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Certificates/Investments

Certificate Special - New Money

Call or stop by today and start earning a high rate of return with a short time commitment (new money only). This is a limited time offer so don’t delay in taking advantage of the highest certificate rate in the country.

Just one of the ways we share ownership benefits with our members. Not an AFCU member? No problem, sign up for membership today. Membership is available to Arkansas residents.

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Start earning today by calling 800-456-3000 or visit your local AFCU service center to open your share certificate.

Don’t have “new money” to invest? No problem. AFCU’s 12-month 1.00% APY** certificate is still available. AFCU is also offering attractive rates for Rewards Plus Checking and Premier Business Checking!
 

*Based on bankrate.com CD rates on 12-16-16 for 18-month certificate. Offers and rates subject to change without notice. APY = Annual Percentage Yield. Refer to fee schedule for full details. 20-Month Share Certificate: $5,000 minimum deposit of “new money” to open a certificate share account. “New money” is defined as funds that have not been in an Arkansas Federal Credit Union account for the prior 30 days. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. **Consumer Share Certificate available to members who have an AFCU checking account with direct deposit of $500 or more per month or who have 10 transactions per month. $1,000 minimum balance to open the consumer share certificate account. Members who do not currently have a checking account may open an account and meet the requirements to open a share certificate account. Business Share Certificate available to business members who have an AFCU business checking account, $5,000 minimum balance to open the business share certificate account. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply.

Certificate Special - New & Existing Money

Guaranteed return, even during uncertain times. Start earning today by calling 800-456-3000 or visit your local AFCU service center to open your share certificate.  Limited time offer.

Certificate Product Term AFCU APY* Minimum to Earn APY*
Consumer Share Certificate Special** 12 month 1.00% $1,000
Business Share Certificate Special*** 12 month 1.00% $5,000

Federally insured by NCUA.

*APY = Annual Percentage Yield.  **Consumer Share Certificate available to members who have an AFCU checking account with direct deposit of $500 or more per month or who have 10 transactions per month. $1,000 minimum balance to open the consumer certificate share account. Members who do not currently have a checking account may open an account and meet the requirements to open a certificate share account. *** Business Share Certificate available to business members who have an AFCU business checking account, $5,000 minimum balance to open the business certificate share account. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply.

Certificate Options

Choose the certificate option that makes sense for you, and visit your local AFCU service center or give us a call at 800-456-3000 to open your certificate of deposit today!

Account Types Minimum Deposit Term
Share & IRA Certificates $1,000 3 months to 60 months +
Jumbo Certificate $100,000 3 months to 60 months +


Federally insured by NCUA.

AFCU Retirement and Investment Services


 

AFCU Retirement and Investment Services is a personal financial management service offered exclusively to you, the valued AFCU member. Through this service, you have access to an array of products and services designed to help you achieve your short- and long-term financial goals. At AFCU, members have more options and more choices when it comes to investments.

Solid Financial Backing

AFCU Retirement and Investment Services is offered by the CUNA Mutual Group in cooperation with its affiliate, CUNA Mutual Life Insurance Company. CUNA Mutual Life has more than 115 years of insurance experience, and the CUNA Mutual Group has provided support to credit unions and their members for more than 65 years. Together, with combined assets of more than $10 billion, these organizations stand solidly behind AFCU Retirement and Investment Services.

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Close and Convenient

AFCU Retirement and Investment Services is located inside AFCU's Jacksonville Service Center. The representative is also available to meet with members at other service centers by appointment. To schedule your appointment with an Arkansas Federal Financial Services Representative, simply call 501-533-2101.

Products and services available through the AFCU Retirement and Investment Services include:

  • Financial Services
  • Financial Seminars
  • Insurance*
  • Annuities*
  • Investments*
  • IRA/TSAs*

NOTE: *Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CBSI is a registered broker/dealer in all fifty states of the United States of America. FR-1255398.1-0715- 0817

Check the background of our investment professionals on FINRA'S BrokerCheck.

Investments/Insurance/Warranties: Not NCUA Insured • Not Credit Union Issued, Guaranteed or Underwritten • May Lose Value

*Spending and Investing in Retirement, 2007, LIMRA International, Inc., and the Society of Actuaries Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. B2MM-0906-C425

IRA Options

Individual Retirement Account (IRA)

You work hard for your money, so why not open an IRA at AFCU and let your money work hard for your retirement? We offer two types of investment options.

Traditional IRA

A tax-deferred retirement savings account funded with before-tax earnings, which means that you'll save money on your taxes as you fund the account during your working years, and then pay taxes, ideally at a lower tax rate, on the funds you withdraw after retirement.

Contributions

A Traditional IRA can be opened by any individual who earns income or receives alimony who is under the age of 70 1/2. The IRS establishes annual limits on IRA contribution amounts that can changes from year to year. All taxpayers age 50 and above will be permitted to make "catch up" contributions of $1,000 to their IRAs. These "catch up" contribution payments may be deductible in a traditional IRA or made to a Roth IRA, if the Manual Adjusted Gross Income (MAGI) limits for regular contributions for the year are met.

Withdrawals

Withdrawals (distributions) from a Traditional IRA are permitted any time after age 59 1/2, but must start by April 1st following the year in which the participant reaches the age of 70 1/2. After age 59 1/2, you may make withdrawals even if you continue to earn income. It is not necessary to be retired in order to make withdrawals.

Penalties

There could be a 10% penalty for withdrawing all or any part of the earnings from a Traditional IRA. Taxable distributions are not subject to the 10% early withdrawal penalty if: the individual is 59 1/2; has died; becomes totally disabled; or is taking equal periodic payments over his or her life expectancy for at least five years or until age 59 1/2, whichever comes later; for college expenses; for a first time home purchase up to $10,000; for certain medical expenses; or certain uses.

Roth IRA

Different from traditional IRAs, a Roth IRA is funded with after-tax earnings, so your money grows tax- free. Since you've already paid taxes on the earnings used to fund your Roth IRA, your savings are not taxed when you withdraw your money after retirement.

Contributions

A Roth IRA can be opened by anyone with earned income, regardless of age, when certain adjusted gross income requirements are met. The IRS establishes annual limits on IRA contribution amounts that can change from year to year. IRS Publication 590 at www.irs.gov will provide detailed information regarding specific tax years.

Withdrawals

With a Roth IRA, penalty-free and tax-free withdrawals of your contributions are permitted at any time (until total distributions from all Roth IRAs exceed the contribution amount - no distribution is subject to either taxation or penalty). Tax-free withdrawals of earnings are permitted if you satisfy two conditions. First, the plan must be open a minimum of five successive tax years. Second, the withdrawal must be made after the occurrence of one of the following events: after age 59 1/2, death, total disability, or as a qualified first-time homebuyer (up to $10,000). There is no mandatory age requirement for distributions and funds may remain in the account during the account owner's lifetime.

Penalties

There could be a 10% penalty for withdrawing all or any part of the earnings from a Roth IRA. Taxable distributions are not subject to the 10% early withdrawal penalty if: it is made after the five year period beginning with the first taxable year for which a contribution was made to a Roth IRA set up for your benefit and, is made on or after the individual is 59 1/2; becomes totally disabled; has died; for college expenses; for a first time home purchase up to $10,000; for certain medical expenses; or certain uses.

Your savings at AFCU are federally insured to a least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, an agency of the federal government.