Savings Certificates
as high as
2.00
%
APY
APY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rate is effective as of 01/05/2022 for a 12-month term with a minimum deposit of $1,000 and a maximum deposit of $6,000. Rate is based on the dividend rate in effect on the date of deposit. Dividend rates are 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. View these rules and regulations.

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.

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.

Safely Grow Your Savings

Lock in your savings for a fixed rate for a set period of time. Enjoy steady, predictable growth. Your earnings are guaranteed and not affected by changes in the market.

Certificate Specials

Save for your next big dream with as little as $1,000 opening deposit. Earn more than a standard savings or money market account.

TermRateDetails
12 Months2.00% APY1Max of $6,000 Deposit; New & Existing Members;
IRA Certificate only1
13 Months0.55% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 01/05/2022 and are subject to change. Rates are based on the dividend rate in effect on the date of deposit. In order to qualify for this rate, member must have a direct deposit into an Arkansas Federal checking account of at least $500 per month or an active checking account with at least 10 transactions per month. A Health Savings Account (HSA) can substitute for a checking account. Dividend rates are 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account. Active Arkansas Federal Checking AccountAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 01/05/2022 and are subject to change. Rates are based on the dividend rate in effect on the date of deposit. In order to qualify for this rate, member must have a direct deposit into an Arkansas Federal checking account of at least $500 per month or an active checking account with at least 10 transactions per month. A Health Savings Account (HSA) can substitute for a checking account. Dividend rates are 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account.
13 Months0.75% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 01/05/2022 and are subject to change. Rates are based on the dividend rate in effect on the date of deposit. This rate is for new money only from another financial institution. Dividend rates are 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account. New Money OnlyAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 01/05/2022 and are subject to change. Rates are based on the dividend rate in effect on the date of deposit. This rate is for new money only from another financial institution. Dividend rates are 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account.
25 Months0.80% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 01/05/2022 and are subject to change. Rates are based on the dividend rate in effect on the date of deposit. In order to qualify for this rate, member must have a direct deposit into an Arkansas Federal checking account of at least $500 per month or an active checking account with at least 10 transactions per month. A Health Savings Account (HSA) can substitute for a checking account. Dividend rates are 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account. Active Arkansas Federal Checking AccountAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 01/05/2022 and are subject to change. Rates are based on the dividend rate in effect on the date of deposit. In order to qualify for this rate, member must have a direct deposit into an Arkansas Federal checking account of at least $500 per month or an active checking account with at least 10 transactions per month. A Health Savings Account (HSA) can substitute for a checking account. Dividend rates are 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account.
25 Months1.00% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 01/05/2022 and are subject to change. Rates are based on the dividend rate in effect on the date of deposit. This rate is for new money only from another financial institution. Dividend rates are 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account. New Money OnlyAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 01/05/2022 and are subject to change. Rates are based on the dividend rate in effect on the date of deposit. This rate is for new money only from another financial institution. Dividend rates are 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account.

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!

TermAPYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 01/05/2022 and are subject to change. 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.
3 – 5 months0.10%
6 – 11 months0.15%
12 – 23 months0.25%
24 – 35 months0.40%
36 – 47 months0.45%

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.