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Checking & Savings Accounts


Our NEW Money Market account is what membership is all about - rewarding our members with high dividend rates. This is a limited-time special offer, so open your new Money Market account today to start earning 1.75% APY.

Not a member? No problem. All Arkansans are eligible to join Arkansas Federal and start taking advantage of some of the country's most competitive loan and divided rates - all backed by our friendly, local staff and convenient neighborhood branches.

Join Today

1APY = Annual Percent Yield. $10,000 minimum deposit of new money required to receive promotional 1.75% APY. New money is defined as money that has not been on deposit at Arkansas Federal Credit Union during the past 30 days. Earn 1.75% APY for the first 120 days. After the promotional period ends, account will revert to the regular Money Market account with standard rates. Refer to rate sheet for details. No minimum balance requirement. $10 monthly fee if daily balance drops below $10,000 balance. Limited 6 total withdrawals per month. $3 fee for additional withdrawal. If excessive withdrawals occur, the account could be converted to a Member Freedom Money Fund. Offer and rates subject to change. Certain exclusions may apply. Membership with Arkansas Federal Credit Union is required for this offer.


Arkansas Federal offers two types of checking accounts —from simple and rewarding to even more rewarding.

  • $0 monthly fee
  • Free debit card with access to more than 30,000 surcharge free ATMs
  • Free online and mobile banking
  • Free bill pay and mobile deposit
  • Security of funds and protection against fraud

Rewards Checking 

  • Earn 1 point for every $2 spent with signature1
  • Privilege Pay2
  • Free online statements3
  • Overdraft protection4
  • Free text alerts & fraud protection
  • Privilege Pay2 is one of the perks of an Arkansas Federal checking account. When you sign up for Privilege Pay, we cover payments that otherwise would not have been paid, saving you time, money and embarrassment.

Rewards Plus Checking5

  • Enjoy all of the benefits of the Rewards Checking account with the bonus of a dividend. You can earn up to 1.00% APY6 on balances $0 – $24,999. View current rates

Opening an Arkansas Federal checking account couldn’t be easier, so do it today!

Apply Now

If you are already a member with us, and you would like to add a checking account to your current membership you can do so by using our online application.

Add Account

1Earn 1 point for every $2 spent through your Arkansas Federal debit card. 2Privilege Pay fees apply. 3$2 fee may be assessed for paper statements. 4Overdraft protection automatically transferred in $1 increments from other established Arkansas Federal account. 5A monthly fee of $12.50 applies if daily balance drops below $2,500. The monthly transaction requirement consists of completing 10 checking account transactions, defined as: ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Fees could reduce earnings. 6APY = Annual Percentage Yield. Offer and rates subject to change. Certain exclusions may apply.


Your gateway to credit union membership is a Share Savings Account. With that account you'll have access to a wide variety of consumer-friendly savings, checking and investment accounts designed to maximize your credit union membership.

Share Savings

With an opening deposit of as little as $5, your Share Savings account makes you a member, and reflects your "owner's share" of the credit union. Once you become a member, members of your family are eligible to open an account too.

Member Freedom Money Fund

This tiered savings account offers you the ability to grow your dividend as your balance increases with unlimited deposit and withdrawal options. There is no minimum balance requirement1 and it comes with free online banking.

View current rates

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1Member Freedom Money Fund must maintain at least $1,000 in the account each day to earn dividends. Offer and rates subject to change. Certain exclusions may apply.

Health Savings Account (HSA)

An easy way to earn 1.00% APY1! 

Does your healthcare plan qualify for a Health Savings Account (HSA)? HSAs are individual accounts that allow you to use pre-tax dollars to pay for future medical expenses and are designed specifically for individuals who have chosen a high-deductible health plan (HDHP). You can deduct your contributions, and the account earnings will accumulate on a tax-deferred basis. Distributions from your HSA are tax-free as long as they are used for a qualified medical expense as defined in IRS Publication 502.

An HSA account can be established by anyone who meets the following criteria:

  • Currently has a qualified High Deductible Health Plan (HDHP)
  • Has no other first-dollar medical coverage
  • Is not enrolled in Medicare
  • Cannot be claimed as a dependent on someone else’s tax return
  • Could not have received Veteran’s Affairs medical benefits within the past 3 months
  • Does not have a Flexible Spending Account (FSA) or a Health Reimbursement Account (HRA)

To learn more, call 800-456-3000 or visit one of our convenient branch locations.

Not a member? No problem. All Arkansans are eligible to join Arkansas Federal  and start taking advantage of our friendly, local staff, low rates, and neighborhood branches.

Join Today

1APY = Annual Percentage Yield. Offer and rates subject to change. Certain exclusions may apply.