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Other Loans

Credit Builder

The Credit Builder Loan allows the member to build or rebuild their credit history by laying-away the proceeds of a loan (up to $10,000) in their Share Savings Account while they make regular, online monthly payments during a 24-month repayment period.

By laying the proceeds of the loan away in this manner, the member will:

  • Build a positive credit history with the credit union that will be reported monthly to all major credit bureaus
  • Build a sizable savings balance that will earn dividends and grow as the loan is being paid off

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Line of Credit for Overdraft Protection

Arkansas Federal understands that mistakes happen, and sometimes there are unanticipated expenses or unforeseen problems that can overdraw your checking account. With this in mind, we are introducing a line of credit that can be utilized as your primary source for overdraft protection. Members can apply for a line of credit ranging from $250 to $2,500.

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Share Pledge

The member can borrow against the money they have in their Share Savings Account or Certificate Account by pledging those funds towards a Share Pledged Loan. Because they are pledging their savings, this is usually the fastest and least expensive way to borrow money. Payments for a Share Pledged Loan can be made effortlessly through payroll deduction.

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Signature Loan

Signature loans are loans secured solely by a member's good name. Borrowing power is based on personal financial history, credit score, and current income.

Members with a monthly take-home pay of $500 or more can find out their eligibility for a Signature Loan by going through the application process. After an evaluation of the applicant's financial status, the amount of the Signature Loan, from $100 to the individual's maximum, is determined, based on the member's circumstances.

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Storm Shelter Loan

We’re making protection more affordable this storm season. Protect the ones you love today with a storm shelter loan from Arkansas Federal. With rates as low as 5.44% APR*, this is an offer you won’t want to pass up! Our loan officers will work with you to find the right term to fit your budget.

Hurry – you’ll want to get your shelter installed before the next big storm.

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*APR = annual percentage rate. Some restrictions apply. Normal credit criteria apply for rate. Offer subject to change without notice.