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Certificate Rates
How does it work?
There’s no one-size-fits-all approach to saving money, which is why we offer a variety of savings tools. Our regular, jumbo and IRA 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. It’s an easy, no-stress way to watch your savings grow.
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Regular and Jumbo Certificates
A great way to reach your short- or long-term savings goal. Earn a competitive and guaranteed interest rate.
Traditional and Roth
Save for retirement by enjoying the same security of a Certificate and the tax advantages of an IRA (Individual Retirement Account). IRA certificates are available for Roth and Traditional IRAs.2
FEATURES
YOUR TERMS
You choose the term that works for you.
COMPETITIVE, TIERED RATES
The more you save, the more you earn. Rates are based on the amount you deposit and for how long.
LOW MINIMUM DEPOSIT
Get started with as little as $1,000.
SECURE
Savings are federally insured up to $250,000 and backed by the full faith and credit of the U.S. Government.
LOW RISK
You’re locked in to earn a fixed rate for a set period of time.
STEADY, PREDICTABLE GROWTH
Your earnings are guaranteed and not affected by changes in the market.
RATES AND TERMS
Regular & Jumbo Certificates
| Term | APY1 |
| 3 - 5 Months | 0.10% |
| 6 - 11 Months | 0.25% |
| 12 - 23 Months | 0.30% |
| 24 - 35 Months | 0.40% |
| 36 - 47 Months | 0.45% |
| 48 - 59 Months | 0.50% |
| 60 - 71 Months | 0.50% |
| 72 - 83 Months | 0.50% |
| 84+ Months | 0.50% |
GET STARTED, IT’S EASY
We make it easy to get started. Have questions and want to talk? We’re here for you.
Call us at (800) 456-3000 or visit your local branch.
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Join TodayDisclosures:
1. APY is annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 10/1/2020 and are subject to change. Rates are based on the dividend rate in effect on date of deposit. Dividend rates are fixed unless otherwise stated. Federally insured by NCUA. 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. View these rules and regulations.. $1,000.00 minimum deposit to open a share certificate account. Membership with Arkansas Federal Credit Union is required for this offer. These products are brought to you by Arkansas Federal Credit Union.
2. For IRA tax advantages or eligibility, refer to a tax advisor.