Savings Certificates
as high as
2.60
%
APY
APY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 06/01/2022 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.

Rate Boost Certificate
Earn 1.60% APYAPY is Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Term is 24 months and rate is effective as of 06/01/2022. Dividend rate is fixed unless otherwise stated. Early withdrawal penalty equal to 180 days of dividends will be imposed if funds are withdrawn before maturity date.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 a Rate Boost Certificate. Membership with Arkansas Federal Credit Union is required.

Get a great certificate rate now with the potential for an even better rate later. With our 24-month Rate Boost Certificate, you can start earning 1.60% APYAPY is Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Term is 24 months and rate is effective as of 06/01/2022. Dividend rate is fixed unless otherwise stated. Early withdrawal penalty equal to 180 days of dividends will be imposed if funds are withdrawn before maturity date.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 a Rate Boost Certificate. Membership with Arkansas Federal Credit Union is required. now, and if interest rates go up, you can boost it to a higher rate.You must alert Arkansas Federal Credit Union that you’d like to increase your rate. You may increase your rate one time during the initial 24-month term to the dividend rate in effect on the date of your request. If you choose to exercise the rate increase option, the new interest rate and APY will be in effect for the remainder of the term. Membership with Arkansas Federal Credit Union is required. Talk about a win-win!

Safely Grow Your Savings

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

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 months0.35% APY10.45% APY10.55% APY1
6 – 11 months0.55% APY10.65% APY10.75% APY1
12 – 23 months1.05% APY11.15% APY11.25% APY1
24 – 35 months1.55% APY11.65% APY11.75% APY1
36 – 47 months1.80% APY11.90% APY12.00% APY1
48 – 59 months2.00% APY12.10% APY12.20% APY1
60 – 71 months2.30% APY12.40% APY12.50% APY1
72 – 83 months2.35% APY12.45% APY12.55% APY1
84 + months2.40% APY12.50% APY12.60% APY1

Features & Benefits

illustration of woman and calendar

Your Terms

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

Illustration of woman holding thumb up

No Service Fees

That’s right, there are no service fees and no low balance fees either!

illustration of hand holding coin

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.