Our Rates
Savings
Savings Rates
Accurate as of 07/01/2025
| Type of Account | Minimum Opening Balance | Minimum Balance to Earn Stated APY** | Dividend Rate | APY** |
|---|---|---|---|---|
| Regular Shares | $5.00 | N/A | 0.35% | 0.35% |
| Special Shares | $10,000.00 | $10,000.00 | 1.00% | 1.00% |
| Checking Accounts | N/A | N/A | 0.15% | 0.15% |
| Vacation and Christmas Shares | N/A | N/A | 0.35% | 0.35% |
| IRA Shares | N/A | N/A | 1.00% | 1.00% |
**Annual Percentage Yield
Fees may reduce earnings.
Share Certificates
Share Certificate Rates
Accurate as of 07/01/2025
| Term | $500-$999 | $1,000-$9,999 | $10,000-$19,999 | $20,000-$49,999 | $50,000-$99,999 | $100,000 or more |
|---|---|---|---|---|---|---|
| 3 Month | 3.75% (3.81 APY*) | 3.75% (3.81 APY*) | 3.75% (3.82 APY*) | 4.00% (4.07 APY*) | 4.00% (4.07 APY*) | 4.00% (4.07 APY*) |
| 6 Month | 3.75% (3.82 APY*) | 3.75% (3.81 APY*) | 3.75% (3.82 APY*) | 4.00% (4.07 APY*) | 4.00% (4.07 APY*) | 4.00% (4.07 APY*) |
| 12 Month | 3.75% (3.82 APY*) | 3.75% (3.81 APY*) | 3.75% (3.82 APY*) | 4.00% (4.07 APY*) | 4.00% (4.07 APY*) | 4.00% (4.07 APY*) |
| 24 Month | 2.90% (2.94 APY*) | 2.90% (2.94 APY*) | 2.90% (2.94 APY*) | 3.15% (3.20 APY*) | 3.15% (3.20 APY*) | 3.15% (3.20 APY*) |
| 36 Month | 2.25% (2.27 APY*) | 2.25% (2.27 APY*) | 2.25% (2.27 APY*) | 2.50% (2.53 APY*) | 2.50% (2.53 APY*) | 2.50% (2.53 APY*) |
| 48 Month | 2.25% (2.27 APY*) | 2.25% (2.27 APY*) | 2.25% (2.27 APY*) | 2.50% (2.53 APY*) | 2.50% (2.53 APY*) | 2.50% (2.53 APY*) |
| 60 Month | 2.25% (2.27 APY*) | 2.25% (2.27 APY*) | 2.25% (2.27 APY*) | 2.50% (2.53 APY*) | 2.50% (2.53 APY*) | 2.50% (2.53 APY*) |
**APY= Annual Percentage Yield. Federally insured by NCUA. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Fees may reduce earnings. Early withdrawal penalties may apply. $500.00 minimum deposit to open a share certificate account. Membership with Arkansas Best Federal Credit Union is required for this offer.
Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.
Credit Cards
Credit Card Rates
Effective: 06/13/2025
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | Visa Rewards 13.50% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Low Rate 12.00% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Credit Builder 18.00% This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | Visa Rewards 13.50% to Visa Low Rate 12.00% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Credit Builder 18.00% This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Visa Rewards 13.50% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Low Rate 12.00% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Credit Builder 18.00% This APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
Loans
Loan Rates
Accurate as of 07/01/2025
| Loan Type | Approximate Term | Annual Percentage Rate |
|---|---|---|
| Share Secured | 144 Months | 2.35% |
| Special Share Secured | 144 Months | 3.00% |
| Certificate Secured | 144 Months | 2.35% – 7.05% |
| Signature | 48 Months | 10.25% – 18.00% |
| New and Used Autos | 36 Months 48 Months Up to 72 Months Up to 84 Months |
4.49% – 18.00% 4.74% – 18.00% 4.99% – 18.00% 5.74% – 18.00% |
| New and Used Motorcycles | Up to 36 Months Up to 48 Months Up to 72 Months Up to 84 Months |
6.74% – 18.00% 6.99% – 18.00% 7.24% – 18.00% 7.99% – 18.00% |
| Used Boats, Boat Motors, and Boat Trailers | Up to 36 Months Up to 48 Months Up to 72 Months Up to 84 Months |
6.74% – 18.00% 6.99% – 18.00% 7.24% – 18.00% 7.99% – 18.00% |
| New Boats, Boat Motors, and Boat Trailers | Up to 120 Months | 8.99% -18.00% |
| New and Used Motor Homes, Campers and Trailers | Up to 36 Months Up to 48 Months Up to 72 Months Up to 84 Months Up to 120 Months |
6.74% – 18.00% 6.99% – 18.00% 7.24% – 18.00% 7.99% – 18.00% 8.99% -18.00% |
| Other Secured Loans | Up to 36 Months Up to 48 Months Up to 60 Months |
6.74% – 18.00% 6.99% – 18.00% 7.24% – 18.00% |
| Lines of Credit (Variable Rate) | -- | 10.25% – 18.00% |
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 payroll payment or 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.
For a loan of $25,000 for a term of 60 months with a 5.74% APR, the monthly payment would be $480.35.
Share/Certificate Advances: The Annual Percentage Rate (APR) for Share Secured/Certificate Advances will be the dividend rate being paid on your Shares/Certificate on the date of the advance plus 2%. The advance will be reviewed every 12 months and rate adjusted.
LINES OF CREDIT: The Annual Percentage Rate (APR) will be based on an Index and Margin. The Index is the Prime Rate as published in the “Money Rates” section of the Wall Street Journal on the 15th day of the month preceding the rate change. The Annual Percentage Rate is subject to change the first day of the month following the published rate in the Wall Street Journal. Your Margin is based on your creditworthiness.