4.15
%
APY
for 6 months
APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. The rate and term are effective as of 02/02/2026 and must be opened in person at the new Clarksville location (1010 West Main Street, Clarksville, AR 72830). Offer and rate are subject to change. A $1,000.00 minimum deposit is required to open a share certificate, and the maximum deposit amount for this certificate special is $25,000.00. Members are only eligible for one 4.15% APY certificate for 6 months per tax ID number—multiples at this rate/term are not allowed. 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 withdrawals made before maturity, and fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. This offer applies to new money only (funds not currently with Arkansas Federal Credit Union). Member and/or business address must be in Johnson, Franklin, Logan, or Pope County, Arkansas to qualify. The member must also have an active Arkansas Federal checking account or have a verifiable direct deposit. Members who do not currently have a checking account with Arkansas Federal can qualify for this certificate rate by opening one. If a member already has a checking account with Arkansas Federal, but it is inactive, they can qualify by establishing a direct deposit. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA. Certificate Special
Hello, Clarksville!
Celebrate our new Clarksville branch with an in-person-only certificate for consumers and businesses in Johnson, Franklin, Logan, and Pope counties. Enjoy a competitive rate and NCUA insurance—a simple way to grow your savings.
Certificate
SPECIAL
4.15
%
APY
for 6 months
APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. The rate and term are effective as of 02/02/2026 and must be opened in person at the new Clarksville location (1010 West Main Street, Clarksville, AR 72830). Offer and rate are subject to change. A $1,000.00 minimum deposit is required to open a share certificate, and the maximum deposit amount for this certificate special is $25,000.00. Members are only eligible for one 4.15% APY certificate for 6 months per tax ID number—multiples at this rate/term are not allowed. 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 withdrawals made before maturity, and fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. This offer applies to new money only (funds not currently with Arkansas Federal Credit Union). Member and/or business address must be in Johnson, Franklin, Logan, or Pope County, Arkansas to qualify. The member must also have an active Arkansas Federal checking account or have a verifiable direct deposit. Members who do not currently have a checking account with Arkansas Federal can qualify for this certificate rate by opening one. If a member already has a checking account with Arkansas Federal, but it is inactive, they can qualify by establishing a direct deposit. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA.
$1,000 min. required to earn
Local. Limited.
In-Person Only.
This certificate offer is only available for a limited time and exclusively at our Clarksville location.
Stop By to Get Started
Stop By to Get Started
Opening your certificate is easy—just visit us in person at our new Clarksville branch. This limited-time offer is only available in branch, so don’t wait.
Hours
Mon-Fri: 8:30 AM – 5 PM
Not a member? No problem.
If you live or work in Arkansas, you’re eligible to join. Our team can help you get started in minutes.
Frequently Asked Questions
What’s a certificate of deposit?
A certificate of deposit, also known as a CD, is a type of savings account that holds a specific amount of money for a fixed amount of time. In return, we pay you dividends.
How safe are certificates?
Certificates are very safe. Your funds are federally insured up to $250,000, and with a fixed rate, you’ll know exactly how much you’ll earn. Just keep your money in for the agreed-upon term, then sit back, relax, and watch your money grow.
How does a certificate account work?
When you deposit money into a certificate, it remains there for the agreed-upon term. During this time, the dividends are deposited into the account once a month. At the end of the term, you can withdraw the initial deposit along with the earned dividends, or the funds can be rolled into another certificate.
Is there a minimum to open a certificate at Arkansas Federal?
Yes, at Arkansas Federal, the minimum deposit to open a certificate is $1,000.
Can I take out the money from my certificate before the term ends?
While it is possible to withdraw money from your certificate before the term ends, there is an early withdrawal fee, which could result in the loss of some of the dividends earned.
What happens when my certificate matures?
When your certificate matures, you’ll have the option to withdraw funds, renew the certificate at the rate/term you select, or transfer the funds out. If you do not specify your preference within 10 business days of your certificate maturing, Arkansas Federal will automatically roll over your funds into another certificate at the floor rate.
Want more ways to earn?
Make it happen with an Elite Checking account, where you can earn as high as 6.00% APY APY is the Annual Percentage Yield. Elite Checking is a tiered rate variable product. The rate is effective as of 09/01/2023. To qualify for the 6.00% APY, the member must have a monthly direct deposit of at least $1,000 going to their Elite Checking, be enrolled in eStatements, be in good standing, and complete 15 monthly transactions of at least $10 each by using their debit card tied to the account. The 15 required transactions must post to the account within the calendar month to receive earnings. When all requirements are met, 6.00% APY applies to balances up to $10,000.00, and anything $10,000.01 or more earns 0.05% APY. If the monthly qualifications are not met, the account will earn a reduced rate of 0.05% for the entire balance. Fees could also reduce earnings. A $15 monthly fee applies if the daily balance drops below $2,500.00. Only one Elite Checking or Premium Checking account per member is allowed. Offer and rates are subject to change. Exclusions may apply. Refer to the rate sheet for full details. Membership with Arkansas Federal Credit Union is required. on your balance up to $10,000. You’ll enjoy easy access to your money while earning a great rate. It’s never been easier to earn money with YOUR money.
