What is a Share Certificate?
Learn about share certificates and how opening one can benefit you.
Read MoreThere’s no one-size-fits-all approach to saving money, which is why we offer a variety of savings tools. Our certificates offer a great combination of stability along with some of the best rates around. Plus, enjoy peace of mind knowing your money is federally insured by NCUA. It’s an easy, no-stress way to watch your savings grow.
View your balance from anywhere with online and mobile banking. Plus, have access to eStatements and eNotices.
Want a shorter or longer term? Check out our tiered certificates with various terms. Choose from as little as 3 months to 7+ years!
Term | $1,000+ | $100,000+ | $250,000+ |
---|---|---|---|
3 – 11 months | 0.50% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 08/02/2023 and are subject to change. Rate shown is for amounts $1,000.00 to $999,999.99. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required. | 0.60% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 08/02/2023 and are subject to change. Rate shown is for amounts $1,000.00 to $999,999.99. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required. | 0.70% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 08/02/2023 and are subject to change. Rate shown is for amounts $1,000.00 to $999,999.99. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required. |
12 months + | 1.00% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 08/02/2023 and are subject to change. Rate shown is for amounts $1,000.00 to $999,999.99. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required. | 1.10% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 08/02/2023 and are subject to change. Rate shown is for amounts $1,000.00 to $999,999.99. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required. | 1.20% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 08/02/2023 and are subject to change. Rate shown is for amounts $1,000.00 to $999,999.99. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required. |
Enjoy steady, predictable growth. Your earnings are guaranteed and not affected by changes in the market.
Terms start at just 3 months, but you can choose 7+ years!
That’s right, there are no service fees and no low balance fees either!
Get started with as little as $1,000.