Arkansas Federal Credit Union

Overview / Commentary
2424 Marshall Rd
Jacksonville, AR 72076

Arkansas Federal Credit Union is headquartered in Jacksonville and is the largest credit union in the state of Arkansas. It is also the 251st largest credit union in the nation. It was established in 1956 and as of June of 2021, it had grown to 340 employees and 128,532 members at 19 locations. Arkansas Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Arkansas Federal Credit Union is open to all Arkansas residents through membership in the American Consumer Council. Membership is also open employees/members of nearly 700 Select Employees Groups, including many local, state, and federal government agencies.
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Reviews (6)

Best Credit Union In The State!!

Posted by: |

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.

People First In Corporate America Is Dead!

Posted by: |

We have been with them for over 2 years with a perfect payment history. The truck financed with them was a total loss. While waiting for insurance to pay out we were in communication with them on 2 different occasions and were told not to worry about making a payment. In the meantime payment went over 30 days. Would of made the payment but since we were told not to worry about it and they knew the situation, we thought they would take care of us. They would not waive late payment fee and reported to credit bureau. We will take our business elsewhere from now on. Just another company that doesn't care about the customer.

Arkansas Federal Credit Union

Posted by: |

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 Grade Components

NCUA #10920
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD1.75%
Return on Equity - YTD18.48%
Annual Interest Income$26.8MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$1.67B$1.49B
LoansQ2 2021vs Q2 2020$1.36B$1.23B
DepositsQ2 2021vs Q2 2020$1.41B$1.24B
Equity CapitalQ2 2021vs Q2 2020$156.4MM$134.3MM
Loan Loss AllowanceQ2 2021vs Q2 2020$13.5MM$9.3MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$4.9MM$4.7MM
Real Estate OwnedQ2 2021vs Q2 2020$0$244.00K
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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

0.25%*$100k*-IRA Savings
OTHER TIERS: 0.01% $25 - $1k | 0.10% $1k - $5k | 0.15% $5k - $50k | 0.20% $50k - $100k
0.20%--Health Savings Account
0.01%--Share Savings
0.01%--Personal Savings
0.01%--Business Share Savings

Arkansas Federal Credit Union Money Market Rates

0.50%*$250k*-Business Money Market
OTHER TIERS: 0.25% Up to $50k | 0.30% $50k - $100k | 0.45% $100k - $250k
0.40%*$1m*-Money Market
OTHER TIERS: 0.01% Up to $1k | 0.10% $1k - $5k | 0.15% $5k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k | 0.30% $250k - $500k | 0.35% $500k - $1m
0.01%$1k-Member Freedom Money Fund

Arkansas Federal Credit Union Checking Account Rates

1.00%*-$15kRewards Plus Checking
OTHER TIERS: 0.01% $25k+ | 0.15% $15k - $25k
0.25%--Business Premier Checking

Arkansas Federal Credit Union CD Rates

0.45%$1k-36 - 47 Month Certificate
0.45%$1k-48 - 59 Month Certificate
0.45%$1k-60 - 71 Month Certificate
0.45%$100k-36 - 47 Month Jumbo Certificate
0.45%$100k-48 - 59 Month Jumbo Certificate
0.45%$100k-60 - 71 Month Jumbo Certificate
0.45%$100k-72 - 83 Month Jumbo Certificate
0.45%$1k-72 - 83 Month Certificate
0.45%$1k-84 Month Certificate
0.45%$100k-84 Month Jumbo Certificate
0.45%$100k-Business 36 - 47 Month Jumbo Certificate
0.45%$1k-Business 36 - 47 Month Certificate
0.45%$100k-Business 48 - 59 Month Jumbo Certificate
0.45%$1k-Business 48 - 59 Month Certificate
0.45%$100k-Business 60 - 71 Month Jumbo Certificate
0.45%$1k-Business 60 - 71 Month Certificate
0.45%$1k-Business 72 - 83 Month Certificate
0.45%$100k-Business 72 - 83 Month Jumbo Certificate
0.45%$100k-Business 84 Month Jumbo Certificate
0.45%$1k-Business 84 Month Certificate
0.40%$1k-24 - 35 Month Certificate
0.40%$100k-24 - 35 Month Jumbo Certificate
0.40%$100k-Business 24 - 35 Month Jumbo Certificate
0.40%$1k-Business 24 - 35 Month Certificate
0.25%$1k-12 - 23 Month Certificate
0.25%$100k-12 - 23 Month Jumbo Certificate
0.25%$100k-Business 12 - 23 Month Jumbo Certificate
0.25%$1k-Business 12 - 23 Month Certificate
0.15%$1k-6 - 11 Month Certificate
0.15%$100k-6 - 11 Month Jumbo Certificate
0.15%$100k-Business 6 - 11 Month Jumbo Certificate
0.15%$1k-Business 6 - 11 Month Certificate
0.10%$1k-3 - 5 Month Certificate
0.10%$100k-3 - 5 Month Jumbo Certificate
0.10%$100k-Business 3 - 5 Month Jumbo Certificate
0.10%$1k-Business 3 - 5 Month Certificate

Arkansas Federal Credit Union IRA Rates

0.45%$1k-36 - 47 Month IRA
0.45%$1k-48 - 59 Month IRA
0.45%$1k-60 - 71 Month IRA
0.45%$100k-36 - 47 Month Jumbo IRA
0.45%$100k-48 - 59 Month Jumbo IRA
0.45%$100k-60 - 71 Month Jumbo IRA
0.45%$1k-72 - 83 Month IRA
0.45%$100k-72 - 83 Month Jumbo IRA
0.45%$1k-84 Month IRA
0.45%$100k-84 Month Jumbo IRA
0.45%$1k$100kBusiness 36 - 47 Month IRA
0.45%$1k$100kBusiness 48 - 59 Month IRA
0.45%$1k$100kBusiness 60 - 71 Month IRA
0.45%$1k$100kBusiness 72 - 83 Month IRA
0.45%$1k$100kBusiness 84 Month IRA
0.45%$100k-Business 36 - 47 Month Jumbo IRA
0.45%$100k-Business 48 - 59 Month Jumbo IRA
0.45%$100k-Business 60 - 71 Month Jumbo IRA
0.45%$100k-Business 72 - 83 Month Jumbo IRA
0.45%$100k-Business 84 Month Jumbo IRA
0.40%$1k-24 - 35 Month IRA
0.40%$100k-24 - 35 Month Jumbo IRA
0.40%$1k$100kBusiness 24 - 35 Month IRA
0.40%$100k-Business 24 - 35 Month Jumbo IRA
0.25%$1k-12 - 23 Month IRA
0.25%$100k-12 - 23 Month Jumbo IRA
0.25%$1k$100kBusiness 12 - 23 Month IRA
0.25%$100k-Business 12 - 23 Month Jumbo IRA
0.15%$1k$100k6 - 11 Month IRA
0.15%$100k-6 - 11 Month Jumbo IRA
0.15%$1k$100kBusiness 6 - 11 Month IRA
0.15%$100k-Business 6 - 11 Month Jumbo IRA
0.10%$1k$100k3 - 5 Month IRA
0.10%$100k-3 - 5 Month Jumbo IRA
0.10%$1k$100kBusiness 3 - 5 Month IRA
0.10%$100k-Business 3 - 5 Month Jumbo IRA


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