Earn dividends or cash back
Business Certificates
Guaranteed earnings at a competitive, fixed rate.
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.
No Service Fees
That’s right, there are no service fees and no low balance fees either!
Predictable Returns
Because this account is not subject to market risks, your money will earn fixed, predictable returns.APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rates are effective as of 07/10/2024 at 5.40% APY for 7 months and 4.90% APY for 23 months and are subject to change. Other tiered certificate rates are effective as of 02/02/2024. Rates shown are for amounts $1,000.00 to $999,999.99. The rates are 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. Membership with Arkansas Federal Credit Union is required.
Your Terms
Choose your term – from 3 months to 48 or more – and let your certificate go to work for you.
Certificate Special
Terms & Fees
| Term | Fee |
|---|---|
| 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 fee | None |
| Monthly service fee | $0 |
Tiered Business Certificate Rates
| 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. Certificate special rates are effective as of 07/10/2024 at 5.40% APY for 7 months and 4.90% APY for 23 months and are subject to change. Other tiered certificate rates are effective as of 02/02/2024. Rates shown are for amounts $1,000.00 to $999,999.99. The rates are 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. 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. Certificate special rates are effective as of 07/10/2024 at 5.40% APY for 7 months and 4.90% APY for 23 months and are subject to change. Other tiered certificate rates are effective as of 02/02/2024. Rates shown are for amounts $1,000.00 to $999,999.99. The rates are 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. 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. Certificate special rates are effective as of 07/10/2024 at 5.40% APY for 7 months and 4.90% APY for 23 months and are subject to change. Other tiered certificate rates are effective as of 02/02/2024. Rates shown are for amounts $1,000.00 to $999,999.99. The rates are 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. 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. Certificate special rates are effective as of 07/10/2024 at 5.40% APY for 7 months and 4.90% APY for 23 months and are subject to change. Other tiered certificate rates are effective as of 02/02/2024. Rates shown are for amounts $1,000.00 to $999,999.99. The rates are 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. 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. Certificate special rates are effective as of 07/10/2024 at 5.40% APY for 7 months and 4.90% APY for 23 months and are subject to change. Other tiered certificate rates are effective as of 02/02/2024. Rates shown are for amounts $1,000.00 to $999,999.99. The rates are 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. 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. Certificate special rates are effective as of 07/10/2024 at 5.40% APY for 7 months and 4.90% APY for 23 months and are subject to change. Other tiered certificate rates are effective as of 02/02/2024. Rates shown are for amounts $1,000.00 to $999,999.99. The rates are 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. Membership with Arkansas Federal Credit Union is required. |