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
10.50
%
APR
APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 10.50% to 18.00% and is based on your creditworthiness and market conditions related to the Prime Rate. There is no annual fee; however, late payment fees may reach $40. The foreign transaction fee is 1.00%, and a balance transfer fee of 3.00% of the total amount applies. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. Please refer to the Full Credit Card Account Agreement and Disclosures for complete details.
%
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 spentAPR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.49% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. 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 applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
- $0 annual feeAPR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.49% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. 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 applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the 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 10.50% APR APR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 10.50% to 18.00% and is based on your creditworthiness and market conditions related to the Prime Rate. There is no annual fee; however, late payment fees may reach $40. The foreign transaction fee is 1.00%, and a balance transfer fee of 3.00% of the total amount applies. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. Please refer to the Full Credit Card Account Agreement and Disclosures for complete details.
- $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. As of 12/02/2024 the variable APR is 18.00% based on market conditions related to the Prime Rate. There is no annual fee; however, late payment fees may reach $40. The foreign transaction fee is 1.00%, and a balance transfer fee of 3.00% of the total amount applies. A cash advance fee of 3.00% per transaction also applies, and interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. Please refer to the Full Credit Card Account Agreement and Disclosures for complete details.
- 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 12.79% 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 12/02/2024, the standard variable APR is 12.79%-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 spentAPR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.74% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. 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 applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the Full Credit Card Account Agreement and Disclosures.
- $0 annual feeAPR is the Annual Percentage Rate. As of 12/02/2024, the variable APR ranges from 15.74% to 18.00%, based on your creditworthiness and market conditions related to the Prime Rate. 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 applies, as does a cash advance fee of 3.00% per transaction. Interest on cash advances will be charged at your standard APR from the transaction date. All loans, including credit cards, are subject to credit approval, and additional restrictions may apply. Membership with Arkansas Federal Credit Union is required. For complete details, please refer to the 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 .
