Online Banking

Business Certificates

Guaranteed returns with flexible terms.

If you’re looking for a safe place to put your hard-earned money, a certificate is a great option. Certificates offer NCUA-insured protection, while earning your business a higher dividend rate than traditional business savings accounts. Lock in one or more certificates today and turn your savings into earnings. Simply pick your term, and your funds earn a guaranteed fixed rate.

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No Service Fees

That’s right, there are no service fees and no low balance fees either!

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Predictable Returns

Because this account is not subject to market risks, your money will earn fixed, predictable returns.APY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account.

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Your Terms

Choose your term – from 3 months to 48 or more – and let your certificate go to work for you.

Certificate Special

6-Month Special

5.00
%
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.

Tiered Business Certificate Rates

Term$1,000+$100,000+$250,000+
3 –11 months0.50% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. 0.60% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. 0.70% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account.
12 months+1.00% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. 1.10% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. 1.20% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account.

Terms & Fees

TermFee
Low minimum opening deposit$1,000
Minimum daily balance$1,000+
(your daily balance will depend on the opening deposit and will continue to grow)
Monthly low balance feeNone
Monthly service fee$0

Get Started Now. It's Easy!

We make it easy to get started. Have questions? Call us at 501.457.0250 or visit your local branch.

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