Understanding Credit Card Rates
Understanding credit card rates is can help you meet your financial goals and boost your credit score.
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Enjoy rates
as low as
11.25
%
APR
APR is Annual Percentage Rate. No annual fee. Cash Advance fee = 3.00% per transaction. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of transaction. Offer subject to change without notice and may end at any time. Foreign transaction fee for the Platinum Classic Mastercard and Platinum Secure Mastercard is 1.00%. As of 9/02/2023, the standard variable APR for the Platinum Classic Mastercard is 11.25% -- 18.00%. This rate is variable and subject to change. Balance transfer and cash advance fees are subject to transaction fee of 3.00% of total transaction amount. Full Credit Card Account Agreement and Disclosures. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required.
%
APR
Low Rates. Great Perks.
2% Cash Back Card
Best if you have established credit, want to earn cash back, and enjoy premium travel benefits.
- Earn 2% cash back for every dollar spentEarn 2 points for every $1 spent on purchases. Points may be redeemed for cash back equal to 2.00%. Cash advances and Balance Transfers do not earn points. No annual fee. Balance transfer and cash advance fees are subject to transaction fee of 3.00% of total transaction amount. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer subject to change without notice and may end at any time. As of 9/02/2023, the standard variable rate is 16.24%– 18.00%. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures.
- $0 annual feeEarn 2 points for every $1 spent on purchases. Points may be redeemed for cash back equal to 2.00%. Cash advances and Balance Transfers do not earn points. No annual fee. Balance transfer and cash advance fees are subject to transaction fee of 3.00% of total transaction amount. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer subject to change without notice and may end at any time. As of 9/02/2023, the standard variable rate is 16.24%– 18.00%. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures.
- Plus, you’ll have access to My Cards, Authorized User, and other built-in Mastercard® benefits
Low-Rate Card
Ideal for those who want an everyday low rate – as low as 11.25% APR APR is Annual Percentage Rate. No annual fee. Cash Advance fee = 3.00% per transaction. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of transaction. Offer subject to change without notice and may end at any time. Foreign transaction fee for the Platinum Classic Mastercard and Platinum Secure Mastercard is 1.00%. As of 9/02/2023, the standard variable APR for the Platinum Classic Mastercard is 11.25% -- 18.00%. This rate is variable and subject to change. Balance transfer and cash advance fees are subject to transaction fee of 3.00% of total transaction amount. Full Credit Card Account Agreement and Disclosures. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required.
- $0 annual fee1
- Plus, you’ll have access to My Cards, Authorized User, and other built-in Mastercard® benefits
Credit Builder Card
A great card if you want to build your credit.
- $0 annual feeAPR is the Annual Percentage Rate. Platinum Secure Mastercard. No annual fee. Cash Advance fee is 3.00% per transaction. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer subject to change without notice and may end at any time. As of 9/02/2023, the standard variable APR is 18.00%. Foreign transaction fee is 1.00%. All loans are subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures.
- Plus, you’ll have access to My Cards, Authorized User, and other built-in Mastercard® benefits
Business Low-Rate Card
Perfect for businesses seeking an everyday low rate – as low as 13.54% APR APR is Annual Percentage Rate. No annual fee and no balance transfer fee. Cash Advance fee = 5% per transaction. Overdraft transfer fee = $3 per transfer. Foreign transaction fee = 1%. Late payment fee up to $40. Interest on cash advances and overdraft transfers will be charged at the business member’s standard APR on balance from the transaction date. As of 9/02/2023, the standard variable APR is 13.54%-18.00%. Offer subject to change without notice and may end at any time. Subject to credit approval.
- $0 annual fee5
- Access to My Cards, Authorized User, and other built-in Mastercard®️ benefits
Business 2% Cash Back Card
Ideal for established businesses looking to earn on every purchase.
- Earn 2% cash back for every dollar spentEarn 2 points for every dollar spent on purchases. Points may be redeemed for cash back equal to 2.00%. Cash advances and Balance Transfers do not earn points. No annual fee. Balance transfer and cash advance fees are subject to a transaction fee of 3.00% of the total transaction amount. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer is subject to change without notice and may end at any time. As of 3/11/2024, the standard variable rate is 16.49% – 18.00% APR (Annual Percentage Rate) and the prime is 8.50% APR. The rate is always prime + Arkansas Federal’s margin. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures.
- $0 annual feeEarn 2 points for every dollar spent on purchases. Points may be redeemed for cash back equal to 2.00%. Cash advances and Balance Transfers do not earn points. No annual fee. Balance transfer and cash advance fees are subject to a transaction fee of 3.00% of the total transaction amount. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer is subject to change without notice and may end at any time. As of 3/11/2024, the standard variable rate is 16.49% – 18.00% APR (Annual Percentage Rate) and the prime is 8.50% APR. The rate is always prime + Arkansas Federal’s margin. All loans subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures.
- Access to My Cards, Authorized User, and other built-in Mastercard®️ benefits
Go Cashless
When you add Apple Pay, Google Pay or Samsung Pay to your credit or debit card, you not only save time at checkout, your payments are safer. Click the logos below for information on how to get started.
Frequently Asked Questions
What’s the difference between the credit cards Arkansas Federal offers?
The everyday low-rate and the 2% cash back credit cards are both designed for individual consumers, while the business low-rate and business 2% cash back cards are meant for businesses. The everyday low-rate and business low-rate cards each feature one of the lowest credit card interest rates in the country, while you can earn cash back on the 2% cash back and business 2% cash back cards. Both cash back cards also offer lower interest rates than most national credit cards. Arkansas Federal also offers a secured credit card to help you build credit.
Do the credit cards have any fees?
None of Arkansas Federal’s credit cards charge an annual fee, but you may be charged a late fee if a payment is not made on time. A cash advance fee may also apply when using your credit card to withdraw cash.
How do I decide which credit card is right for me?
Every card comes with different benefits, and every cardholder will want something different out of their card. If you’re looking to earn rewards, the 2% cash back card is a good option, while the secured credit card is a good fit for someone looking to improve their credit score. If you want a basic credit card with an everyday low rate, the low-rate credit card might be best for you. Both the low-rate business card and 2% cash back business card are good fits for those looking for a card specifically for their business.
How can I avoid fees or interest charges?
Pay your full statement balance by the due date each month to avoid interest charges and late fees.
How does a credit card impact my credit score?
Opening a new account can cause a small temporary dip, but maintaining good credit behaviors should help bring it back up. Using your card responsibly by making on-time payments, keeping your balance low relative to your credit limit, and avoiding opening too many accounts at once can have a positive impact on your credit score.
How do I manage my credit card?
You can make payments, view your balance, monitor your credit score and more with 24/7 Digital Banking on the Arkansas Federal app.
How do I apply?
You can apply for any of Arkansas Federal’s credit cards in a few minutes online or by visiting your nearest branch .
