What is a Share Certificate?
Learn about share certificates and how opening one can benefit you.
Read More
Certificates
as high as
5.40
%
APY
APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rates are effective as of 07/10/2024 at 5.40% APY for 7 months and 4.90% APY for 23 months and are subject to change. The 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. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA.
%
APY
Guaranteed earnings at a competitive, fixed rate.
Want a guaranteed way to grow your savings? Then check out our newest certificate and IRA specials! Enjoy unbeatable stability and some of the best rates in the market. Plus, your money is federally insured by NCUA, giving you complete peace of mind. It’s a simple, stress-free way to grow your savings.
Certificate Special
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. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. Membership with Arkansas Federal Credit Union is required. | 0.60% APYAPY is the Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. Membership with Arkansas Federal Credit Union is required. | 0.70% APYAPY is the Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. Membership with Arkansas Federal Credit Union is required. |
| 12 months + | 1.00% APYAPY is the Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. Membership with Arkansas Federal Credit Union is required. | 1.10% APYAPY is the Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. Membership with Arkansas Federal Credit Union is required. | 1.20% APYAPY is the Annual Percentage Yield. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Rates shown are for amounts between $1,000.00 to $999,999.99. Refer to the fee schedule for full details. Offer and rates are subject to change without notice. Early withdrawal will result in decreased APY. Early withdrawal penalties may apply. $1,000 minimum deposit is required to open a certificate account. 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.
Frequently Asked Questions
What’s a Certificate of Deposit?
A Certificate of Deposit, also known as a CD, is a type of savings account that holds a specific amount of money for a fixed amount of time. In return, we pay you dividends.
How safe are certificates?
Certificates are very safe because they are federally insured for up to $250,000. Plus, since your certificate rate is fixed, you are guaranteed a specific rate of return without worrying about fluctuations in the market.
How does a certificate account work?
When you deposit money into a certificate, it remains there for the agreed-upon term. During this time, the dividends are deposited into the account once a month. At the end of the term, you can withdraw the initial deposit along with the earned dividends, or the funds can be rolled into another certificate.
Is there a minimum to open a certificate at Arkansas Federal?
Yes, at Arkansas Federal, the minimum deposit to open a certificate is $1,000.
Can I take out the money from my certificate before the term ends?
While it is possible to withdraw money from your certificate before the term ends, there is an early withdrawal fee, which could result in the loss of some of the dividends earned.
What happens when my certificate matures?
When your certificate matures, you’ll have the option to withdraw funds, renew the certificate at the rate/term you select, or transfer the funds out. If you do not specify your preference within 10 business days of your certificate maturing, Arkansas Federal will automatically roll over your funds into another certificate at the floor rate.
