Credit union · NCUA insured
Arkansas Federal Credit Union Credit Card Rates
Arkansas Federal Credit Union credit card rates start at 9.50% APR. Rates checked October 22, 2026.
How Arkansas Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Little Rock, AR, where Arkansas Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Arkansas Federal Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Alcoa Community Federal Credit Union
7.99%APR
- Up to
- 15.99% APR
2nd-lowest rate
TruService Community FCU
9.00%APR
- Up to
- 18.00% APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
2% Cash Back Card
Membership with Arkansas Federal Credit Union required. Subject to credit approval. Variable APR based on creditworthiness and Prime Rate. Foreign transaction fee 0%, balance transfer fee 3.00%, cash advance fee 3.00%. Late payment fee up to $40. Earns 2% cash back (2 points per $1 spent on purchases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% introductory APR for 6 billing cycles on eligible new purchases for accounts opened between October 1, 2026, and December 31, 2026. Balance transfers and cash advances not eligible. |
| Ongoing | 14.49%–18.00% | None | Standard variable APR ranges from 14.49% to 18.00% based on creditworthiness and market conditions related to the Prime Rate, applying after the introductory period. |
Sources (2)
All captured Oct 7, 2026
Everyday Low-Rate Card
Membership with Arkansas Federal Credit Union required. Subject to credit approval. Variable APR based on creditworthiness and Prime Rate. Foreign transaction fee 1.00%, balance transfer fee 3.00%, cash advance fee 3.00%. Late payment fee up to $40.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% introductory APR for 6 billing cycles on eligible new purchases for accounts opened between October 1, 2026, and December 31, 2026. Balance transfers and cash advances not eligible. |
| Ongoing | 9.50%–18.00% | None | Standard variable APR ranges from 9.50% to 18.00% based on creditworthiness and market conditions related to the Prime Rate, applying after the introductory period. |
Sources (2)
All captured Oct 7, 2026
Secured Credit Card
Membership with Arkansas Federal Credit Union required. Subject to credit approval. Requires refundable security deposit of $500 or more held in Share Savings account to establish credit limit. Variable APR based on Prime Rate. Foreign transaction fee 1.00%, balance transfer fee 3.00%, cash advance fee 3.00%. Late payment fee up to $40.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Variable APR is 18.00% based on market conditions related to the Prime Rate. Rate will never exceed 18.00% APR. |
Sources (2)
All captured Sep 24, 2026
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.