Checking & Savings 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 03/02/2022. 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.

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Rate Boost Certificate

Our 24-month Business Rate Boost Certificate allows you to take advantage of a rising rate environment by locking in a great rate now, and allowing you to increase it later if rates go up.You must alert Arkansas Federal Credit Union that you’d like to increase your rate. You may increase your rate one time during the initial 24-month term to the dividend rate in effect on the date of your request. If you choose to exercise the rate increase option, the new interest rate and APY will be in effect for the remainder of the term. Membership with Arkansas Federal Credit Union is required.

Ask us about it today!

Tiered Business Certificate Rates

Term$1,000+$100,000+$250,000+
3 – 5 months0.25% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 0.25% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 0.25% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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.
6 – 11 months0.35% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 0.45% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 0.45% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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 – 23 months0.55% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 0.55% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 0.55% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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.
24 – 35 months0.80% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 0.90% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 1.00% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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.
36 – 47 months0.95% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 1.05% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 1.15% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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.
48 – 59 months1.00% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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 03/02/2022. 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 03/02/2022. 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.
60 – 71 months1.05% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 1.15% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 1.25% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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.
72 – 83 months1.15% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 1.25% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 1.35% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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.
84 + months1.30% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 1.40% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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. 1.50% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 03/02/2022. 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 and want to talk? We're here for you.
Call us at 800.456.3000 or visit your local branch.