Credit Union Services
Passbook Share (Savings) Accounts
Share Draft (Checking) Accounts
Order Checks Online
Fun Zone Accounts
Young Adult and Senior Young Adult Accounts
Business Checking Accounts
Clubs: Christmas, Vacation and Tax
Share Certificates (Certificates of Deposit): Terms from 180 days to 5 years
Individual Retirement Accounts
Visa Card Credit Cards
Visa Debit Cards (ATM Cards)
Loans For All Reasons
Members BrokerNet (Discount Brokerage Service)
AlertMe Credit Bureau Monitor
Online Financial Calculators
Passbook Share (Savings) Accounts:
Open our basic share account with a deposit of only $5.00. Accounts with balances over $100.00 earn monthly dividends.
Share Draft (Checking) Accounts:
Funds are accessible with your Visa debit card, 24-hour Audio Response and online Home Banking. There is no Service Charge.
Fun Zone Accounts:
Saving money can be fun! Our Fun Zone accounts teach children ages 0-12 how to save their money while working toward a goal. For every $5.00 deposited into their account, children receive one Fun Zone buck. Save bucks to buy great prizes at our branches.
Young Adult and Senior Young Adult Accounts:
Our Young Adult and Senior Young Adult accounts teach fiscal responsibility. There is no Service Charge. As members get older and learn more money skills, they qualify for more services. Members can apply for Visa debit cards with a parent at ages 16-17 and alone at age 18.
Business Checking Accounts:
We can meet your business needs too! Our business checking accounts offer favorable rates and conditions. We do not charge check deposit fees, place a hold on business deposits or require minimum balances.
Christmas, Vacation and Tax Clubs:
Plan for your next vacation or holiday shopping trip with our savings clubs. Save a little bit each payday or month for large purchases or your property taxes and withdraw funds when your taxes are due. Accounts earn monthly dividends. Payroll deductions and automatic transfers can help painlessly grow your savings club accounts.
Certificates of Deposit:
Earn more dividends! Certificates of deposit offer higher interest rates with a minimum deposit of $1,000.00. Terms range from 1 year to 3 years for maturity and auto renewal is available. Children’s certificates earn the same rates but only require a $250.00 minimum deposit.
Want a better interest rate but need the flexibility of a savings account? Ask about our Share 15 accounts! This tiered-rate, interest-bearing account requires a minimum balance of $2,500.00 to earn a plateau rate and offers money market-type rates and the liquidity of a passbook account.
Individual Retirement Accounts:
Don’t wait until you retire to make plans; start saving now with an Individual Retirement Account. We offer two types of IRAs: a certificate-type of account with minimum deposit of $1,000.00, or an IRA savings-type of account that you can contribute to throughout the tax year.
VisaCard Credit Cards:
Get a variable rate VisaCard with no annual fee through ARFCU and expand your purchasing power while earning great rewards. Reach VisaCard customer service at 1-800-558-3424. Cardholder Services can also be reached online at https://clientaccess.elanfinancialservices.com. Report a lost or stolen card, check your account balance, and more!
We have young adult and college credit cards, business credit cards and consumer credit cards.
Visa Debit Cards (ATM Cards):
Want to access your checking account with the convenience of Visa? We offer a Visa check card that debits your checking account for point-of-sale purchases anywhere Visa is accepted worldwide. This card also performs ATM transactions. Teens ages 16-17 can apply for a Visa debit card with a parent joint on the account. Once teens turn 18, they can apply for a Visa debit card on their own. Reach Visa debit card customer service at 1-800-472-3272 to report a lost or stolen card.
Courtesy Pay prevents returned checks by allowing you to overdraw your checking account up to $500.00 . Covered items include: check clearings, ATM withdrawals, point-of-sale purchases and electronic (ACH) debits. A $25.00 fee is charged for each transaction paid against insufficient funds. Fee subject to change.
This protection is free to members unless used. You must have a checking account and you must enroll at your local branch. Courtesy Pay is only available on one account per person. If you have more than one account, you must choose which account receives Courtesy Pay. If you carry a negative balance for more than 30 days, ARFCU reserves the right to remove Courtesy Pay from your account. If there are insufficient funds in your savings account, overdraft line of credit and Courtesy Pay to cover the transaction, it will be returned. Upon reaching the transaction limit of six automated transfers per month set by Reg. D, Courtesy Pay will be activated. Alternative coverage includes share-to-share transfers (up to three per month) and/or a line of credit at 12.75% Annual Percentage Rate.
Don’t have time to come in and deposit your check on payday? We accept direct deposits for your recurring payments (ex. paychecks, social security benefits, pension checks) through the automated clearing house (ACH). Your funds will be deposited into your account so you don't have to worry about late mail service or getting to the credit union before close. Ask your teller for enrollment forms.
Make your loan payments or deposit funds into savings, checking or a club account without coming into our office every payday. Payroll deductions are safe, easy and convenient. You can choose to deposit just a portion of your paycheck. Sign up at your payroll office or the credit union.
The ultimate convenience in member services! Use a touchtone phone to access your account through our telephone teller system from any location at any time. Check your balance or transfer funds 24/7. You must have a checking account to access this system. Audio Response is free to members.
Online Banking / Bill Pay:
Another convenient way to access your account 24/7. Check your balance, make a loan payment or transfer funds securely from your home computer. You must have a checking account to access this system. Online Banking is free to members.
Loans For All Reasons:
We offer personal loans to meet your needs. Approval usually takes 24 hours or less. New and used auto loans, Recreational Vehicle loans, home improvement loans, bill consolidation and personal lines of credit are all available. Apply in person at one of our offices or online at any time.
We offer home equity loan advances with fixed or adjustable rates and closing costs are kept to a minimum. Our turn-around time is generally only four weeks. We also offer conventional mortgages for purchases or refinancing. These are mainly secondary market mortgages and must meet those standards for qualification. Rates and closing cost estimates are available on request.
Members BrokerNet (Discount Brokerage Service):
Don’t overpay for brokerage services. Members BrokerNet will provide you with sizable discounts on regular full-service commissions as well as comprehensive service to assist you with the available investment options.
AlertMe Credit Bureau Monitor:
Identity thieves can strike at any time, steal your money and ruin your credit. Early detection can save you thousands of dollars. AlertMe monitors your credit bureau file for suspicious activity or changes that could indicate identity theft. Subscriptions are available on a monthly, quarterly or yearly basis via automatic debit from your checking account. Annual subscriptions can be paid via MasterCard or Visa.
Click on the icon below for more information and to sign up.