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Arkansas Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Arkansas Federal Credit Union's money market rates are at 4.00%. Arkansas Federal Credit Union's Auto Loan Rates are as low as 4.99%. Arkansas Federal Credit Union's Credit Card Rates are at 9.50%. MonitorBankRates evaluates the financial stability of Arkansas Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.90%. Rates last updated and verified on 10/30/2026. Arkansas 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 Federal Credit Union? Share your experience about Arkansas Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Arkansas Federal Credit Union. 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 Federal Credit Union Business Money Market Rates
Arkansas Federal Credit Union Auto Loan Rates
Arkansas Federal Credit Union Credit Card Rates
Financial Health HistoryArkansas Federal Credit Union’s Texas Ratio rose from 4.49% in Q3 2023 to 5.90% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Arkansas 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 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 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Arkansas Federal Credit Union
Website
http://www.afcu.org
Address
17500 Cantrell,
Little Rock, AR 72223
Phone
501-982-1000
Fax
President
Paula Kinnard
CEO
Rodney Showmar
Full-Time Employees
478
Part-Time Employees
1
Branch Locations
26
ATM Locations
25
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.90%
Return on Assets (ROA)
0.7093%
Return on Equity (ROE)
7.4443%
Non-Performing Loans Ratio (NPL)
0.71%
Total Assets
3,160,240,649
Total Amount of Shares and Deposits
2,481,491,204
Total Shares and Deposits < 1 Year
2,258,909,504
Total Shares and Deposits 1 3 Years
154,199,657
Total Shares and Deposits > 3 Years
68,382,042
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
156,994,741
Total Uninsured Shares and Deposits > $250K (F+J)
157,437,192
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,324,054,012
Total Interest Expense (Sum of items 6 8)
32,790,968
Share Certificates
21,852
Number of Accounts for Share Drafts
94,011
IRA KEOGH Accounts
3,420
Number of Accounts for Regular Shares
183,822
All other shares
6,509
Non Member Deposits
1,004
Money Market Shares
6,657
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)
128,812,061
Total Liabilities
2,858,945,683
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Arkansas Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Arkansas Federal Credit Union
Frequently Asked Questions About Arkansas Federal Credit UnionWhat is the highest money market rate at Arkansas Federal Credit Union?The highest Arkansas Federal Credit Union money market rate is its Business Money Market at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Arkansas Federal Credit Union?The lowest Arkansas Federal Credit Union auto loan rate is its New & Used Auto Loans - 36 months at 4.99% APR, verified by MonitorBankRates as of October 30, 2026. Arkansas Federal Credit Union auto loan rates are 4.99% APR for a 36 month auto loan, 5.19% APR for a 48 month auto loan, 5.44% APR for a 60 month auto loan, 5.69% APR for a 72 month auto loan and 6.19% APR for an 84 month auto loan. What is the lowest credit card APR at Arkansas Federal Credit Union?The lowest Arkansas Federal Credit Union credit card APR is its Platinum Classic Credit Card at 9.50% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Arkansas Federal Credit Union operate?Arkansas 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 Federal Credit Union?Yes, to access services at Arkansas 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 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Arkansas Federal Credit Union offer online and mobile banking?Most modern institutions like Arkansas 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.afcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Arkansas Federal Credit Union rates compare?Arkansas Federal Credit Union's top rates are its Business Money Market at 4.00% APY, its New & Used Auto Loans - 36 months at 4.99% APR and its Platinum Classic Credit Card at 9.50% APR, verified by MonitorBankRates on October 30, 2026. Current Arkansas Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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