Main Office: (479) 443-4401   CU*TALK: 833-206-9032   Lost/Stolen Debit & Credit Cards: 888-263-3370 info@nwarkansasfcu.com
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Notice to All Members:

Updates to Funds Availability Policy-Effective July 1, 2025

In compliance with Federal Regulation CC, Northwest Arkansas Federal Credit Union will implement the following updates to our Funds Availability Policy:

                What’s Changing???

                                Next-Day Availability amount increases from $225 to $275

                                Large Deposit Thresholds increase from $5,525 to $6,725

                                New Accounts and Repeat Overdraft thresholds also increase to $6,725

                                These updates may affect the timing of when deposited funds are available to you.

Please contact one of our Member Service Representatives for a copy of the updated policy.

Visit our branch, call us at 479-443-4401, or email us at info@nwarkansasfcu.com

    Welcome to

    Northwest Arkansas Federal Credit Union

    Helping You Forge Your Financial Independence

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    Membership

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    The NWAFCU Promise

    Northwest Arkansas Federal Credit Union is a member owned and operated cooperative.  We provide personalized services to assist our members in meeting their financial goals.   We are dedicated to maintaining an informed membership and providing service in an efficient, convenient, and friendly manner.

    Learn More About Northwest Arkansas

    Introducing a New Way to Shop

    We’re excited to launch our all-new auto shopping website! This new platform will let you shop inventory with trust, reliability, and confidence. Browse new and used pre-owned vehicles from local dealers, save your progress, access free CarFax reports, and conveniently apply for a low-rate loan.

    Learn More and Shop Today

    The Credit Union Difference

    Credit unions are not-for-profit financial cooperatives, whose earnings are paid back to members in the form of higher savings rates and lower loan rates. Banks are for-profit corporations, with declared earnings paid to stockholders only.

    1. Not-for-profit
    Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.
    2. Taxation
    Credit unions do pay taxes – payroll taxes, sales taxes, and property taxes. Congress exempts credit unions from federal income taxes. The exemption was established in 1937, affirmed by statute in 1951, and re-affirmed in 1998 in H.R. 1151, the Credit Union Membership Access Act, which states:

    “Credit unions, unlike many other participants in the financial services market, are exempt from Federal and most State taxes because credit unions are member-owned, democratically operated, not-for-profit organizations generally managed by volunteer boards of directors and because they have the specified mission of meeting the credit and savings needs of consumers, especially persons of modest means.“

    3. Ownership
    Credit unions are economic democracy. Each credit union member has equal ownership and one vote — regardless of how much money a member has on deposit. At a credit union, every customer is both a member and an owner.
    4. Volunteer Boards
    Each credit union is governed by a board of directors, elected by and from the credit union’s membership. Board members serve voluntarily.
    5. Membership Eligibility
    By current federal statute, credit unions cannot serve the general public. People qualify for a credit union membership through their employer, organizational affiliations like churches or social groups, or a community-chartered credit union.  Our charter is for all of Washington County, so anyone who works, lives, worships, volunteers, or attends school in Washington County is eligible to join Northwest Arkansas Federal Credit Union.
    6. Financial Education for Members
    Credit unions assist their members to become better educated consumers of financial services. Additionally, Credit Union National Association is partnering with the National Endowment for Financial Education, a not-for-profit foundation, to expand financial education among high school students. A national study shows that just ten hours of personal finance education can positively affect students’ spending and savings habits for a lifetime. We here at NWAFCU are always happy to help educate our members!
    7. People Helping People
    Credit unions exist to help people, not make a profit. Our goal is to serve all of our members well, including those of modest means – every member counts. Our members are fiercely loyal for this reason. They know their credit union will be there for them in bad times, as well as good. The same people-first philosophy causes credit unions and our employees to get involved in community charitable activities and worthwhile causes – just ask us.

    Northwest Arkansas Federal Credit Union

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    Contact Info

    1460 N. Woolsey Ave.
    Fayetteville, AR 72703

    Hours

    Lobby

    Monday – Friday
    8:00AM – 4:30PM

    Drive-Thru

    Monday – Friday
    8:00AM – 5:00PM

    Phone

    Office: 479-443-4401
    Audio Response: 833-206-9032
    Lost/Stolen Debit & Credit Cards: 888-263-3370

     

     

    Email

    info@nwarkansasfcu.com

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