What are the current interest rates at Arkansas Best Federal Credit Union?

Current rates for Arkansas Best Federal Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.40%, 60-Month CD: 3.81%

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Arkansas Best Federal Credit Union

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Arkansas Best Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Arkansas Best Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Arkansas Best Federal Credit Union's top rates as of October 10, 2026 are 4.13% APY on its 48 Month CD, personal loans from 9.50% APR, and credit cards from 11.25% APR, according to rates verified by MonitorBankRates. Other Arkansas Best Federal Credit Union CD rates include 60 Month CD at 4.13%, 36 Month CD at 3.97%, and 48 Month CD at 3.97%. MonitorBankRates evaluates the financial stability of Arkansas Best Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.45%. Rates last updated and verified on 10/10/2026.

Arkansas Best Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Arkansas Best Federal Credit Union? Share your experience about Arkansas Best Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Arkansas Best Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.45%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Arkansas Best Federal Credit Union
Corporate Office

3501 Old Greenwood Rd
Fort Smith, AR 72903

http://www.abfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Arkansas Best Federal Credit Union CD Rates

Product	Rate	APY	Term
48 Month Share Certificate	4.05%	4.13%	48 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 4.13% ▲ 0.68 pts · high 4.13% / low 3.45% Oct 6, 20264.13%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
48 Month Share Certificate	4.05%	4.13%	48 Month
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 4.13% ▲ 0.68 pts · high 4.13% / low 3.45% Oct 6, 20264.13%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month Share Certificate	4.05%	4.13%	60 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.78% → 4.13% ▲ 1.35 pts · high 4.13% / low 2.78% Oct 6, 20264.13%▲ from 2.78% Sep 18, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month Share Certificate	4.05%	4.13%	60 Month
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.78% → 4.13% ▲ 1.35 pts · high 4.13% / low 2.78% Oct 6, 20264.13%▲ from 2.78% Sep 18, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month Share Certificate	3.90%	3.97%	36 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.97% ▲ 0.52 pts · high 3.97% / low 3.45% Oct 6, 20263.97%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month Share Certificate	3.90%	3.97%	36 Month
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.97% ▲ 0.52 pts · high 3.97% / low 3.45% Oct 6, 20263.97%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
48 Month Share Certificate	3.90%	3.97%	48 Month
Min Balance $10,000 Details Balance: $10,000-$19,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.97% ▲ 0.88 pts · high 3.97% / low 3.09% Oct 6, 20263.97%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
48 Month Share Certificate	3.90%	3.97%	48 Month
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.97% ▲ 0.52 pts · high 3.97% / low 3.45% Oct 6, 20263.97%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month Share Certificate	3.90%	3.97%	60 Month
Min Balance $10,000 Details Balance: $10,000-$19,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.63% → 3.97% ▲ 1.34 pts · high 3.97% / low 2.63% Oct 6, 20263.97%▲ from 2.63% Sep 18, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month Share Certificate	3.90%	3.97%	60 Month
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.78% → 3.97% ▲ 1.19 pts · high 3.97% / low 2.78% Oct 6, 20263.97%▲ from 2.78% Sep 18, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month Share Certificate	3.75%	3.82%	12 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 6, 20263.82%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month Share Certificate	3.75%	3.82%	12 Month
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 6, 20263.82%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
3 Month Share Certificate	3.75%	3.82%	3 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 6, 20263.82%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
3 Month Share Certificate	3.75%	3.82%	3 Month
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 6, 20263.82%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month Share Certificate	3.75%	3.82%	36 Month
Min Balance $10,000 Details Balance: $10,000-$19,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.82% ▲ 0.73 pts · high 3.82% / low 3.09% Oct 6, 20263.82%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month Share Certificate	3.75%	3.82%	36 Month
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45% Oct 6, 20263.82%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
48 Month Share Certificate	3.75%	3.82%	48 Month
Min Balance $1,000 Details Balance: $1,000-$9,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.82% ▲ 0.73 pts · high 3.82% / low 3.09% Oct 6, 20263.82%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
6 Month Share Certificate	3.75%	3.82%	6 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 6, 20263.82%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
6 Month Share Certificate	3.75%	3.82%	6 Month
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 6, 20263.82%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month Share Certificate	3.75%	3.82%	60 Month
Min Balance $1,000 Details Balance: $1,000-$9,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.63% → 3.82% ▲ 1.19 pts · high 3.82% / low 2.63% Oct 6, 20263.82%▲ from 2.63% Sep 18, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
48 Month Share Certificate	3.75%	3.81%	48 Month
Min Balance $500 Details Balance: $500-$999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.81% ▲ 0.72 pts · high 3.81% / low 3.09% Oct 6, 20263.81%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
60 Month Share Certificate	3.75%	3.81%	60 Month
Min Balance $500 Details Balance: $500-$999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.63% → 3.81% ▲ 1.18 pts · high 3.81% / low 2.63% Oct 6, 20263.81%▲ from 2.63% Sep 18, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month Share Certificate	3.65%	3.71%	24 Month
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45% Oct 6, 20263.71%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month Share Certificate	3.65%	3.71%	24 Month
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45% Oct 6, 20263.71%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month Share Certificate	3.60%	3.66%	12 Month
Min Balance $10,000 Details Balance: $10,000-$19,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.66% ▲ 0.36 pts · high 3.66% / low 3.30% Oct 6, 20263.66%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month Share Certificate	3.60%	3.66%	12 Month
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56% Oct 6, 20263.66%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
3 Month Share Certificate	3.60%	3.66%	3 Month
Min Balance $10,000 Details Balance: $10,000-$19,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.66% ▲ 0.36 pts · high 3.66% / low 3.30% Oct 6, 20263.66%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
3 Month Share Certificate	3.60%	3.66%	3 Month
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56% Oct 6, 20263.66%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month Share Certificate	3.60%	3.66%	36 Month
Min Balance $500 Details Balance: $500-$999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.66% ▲ 0.57 pts · high 3.66% / low 3.09% Oct 6, 20263.66%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
36 Month Share Certificate	3.60%	3.66%	36 Month
Min Balance $1,000 Details Balance: $1,000-$9,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.66% ▲ 0.57 pts · high 3.66% / low 3.09% Oct 6, 20263.66%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
6 Month Share Certificate	3.60%	3.66%	6 Month
Min Balance $10,000 Details Balance: $10,000-$19,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.66% ▲ 0.36 pts · high 3.66% / low 3.30% Oct 6, 20263.66%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
6 Month Share Certificate	3.60%	3.66%	6 Month
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56% Oct 6, 20263.66%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month Share Certificate	3.50%	3.56%	24 Month
Min Balance $10,000 Details Balance: $10,000-$19,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.56% ▲ 0.47 pts · high 3.56% / low 3.09% Oct 6, 20263.56%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month Share Certificate	3.50%	3.56%	24 Month
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45% Oct 6, 20263.56%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month Share Certificate	3.45%	3.51%	12 Month
Min Balance $1,000 Details Balance: $1,000-$9,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Oct 6, 20263.51%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
3 Month Share Certificate	3.45%	3.51%	3 Month
Min Balance $500 Details Balance: $500-$999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Oct 6, 20263.51%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
6 Month Share Certificate	3.45%	3.51%	6 Month
Min Balance $500 Details Balance: $500-$999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Oct 6, 20263.51%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
12 Month Share Certificate	3.45%	3.50%	12 Month
Min Balance $500 Details Balance: $500-$999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30% Oct 6, 20263.50%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
3 Month Share Certificate	3.45%	3.50%	3 Month
Min Balance $1,000 Details Balance: $1,000-$9,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30% Oct 6, 20263.50%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
6 Month Share Certificate	3.45%	3.50%	6 Month
Min Balance $1,000 Details Balance: $1,000-$9,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30% Oct 6, 20263.50%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month Share Certificate	3.35%	3.41%	24 Month
Min Balance $500 Details Balance: $500-$999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.41% ▲ 0.32 pts · high 3.41% / low 3.09% Oct 6, 20263.41%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
24 Month Share Certificate	3.35%	3.40%	24 Month
Min Balance $1,000 Details Balance: $1,000-$9,999 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.40% ▲ 0.31 pts · high 3.40% / low 3.09% Oct 6, 20263.40%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Arkansas Best Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.24%	36 Months
Details Published APR range: 4.24% - 10.00%. Risk Based: The Annual Percentage Rate (APR) you receive for each type of sub-account will be within the range disclosed above and based on your credit worthiness. Please ask for the rate you qualify for. Loans are eligible for a 0.25% discount with automatic payment from an Arkansas Best Federal Credit Union account excluding Share Secured, Certificate Secured, and Lines of Credit. Rates on collateralized loans can be reduced by 0.25% for every 10% of equity in collateral at the time the loan is made up to a maximum 0.50% reduction. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New and Used Autos	4.49%	-	4.49%	48 Months
Details Published rate range: 4.49% - 18.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New and Used Autos	4.74%	-	4.74%	Up to 72 Months
Details Published rate range: 4.74% - 18.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New and Used Autos	5.49%	-	5.49%	Up to 84 Months
Details Published rate range: 5.49% - 18.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Arkansas Best Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Low Rate	-	11.25%
Details Published APR range: 11.25% to 18.00%. This APR will vary with the market based on the Prime Rate.; Regular APR: 11.25% to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Visa Rewards	-	12.75%
Details Published APR range: 12.75% to 18.00%. This APR will vary with the market based on the Prime Rate.; Regular APR: 12.75% to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Visa Credit Builder	-	18.00%
Details This APR will vary with the market based on the Prime Rate.; Regular APR: 18.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Arkansas Best Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.50%	48 Months
Details Published rate range: 9.50% - 18.00%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Arkansas Best Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Shares	1.00%	-	1.00%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Regular Shares	0.35%	-	0.35%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Special Shares	1.00%	-	1.00%
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Vacation and Christmas Shares	0.35%	-	0.35%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Arkansas Best Federal Credit Union’s Texas Ratio fell from 2.88% in Q3 2023 to 1.45% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$144M	1.45%	5.0	A+
March 31, 2026	$145M	0.59%	5.0	A+
December 31, 2025	$143M	1.32%	5.0	A+
September 30, 2025	$145M	1.25%	5.0	A+
June 30, 2025	$146M	1.62%	5.0	A+
March 31, 2025	$148M	1.56%	5.0	A+
December 31, 2024	$144M	2.22%	5.0	A+
September 30, 2024	$146M	2.66%	5.0	A+
June 30, 2024	$147M	2.46%	5.0	A+
March 31, 2024	$147M	2.68%	5.0	A+
December 31, 2023	$145M	3.01%	5.0	A+
September 30, 2023	$149M	2.88%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Arkansas Best Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Arkansas Best Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Arkansas Best Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Arkansas Best Federal Credit Union

Website http://www.abfcu.org

Address 3501 Old Greenwood Rd, Fort Smith, AR 72903

Phone 479-649-2060

Fax 479-649-2070

President CALVIN MASTIN

CEO NORMA MEARES

Full-Time Employees 30

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.45%

Return on Assets (ROA)

0.3771%

Return on Equity (ROE)

2.3075%

Non-Performing Loans Ratio (NPL)

0.62%

Total Assets

143,977,835

Total Amount of Shares and Deposits

120,410,617

Total Shares and Deposits < 1 Year

94,207,041

Total Shares and Deposits 1 3 Years

25,535,519

Total Shares and Deposits > 3 Years

668,057

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,464,831

Total Uninsured Shares and Deposits > $250K (F+J)

3,464,831

Total Insured Shares and Deposits > $250K (item 17 less item K)

116,945,786

Total Interest Expense (Sum of items 6 8)

999,076

Share Certificates

972

Number of Accounts for Share Drafts

5,321

IRA KEOGH Accounts

380

Number of Accounts for Regular Shares

13,067

All other shares

220

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,409,655

Total Liabilities

120,677,672

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Arkansas Best Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Arkansas Best Federal Credit Union

How many branches does Arkansas Best Federal Credit Union operate?

Arkansas Best Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Arkansas Best Federal Credit Union?

Yes, to access services at Arkansas Best Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Arkansas Best Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Arkansas Best Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Arkansas Best Federal Credit Union offer online and mobile banking?

Most modern institutions like Arkansas Best Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.abfcu.org.