Credit union · NCUA insured
Arkansas Federal Credit Union Savings Rates
Arkansas Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Arkansas Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Little Rock, AR, where Arkansas Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Arkansas Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $50
Money Market Savings
Top rate
First Service Bank
4.64%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $464
2nd-highest rate
Gateway Bank
4.08%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $408
Arkansas Federal Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Arkansas Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
0.50%APY
$2,500 minimum daily balance required to avoid $15 monthly fee. All deposited funds earn the rate for the tier. Dividend rate and APY may change every dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.01% | — | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
| $1,000 – $5,000All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.50% | — | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
| $5,000 – $10,000All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.50% | — | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
| $10,000 – $25,000All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.50% | $50 | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
| $25,000 – $50,000All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.60% | — | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
| $50,000 – $100,000All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.75% | — | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
| $100,000 – $250,000All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.75% | — | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
| $250,000 – $500,000All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.75% | — | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
| $500,000 – $1,000,000All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.75% | — | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
| $1,000,000 and upAll deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. | 0.75% | — | All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained. |
Sources (2)
- afcu.org/spend-and-save/savings/money-market-savings
- afcu.org/wp-content/uploads/2021/08/Consumer-Rates.pdf
All captured Oct 9, 2026
Member Freedom Money Fund
0.01%APY
Only the funds that comprise each tier will earn the rate for that tier. Dividend rate and APY may change every dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Only the funds that comprise each tier will earn the rate for that tier. | 0.00% | — | Only the funds that comprise each tier will earn the rate for that tier. |
| $1,000 and upOnly the funds that comprise each tier will earn the rate for that tier. | 0.01% | $1 | Only the funds that comprise each tier will earn the rate for that tier. |
Sources (1)
- afcu.org/wp-content/uploads/2021/08/Consumer-Rates.pdf · captured Oct 9, 2026
Personal Savings
0.01%APY
The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceThe dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors.Any balance | 0.01% | $1 | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. |
Sources (1)
- afcu.org/wp-content/uploads/2021/08/Consumer-Rates.pdf · captured Oct 9, 2026
Share Savings
0.01%APY
Secures membership with Arkansas Federal Credit Union. Rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upThe dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. Minimum balance of $5 required to maintain active membership.$5 and up | 0.01% | $1 | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. Minimum balance of $5 required to maintain active membership. |
Sources (3)
- afcu.org/spend-and-save/savings
- afcu.org/spend-and-save/savings/share-savings
- afcu.org/wp-content/uploads/2021/08/Consumer-Rates.pdf
All captured Oct 9, 2026
Special-purpose accounts
IRA Savings
1.10%APY
Traditional and Roth IRA savings options available. The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. | 0.01% | — | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. |
| $1,000 – $5,000The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. | 0.85% | — | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. |
| $5,000 – $10,000The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. | 0.95% | — | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. |
| $10,000 – $25,000The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. | 1.10% | $110 | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. |
| $25,000 – $50,000The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. | 1.15% | — | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. |
| $50,000 – $100,000The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. | 1.20% | — | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. |
| $100,000 and upThe dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. | 1.25% | — | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds earn the rate for the tier. |
Sources (3)
- afcu.org/spend-and-save/savings
- afcu.org/spend-and-save/savings/iras
- afcu.org/wp-content/uploads/2021/08/Consumer-Rates.pdf
All captured Oct 9, 2026
Health Savings Account
0.20%APY
Requires coverage under a qualifying High Deductible Health Plan (HDHP). No minimum daily balance requirement. The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceThe dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. Disclosed under Health Savings Checking on rate supplement.Any balance | 0.20% | $20 | The dividend rate and APY may change every dividend period based on the determination of the Credit Union's Board of Directors. Disclosed under Health Savings Checking on rate supplement. |
Sources (3)
- afcu.org/spend-and-save/savings
- afcu.org/spend-and-save/savings/health-savings-accounts
- afcu.org/wp-content/uploads/2021/08/Consumer-Rates.pdf
All captured Oct 9, 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.