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Savings

Savings Rates

Effective: 06/01/2023

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


Share Certificates

Share Certificate Rates

Effective: 02/01/2024

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 4.65% (4.75 APY*) 4.65% (4.75 APY*) 4.85% (4.96 APY*) 4.85% (4.96 APY*) 5.05% (5.17 APY*) 5.05% (5.17 APY*)
6 Month 4.65% (4.75 APY*) 4.65% (4.75 APY*) 4.85% (4.96 APY*) 4.85% (4.96 APY*) 5.05% (5.17 APY*) 5.05% (5.17 APY*)
12 Month 4.65% (4.75 APY*) 4.65% (4.75 APY*) 4.85% (4.96 APY*) 4.85% (4.96 APY*) 5.05% (5.17 APY*) 5.05% (5.17 APY*)
24 Month 3.10% (3.14 APY*) 3.10% (3.14 APY*) 3.30% (3.35 APY*) 3.30% (3.35 APY*) 3.50% (3.56 APY*) 3.50% (3.56 APY*)
36 Month 3.10% (3.14 APY*) 3.10% (3.14 APY*) 3.30% (3.35 APY*) 3.30% (3.35 APY*) 3.50% (3.56 APY*) 3.50% (3.56 APY*)
48 Month 3.10% (3.14 APY*) 3.10% (3.14 APY*) 3.30% (3.35 APY*) 3.30% (3.35 APY*) 3.50% (3.56 APY*) 3.50% (3.56 APY*)
60 Month 3.10% (3.14 APY*) 3.10% (3.14 APY*) 3.30% (3.35 APY*) 3.30% (3.35 APY*) 3.50% (3.56 APY*) 3.50% (3.56 APY*)

**APY= Annual Percentage Yield. Federally insured by NCUA. The annual percentage yield is accurate as of 02/01/2024. 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: 09/13/2023

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases Visa Rewards
14.50% 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
13.00% 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
14.50% 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
13.00% 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
14.50% 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
13.00% 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

Effective: 02/01/2024

Loan Type Approximate Term Annual Percentage Rate
Share Secured 144 Months 2.35%
Special Share Secured 144 Months 3.00%
Certificate Secured 144 Months 5.80% – 6.80%
Signature 48 Months 11.25% – 18.00%
New and Used Autos 36 Months
48 Months
Up to 72 Months
Up to 84 Months
5.24% – 18.00%
5.49% – 18.00%
5.74% – 18.00%
6.49% – 18.00%
New and Used Motorcycles Up to 36 Months
Up to 48 Months
Up to 72 Months
Up to 84 Months
7.24% – 18.00%
7.49% – 18.00%
7.74% – 18.00%
8.49% – 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
7.24% – 18.00%
7.49% – 18.00%
7.74% – 18.00%
8.49% – 18.00%
New Boats, Boat Motors, and Boat Trailers Up to 120 Months 9.49% -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
7.24% – 18.00%
7.49% – 18.00%
7.74% – 18.00%
8.49% – 18.00%
9.49% -18.00%
Other Secured Loans Up to 36 Months
Up to 48 Months
Up to 60 Months
7.24% – 18.00%
7.49% – 18.00%
7.74% – 18.00%
Lines of Credit (Variable Rate) -- 11.25% – 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 $20,000 for a term of 60 months with a 3.99% APR, the monthly payment would be $368.19.

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.