Visa Gold

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Low Rate Credit Card
No Balance Transfer Fee
No Cash Advance Fee
No Annual Fee
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*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, 2021, Visa® 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.

Bring Your Auto Loan Home

Convertible on mudding road in field
Not looking to purchase a new or used car right now but you have a vehicle that’s financed elsewhere? Let us help you pay off your existing loan and put more money in your pocket with our competitive auto loan refinancing rates.

If you don’t decide to refinance, we only ask you to think of us first the next time you’re ready for a new auto loan

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.

New & Used Auto Purchase and Refinance Rates(1)

APR as low as* Term Loan Amount Estimated Monthly Payment
1.99% 36 months $25,000.00 $715.97
2.74% 48 months $25,000.00 $550.51
3.24% 60 months $25,000.00 $451.92
3.74% 66 months $25,000.00 $419.70
4.99% 72 months $25,000.00 $402.55
5.24% 84 months $25,000.00 $356.22
  • NO PAYMENTS for 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.


Directional sign - home improvements, school expenses, high interest credit card debtTake care of your immediate needs with an unsecured loan from CESFCU. Unsecured loans can be used for a variety of purposes, including:
Consolidating 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.

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

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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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.

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