low-Rate or Cash Back Credit Card. After that, variable APRs range from 9.50%–18.00%New 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 Low Rate and 14.49%–18.00%New Purchase Offer, World Cash Back 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 on 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 14.49% to 18.00%. Balance transfers and cash advances are not eligible for the introductory APR and will accrue interest at the standard 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 APR. You can earn 2 points for every $1 spent on purchases, which may be redeemed for cash back equal to 2.00% on the uChoose Rewards site. 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 additional 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 Cash Back.