Credit union · NCUA insured
Arkansas Federal Credit Union Auto Loan Rates
Arkansas Federal Credit Union auto loans start at 5.44% APR for a new vehicle and 5.44% for a used one. Rates checked October 22, 2026.
How Arkansas Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Little Rock, AR, where Arkansas Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Arkansas Federal Credit Union
5.44%APR
- Terms
- up to 60 months
- Discount
- None included
New & Used Auto Loans
Lowest rate
Telcoe Federal Credit Union
3.74%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Arkansas Federal Credit Union auto loan score
75
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.44%
- Used vehicleUsed5.44%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arkansas Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Refinance
Rates range from 4.99% to 18.00% APR with terms up to 100 months. Minimum household annual income of $25,000, over 18 years of age, valid U.S. SSN required. Full coverage insurance with maximum deductible of $1,000 required. Terms of 85 months or longer require a minimum financed amount of $65,000. $0 application fee, no origination fee. Deferred payments up to 90 days available (interest continues to accrue).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Available for terms up to 36 months to those who meet top credit tier requirements; higher rates apply for longer terms and other credit tiers. Example payment $898 on $30,000 loan amount. |
| up to 48 months | 5.19% | Example payment $693 on $30,000 loan amount. Higher rates apply for other credit tiers. |
| up to 60 months | 5.44% | Example payment $572 on $30,000 loan amount. Higher rates apply for other credit tiers. |
| up to 72 months | 5.69% | Example payment $492 on $30,000 loan amount. Higher rates apply for other credit tiers. |
| up to 84 months | 6.19% | Example payment $440 on $30,000 loan amount. Higher rates apply for other credit tiers. |
Sources (3)
All captured Oct 15, 2026
New & Used Auto Loans
Up to 100% financing including taxes and applicable fees. $0 application fee. Rates range from 4.99% to 18.00% APR with terms up to 100 months. Minimum household annual income of $25,000, over 18 years of age, valid U.S. SSN required. Terms of 85 months or longer require a minimum financed amount of $65,000. Full coverage insurance with a maximum deductible of $1,000 required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Available for terms up to 36 months to those who meet our top credit tier requirements; higher rates apply for longer terms and other credit tiers. Example payment $898 on $30,000 loan amount. |
| up to 48 months | 5.19% | Example payment $693 on $30,000 loan amount. Higher rates apply for other credit tiers. |
| up to 60 months | 5.44% | Example payment $572 on $30,000 loan amount. Higher rates apply for other credit tiers. |
| up to 72 months | 5.69% | Example payment $492 on $30,000 loan amount. Higher rates apply for other credit tiers. |
| up to 84 months | 6.19% | Example payment $440 on $30,000 loan amount. Higher rates apply for other credit tiers. |
Who can join Arkansas Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Arkansas Federal partners with the Arkansas chapter of the American Consumer Council to allow Arkansans to be eligible for membership, with Arkansas Federal paying the one-time $10 ACC joining fee on the applicant's behalf.
Where you live or work
- Individuals who live or work in Arkansas are eligible for membership.
Employers and groups
- Employees or members of one of more than 700 partner employers and organizations (even if living outside Arkansas) may be eligible for membership.
Family and household
- Individuals who have a family member who is a member are eligible for membership.
Cost to join
- The one-time $10 American Consumer Council joining fee is paid by Arkansas Federal on the applicant's behalf.
- Members must open a 'share' savings account and maintain a one-time $5 membership deposit balance.
Membership information collected October 4, 2026.