What is a Share Certificate?
Learn about share certificates and how opening one can benefit you.
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Certificates
as high as
5.75
%
APY
APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rates are effective as of 10/27/2023 at 5.75% for 13 months and 5.30% for 6 months and are subject to change. Rate shown is for amounts $1,000.00 to $999,999.99. 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 prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. To qualify, a member may either fund the certificate with new money—money that was not originally housed with Arkansas Federal, or they may transfer funds from an already established Arkansas Federal checking or savings account. If funding is from an already established Arkansas Federal account, the member must also have a monthly direct deposit of at least $500 going to an Arkansas Federal checking account or already have an active checking account with at least 10 monthly transactions. For current members that do not have an Arkansas Federal checking account, they may open a checking account with Arkansas Federal to qualify. For current members with an inactive Arkansas Federal checking account, to qualify, a monthly direct deposit of at least $500 must be enabled. Federally insured by NCUA. Membership with Arkansas Federal Credit Union is required.
%
APY
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
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 – 11 months | 0.50% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. The term is between 3-5 months or 12+ months, and the rate is effective as of 08/01/2023. The dividend rate is fixed unless otherwise stated. An early withdrawal penalty equal to 180 days of dividends will be imposed if funds are withdrawn before the 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. | 0.60% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. The term is between 3-5 months or 12+ months, and the rate is effective as of 08/01/2023. The dividend rate is fixed unless otherwise stated. An early withdrawal penalty equal to 180 days of dividends will be imposed if funds are withdrawn before the 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. | 0.70% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. The term is between 3-5 months or 12+ months, and the rate is effective as of 08/01/2023. The dividend rate is fixed unless otherwise stated. An early withdrawal penalty equal to 180 days of dividends will be imposed if funds are withdrawn before the 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. |
| 12 months + | 1.00% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. The term is between 3-5 months or 12+ months, and the rate is effective as of 08/01/2023. The dividend rate is fixed unless otherwise stated. An early withdrawal penalty equal to 180 days of dividends will be imposed if funds are withdrawn before the 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. | 1.10% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. The term is between 3-5 months or 12+ months, and the rate is effective as of 08/01/2023. The dividend rate is fixed unless otherwise stated. An early withdrawal penalty equal to 180 days of dividends will be imposed if funds are withdrawn before the 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. | 1.20% APYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. The term is between 3-5 months or 12+ months, and the rate is effective as of 08/01/2023. The dividend rate is fixed unless otherwise stated. An early withdrawal penalty equal to 180 days of dividends will be imposed if funds are withdrawn before the 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. |
Safely Grow Your Savings
Enjoy steady, predictable growth. Your earnings are guaranteed and not affected by changes in the market.
Features & Benefits
Your Terms
Terms start at just 3 months, but you can choose 7+ years!
No Service Fees
That’s right, there are no service fees and no low balance fees either!
Low Min. Deposit
Get started with as little as $1,000.
