Everyone Deserves a Break!

Image of Cash for Skip A Payment

You can skip your payment for a month and use the funds for other needs. Take the stress out of your budget with a CESFCU Skip-A-Payment for a discounted processing fee of $10 for each loan through 12-23-20. To get started, Click below and complete the request.
Click Here button
*Interest will continue to accrue during the period to be skipped, which will extend the term of the loan. Certain restrictions may apply.



Take care of your immediate needs with an unsecured loan from CESFCU. Unsecured loans can be used for a variety of purposes, including:

Directional Sign-Home Improvements, School Expenses, and High Interest Credit Card DebtConsolidating High interest rate credit cards

Emergency expenses or medical bills

Home improvements

Education costs

Wedding expenses

Rates as low as 7.49% for a max term of 36 months and 8.99% for a max term of 60 month.  The amount a member may borrow is based on 10% of member’s annual income and member’s credit score.  Our new maximum loan limit for unsecured loans is $15,000.

Disclosures: The Annual Percentage Rate (APR) shown includes only interest and does not contain other costs or fees. All rates are subject to change at any time without notice. Rates are based on your credit history and credit qualifications. All loans are subject to credit approval. Additional restrictions may apply. All services offered by Cooperative Extension Service Federal Credit Union (CESFCU) will be subject to applicable laws of the state of Arkansas, federal laws and regulations, credit union bylaws as amended, and all other regulations, rules and practices now and hereafter adopted by CESFCU.

Bring Your Auto Loan Home

Outline of a car

Whether you are looking to purchase a new or used vehicle or need to refinance an existing vehicle loan, let CESFCU help you with your financing needs.

Are you ready to start saving? Applying is a breeze! Just fill out a Loan Application, provide proof of income, and pay the $25 loan application fee.


Sample Payment Options for a $25,000.00 Vehicle Loan   APR as Low as* Term Estimated Monthly Payment 1.99% 36 months $715.97 2.74% 48 months $550.51 3.24% 60 months $451.92 3.74% 66 months $419.70 4.99% 72 months $402.55 5.24% 84 months $356.22

  • NO PAYMENTSfor up to three months! (Interest continues to accrue during deferral period.)
  • Low rates for both new and used vehicles
  • Flexible loan periods
  • Convenient payroll deduction

* Rates and offers current as of June 15, 2020 and are subject to change. New & Used Auto Purchase and Refinance Auto Loans: 1.99% APR rate shown based on credit score of 750 or higher and a term of 36 months for vehicles year models of 2015 and newer. Auto Refinance Offers are only valid for auto loans not currently financed with CESFCU. For more information about loan requirements, see Auto Loan Disclosure.

Visa Gold

Girl shopping on laptop

Low Rate Credit Card
No Balance Transfer Fee
No Cash Advance Fee
No Annual Fee
Click here to apply button*APR = Annual Percentage Rate. No balance transfer fee, no cash advance fee, and no annual fee. Late payment fee up to $25. Interest on cash advances will be charged by the member's standard APR on the balance from the date of transaction. Offer subject to change without notice and may end at any time. All loans subject to credit approval and restrictions may apply. Membership with CESFCU is required. As of 8/2/2020, the APR for the Visa Gold is 6.00% - 11.50%. Full Credit Card Account Agreement and Disclosure.

Visa Service Updates

Effective Jan. 31, 2021Visa® will remove Auto Rental Collision Damage Waiver (ARCDW) and Warranty Manager (WM) as mandatory. Instead Visa, will be adding Postmates and NortonLifeLock. Postmates™, is an on-demand food delivery service and Visa and Postmates will provide an exclusive set of benefits across Visa consumer credit platforms. The new Postmates benefit is currently scheduled to be live as a Visa-funded benefit across all consumer credit platforms effective Jan. 1, 2021. The new NortonLifeLock™ benefit is scheduled to be live as a Visa-funded benefit across all consumer credit platforms effective February 1, 2021. This benefit is to provide an identity theft protection benefit across Visa consumer credit platforms. For additional information, please refer to the attached Visa Business News.

Sign up for HomeCU banking today!

Hands, calculator, financials
Cooperative Extension Service Federal Credit Union would like to introduce our online banking system called HomeCU Banking. 

  • View account and check balances
  • Request transfers
  • Request check withdrawals
  • Request CESFCU VISA payments
  • Receive E-Statements

For more information call the Credit Union at 501-671-2037.

To access your account once it's been activated visit: HomeCU Banking

TruStage Insurance Solutions

Insurance built for Credit Union Members like you.   TruStage Insurance Solutions offers Auto, Home, Life and Accidental Death & Dismemberment Insurance.  Find out more here.

Insurance Solutions For Everything That Matters. Find Out More.

Holiday Closings

In the event of inclement weather, our office will be closed if the Cooperative Extension Service Little Rock State Office is closed. 

  • Martin Luther King, Jr. Day - Monday, January 20, 2020
  • Memorial Day - Monday, May 25, 2020
  • Independence Day - Friday, July 3, 2020
  • Labor Day - Monday, September 7, 2020
  • Thanksgiving - Thursday & Friday, November 26 & 27, 2020
  • Winter Break - Thursday, December 24, 2020 through Friday, January 1, 2021

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