Community Federal Savings Arro Credit Card

flavia rozinholli
April 15, 2025

The Community Federal Savings Arro credit card was created for those who want to take their first steps into the financial world with ease and security. With no credit history required and an accessible proposal, it opens doors to real opportunities.

More than just a simple payment method, Arro is a companion in building a healthy financial future. With it, you learn by doing, grow at your own pace, and gain confidence with every payment.

Curious how such a simple card can bring so many benefits to your life? Join us and discover everything Arro has to offer.

Meet the Issuer

The Arro credit card is issued by Community Federal Savings Bank, a financial institution that is a member of the FDIC. This bank is responsible for ensuring the safety and reliability of transactions made with the Arro card.

Community Federal Savings Bank has a solid reputation in the financial market, offering a variety of banking products and services. Its partnership with Arro aims to provide accessible and innovative financial solutions for a diverse audience.

By choosing the Arro card, users can count on the backing of a well-known and regulated financial institution in the United States.

Main Benefits of the Card

Easy Approval with No Hard Credit Check: The Arro card does not require a detailed credit review, making it easier to get approved for those with little or no credit history. It’s ideal for financial beginners or those trying to rebuild their credit.

Credit Reporting to Major Bureaus: Payments made with the card are reported to the three major U.S. credit bureaus: Experian, Equifax, and TransUnion. This helps build a strong and healthy credit history.

Educational App: The card offers an app with educational resources that help you learn more about personal finance. It includes challenges and interactive tools to gradually increase your credit limit.

Global Acceptance: As part of the Mastercard network, the Arro card is accepted at millions of locations worldwide, providing convenience for purchases both inside and outside the U.S.

Competitive Interest Rates: Arro offers lower interest rates compared to many other starter credit cards, making it a cost-effective choice for those looking to manage expenses and avoid high fees.

Behavior-Based Limit Increases: By using the card responsibly—such as making on-time payments—you can request limit increases easily, improving your purchasing power and credit profile.

First Year Annual Fee Waiver: Arro waives the annual fee for the first year, so you can use the card without worrying about extra costs at the start.

Community Federal Savings Arro Credit Card: Fees and Commissions

The Arro card has a $12 annual fee, charged monthly at $1 during the first year. After that, the fee increases to $36 per year, or $3 monthly.

Additionally, the card has a competitive starting interest rate of 16%, which is below average for unsecured cards on the market.

Note: Fees and terms are subject to change without notice. It is recommended to check the latest information directly with the issuer.

Card Limit

The initial credit limit for the Arro card ranges from $50 to $200, allowing users to start with manageable amounts—ideal for avoiding excessive debt and learning how to control spending.

With continued and responsible use, the limit may gradually increase based on good financial management. By making timely payments and participating in the educational activities available in the app, users can reach limits up to $2,500.