Business Certificates

If you’re looking for a safe place to put your hard-earned money, a certificate is a great option. Certificates offer NCUA-insured protection, while earning your business a higher dividend rate than traditional business savings accounts. Lock in one or more certificates today and turn your savings into earnings. Simply pick your term, and your funds earn a guaranteed fixed rate.

Certificate Specials

5-Month Special

4.⁴⁵

%

APY1

No Service Fees

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

Predictable Returns

Because this account is not subject to market risks, your money will earn fixed, predictable returns.APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rates are effective as of 11/08/2024 at 4.45% APY for 5 months. Offer and rate are subject to change. 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.

Your Terms

Choose your term – from 3 months to 48 or more – and let your certificate go to work for you.

Terms & Fees

Term	Fee
Low minimum opening deposit	$1,000
Minimum daily balance	$1,000+ (your daily balance will depend on the opening deposit and will continue to grow)
Monthly low balance fee	None
Monthly service fee	$0

Tiered Business Certificate Rates

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. Refer to the business 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. Refer to the business 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. Refer to the business 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. Refer to the business 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. Refer to the business 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. Refer to the business 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.

View Business Rates Download

Frequently Asked Questions

How can I open an Arkansas Federal business certificate?

Opening a business certificate with Arkansas Federal is easy! Just drop by any of our branches and our friendly staff will be happy to assist you. We’ll help you find the perfect certificate for your business.

What is the minimum opening balance for a business certificate?

To get started with a business certificate, you’ll need a minimum opening balance of $1,000.

Do you automatically renew business certificates at the time of maturity?

Yes, we automatically renew at the prevailing non-special terms and conditions when it matures unless you let us know otherwise. To avoid renewal, let us know within 10 days of the maturity date—before or after—and we’ll handle it for you. If you have any preferences or questions, just reach out and we’ll assist you!

Will there be a penalty charged for early withdrawal of my money?

Yes, there may be a penalty if you withdraw funds from your business certificate early. The penalty details depend on your certificate’s terms. For specific information, you can check your certificate agreement or get in touch with us directly.

Can I add funds to my business certificate after it’s been opened?

Unfortunately, once a business certificate is opened, you typically can’t add additional funds until it matures. If you want to make more deposits, you might consider opening a new certificate or exploring other account options that allow for additional contributions. If you have any questions or need help with your account, just reach out to us—we’re here to help!