Credit union · NCUA insured
UARK Federal Credit Union CD Rates
UARK Federal Credit Union’s best CD rate is 3.04% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How UARK Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Fayetteville, AR, where UARK Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UARK Federal Credit Union
3.04%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $304
Share Certificate
Top rate
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
First Community Bank
4.45%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $521
UARK Federal Credit Union CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo3.04%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.04%
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 UARK 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.
Share Certificate
Up to 3.04%APY · 6 terms
Early withdrawal penalties may apply. Rates are subject to change. Fixed dividend rate. Rates effective as of February 19, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.78% | $138 |
| 12 months | 3.04% | $304 |
| 18 months | 3.04% | $459 |
| 24 months | 3.04% | $617 |
| 30 months | 3.04% | $777 |
| 36 months | 3.04% | $940 |
Sources (1)
- uarkfcu.com/certificates · captured Oct 4, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.04%APY · 6 terms
Available for Traditional and Roth IRAs. Income limits and retirement distribution/contribution rules apply. Early withdrawal penalties may apply. Rates effective as of February 19, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.78% | $138 |
| 12 months | 3.04% | $304 |
| 18 months | 3.04% | $459 |
| 24 months | 3.04% | $617 |
| 30 months | 3.04% | $777 |
| 36 months | 3.04% | $940 |
Sources (1)
- uarkfcu.com/individual-retirement-account · captured Oct 4, 2026
Who can join UARK Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, attends school, owns a business, or volunteers within the City of Fayetteville is eligible for membership.
Employers and groups
- Employees who work for a UARK Preferred Business partner are eligible for membership.
Family and household
- Immediate family members of a UARK Federal Credit Union member are eligible for membership.
Other ways
- Individuals can become eligible for membership by joining the Humane Society of the Ozarks through a $25 donation.
Cost to join
- A $25 donation to become a Humane Society of the Ozarks member qualifies an individual for credit union membership.
Membership information collected October 4, 2026.