Savings Certificates
as high as
APY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 09/09/2022 and are subject to change. Rates shown are for amounts between $1,000.00 to $999,999.99. Rates are based on the dividend rate in effect on the date of deposit. Dividend rates are fixed unless otherwise stated. Federally insured by NCUA. 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account.

Enjoy a locked-in rate of return and maximum security.

There’s no one-size-fits-all approach to saving money, which is why we offer a variety of savings tools. Our certificates offer a great combination of stability along with some of the best rates around. Plus, enjoy peace of mind knowing your money is federally insured. It’s an easy, no-stress way to watch your savings grow.

View your balance from anywhere with online and mobile banking. Plus, have access to eStatements and eNotices.

New Certificate Specials
as high as
APY is Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Rates are effective as of 09/15/2022. Dividend rate is fixed unless otherwise stated. Early withdrawal penalty is equal to 180 days of dividends will be imposed if funds are withdrawn before maturity date. Fees may reduce earnings. A $1,000 minimum deposit is required to open. Membership with Arkansas Federal Credit Union is required.

Higher Rates. Higher Returns. Rates are at their highest level in years! So, there’s no better time to put your funds into a certificate account.

2.50% APY2 for 15 months


2.65% APY2 for 23 months

Tiered Rates & Terms

Want a shorter or longer term? Check out our tiered certificates with various terms. Choose from as little as 3 months to 7+ years!

3 – 5 months0.90% APY11.00% APY11.10% APY1
6 – 11 months1.25% APY11.35% APY11.45% APY1
12 – 23 months2.05% APY12.15% APY12.25% APY1
24 – 35 months2.20% APY12.30% APY12.40% APY1
36 – 47 months2.25% APY12.35% APY12.45% APY1
48 – 59 months2.35% APY12.45% APY12.55% APY1
60 – 71 months2.50% APY12.60% APY12.70% APY1
72 – 83 months2.60% APY12.70% APY12.80% APY1
84 + months2.80% APY12.90% APY13.00% APY1

Safely Grow Your Savings

Enjoy steady, predictable growth. Your earnings are guaranteed and not affected by changes in the market.

Features & Benefits

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Your Terms

Terms start at just 3 months, but you can choose 7+ years!

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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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Low Min. Deposit

Get started with as little as $1,000.

Get Started Now. It's Easy!

Set up your certificate account online from the comfort of home.
Have questions? We’re here for you. Call us at 800.456.3000 or visit your local branch.