Credit union · NCUA insured
Cotton Belt FCU CD Rates
Cotton Belt FCU’s best CD rate is 3.25% APY on an 18-month share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 22, 2026.
How Cotton Belt FCU’s CD rates compare
Compared with banks and credit unions near Pine Bluff, AR, where Cotton Belt FCU has the most branches. $10,000, best rate first.
This credit union’s best
Cotton Belt FCU
3.25%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $491
Share Certificate
Top rate
Stone Bank
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
Bank of America
3.75%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $217
Cotton Belt FCU CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo1.75%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.25%
- QualifiedQualified3.25%
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 Cotton Belt FCU 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.
Share Certificate
Up to 3.25%APY · 5 terms
Share Certificates compound monthly and are subject to an early withdrawal penalty. Minimum opening balance of $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires a minimum balance of $500 to open. Compounds monthly. Subject to early withdrawal penalty | 1.00% | $25 |
| 6 monthsRequires a minimum balance of $500 to open. Compounds monthly. Subject to early withdrawal penalty | 1.75% | $87 |
| 12 monthsRequires a minimum balance of $500 to open. Compounds monthly. Subject to early withdrawal penalty | 3.00% | $300 |
| 18 monthsRequires a minimum balance of $500 to open. Compounds monthly. Subject to early withdrawal penalty | 3.25% | $491 |
| 24 monthsRequires a minimum balance of $500 to open. Compounds monthly. Subject to early withdrawal penalty | 2.74% | $556 |
Sources (3)
All captured Sep 19, 2026
Who can join Cotton Belt FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Jefferson, Lonoke, Cleveland, or Lincoln County.
Employers and groups
- Membership is open to members of the Cotton Belt Historical Society.
Military, government and schools
- Membership is open to employees and students of the University of Arkansas at Pine Bluff (UAPB).
Family and household
- Membership is open to family members of Cotton Belt FCU members, such as spouses, grandparents, stepchildren, and other relatives.
Cost to join
- Opening an account requires a deposit of at least $5 for a savings account.
Membership information collected October 4, 2026.