Overview / Commentary
501-982-1000
2424 Marshall Rd
Jacksonville, AR 72076-2326

Arkansas Federal Credit Union is headquartered in Jacksonville and is the largest credit union in the state of Arkansas. It is also the 245th largest credit union in the nation. It was established in 1956 and as of June of 2018, it had grown to 282 employees and 102,030 members at 15 locations. Arkansas Federal Credit Union's money market rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Arkansas Federal Credit Union is open to anyone living in the states of Arkansas, Missouri, Tennessee, or Texas through membership in the American Consumer Council-Arkansas chapter (membership in ACC is free). Membership is also open to the following: (1) those who live, work, worship, or attend school in Crawford, Garland, Hot Spring, Saline, Sebastian, or White Counties in Arkansas or in the states of Mississippi and Oklahoma; (2) employees or members of the state of Arkansas and over 200 Select Employer Groups.
See current membership details

Reviews (5)

Best Credit Union In The State!!

Posted by: BSC2005 | Oct 11, 2017

Been with this CU for years and they are the best Financial Institution I have ever banked with. Like all places they might have issues or problems, but they fix them and listen to you when you do. I love these folks. The call center is wonderful and the people seem to really care. If you want to bank somewhere and feel like a person Arkansas Federal Credit Union is the best bank in Arkansas.

ACFU is amazing

I have been a customer of Arkansas Federal Credit Union for years and could not be more satisfied. I have many accounts with them, including my primary checking and savings, as well as a CD. Their CD rates are very competitive and at the time I invested were among the highest in the country. They have always provided outstanding service, either via telephone or in person. In addition, they have a very good fraud department that took good care of me when there was some unauthorized activity on my checking account. I highly recommend them to my friends and family!

No Fees

When I first tried to join the Arkansas Federal Credit Union several years ago my credit wasn't quite up to where they wanted it. After building my credit score for a year I was then able to join. There's no fees for every little thing like a regular bank, and while they didn't have modern stuff like mobile checking at first they eventually did add it. If you're not a member of a credit union, I highly recommend it. But you will need decent credit.

Long term member

I have been with the Arkansas Federal Credit Union for 20 years. In that time, I have had checking and savings accounts. I joined because my family all banked there. I have not been very impressed with my membership. I rarely see any "perks". My biggest problem with the AFCU is their hours of operation, and lack of convenient locations. When I need to withdraw money from my account, I must first find a location. Most of the time the ATM is not working. When I try to go inside to make a withdrawal, there is only 1 teller working and she is never in a hurry. I used to receive great customer service on their 1-800 #, but since the last upgrade to their service it is extremely hard to get a hold of anyone by phone. Overall, I have been so displeased that I am currently looking for a new financial institution.

Arkansas Federal Credit Union

Posted by: ebby2484 | May 8, 2017

I was a customer with AFCU, but now I am dissolving all my accounts with them. I applied for a loan with them and they denied based on false information. Finally after receiving a call because I told them they discriminate against certain members, I was explained why they denied the loan. The information they had was incorrect info. Even though, I told them all the information they were going by was incorrect and I had paperwork to prove it. They did not even consider reviewing the information. I even had a credit card with them and that was paid on good judgement. I am dissolving all my accounts because they are not in the business to helping people of color.



Health

Health Grade Components

Overall
NCUA #10920
Year Chartered1956
Employees282
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.83%
Annual Interest Income$21.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$1.21B$1.15B
LoansQ2 2018vs Q2 2017$991.2MM$912.4MM
DepositsQ2 2018vs Q2 2017$924.5MM$875.0MM
Equity CapitalQ2 2018vs Q2 2017$114.9MM$105.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$6.7MM$5.3MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$4.9MM$5.3MM
Real Estate OwnedQ2 2018vs Q2 2017$416.00K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Arkansas Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Arkansas Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--Health Savings Account
0.75%*$100k*-IRA Savings
OTHER TIERS: 0.10% $25 - $1k | 0.25% $1k - $5k | 0.35% $5k - $10k | 0.50% $10k - $25k | 0.65% $25k - $50k | 0.70% $50k - $100k
0.01%--Share Savings
0.01%--Personal Savings

Arkansas Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$10k-Money Market - 120 Day Introductory
1.15%*$100k*-Money Market
OTHER TIERS: 0.50% Up to $10k | 0.75% $10k - $25k | 0.85% $25k - $100k
0.25%*$10k*-Member Freedom Money Fund
OTHER TIERS: 0.10% $1k - $10k

Arkansas Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%*-$25kRewards Plus Checking
OTHER TIERS: 0.25% $25k+

Arkansas Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$1k-59 Month Certificate Special w/ Checking (New Money)
2.48%$100k-84 Month Jumbo Share Certificate
2.38%$100k-72-83 Month Jumbo Share Certificate
2.35%$1k-18 Month Certificate Special w/ Checking (New Money)
2.33%$1k-84 Month Share Certificate
2.30%$1k-11 Month Share Certificate Special (New Money).
2.30%$1k-11 Month Certificate Special w/ Checking (New Money)
2.27%$100k-60-71 Month Jumbo Share Certificate
2.23%$1k-72-83 Month Share Certificate
2.21%$100k-48-59 Month Jumbo Share Certificate
2.20%$1k-18 Month Share Certificate Special (New Money)
2.12%$1k-60-71 Month Share Certificate
2.06%$1k-48-59 Month Share Certificate
2.01%$100k-36-47 Month Jumbo Share Certificate
1.86%$1k-36-47 Month Share Certificate
1.80%$100k-24-35 Month Jumbo Share Certificate
1.65%$1k-24-35 Month Regular Share Certificate
1.47%$100k-12-23 Month Jumbo Share Certificate
1.32%$1k-12-23 Month Share Certificate
1.09%$100k$100k6-11 Month Jumbo Share Certificate
0.94%$1k-6-11 Month Share Certificate
0.91%$100k$100k3-5 Month Jumbo Share Certificate
0.76%$1k-3-5 Month Share Certificate

Arkansas Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$1k-59 Month Certificate Special w/ Checking (New Money)
2.48%$1k-84 Month IRA
2.48%$100k-84 Month Jumbo IRA
2.38%$100k-72-83 Month Jumbo IRA
2.35%$1k-18 Month IRA w/ Checking (New Money)
2.30%$1k-11 Month IRA Special w/ Checking (New Money)
2.30%$1k-11 Month IRA Special (New Money)
2.27%$100k-60-71 Month Jumbo IRA
2.23%$1k-72-83 Month IRA
2.21%$100k-48-59 Month Jumbo IRA
2.20%$1k-18 Month IRA Special (New Money)
2.12%$1k-60-71 Month IRA
2.06%$1k-48-59 Month IRA
2.01%$100k-36-47 Month Jumbo IRA
1.86%$1k-36-47 Month IRA
1.80%$100k-24-35 Month Jumbo IRA
1.65%$1k-24-35 Month IRA
1.47%$100k-12-23 Month Jumbo IRA
1.32%$1k-12-23 Month IRA
1.09%$100k-6-11 Month Jumbo IRA
0.94%$1k$100k6-11 Month IRA
0.91%$100k-3-5 Month Jumbo IRA
0.76%$1k$100k3-5 Month IRA
Locations

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