Credit union · NCUA insured
Arkansas Federal Credit Union CD Rates
Arkansas Federal Credit Union’s best CD rate is 4.50% APY on a 2-year share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 22, 2026.
How Arkansas Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Little Rock, AR, where Arkansas Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Special Certificate
Top rate
Hurricane Creek Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $450
3rd-highest rate
First Community Bank
4.45%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $521
Arkansas Federal Credit Union CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.30%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Arkansas Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate
Up to 4.50%APY · 9 terms
Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal. Rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.70% | $17 |
| 6–11 months | 0.70% | $35 |
| 12–23 months | 1.20% | $120 |
| 24–35 months | 4.50% | $920 |
| 36–47 months | 4.50% | $1,412 |
| 48–59 months | 4.50% | $1,925 |
| 60–71 months | 4.50% | $2,462 |
| 72–83 months | 1.20% | $742 |
| 84–Unknown months | 1.20% | $871 |
Sources (1)
- afcu.org/wp-content/uploads/2021/08/Consumer-Rates.pdf · captured Oct 9, 2026
Regular Certificate
Up to 4.50%APY · 10 terms
Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal. Rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.50% | $12 |
| 6–11 months | 0.50% | $25 |
| 12–23 months | 1.00% | $100 |
| 24–71 months | 4.50% | $920 |
| 24–35 months | 4.50% | $920 |
| 36–47 months | 4.50% | $1,412 |
| 48–59 months | 4.50% | $1,925 |
| 60–71 months | 4.50% | $2,462 |
| 72–83 months | 1.00% | $615 |
| 84–Unknown months | 1.00% | $721 |
Sources (2)
All captured Oct 9, 2026
Special Certificate
Up to 4.50%APY · 2 terms
Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal. Rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.30% | $213 |
| 12 months | 4.50% | $450 |
Sources (2)
All captured Oct 9, 2026
Special-purpose accounts
IRA Certificate
Up to 4.50%APY · 9 terms
IRA transactions are subject to IRS rules and regulations. Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal and/or IRA age requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.50% | $12 |
| 6–11 months | 0.50% | $25 |
| 12–23 months | 1.00% | $100 |
| 24–35 months | 4.50% | $920 |
| 36–47 months | 4.50% | $1,412 |
| 48–59 months | 4.50% | $1,925 |
| 60–71 months | 4.50% | $2,462 |
| 72–83 months | 1.00% | $615 |
| 84–Unknown months | 1.00% | $721 |
Sources (2)
All captured Oct 9, 2026
Jumbo IRA Certificate
Up to 4.50%APY · 9 terms
IRA transactions are subject to IRS rules and regulations. Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal and/or IRA age requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 months | 0.70% | $17 |
| 6–11 months | 0.70% | $35 |
| 12–23 months | 1.20% | $120 |
| 24–35 months | 4.50% | $920 |
| 36–47 months | 4.50% | $1,412 |
| 48–59 months | 4.50% | $1,925 |
| 60–71 months | 4.50% | $2,462 |
| 72–83 months | 1.20% | $742 |
| 84–Unknown months | 1.20% | $871 |
Sources (1)
- afcu.org/wp-content/uploads/2021/08/Consumer-Rates.pdf · captured Oct 9, 2026
Special IRA Certificate
Up to 4.50%APY · 2 terms
IRA transactions are subject to IRS rules and regulations. Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal and/or IRA age requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.30% | $213 |
| 12 months | 4.50% | $450 |
Sources (2)
All captured Oct 9, 2026
Who can join Arkansas Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Arkansas Federal partners with the Arkansas chapter of the American Consumer Council to allow Arkansans to be eligible for membership, with Arkansas Federal paying the one-time $10 ACC joining fee on the applicant's behalf.
Where you live or work
- Individuals who live or work in Arkansas are eligible for membership.
Employers and groups
- Employees or members of one of more than 700 partner employers and organizations (even if living outside Arkansas) may be eligible for membership.
Family and household
- Individuals who have a family member who is a member are eligible for membership.
Cost to join
- The one-time $10 American Consumer Council joining fee is paid by Arkansas Federal on the applicant's behalf.
- Members must open a 'share' savings account and maintain a one-time $5 membership deposit balance.
Membership information collected October 4, 2026.