Arkansas Federal Credit Union is your local, member-owned financial cooperative. Let us show you how we Make a Difference in the lives of our employees, members and the communities we serve. And because we aren't a bank, we don't give our profits to share holders. We are owned by our members. We invest our profits back into benefits for our member owners through high dividend and low loan rates.
No military or government affiliation is needed. If you are an Arkansan, then you are eligible to join and become a member owner. We also have more than 700 groups including employers, religious organizations, unions, and all types of organizations that can make you eligible for membership even if you aren't a resident of Arkansas. And if you have a family member who is already a member, then you are eligible to join too.
Once you become a member, you’re always a member!
If you do not see an option that applies to you, please visit one of our branches or contact us at 1-800-456-3000 for additional ways to join.
Select your eligibility
Live,Work,Worship
Select
Employer
Employer
Associational Group
Member
Student
Student
A family/household member of applicant is currently a member at Arkansas Federal Credit Union. Please enter the name of this peron and their relationship.
NameRelationship
All Arkansas residents are now eligible for membership through our partnership with the American Consumer Council. Please visit https://www.americanconsumercouncil.org/ for more information.
With an opening deposit of as little as $5, your Share Savings account makes you a member, and reflects your "owner's share" of the credit union. Once you become a member, members of your family are eligible to open an account too.
APY: 0.01%
Min Deposit: $5.00
Select additional products
Select product(s)
Rewards Checking
Show more...
APY: 0.00%
Min Deposit: $25.00
Rewards Plus Checking
Show more...
Max APY: 2.30%
Min Deposit: $25.00
Rewards Limited Checking
Show more...
APY: 0.00%
Member Freedom Money Fund
Show more...
Max APY: 0.25%
Min Deposit: $0.00
Personal Savings
Show more...
APY: 0.01%
Min Deposit: $25.00
Money Market
Show more...
Max APY: 2.01%
Min Deposit: $0.00
7 Month Certificate Special
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
To qualify for 2.15% APY on the 7-month certificate, you must have an active checking account or fund the account with “new money.”
APY: 2.15%
3-5 Month Certificate
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
Max APY: 1.15%
Min Deposit: $0.00
6-11 Month Certificate
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
Max APY: 1.50%
Min Deposit: $1,000.00
12-23 Month Certificate
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
Max APY: 1.55%
Min Deposit: $1,000.00
24-35 Month Certificate
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
Max APY: 1.75%
Min Deposit: $1,000.00
36-47 Month Certificate
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
Max APY: 2.00%
Min Deposit: $1,000.00
48-59 Month Certificate
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
Max APY: 2.15%
Min Deposit: $1,000.00
60-71 Month Certificate
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
Max APY: 2.20%
Min Deposit: $1,000.00
72-83 Month Certificate
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
Max APY: 2.30%
Min Deposit: $1,000.00
84 Plus Month Certificate
Make your savings dreams come true and earn more when you invest in a certificate with Arkansas Federal Credit Union.
Note: some of the selected products may have been preselected by your financial institution. Please review the list carefully and confirm the choices by clicking Continue.
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
0.25%
0.25%
$25,000.00
$25.00
N/A
0.25%
0.25%
$50,000.00
$25.00
N/A
0.25%
0.25%
$100,000.00
$25.00
N/A
2.28%
2.30%
$0.01
$25.00
N/A
2.28%
2.30%
$2,500.00
$25.00
N/A
Dividend Rate(s)
0.25%
APY:
0.25%
Minimum Balance:
$25,000.00
Min Deposit:
$25.00
Dividend Rate(s)
0.25%
APY:
0.25%
Minimum Balance:
$50,000.00
Min Deposit:
$25.00
Dividend Rate(s)
0.25%
APY:
0.25%
Minimum Balance:
$100,000.00
Min Deposit:
$25.00
Dividend Rate(s)
2.28%
APY:
2.30%
Minimum Balance:
$0.01
Min Deposit:
$25.00
Dividend Rate(s)
2.28%
APY:
2.30%
Minimum Balance:
$2,500.00
Min Deposit:
$25.00
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
$0.00
$0.00
N/A
0.10%
0.10%
$1,000.00
$0.00
N/A
0.10%
0.10%
$5,000.00
$0.00
N/A
0.25%
0.25%
$10,000.00
$0.00
N/A
0.25%
0.25%
$25,000.00
$0.00
N/A
0.25%
0.25%
$50,000.00
$0.00
N/A
0.25%
0.25%
$100,000.00
$0.00
N/A
Dividend Rate(s)
0.00%
APY:
0.00%
Minimum Balance:
$0.00
Dividend Rate(s)
0.10%
APY:
0.10%
Minimum Balance:
$1,000.00
Dividend Rate(s)
0.10%
APY:
0.10%
Minimum Balance:
$5,000.00
Dividend Rate(s)
0.25%
APY:
0.25%
Minimum Balance:
$10,000.00
Dividend Rate(s)
0.25%
APY:
0.25%
Minimum Balance:
$25,000.00
Dividend Rate(s)
0.25%
APY:
0.25%
Minimum Balance:
$50,000.00
Dividend Rate(s)
0.25%
APY:
0.25%
Minimum Balance:
$100,000.00
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
1.00%
1.00%
$0.01
$0.00
N/A
1.00%
1.00%
$1,000.00
$0.00
N/A
1.00%
1.00%
$5,000.00
$0.00
N/A
1.05%
1.05%
$10,000.00
$0.00
N/A
1.19%
1.20%
$25,000.00
$0.00
N/A
1.24%
1.25%
$50,000.00
$0.00
N/A
1.49%
1.50%
$100,000.00
$0.00
N/A
1.69%
1.70%
$250,000.00
$0.00
N/A
1.74%
1.75%
$500,000.00
$0.00
N/A
1.99%
2.01%
$1,000,000.00
$0.00
N/A
Dividend Rate(s)
1.00%
APY:
1.00%
Minimum Balance:
$0.01
Dividend Rate(s)
1.00%
APY:
1.00%
Minimum Balance:
$1,000.00
Dividend Rate(s)
1.00%
APY:
1.00%
Minimum Balance:
$5,000.00
Dividend Rate(s)
1.05%
APY:
1.05%
Minimum Balance:
$10,000.00
Dividend Rate(s)
1.19%
APY:
1.20%
Minimum Balance:
$25,000.00
Dividend Rate(s)
1.24%
APY:
1.25%
Minimum Balance:
$50,000.00
Dividend Rate(s)
1.49%
APY:
1.50%
Minimum Balance:
$100,000.00
Dividend Rate(s)
1.69%
APY:
1.70%
Minimum Balance:
$250,000.00
Dividend Rate(s)
1.74%
APY:
1.75%
Minimum Balance:
$500,000.00
Dividend Rate(s)
1.99%
APY:
2.01%
Minimum Balance:
$1,000,000.00
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
0.90%
0.90%
$0.00
$0.00
3
1.05%
1.05%
$100,000.00
$0.00
3
1.14%
1.15%
$250,000.00
$0.00
3
Dividend Rate(s)
0.90%
APY:
0.90%
Minimum Balance:
$0.00
Term (months):
3
Dividend Rate(s)
1.05%
APY:
1.05%
Minimum Balance:
$100,000.00
Term (months):
3
Dividend Rate(s)
1.14%
APY:
1.15%
Minimum Balance:
$250,000.00
Term (months):
3
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
1.25%
1.26%
$1,000.00
$1,000.00
6
1.39%
1.40%
$100,000.00
$0.00
6
1.49%
1.50%
$250,000.00
$0.00
6
Dividend Rate(s)
1.25%
APY:
1.26%
Minimum Balance:
$1,000.00
Min Deposit:
$1,000.00
Term (months):
6
Dividend Rate(s)
1.39%
APY:
1.40%
Minimum Balance:
$100,000.00
Term (months):
6
Dividend Rate(s)
1.49%
APY:
1.50%
Minimum Balance:
$250,000.00
Term (months):
6
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
1.31%
1.32%
$1,000.00
$1,000.00
12
1.44%
1.45%
$100,000.00
$0.00
12
1.54%
1.55%
$250,000.00
$0.00
12
Dividend Rate(s)
1.31%
APY:
1.32%
Minimum Balance:
$1,000.00
Min Deposit:
$1,000.00
Term (months):
12
Dividend Rate(s)
1.44%
APY:
1.45%
Minimum Balance:
$100,000.00
Term (months):
12
Dividend Rate(s)
1.54%
APY:
1.55%
Minimum Balance:
$250,000.00
Term (months):
12
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
1.64%
1.65%
$1,000.00
$1,000.00
24
1.64%
1.65%
$100,000.00
$0.00
24
1.74%
1.75%
$250,000.00
$0.00
24
Dividend Rate(s)
1.64%
APY:
1.65%
Minimum Balance:
$1,000.00
Min Deposit:
$1,000.00
Term (months):
24
Dividend Rate(s)
1.64%
APY:
1.65%
Minimum Balance:
$100,000.00
Term (months):
24
Dividend Rate(s)
1.74%
APY:
1.75%
Minimum Balance:
$250,000.00
Term (months):
24
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
1.79%
1.80%
$100,000.00
$0.00
36
1.83%
1.85%
$250,000.00
$0.00
36
1.98%
2.00%
$0.00
$1,000.00
36
Dividend Rate(s)
1.79%
APY:
1.80%
Minimum Balance:
$100,000.00
Term (months):
36
Dividend Rate(s)
1.83%
APY:
1.85%
Minimum Balance:
$250,000.00
Term (months):
36
Dividend Rate(s)
1.98%
APY:
2.00%
Minimum Balance:
$0.00
Min Deposit:
$1,000.00
Term (months):
36
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
1.88%
1.90%
$100,000.00
$0.00
48
1.93%
1.95%
$250,000.00
$0.00
48
2.13%
2.15%
$1,000.00
$1,000.00
48
Dividend Rate(s)
1.88%
APY:
1.90%
Minimum Balance:
$100,000.00
Term (months):
48
Dividend Rate(s)
1.93%
APY:
1.95%
Minimum Balance:
$250,000.00
Term (months):
48
Dividend Rate(s)
2.13%
APY:
2.15%
Minimum Balance:
$1,000.00
Min Deposit:
$1,000.00
Term (months):
48
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
1.93%
1.95%
$100,000.00
$0.00
60
2.03%
2.05%
$250,000.00
$0.00
60
2.18%
2.20%
$1,000.00
$1,000.00
60
Dividend Rate(s)
1.93%
APY:
1.95%
Minimum Balance:
$100,000.00
Term (months):
60
Dividend Rate(s)
2.03%
APY:
2.05%
Minimum Balance:
$250,000.00
Term (months):
60
Dividend Rate(s)
2.18%
APY:
2.20%
Minimum Balance:
$1,000.00
Min Deposit:
$1,000.00
Term (months):
60
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
2.08%
2.10%
$100,000.00
$0.00
72
2.18%
2.20%
$250,000.00
$0.00
72
2.28%
2.30%
$1,000.00
$1,000.00
72
Dividend Rate(s)
2.08%
APY:
2.10%
Minimum Balance:
$100,000.00
Term (months):
72
Dividend Rate(s)
2.18%
APY:
2.20%
Minimum Balance:
$250,000.00
Term (months):
72
Dividend Rate(s)
2.28%
APY:
2.30%
Minimum Balance:
$1,000.00
Min Deposit:
$1,000.00
Term (months):
72
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
2.13%
2.15%
$100,000.00
$0.00
84
2.23%
2.25%
$250,000.00
$0.00
84
2.37%
2.40%
$1,000.00
$1,000.00
84
Dividend Rate(s)
2.13%
APY:
2.15%
Minimum Balance:
$100,000.00
Term (months):
84
Dividend Rate(s)
2.23%
APY:
2.25%
Minimum Balance:
$250,000.00
Term (months):
84
Dividend Rate(s)
2.37%
APY:
2.40%
Minimum Balance:
$1,000.00
Min Deposit:
$1,000.00
Term (months):
84
Do you want AFCU to authorize and pay overdrafts on checks and other transactions made using Your checking account number?*
Yes
No
Do you want AFCU to authorize and pay overdrafts on Your ATM and everyday debit card transactions?*
Do you want AFCU to authorize and pay overdrafts on checks and other transactions made using Your checking account number?*
Yes
No
Do you want AFCU to authorize and pay overdrafts on Your ATM and everyday debit card transactions?*
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.
Would you be interested in a low rate or Rewards Credit Card?*
How did you hear about us?*
Read, Sign and Submit
Your application is not complete until you read the disclosure below and click the “I Agree” button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
You're logged in as 
