What is a Share Certificate?
Learn about share certificates and how opening one can benefit you.
Read MoreCertificates
Available for Personal, IRA, & Business.
Want a guaranteed way to grow your savings? Then check out our newest certificate specials! Enjoy unbeatable stability and one of the best rates in the market. Plus, your money is federally insured by NCUA, giving you complete peace of mind.APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. Certificate special rates are effective as of 04/12/2025 at 4.50% APY for 6 months and 4.15% APY for 13 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. It’s a simple, stress-free way to grow your savings.
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. Certificates are federally insured by NCUA. Rates and terms are effective as of 02/02/2024. Refer to the consumer 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 consumer 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 consumer 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 consumer 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 consumer 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 consumer 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. Your funds are federally insured up to $250,000, and with a fixed rate, you’ll know exactly how much you’ll earn. Just keep your money in for the agreed-upon term, then sit back, relax, and watch your money grow.
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 calendar days of your certificate maturing, Arkansas Federal will automatically roll over your funds into another certificate at the floor rate.
