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
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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
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APY: 0.00%
Min Deposit: $25.00
Rewards Plus Checking
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Max APY: 2.30%
Min Deposit: $0.00
Rewards Limited Checking
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APY: 0.00%
Member Freedom Money Fund
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Max APY: 0.25%
Min Deposit: $0.00
Personal Savings
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APY: 0.01%
Min Deposit: $25.00
Money Market
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Max APY: 2.50%
Min Deposit: $0.00
11 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 2.40% APY on the 11-month certificate, you must have an active checking account or fund the account with “new money.”
APY: 2.40%
Min Deposit: $1,000.00
23 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 2.40% APY on the 23-month certificate, you must have an active checking account or fund the account with “new money.”
APY: 2.65%
Min Deposit: $1,000.00
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: 1.51%
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: 1.57%
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: 1.90%
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: 2.25%
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: 2.40%
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: 2.45%
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: 2.55%
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)
2.28%
2.30%
$0.01
$0.00
N/A
2.28%
2.30%
$2,500.00
$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)
2.28%
APY:
2.30%
Minimum Balance:
$0.01
Dividend Rate(s)
2.28%
APY:
2.30%
Minimum Balance:
$2,500.00
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)
$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
2.47%
2.50%
$1,000,000.00
$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
2.23%
2.25%
$500,000.00
$0.00
N/A
Dividend Rate(s)
1.00%
APY:
1.00%
Minimum Balance:
$0.01
Dividend Rate(s)
2.47%
APY:
2.50%
Minimum Balance:
$1,000,000.00
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)
2.23%
APY:
2.25%
Minimum Balance:
$500,000.00
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
1.41%
1.42%
$100,000.00
$0.00
6
1.50%
1.51%
$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)
1.41%
APY:
1.42%
Minimum Balance:
$100,000.00
Term (months):
6
Dividend Rate(s)
1.50%
APY:
1.51%
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
1.46%
1.47%
$100,000.00
$0.00
12
1.56%
1.57%
$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)
1.46%
APY:
1.47%
Minimum Balance:
$100,000.00
Term (months):
12
Dividend Rate(s)
1.56%
APY:
1.57%
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
1.79%
1.80%
$100,000.00
$0.00
24
1.88%
1.90%
$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)
1.79%
APY:
1.80%
Minimum Balance:
$100,000.00
Term (months):
24
Dividend Rate(s)
1.88%
APY:
1.90%
Minimum Balance:
$250,000.00
Term (months):
24
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
1.98%
2.00%
$0.00
$1,000.00
36
2.13%
2.15%
$100,000.00
$0.00
36
2.23%
2.25%
$250,000.00
$0.00
36
Dividend Rate(s)
1.98%
APY:
2.00%
Minimum Balance:
$0.00
Min Deposit:
$1,000.00
Term (months):
36
Dividend Rate(s)
2.13%
APY:
2.15%
Minimum Balance:
$100,000.00
Term (months):
36
Dividend Rate(s)
2.23%
APY:
2.25%
Minimum Balance:
$250,000.00
Term (months):
36
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
2.13%
2.15%
$1,000.00
$1,000.00
48
2.28%
2.30%
$100,000.00
$0.00
48
2.37%
2.40%
$250,000.00
$0.00
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)
2.28%
APY:
2.30%
Minimum Balance:
$100,000.00
Term (months):
48
Dividend Rate(s)
2.37%
APY:
2.40%
Minimum Balance:
$250,000.00
Term (months):
48
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
2.18%
2.20%
$1,000.00
$1,000.00
60
2.33%
2.35%
$100,000.00
$0.00
60
2.42%
2.45%
$250,000.00
$0.00
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)
2.33%
APY:
2.35%
Minimum Balance:
$100,000.00
Term (months):
60
Dividend Rate(s)
2.42%
APY:
2.45%
Minimum Balance:
$250,000.00
Term (months):
60
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
2.28%
2.30%
$1,000.00
$1,000.00
72
2.42%
2.45%
$100,000.00
$0.00
72
2.52%
2.55%
$250,000.00
$0.00
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)
2.42%
APY:
2.45%
Minimum Balance:
$100,000.00
Term (months):
72
Dividend Rate(s)
2.52%
APY:
2.55%
Minimum Balance:
$250,000.00
Term (months):
72
Dividend Rate(s)
APY
Minimum Balance
Minimum Deposit
Term (months)
2.37%
2.40%
$1,000.00
$1,000.00
84
2.52%
2.55%
$100,000.00
$0.00
84
2.62%
2.65%
$250,000.00
$0.00
84
Dividend Rate(s)
2.37%
APY:
2.40%
Minimum Balance:
$1,000.00
Min Deposit:
$1,000.00
Term (months):
84
Dividend Rate(s)
2.52%
APY:
2.55%
Minimum Balance:
$100,000.00
Term (months):
84
Dividend Rate(s)
2.62%
APY:
2.65%
Minimum Balance:
$250,000.00
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?*
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