Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–12 results in Hot Springs, AR metro
- 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal. Rates subject to change.
4.41% interest rate · Effective Oct 9, 2026
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More details - Arkansas Federal Credit UnionRegular CertificateCD · 24–71 months · $1,000 min
Credit union · 1 branch
4.50%APYRequirements
Product: Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal. Rates subject to change.
Effective Oct 9, 2026
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More details - 4.20%APY$278 over 8 months on $10,000
4.14% interest rate · Effective Jun 30, 2026
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More details - 4.15%APY$847 over 24 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Certificate rates are subject to change weekly.
4.09% interest rate
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More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
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More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 3 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - 3.50%APY$203 over 7 months on $10,000
Effective Nov 4, 2025
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - Combined FCUShare CertificatesCD · 12 months · $500 min · 2.53%–2.78% by balance
Credit union · 1 branch
2.78%APY$278 over 1 year on $10,0002.50% interest rate · Effective Jun 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 2.53% $10,000 and upYour amount 2.78% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Hot Springs, AR metro
60 CDs at 7 banks and credit unions · checked Oct 6–22
- Typical
- 1.00%
- Top 10% from
- 4.32%
- Banks, typical
- 0.25%
- Credit unions, typical
- 2.35%
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Arkansas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Barksdale Federal Credit UnionCredit union · 5 branches
- TruService Community FCUCredit union · 3 branches
- Telcoe Federal Credit UnionCredit union · 4 branches