The Arkansas Federal Credit Union All Credit Levels is a cdfi lender from Arkansas Federal Credit Union. The annual fee is There is no annual fee; however, late payment fees may reach $40.. The ongoing APR is Standard variable APR currently ranges from 9.50%–18.00% for Low-Rate Classic cards and 14.49%–18.00% for World cards, based on creditworthiness and the Prime Rate. after a 0% introductory APR for 18 billing cycles applies to eligible balance transfers made to an Arkansas Federal Credit Union Low Rate Classic or Cash Back World credit card. introductory rate for 18 months. Approval typically requires a credit score of 740 or higher. Rewards: Balance transfers do not earn rewards.. Loan terms: up to 100 months. Minimum annual revenue: $25,000/year. This product reports activity to your personal credit report. Arkansas Federal Credit Union is a member-owned financial institution located in Jacksonville, AR, offering a range of financial products and services designed to empower members through better rates and fewer fees. They serve individuals and businesses in Arkansas, focusing on providing accessible financial solutions to the community. Services include: personal loans, business loans, mortgages, auto loans. US Treasury certified CDFI Credit Union in Jacksonville, AR. Membership required.