Earn dividends or cash back
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.
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 Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 08/01/2023. 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.
Your Terms
Choose your term – from 3 months to 48 or more – and let your certificate go to work for you.
Certificate Specials
6-Month Special
5.30
%
APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 07/17/2023 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 withdraws 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. To qualify, a member may either fund the certificate with new money—money that was not originally housed with Arkansas Federal, or they may transfer funds from an already established Arkansas Federal checking or savings account. If funding is from an already established Arkansas Federal account, the member must also have a monthly direct deposit of at least $500 going to an Arkansas Federal checking account or already have an active checking account with at least 10 monthly transactions. For current members that do not have an Arkansas Federal checking account, they may open a checking account with Arkansas Federal to qualify. For current members with an inactive Arkansas Federal checking account, to qualify, a monthly direct deposit of at least $500 must be enabled. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required.
%
APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 07/17/2023 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 withdraws 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. To qualify, a member may either fund the certificate with new money—money that was not originally housed with Arkansas Federal, or they may transfer funds from an already established Arkansas Federal checking or savings account. If funding is from an already established Arkansas Federal account, the member must also have a monthly direct deposit of at least $500 going to an Arkansas Federal checking account or already have an active checking account with at least 10 monthly transactions. For current members that do not have an Arkansas Federal checking account, they may open a checking account with Arkansas Federal to qualify. For current members with an inactive Arkansas Federal checking account, to qualify, a monthly direct deposit of at least $500 must be enabled. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required.
13-Month Special
5.60
%
APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 07/17/2023 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 withdraws 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. To qualify, a member may either fund the certificate with new money—money that was not originally housed with Arkansas Federal, or they may transfer funds from an already established Arkansas Federal checking or savings account. If funding is from an already established Arkansas Federal account, the member must also have a monthly direct deposit of at least $500 going to an Arkansas Federal checking account or already have an active checking account with at least 10 monthly transactions. For current members that do not have an Arkansas Federal checking account, they may open a checking account with Arkansas Federal to qualify. For current members with an inactive Arkansas Federal checking account, to qualify, a monthly direct deposit of at least $500 must be enabled. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required.
%
APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 07/17/2023 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 withdraws 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. To qualify, a member may either fund the certificate with new money—money that was not originally housed with Arkansas Federal, or they may transfer funds from an already established Arkansas Federal checking or savings account. If funding is from an already established Arkansas Federal account, the member must also have a monthly direct deposit of at least $500 going to an Arkansas Federal checking account or already have an active checking account with at least 10 monthly transactions. For current members that do not have an Arkansas Federal checking account, they may open a checking account with Arkansas Federal to qualify. For current members with an inactive Arkansas Federal checking account, to qualify, a monthly direct deposit of at least $500 must be enabled. 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 months | 0.50% APYAPY is Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 08/01/2023. 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 08/01/2023. 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 08/01/2023. 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 08/01/2023. 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 08/01/2023. 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 08/01/2023. 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
| 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 |