Online Banking

Certificates
as high as
4.15
%
APY
APY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 12/06/2022 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. Membership with Arkansas Federal Credit Union is required.

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 by NCUA. 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.

Certificate Specials

6-Month Special

3.55
%
APY1

11-Month Special

4.05
%
APY1

18-Month Special

4.15
%
APY1

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!

Term$1,000+$100,000+$250,000+
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.

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