Arkansas Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Arkansas CD rates range from 0.05% to 4.95% APY, verified by MonitorBankRates as of October 23, 2026. Current Arkansas CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1114 N Missouri St, West Memphis, AR 72301 2614A5.0 ★Texas Ratio: 7.78%Real return: +1.25%APY minus CPIRate verified Oct 19, 2026 offering Jumbo Share Certificate 60-Month at 4.95% APY, Hurricane Creek Federal Credit UnionHurricane Creek Federal Credit Union1114 FERGUSON DR, BENTON, AR 72015 3528A+5.0 ★Texas Ratio: 3.35%Real return: +0.80%APY minus CPIRate verified Oct 23, 2026 offering 12 Month Shared Certificate at 4.50% APY, TruService Community Federal Credit UnionTruService Community Federal Credit Union11001 Hermitage Rd, LIttle Rock, AR 72211A+5.0 ★Texas Ratio: 3.95%Real return: +0.80%APY minus CPIRate verified Oct 23, 2026 offering 18 Month Jumbo Share and IRA Certificate - Fixed at 4.50% APY, Academy BankAcademy Bank4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758A+5.0 ★Texas Ratio: 5.08%Real return: +0.70%APY minus CPIRate verified Oct 22, 2026 offering 18 Month Certificate of Deposit at 4.40% APY, and Red River Employees Federal Credit UnionRed River Employees Federal Credit Union1513 N Hervey St, Hope, AR 71801A+5.0 ★Texas Ratio: 4.75%Real return: +0.63%APY minus CPIRate verified Oct 23, 2026 offering 6 Month TEAL Certificate (Age 13-17) at 4.33% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Arkansas side-by-side. Arkansas CD rates currently reach as high as 4.95% APY from Hope Federal Credit Union Jackson, MS at 1114 N Missouri St, West Memphis, AR 72301 2614. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Arkansas
Arkansas 3 Month CD Rates
MonitorBankRates Arkansas Average · 3 Month CD1.70% APY▼ 0.07% from last weekNational 2.13%
The average 3-month CD rate in Arkansas is 1.70% APY, compared with 2.13% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
200 E Ridge Ave, Harrison, AR 72601
3-Month CD
$1,000
4.00%
▲ 2.30% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.70%▲ 2.30% above avgNationally 2.13%
Details
Interest credited At Maturity; Account maximum $500,000; FDIC insured
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
3 Month Share Certificate
$500
3.82%
▲ 2.12% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.70%▲ 2.12% above avgNationally 2.13%
Details
Balance: $50,000-$99,999
Rate History
1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 6, 20263.82%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
3 Month Share Certificate
$500
3.66%
▲ 1.96% above Arkansas avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.70%▲ 1.96% above avgNationally 2.13%
Details
Balance: $10,000-$19,999
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.66% ▲ 0.36 pts · high 3.66% / low 3.30%
- Oct 6, 20263.66%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
3 Month Share Certificate
$500
3.51%
▲ 1.81% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.70%▲ 1.81% above avgNationally 2.13%
Details
Balance: $500-$999
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30%
- Oct 6, 20263.51%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
3 Month Share Certificate
$500
3.50%
▲ 1.80% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.70%▲ 1.80% above avgNationally 2.13%
Details
Balance: $1,000-$9,999
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 6, 20263.50%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2522 S Pinnacle Hills Pkwy, Rogers, AR 72758
3-Month CD
$1,000
3.40%
▲ 1.70% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.70%▲ 1.70% above avgNationally 2.13%
Details
Penalty for early withdrawal applies; many interest payment options available
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
600 W Main St, Jacksonville, AR 72076
90-Day CD
$500
3.20%
▲ 1.50% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.70%▲ 1.50% above avgNationally 2.13%
Details
Automatically renews for 90 days; Early withdrawal penalty may apply; APY accurate as of 12/17/2025
Rate History
No change since Sep 8, 2026 · 3.20% APY · checked 12 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificate - 3 Month
$0
3.00%
▲ 1.30% above Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.70%▲ 1.30% above avgNationally 2.13%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
CD - 3 Month
$0
2.94%
▲ 1.24% above Arkansas avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.70%▲ 1.24% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 7 times
Fidelity Bank West Memphis, AR
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
330 W Broadway St, West Memphis, AR 72301
14 - 90 Day Certificate of Deposit
$500
2.10%
▲ 0.40% above Arkansas avg
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average1.70%▲ 0.40% above avgNationally 2.13%
Details
Balance: $500-$99,000; *Maintenance or fees may reduce earnings
Rate History
No change since Oct 22, 2026 · 2.10% APY · checked 2 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
1 - 3 Month CD
$1,000
2.03%
▲ 0.33% above Arkansas avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average1.70%▲ 0.33% above avgNationally 2.13%
Details
Rate History
No change since Oct 3, 2026 · 2.03% APY · checked 7 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7301 Rogers Ave, Fort Smith, AR 72903
3 Month Certificates of Deposit
$1,000
2.00%
▲ 0.30% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.70%▲ 0.30% above avgNationally 2.13%
Details
Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 3 Months - With Bonus Rate
$0
1.60%
▼ 0.10% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average1.70%▼ 0.10% below avgNationally 2.13%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 1.60% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 3 Months - Bonus Rate
$0
1.60%
▼ 0.10% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average1.70%▼ 0.10% below avgNationally 2.13%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 1.60% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 3 Months
$0
1.50%
▼ 0.20% below Arkansas avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average1.70%▼ 0.20% below avgNationally 2.13%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 3 Months
$0
1.50%
▼ 0.20% below Arkansas avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average1.70%▼ 0.20% below avgNationally 2.13%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 1.50% APY · checked 2 times
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
3 Month Share Certificate
$0
1.21%
▼ 0.49% below Arkansas avg
▼
Rate1.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average1.70%▼ 0.49% below avgNationally 2.13%
Details
Balance: $10,000 and over
Rate History
No change since Oct 22, 2026 · 1.21% APY
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
3 Month Share Certificate
$0
1.11%
▼ 0.59% below Arkansas avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average1.70%▼ 0.59% below avgNationally 2.13%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 22, 2026 · 1.11% APY
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
3 Month Certificate of Deposit
$0
1.00%
▼ 0.70% below Arkansas avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.70%▼ 0.70% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
90 Day CD
$0
0.95%
▼ 0.75% below Arkansas avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.70%▼ 0.75% below avgNationally 2.13%
Details
Available as an I.R.A. account; Certificates of Deposit subject to early withdrawal penalty
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.10% below Arkansas avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.70%▼ 1.10% below avgNationally 2.13%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.20% below Arkansas avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.70%▼ 1.20% below avgNationally 2.13%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
90 Day IRA Certificate of Deposit
$100
0.45%
▼ 1.25% below Arkansas avg
▼
Rate0.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average1.70%▼ 1.25% below avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 0.45% APY · checked 2 times
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
90 Day Certificate of Deposit
$500
0.35%
▼ 1.35% below Arkansas avg
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average1.70%▼ 1.35% below avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 0.35% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1301 Arkansas Blvd, Texarkana, AR 71854
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.64% below Arkansas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.70%▼ 1.64% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
90 Day Standard CD Products
$1,000
0.06%
▼ 1.64% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.70%▼ 1.64% below avgNationally 2.13%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1301 Arkansas Blvd, Texarkana, AR 71854
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.65% below Arkansas avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.70%▼ 1.65% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
125 W Broadway, West Memphis, AR 72301
3 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 1.65% below Arkansas avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average1.70%▼ 1.65% below avgNationally 2.13%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
90 Day Regular CD Account
$0
0.05%
▼ 1.65% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.70%▼ 1.65% below avgNationally 2.13%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Arkansas 6 Month CD Rates
MonitorBankRates Arkansas Average · 6 Month CD2.56% APY▼ 0.06% from last weekNational 2.78%
The average 6-month CD rate in Arkansas is 2.56% APY, compared with 2.78% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
6 Month TEAL Certificate (Age 13-17)
$250
4.33%
▲ 1.77% above Arkansas avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 1.77% above avgNationally 2.78%
Details
Ages: 13-17; Dividends Credited/Compounded: Monthly
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
6-Month TEAL Certificate for Teens
$250
4.33%
▲ 1.77% above Arkansas avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 1.77% above avgNationally 2.78%
Details
Ages: 13-17; Teens Earning And Learning; APY compounded monthly
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
Share Certificate - 6 Months
$500
4.33%
▲ 1.77% above Arkansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 1.77% above avgNationally 2.78%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1114 FERGUSON DR, BENTON, AR 72015 3528
6 Month Shared Certificate
$500
4.30%
▲ 1.74% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 1.74% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
1 change since Oct 9, 2026 · 3.52% → 4.30% ▲ 0.78 pts · high 4.30% / low 3.52%
- Oct 23, 20264.30%▲ from 3.52%
- Oct 9, 20263.52%first recorded
First Service Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
134 S Broadview St, Greenbrier, AR 72058
6-Month CD
$10,000
4.15%
▲ 1.59% above Arkansas avg
▼
Rate4.09%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.56%▲ 1.59% above avgNationally 2.78%
Details
Certificates of Deposit Account; APY accurate as of 9-1-26; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate 6 Months
$0
4.07%
▲ 1.51% above Arkansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 1.51% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 3 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
Share Certificate/IRA Share Certificate - 6 months
$1,000
4.00%
▲ 1.44% above Arkansas avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 1.44% above avgNationally 2.78%
Details
Rate History
No change since Oct 23, 2026 · 4.00% APY
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Certificate Account - 6 Months
$1,000
4.00%
▲ 1.44% above Arkansas avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 1.44% above avgNationally 2.78%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
6 Month Share Certificate
$0
4.00%
▲ 1.44% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 1.44% above avgNationally 2.78%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 6 Months
$2,500
3.90%
▲ 1.34% above Arkansas avg
▼
Rate3.83%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 1.34% above avgNationally 2.78%
Details
Compounded Monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1100 N Illinois St, Harrisburg, AR 72432
Certificates of Deposit - 6 MO
$1,000
3.82%
▲ 1.26% above Arkansas avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.56%▲ 1.26% above avgNationally 2.78%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.82% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
6 Month Share Certificate
$500
3.82%
▲ 1.26% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▲ 1.26% above avgNationally 2.78%
Details
Balance: $50,000-$99,999
Rate History
1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 6, 20263.82%▲ from 3.56%
- Sep 18, 20263.56%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
6 Month CD
$1,000
3.80%
▲ 1.24% above Arkansas avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.56%▲ 1.24% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 11 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
6 Month Share Certificate
$500
3.66%
▲ 1.10% above Arkansas avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▲ 1.10% above avgNationally 2.78%
Details
Balance: $10,000-$19,999
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.66% ▲ 0.36 pts · high 3.66% / low 3.30%
- Oct 6, 20263.66%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
100 W Grove St, El Dorado, AR 71730
6-month CD
$50,000
3.65%
▲ 1.09% above Arkansas avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.56%▲ 1.09% above avgNationally 2.78%
Details
Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 5 times
Fidelity Bank West Memphis, AR
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
330 W Broadway St, West Memphis, AR 72301
6 Month IRA (Fixed) Certificate of Deposit
$500
3.60%
▲ 1.04% above Arkansas avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.56%▲ 1.04% above avgNationally 2.78%
Details
IRA (Fixed) $500 Minimum; *Maintenance or fees may reduce earnings
Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
6 Month Share Certificate
$500
3.51%
▲ 0.95% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▲ 0.95% above avgNationally 2.78%
Details
Balance: $500-$999
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30%
- Oct 6, 20263.51%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
6 Month Certificate of Deposit
$0
3.50%
▲ 0.94% above Arkansas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.56%▲ 0.94% above avgNationally 2.78%
Details
$500 minimum balance required; penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
6 Month Share Certificate
$500
3.50%
▲ 0.94% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▲ 0.94% above avgNationally 2.78%
Details
Balance: $1,000-$9,999
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 6, 20263.50%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2522 S Pinnacle Hills Pkwy, Rogers, AR 72758
6-Month CD
$1,000
3.40%
▲ 0.84% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.56%▲ 0.84% above avgNationally 2.78%
Details
Penalty for early withdrawal applies; many interest payment options available
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
Share Certificate - 6 Months
$500
3.40%
▲ 0.84% above Arkansas avg
▼
Rate3.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 0.84% above avgNationally 2.78%
Details
$500 minimum investment
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 10 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 6-month
$0
3.40%
▲ 0.84% above Arkansas avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▲ 0.84% above avgNationally 2.78%
Details
Rates accurate as of 10/18/2026; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 6 Month
$0
3.27%
▲ 0.71% above Arkansas avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 0.71% above avgNationally 2.78%
Details
Dividend Rate 3.24%
Rate History
No change since Sep 18, 2026 · 3.27% APY · checked 6 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
CD - 6 Month
$0
3.20%
▲ 0.64% above Arkansas avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.56%▲ 0.64% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
6 Month Certificate
$500
3.02%
▲ 0.46% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.56%▲ 0.46% above avgNationally 2.78%
Details
Interest rates current as of 12/15/25; penalty may be imposed for early withdrawal
Rate History
No change since Sep 7, 2026 · 3.02% APY · checked 11 times
Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1125 Military Rd, Benton, AR 72015
6-Month Certificate
$1,000
3.00%
▲ 0.44% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 0.44% above avgNationally 2.78%
Details
Fixed rate for the term of the Certificate, Certificate does not automatically renew.
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2301 S University Ave, Little Rock, AR 72204 4940
6-Month Share Certificate
$0
3.00%
▲ 0.44% above Arkansas avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 0.44% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
Share Certificates (CDs) - 6 Months
$0
3.00%
▲ 0.44% above Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▲ 0.44% above avgNationally 2.78%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
600 W Main St, Jacksonville, AR 72076
6-Month CD
$500
2.95%
▲ 0.39% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.56%▲ 0.39% above avgNationally 2.78%
Details
Automatically renews for 6 months; Early withdrawal penalty may apply; Maximum online account opening deposit is $25,000; APY accurate as of 12/17/2025
Rate History
No change since Sep 8, 2026 · 2.95% APY · checked 12 times
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
6 Month Share & IRA Certificates
$500
2.78%
▲ 0.22% above Arkansas avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▲ 0.22% above avgNationally 2.78%
Details
Dividend Rate 2.75%
Rate History
No change since Oct 23, 2026 · 2.78% APY
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificate - 6 Month
$0
2.75%
▲ 0.19% above Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▲ 0.19% above avgNationally 2.78%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7301 Rogers Ave, Fort Smith, AR 72903
6 Month Certificates of Deposit
$1,000
2.50%
▼ 0.06% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▼ 0.06% below avgNationally 2.78%
Details
Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
6 Month Certificate of Deposit
$0
2.42%
▼ 0.14% below Arkansas avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▼ 0.14% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.42% APY · checked 8 times
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
6 Month Share Certificate
$0
2.32%
▼ 0.24% below Arkansas avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.56%▼ 0.24% below avgNationally 2.78%
Details
Balance: $10,000 and over
Rate History
No change since Oct 22, 2026 · 2.32% APY
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
6 Month Share Certificate
$0
2.27%
▼ 0.29% below Arkansas avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.56%▼ 0.29% below avgNationally 2.78%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 22, 2026 · 2.27% APY
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1001 S 21st St, FORT SMITH, AR 72901 4007
6-Month Share Certificate
$0
2.00%
▼ 0.56% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▼ 0.56% below avgNationally 2.78%
Details
$500 minimum required to open a share or IRA certificate; dividends compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 9 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 6 Months - With Bonus Rate
$0
1.65%
▼ 0.91% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▼ 0.91% below avgNationally 2.78%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 1.65% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 6 Months - Bonus Rate
$0
1.65%
▼ 0.91% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▼ 0.91% below avgNationally 2.78%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 1.65% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 6 Months
$0
1.55%
▼ 1.01% below Arkansas avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▼ 1.01% below avgNationally 2.78%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.55% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 6 Months
$0
1.55%
▼ 1.01% below Arkansas avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▼ 1.01% below avgNationally 2.78%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 1.55% APY · checked 2 times
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
6 Month Jumbo Share and IRA Certificate - Fixed
$100,000
1.55%
▼ 1.01% below Arkansas avg
▼
Rate1.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▼ 1.01% below avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 1.55% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
180 Day Standard CD Products
$1,000
1.50%
▼ 1.06% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.56%▼ 1.06% below avgNationally 2.78%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 6 Months
$1,000
1.50%
▼ 1.06% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.56%▼ 1.06% below avgNationally 2.78%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
7301 E County Road 142, Blytheville, AR 72315 6917
Share Certificates - 6 Months
$1,000
1.40%
▼ 1.16% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▼ 1.16% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
6 Month Standard CDs - Rewards
$0
1.35%
▼ 1.21% below Arkansas avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▼ 1.21% below avgNationally 2.78%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.35% APY · checked 2 times
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
6-Month CD
$500
1.31%
▼ 1.25% below Arkansas avg
▼
Rate1.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▼ 1.25% below avgNationally 2.78%
Details
Rate History
No change since Oct 9, 2026 · 1.31% APY · checked 4 times
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
6 Month Share and IRA Certificate - Fixed
$1,000
1.30%
▼ 1.26% below Arkansas avg
▼
Rate1.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.56%▼ 1.26% below avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 1.30% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
6 Month Standard CDs - Regular
$0
1.25%
▼ 1.31% below Arkansas avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.56%▼ 1.31% below avgNationally 2.78%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
6 Month CD
$0
1.00%
▼ 1.56% below Arkansas avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.56%▼ 1.56% below avgNationally 2.78%
Details
Available as an I.R.A. account; Certificates of Deposit subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
6 Month IRA Certificate of Deposit
$100
0.85%
▼ 1.71% below Arkansas avg
▼
Rate0.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.56%▼ 1.71% below avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 0.85% APY · checked 2 times
Arkansas 12 Month CD Rates
MonitorBankRates Arkansas Average · 12 Month CD2.91% APY▼ 0.09% from last weekNational 2.99%
The average 12-month CD rate in Arkansas is 2.91% APY, compared with 2.99% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
Jumbo Share Certificate 12-Month
$95,000
4.53%
▲ 1.62% above Arkansas avg
▼
Rate4.43%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 1.62% above avgNationally 2.99%
Details
Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.53% ▲ 0.46 pts · high 4.53% / low 4.07%
- Oct 9, 20264.53%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1114 FERGUSON DR, BENTON, AR 72015 3528
12 Month Shared Certificate
$500
4.50%
▲ 1.59% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 1.59% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
1 change since Oct 9, 2026 · 3.62% → 4.50% ▲ 0.88 pts · high 4.50% / low 3.62%
- Oct 23, 20264.50%▲ from 3.62%
- Oct 9, 20263.62%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
Share Certificate - 12 Months
$500
4.33%
▲ 1.42% above Arkansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 1.42% above avgNationally 2.99%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
Producers Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
301 N 2nd St, Mcgehee, AR 71654
12 Month CD
$0
4.25%
▲ 1.34% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.91%▲ 1.34% above avgNationally 2.99%
Details
Homepage promotional banner: Grow your savings with a 12-month CD earning 4.25% APY
Rate History
1 change since Sep 11, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 11, 20264.00%first recorded
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Plus Point Certificate - 12 Months
$1,000
4.25%
▲ 1.34% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 1.34% above avgNationally 2.99%
Details
Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
12 Month Certificate of Deposit
$500
4.20%
▲ 1.29% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.91%▲ 1.29% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 2, 20264.20%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
Share Certificate/IRA Share Certificate - 12 months
$1,000
4.10%
▲ 1.19% above Arkansas avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 1.19% above avgNationally 2.99%
Details
Rate History
No change since Oct 23, 2026 · 4.10% APY
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
1 Year CD
$1,000
4.07%
▲ 1.16% above Arkansas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.91%▲ 1.16% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.29% → 4.07% ▲ 0.78 pts · high 4.07% / low 3.29%
- Oct 3, 20264.07%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate 12 Months
$0
4.07%
▲ 1.16% above Arkansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 1.16% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 3 times
Texana Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
502 Arkansas Blvd, Texarkana, AR 71854
CD Special - 12 Month Term
$0
4.00%
▲ 1.09% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.91%▲ 1.09% above avgNationally 2.99%
Details
Limited Time Offer
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Certificate Account - 12 Months
$1,000
4.00%
▲ 1.09% above Arkansas avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 1.09% above avgNationally 2.99%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
IRA Certificate 12 Months
$1,000
4.00%
▲ 1.09% above Arkansas avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 1.09% above avgNationally 2.99%
Details
Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
12 Month Share Certificate
$0
4.00%
▲ 1.09% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 1.09% above avgNationally 2.99%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
12 Month Youth Share Certificates
$0
4.00%
▲ 1.09% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 1.09% above avgNationally 2.99%
Details
Balance: Under $10,000; APY shown as 4.00% + Youth Bonus (bonus amount not stated)
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 4 times
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
Certificate Specials - 12 MONTHS
$0
4.00%
▲ 1.09% above Arkansas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.91%▲ 1.09% above avgNationally 2.99%
Details
Certificate special; Rates column printed without % sign
Rate History
No change since Oct 22, 2026 · 4.00% APY
Fidelity Bank West Memphis, AR
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
330 W Broadway St, West Memphis, AR 72301
1 Year Certificate of Deposit
$500
3.90%
▲ 0.99% above Arkansas avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.91%▲ 0.99% above avgNationally 2.99%
Details
Balance: $500-$99,000; *Maintenance or fees may reduce earnings
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Fidelity Bank West Memphis, AR
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
330 W Broadway St, West Memphis, AR 72301
12 Month IRA (Fixed) Certificate of Deposit
$500
3.90%
▲ 0.99% above Arkansas avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.91%▲ 0.99% above avgNationally 2.99%
Details
IRA (Fixed) $500 Minimum; *Maintenance or fees may reduce earnings
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
IRA Share 12 Months
$500
3.85%
▲ 0.94% above Arkansas avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 0.94% above avgNationally 2.99%
Details
IRA Share (variable); $500 min.
Rate History
No change since Oct 15, 2026 · 3.85% APY · checked 2 times
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 12 Months
$2,500
3.85%
▲ 0.94% above Arkansas avg
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 0.94% above avgNationally 2.99%
Details
Compounded Monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
12 Month Share Certificate
$500
3.82%
▲ 0.91% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.91% above avgNationally 2.99%
Details
Balance: $50,000-$99,999
Rate History
1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 6, 20263.82%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
Share Certificate - 12 Months
$500
3.75%
▲ 0.84% above Arkansas avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 0.84% above avgNationally 2.99%
Details
$500 minimum investment
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 12-month
$0
3.70%
▲ 0.79% above Arkansas avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.79% above avgNationally 2.99%
Details
Rates accurate as of 10/18/2026; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
12 Month Share Certificate
$500
3.66%
▲ 0.75% above Arkansas avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.75% above avgNationally 2.99%
Details
Balance: $10,000-$19,999
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.66% ▲ 0.36 pts · high 3.66% / low 3.30%
- Oct 6, 20263.66%▲ from 3.30%
- Sep 18, 20263.30%first recorded
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 1 Year Jumbo
$0
3.54%
▲ 0.63% above Arkansas avg
▼
Rate3.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 0.63% above avgNationally 2.99%
Details
Jumbo; Dividend Rate 3.48%
Rate History
No change since Sep 18, 2026 · 3.54% APY · checked 6 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
CD - 12 Month
$0
3.51%
▲ 0.60% above Arkansas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.91%▲ 0.60% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 7 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
12 Month Share Certificate
$500
3.51%
▲ 0.60% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.60% above avgNationally 2.99%
Details
Balance: $1,000-$9,999
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30%
- Oct 6, 20263.51%▲ from 3.30%
- Sep 18, 20263.30%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
12 Month IRA Fixed
$100
3.50%
▲ 0.59% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.91%▲ 0.59% above avgNationally 2.99%
Details
APY based on interest paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
12 Month IRA Variable
$100
3.50%
▲ 0.59% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.91%▲ 0.59% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2301 S University Ave, Little Rock, AR 72204 4940
12-Month Share Certificate
$0
3.50%
▲ 0.59% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 0.59% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7301 Rogers Ave, Fort Smith, AR 72903
12 Month Certificates of Deposit
$1,000
3.50%
▲ 0.59% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.59% above avgNationally 2.99%
Details
Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
12 Month Share Certificate
$500
3.50%
▲ 0.59% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.59% above avgNationally 2.99%
Details
Balance: $500-$999
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 6, 20263.50%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
12 Month Certificate of Deposit
$0
3.49%
▲ 0.58% above Arkansas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.58% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 8 times
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
7301 E County Road 142, Blytheville, AR 72315 6917
12 Month Share Certificate
$1,000
3.40%
▲ 0.49% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.49% above avgNationally 2.99%
Details
Minimum certificate deposit: $1,000
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
7301 E County Road 142, Blytheville, AR 72315 6917
Share Certificates - 12 Months
$1,000
3.40%
▲ 0.49% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.49% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 1 Year
$0
3.28%
▲ 0.37% above Arkansas avg
▼
Rate3.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 0.37% above avgNationally 2.99%
Details
Dividend Rate 3.23%
Rate History
No change since Sep 18, 2026 · 3.28% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
125 W Broadway, West Memphis, AR 72301
12 Month CD Special
$0
3.25%
▲ 0.34% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 0.34% above avgNationally 2.99%
Details
Special rate on select new CD accounts for balances $100,000 and above; open with a Truist banker; renews at the standard rate (0.05% APY)
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1001 S 21st St, FORT SMITH, AR 72901 4007
1-Year Share Certificate
$0
3.25%
▲ 0.34% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 0.34% above avgNationally 2.99%
Details
$500 minimum required to open a share or IRA certificate; dividends compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
Share Certificate 12-Month
$1,000
3.04%
▲ 0.13% above Arkansas avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.13% above avgNationally 2.99%
Details
Share Certificates (CDs) ($1,000 Minimum); Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 8 times
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
12 Month Share & IRA Certificates
$500
3.04%
▲ 0.13% above Arkansas avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.91%▲ 0.13% above avgNationally 2.99%
Details
Dividend Rate 3.00%
Rate History
No change since Oct 23, 2026 · 3.04% APY
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Roth & Educational IRA Share Certificate - 12 Month
$0
3.00%
▲ 0.09% above Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.09% above avgNationally 2.99%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard IRA Share Certificate - 12 Month
$0
3.00%
▲ 0.09% above Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.09% above avgNationally 2.99%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificate - 12 Month
$0
3.00%
▲ 0.09% above Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▲ 0.09% above avgNationally 2.99%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
12 Month Share Certificate
$0
2.78%
▼ 0.13% below Arkansas avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.91%▼ 0.13% below avgNationally 2.99%
Details
Balance: $10,000 and over
Rate History
No change since Oct 22, 2026 · 2.78% APY
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
1 Year Certificate
$500
2.77%
▼ 0.14% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.91%▼ 0.14% below avgNationally 2.99%
Details
Interest rates current as of 12/15/25; penalty may be imposed for early withdrawal
Rate History
No change since Sep 7, 2026 · 2.77% APY · checked 11 times
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
IRA 12 Month CD
$500
2.77%
▼ 0.14% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.91%▼ 0.14% below avgNationally 2.99%
Details
IRA CD balance of $500 or more; interest accrued daily at current rate
Rate History
No change since Oct 20, 2026 · 2.77% APY · checked 2 times
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
1 Year Certificate of Deposit
$0
2.75%
▼ 0.16% below Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.91%▼ 0.16% below avgNationally 2.99%
Details
$500 minimum balance required; penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
Share Certificates (CDs) - 12 Months
$0
2.75%
▼ 0.16% below Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.91%▼ 0.16% below avgNationally 2.99%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
12 Month Certificate of Deposit
$500
2.70%
▼ 0.21% below Arkansas avg
▼
Rate2.66%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.91%▼ 0.21% below avgNationally 2.99%
Details
Rate History
No change since Sep 9, 2026 · 2.70% APY · checked 10 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
12 Month IRA Certificate
$200
2.70%
▼ 0.21% below Arkansas avg
▼
Rate2.66%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.91%▼ 0.21% below avgNationally 2.99%
Details
Minimum: $200 (add'l deposits) / $500 (single deposit)
Rate History
No change since Oct 22, 2026 · 2.70% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
12 Month Jumbo Certificate of Deposit
$100,000
2.70%
▼ 0.21% below Arkansas avg
▼
Rate2.66%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.91%▼ 0.21% below avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 2.70% APY
Arkansas 18 Month CD Rates
MonitorBankRates Arkansas Average · 18 Month CD2.90% APY▼ 0.06% from last weekNational 2.88%
The average 18-month CD rate in Arkansas is 2.90% APY, compared with 2.88% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
18 Month Jumbo Share and IRA Certificate - Fixed
$100,000
4.50%
▲ 1.60% above Arkansas avg
▼
Rate4.43%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▲ 1.60% above avgNationally 2.88%
Details
Promotional rate for a limited time on new money only; contact us for restrictions
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
18 Month Certificate of Deposit
$500
4.40%
▲ 1.50% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▲ 1.50% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
- Oct 2, 20264.40%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
Share Certificate - 18 Months
$500
4.33%
▲ 1.43% above Arkansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▲ 1.43% above avgNationally 2.88%
Details
Dividends Credited/Compounded: Monthly
Rate History
No change since Oct 15, 2026 · 4.33% APY · checked 2 times
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
18 Month Share and IRA Certificate - Fixed
$1,000
4.25%
▲ 1.35% above Arkansas avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▲ 1.35% above avgNationally 2.88%
Details
Promotional rate for a limited time on new money only; contact us for restrictions
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1100 N Illinois St, Harrisburg, AR 72432
Certificates of Deposit - 18 MO
$1,000
4.12%
▲ 1.22% above Arkansas avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.90%▲ 1.22% above avgNationally 2.88%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 4.12% APY · checked 2 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7301 Rogers Ave, Fort Smith, AR 72903
18 Month Certificates of Deposit
$1,000
4.00%
▲ 1.10% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▲ 1.10% above avgNationally 2.88%
Details
Effective Quarter Ending September 30, 2026; Penalty may apply for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 18-month
$0
3.90%
▲ 1.00% above Arkansas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▲ 1.00% above avgNationally 2.88%
Details
Rates accurate as of 10/18/2026; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 18 Months
$2,500
3.80%
▲ 0.90% above Arkansas avg
▼
Rate3.73%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▲ 0.90% above avgNationally 2.88%
Details
Compounded Monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
18 Month CD Specials - Regular
$0
3.80%
▲ 0.90% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▲ 0.90% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
18 Month CD Specials - Rewards
$0
3.80%
▲ 0.90% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▲ 0.90% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 0.90% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▲ 0.90% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 0.90% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▲ 0.90% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA CD Specials - 18-month term
$0
3.80%
▲ 0.90% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▲ 0.90% above avgNationally 2.88%
Details
Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1114 FERGUSON DR, BENTON, AR 72015 3528
18 Month Shared Certificate
$500
3.75%
▲ 0.85% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▲ 0.85% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
1 change since Oct 9, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 23, 20263.75%▲ from 3.25%
- Oct 9, 20263.25%first recorded
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
18 Month CD
$500
3.75%
▲ 0.85% above Arkansas avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▲ 0.85% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 4 times
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
18 Month Certificate of Deposit
$0
3.55%
▲ 0.65% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▲ 0.65% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
18 Month IRA Fixed
$100
3.50%
▲ 0.60% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.90%▲ 0.60% above avgNationally 2.88%
Details
APY based on interest paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
Share Certificates (CDs) - 18 Months
$0
3.50%
▲ 0.60% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▲ 0.60% above avgNationally 2.88%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
CD - 18 Month
$0
3.46%
▲ 0.56% above Arkansas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.90%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.46% APY · checked 7 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
18 Month CD
$1,000
3.30%
▲ 0.40% above Arkansas avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.90%▲ 0.40% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.30% ▲ 0.27 pts · high 3.30% / low 3.03%
- Oct 3, 20263.30%▲ from 3.03%
- Sep 14, 20263.03%first recorded
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
18 Month Share & IRA Certificates
$500
3.04%
▲ 0.14% above Arkansas avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▲ 0.14% above avgNationally 2.88%
Details
Dividend Rate 3.00%
Rate History
No change since Oct 23, 2026 · 3.04% APY
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
IRA 18-Month Certificate
$0
2.87%
▼ 0.03% below Arkansas avg
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▼ 0.03% below avgNationally 2.88%
Details
Individual Retirement Account; Annual Percentage Rate (APR) 2.826%
Rate History
1 change since Sep 14, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
- Oct 9, 20262.87%▲ from 2.55%
- Sep 14, 20262.55%first recorded
Fidelity Bank West Memphis, AR
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
330 W Broadway St, West Memphis, AR 72301
18 Month Certificate of Deposit
$500
2.85%
▼ 0.05% below Arkansas avg
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 0.05% below avgNationally 2.88%
Details
Balance: $500-$99,000; *Maintenance or fees may reduce earnings
Rate History
No change since Oct 22, 2026 · 2.85% APY · checked 2 times
Fidelity Bank West Memphis, AR
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
330 W Broadway St, West Memphis, AR 72301
18 Month IRA (Variable) Certificate of Deposit
$500
2.85%
▼ 0.05% below Arkansas avg
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 0.05% below avgNationally 2.88%
Details
IRA (Variable) $500 Minimum; *Maintenance or fees may reduce earnings
Rate History
No change since Oct 22, 2026 · 2.85% APY · checked 2 times
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
18 Month IRA
$0
2.78%
▼ 0.12% below Arkansas avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.90%▼ 0.12% below avgNationally 2.88%
Details
$500 minimum balance required; penalty may be imposed for early withdrawal; additional deposits allowed on this IRA only
Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 2 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
13 - 18 Month IRA Certificate
$200
2.55%
▼ 0.35% below Arkansas avg
▼
Rate2.52%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 0.35% below avgNationally 2.88%
Details
Minimum: $200 (add'l deposits) / $500 (single deposit)
Rate History
No change since Oct 22, 2026 · 2.55% APY
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificate - 18 Month
$0
2.50%
▼ 0.40% below Arkansas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.90%▼ 0.40% below avgNationally 2.88%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
18-month CD
$500
2.30%
▼ 0.60% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 0.60% below avgNationally 2.88%
Details
$500 minimum opening deposit; FDIC insured up to maximum amount allowed
Rate History
No change since Sep 9, 2026 · 2.30% APY · checked 10 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
Business Certificate of Deposit - 18-month CD
$500
2.30%
▼ 0.60% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 0.60% below avgNationally 2.88%
Details
$500 minimum opening deposit with automatic renewal ($2,500 without automatic renewal); FDIC insured up to maximum amount allowed; Find a Location or contact us to open
Rate History
No change since Oct 14, 2026 · 2.30% APY · checked 3 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
2409 E Main St, Russellville, AR 72802
Certificate of Deposit (CDs) - 18 Months
$500
2.00%
▼ 0.90% below Arkansas avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.90%▼ 0.90% below avgNationally 2.88%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
18 Month CD
$0
1.90%
▼ 1.00% below Arkansas avg
▼
Rate1.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.90%▼ 1.00% below avgNationally 2.88%
Details
Available as an I.R.A. account; Certificates of Deposit subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 8 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 18 Months - With Bonus Rate
$0
1.75%
▼ 1.15% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▼ 1.15% below avgNationally 2.88%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 1.75% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 18 Months - Bonus Rate
$0
1.75%
▼ 1.15% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▼ 1.15% below avgNationally 2.88%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 1.75% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 18 Months
$0
1.65%
▼ 1.25% below Arkansas avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▼ 1.25% below avgNationally 2.88%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.65% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 18 Months
$0
1.65%
▼ 1.25% below Arkansas avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▼ 1.25% below avgNationally 2.88%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 1.65% APY · checked 2 times
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
18 Month IRA Certificate of Deposit
$100
1.61%
▼ 1.29% below Arkansas avg
▼
Rate1.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 1.29% below avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 1.61% APY · checked 2 times
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
18 Month Certificate of Deposit
$500
1.51%
▼ 1.39% below Arkansas avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 1.39% below avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 1.51% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
18 Month Standard CD Products
$1,000
1.50%
▼ 1.40% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.90%▼ 1.40% below avgNationally 2.88%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 18 Months
$1,000
1.50%
▼ 1.40% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.90%▼ 1.40% below avgNationally 2.88%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
White County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
508 W BEEBE CAPPS EXPY, Searcy, AR 72143 6652
Share Certificate - 18 Months
$0
0.50%
▼ 2.40% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▼ 2.40% below avgNationally 2.88%
Details
Minimum balance of $1,000 required to open the account; Standard and Default Renewal rate; Please see the credit union for Current Specials
Rate History
No change since Oct 23, 2026 · 0.50% APY
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
18 Month Certificates of Deposit (CDs)
$0
0.45%
▼ 2.45% below Arkansas avg
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 2.45% below avgNationally 2.88%
Details
Balance: $10,000+
Rate History
No change since Sep 11, 2026 · 0.45% APY · checked 9 times
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
Certificates of Deposit (CDs) - 18 Months
$0
0.45%
▼ 2.45% below Arkansas avg
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 2.45% below avgNationally 2.88%
Details
Balance: $10,000+
Rate History
No change since Oct 21, 2026 · 0.45% APY · checked 2 times
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
18 Month Certificates of Deposit (CDs)
$0
0.35%
▼ 2.55% below Arkansas avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 2.55% below avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 11, 2026 · 0.35% APY · checked 9 times
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
Certificates of Deposit (CDs) - 18 Months
$0
0.35%
▼ 2.55% below Arkansas avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.90%▼ 2.55% below avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 21, 2026 · 0.35% APY · checked 2 times
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
430 N Hampton Ave, Russellville, AR 72802
Share Certificate - 18 Month
$0
0.26%
▼ 2.64% below Arkansas avg
▼
Rate0.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▼ 2.64% below avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 0.75% → 0.26% ▼ 0.49 pts · high 0.75% / low 0.26%
- Oct 9, 20260.26%▼ from 0.75%
- Sep 14, 20260.75%first recorded
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
125 W Broadway, West Memphis, AR 72301
18 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.85% below Arkansas avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.90%▼ 2.85% below avgNationally 2.88%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
Arkansas 24 Month CD Rates
MonitorBankRates Arkansas Average · 24 Month CD2.83% APY▼ 0.13% from last weekNational 2.90%
The average 24-month CD rate in Arkansas is 2.83% APY, compared with 2.90% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
Jumbo Share Certificate 24-Month
$95,000
4.82%
▲ 1.99% above Arkansas avg
▼
Rate4.71%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▲ 1.99% above avgNationally 2.90%
Details
Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.28% → 4.82% ▲ 0.54 pts · high 4.82% / low 4.28%
- Oct 9, 20264.82%▲ from 4.28%
- Sep 14, 20264.28%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
Share Certificate - 24 Months
$500
4.33%
▲ 1.50% above Arkansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 1.50% above avgNationally 2.90%
Details
Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
1 change since Oct 15, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
- Oct 23, 20264.33%▲ from 3.82%
- Oct 15, 20263.82%first recorded
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Certificate Account - 24 Months
$1,000
4.25%
▲ 1.42% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 1.42% above avgNationally 2.90%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
IRA Certificate 24 Months
$1,000
4.25%
▲ 1.42% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 1.42% above avgNationally 2.90%
Details
Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Plus Point Certificate - 24 Months
$1,000
4.25%
▲ 1.42% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 1.42% above avgNationally 2.90%
Details
Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
Share Certificate/IRA Share Certificate - 24 months
$1,000
4.15%
▲ 1.32% above Arkansas avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 1.32% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 4.15% APY
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
24 Month CD
$500
4.15%
▲ 1.32% above Arkansas avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 1.32% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 4 times
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate 24 Months
$0
4.07%
▲ 1.24% above Arkansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 1.24% above avgNationally 2.90%
Details
Rate History
1 change since Oct 13, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 23, 20264.07%▲ from 3.56%
- Oct 13, 20263.56%first recorded
First Service Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
134 S Broadview St, Greenbrier, AR 72058
24-Month CD
$10,000
4.00%
▲ 1.17% above Arkansas avg
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.83%▲ 1.17% above avgNationally 2.90%
Details
Certificates of Deposit Account; APY accurate as of 9-1-26; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Flex Certificate Account - 24 Months
$2,500
3.75%
▲ 0.92% above Arkansas avg
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 0.92% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1114 FERGUSON DR, BENTON, AR 72015 3528
24 Month Shared Certificate
$500
3.75%
▲ 0.92% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 0.92% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
1 change since Oct 9, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 23, 20263.75%▲ from 3.25%
- Oct 9, 20263.25%first recorded
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 24 Months
$2,500
3.75%
▲ 0.92% above Arkansas avg
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 0.92% above avgNationally 2.90%
Details
Compounded Monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
24 Month Share Certificate
$500
3.71%
▲ 0.88% above Arkansas avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▲ 0.88% above avgNationally 2.90%
Details
Balance: $50,000-$99,999
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45%
- Oct 6, 20263.71%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 24-month
$0
3.65%
▲ 0.82% above Arkansas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▲ 0.82% above avgNationally 2.90%
Details
Rates accurate as of 10/18/2026; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
2 Year CD
$1,000
3.56%
▲ 0.73% above Arkansas avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.83%▲ 0.73% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.56% ▲ 0.27 pts · high 3.56% / low 3.29%
- Oct 3, 20263.56%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
24 Month Share Certificate
$500
3.56%
▲ 0.73% above Arkansas avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▲ 0.73% above avgNationally 2.90%
Details
Balance: $10,000-$19,999
Rate History
1 change since Sep 18, 2026 · 3.09% → 3.56% ▲ 0.47 pts · high 3.56% / low 3.09%
- Oct 6, 20263.56%▲ from 3.09%
- Sep 18, 20263.09%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
24 Month Certificate of Deposit
$500
3.51%
▲ 0.68% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.83%▲ 0.68% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
- Oct 2, 20263.51%▲ from 3.10%
- Sep 18, 20263.10%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
24 Month IRA Fixed
$100
3.50%
▲ 0.67% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.83%▲ 0.67% above avgNationally 2.90%
Details
Early withdrawal penalty 120 days; APY based on interest paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
24 Month Share Certificate
$0
3.50%
▲ 0.67% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 0.67% above avgNationally 2.90%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
Share Certificates (CDs) - 24 Months
$0
3.50%
▲ 0.67% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▲ 0.67% above avgNationally 2.90%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 2 Year Jumbo
$0
3.44%
▲ 0.61% above Arkansas avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 0.61% above avgNationally 2.90%
Details
Jumbo; Dividend Rate 3.39%
Rate History
No change since Sep 18, 2026 · 3.44% APY · checked 6 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
CD - 24 Month
$0
3.41%
▲ 0.58% above Arkansas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.83%▲ 0.58% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
24 Month Share Certificate
$500
3.41%
▲ 0.58% above Arkansas avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▲ 0.58% above avgNationally 2.90%
Details
Balance: $500-$999
Rate History
1 change since Sep 18, 2026 · 3.09% → 3.41% ▲ 0.32 pts · high 3.41% / low 3.09%
- Oct 6, 20263.41%▲ from 3.09%
- Sep 18, 20263.09%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
24 Month Share Certificate
$500
3.40%
▲ 0.57% above Arkansas avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▲ 0.57% above avgNationally 2.90%
Details
Balance: $1,000-$9,999
Rate History
1 change since Sep 18, 2026 · 3.09% → 3.40% ▲ 0.31 pts · high 3.40% / low 3.09%
- Oct 6, 20263.40%▲ from 3.09%
- Sep 18, 20263.09%first recorded
Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1125 Military Rd, Benton, AR 72015
2 Year Certificate
$2,500
3.35%
▲ 0.52% above Arkansas avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 0.52% above avgNationally 2.90%
Details
Fixed rate, quarterly dividends. Dividends may compound, may receive quarterly dividend check or have dividends posted to savings or checking. Does not automatically renew.
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 10 times
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 2 Year
$0
3.19%
▲ 0.36% above Arkansas avg
▼
Rate3.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 0.36% above avgNationally 2.90%
Details
Dividend Rate 3.14%
Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 6 times
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
24 Month Share & IRA Certificates
$500
3.04%
▲ 0.21% above Arkansas avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 0.21% above avgNationally 2.90%
Details
Dividend Rate 3.00%
Rate History
No change since Oct 23, 2026 · 3.04% APY
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
24 Month Certificate of Deposit
$0
3.03%
▲ 0.20% above Arkansas avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▲ 0.20% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 8 times
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1001 S 21st St, FORT SMITH, AR 72901 4007
2-Year Share Certificate
$0
3.00%
▲ 0.17% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▲ 0.17% above avgNationally 2.90%
Details
$500 minimum required to open a share or IRA certificate; dividends compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
Share Certificate 24-Month
$1,000
2.87%
▲ 0.04% above Arkansas avg
▼
Rate2.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▲ 0.04% above avgNationally 2.90%
Details
Share Certificates (CDs) ($1,000 Minimum); Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
- Oct 9, 20262.87%▲ from 2.55%
- Sep 14, 20262.55%first recorded
Fidelity Bank West Memphis, AR
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
330 W Broadway St, West Memphis, AR 72301
2 Year Certificate of Deposit
$500
2.80%
▼ 0.03% below Arkansas avg
▼
Rate2.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.83%▼ 0.03% below avgNationally 2.90%
Details
Balance: $500-$99,000; *Maintenance or fees may reduce earnings
Rate History
No change since Oct 22, 2026 · 2.80% APY · checked 2 times
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
2 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.65%
▼ 0.18% below Arkansas avg
▼
Rate2.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▼ 0.18% below avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
24 Month Standard CDs - Rewards
$0
2.60%
▼ 0.23% below Arkansas avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▼ 0.23% below avgNationally 2.90%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
24 Month Standard IRA CDs - Rewards
$0
2.60%
▼ 0.23% below Arkansas avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▼ 0.23% below avgNationally 2.90%
Details
Rewards APY column; Dividend Rate 2.57%
Rate History
No change since Oct 19, 2026 · 2.60% APY
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
IRA Share 24 Months
$500
2.52%
▼ 0.31% below Arkansas avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▼ 0.31% below avgNationally 2.90%
Details
IRA Share (variable); $500 min.
Rate History
No change since Oct 15, 2026 · 2.52% APY · checked 2 times
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
2 Year Certificate
$500
2.52%
▼ 0.31% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.83%▼ 0.31% below avgNationally 2.90%
Details
Interest rates current as of 12/15/25; penalty may be imposed for early withdrawal
Rate History
No change since Sep 7, 2026 · 2.52% APY · checked 11 times
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
IRA 24 Month CD
$500
2.52%
▼ 0.31% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.83%▼ 0.31% below avgNationally 2.90%
Details
IRA CD balance of $500 or more; interest accrued daily at current rate
Rate History
No change since Oct 20, 2026 · 2.52% APY · checked 2 times
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
2 Year Certificate of Deposit
$0
2.50%
▼ 0.33% below Arkansas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.83%▼ 0.33% below avgNationally 2.90%
Details
$500 minimum balance required; penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
2 Year Share and IRA Certificate - Fixed
$1,000
2.40%
▼ 0.43% below Arkansas avg
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▼ 0.43% below avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 2.40% APY · checked 3 times
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
24 Month Share Certificate
$0
2.38%
▼ 0.45% below Arkansas avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.83%▼ 0.45% below avgNationally 2.90%
Details
Balance: $10,000 and over
Rate History
No change since Oct 22, 2026 · 2.38% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
24 Month Standard CDs - Regular
$0
2.34%
▼ 0.49% below Arkansas avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▼ 0.49% below avgNationally 2.90%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
24 Month Standard IRA CDs - Regular
$0
2.34%
▼ 0.49% below Arkansas avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▼ 0.49% below avgNationally 2.90%
Details
Regular APY column; Dividend Rate 2.32%
Rate History
No change since Oct 19, 2026 · 2.34% APY
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
24 Month Share Certificate
$0
2.32%
▼ 0.51% below Arkansas avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.83%▼ 0.51% below avgNationally 2.90%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 22, 2026 · 2.32% APY
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
IRA Certificate 24 Months
$0
2.25%
▼ 0.58% below Arkansas avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▼ 0.58% below avgNationally 2.90%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Roth & Educational IRA Share Certificate - 24 Month
$0
2.25%
▼ 0.58% below Arkansas avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▼ 0.58% below avgNationally 2.90%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard IRA Share Certificate - 24 Month
$0
2.25%
▼ 0.58% below Arkansas avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▼ 0.58% below avgNationally 2.90%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificate - 24 Month
$0
2.25%
▼ 0.58% below Arkansas avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.83%▼ 0.58% below avgNationally 2.90%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificate - 2 Year
$1,000
2.20%
▼ 0.63% below Arkansas avg
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▼ 0.63% below avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 2.20% APY
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
24 Month CD
$0
2.10%
▼ 0.73% below Arkansas avg
▼
Rate2.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.83%▼ 0.73% below avgNationally 2.90%
Details
Available as an I.R.A. account; Certificates of Deposit subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 8 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
Share Certificate - 24 Months
$500
2.02%
▼ 0.81% below Arkansas avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.83%▼ 0.81% below avgNationally 2.90%
Details
$500 minimum investment
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 10 times
Arkansas 36 Month CD Rates
MonitorBankRates Arkansas Average · 36 Month CD2.69% APY▼ 0.04% from last weekNational 2.81%
The average 36-month CD rate in Arkansas is 2.69% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
Jumbo Share Certificate 36-Month
$95,000
4.93%
▲ 2.24% above Arkansas avg
▼
Rate4.81%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 2.24% above avgNationally 2.81%
Details
Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.93% ▲ 0.57 pts · high 4.93% / low 4.35%
- Oct 9, 20264.93%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
Share Certificate/IRA Share Certificate - 36 months
$1,000
4.25%
▲ 1.56% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 1.56% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.25% APY
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Certificate Account - 36 Months
$1,000
4.25%
▲ 1.56% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 1.56% above avgNationally 2.81%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
IRA Certificate 36 Months
$1,000
4.25%
▲ 1.56% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 1.56% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Plus Point Certificate - 36 Months
$1,000
4.25%
▲ 1.56% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 1.56% above avgNationally 2.81%
Details
Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
36 Month Share Certificate
$500
3.97%
▲ 1.28% above Arkansas avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 1.28% above avgNationally 2.81%
Details
Balance: $50,000-$99,999
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.97% ▲ 0.52 pts · high 3.97% / low 3.45%
- Oct 6, 20263.97%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
Share Certificate - 36 Months
$500
3.82%
▲ 1.13% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 1.13% above avgNationally 2.81%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
36 Month Share Certificate
$500
3.82%
▲ 1.13% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 1.13% above avgNationally 2.81%
Details
Balance: $10,000-$19,999
Rate History
1 change since Sep 18, 2026 · 3.09% → 3.82% ▲ 0.73 pts · high 3.82% / low 3.09%
- Oct 6, 20263.82%▲ from 3.09%
- Sep 18, 20263.09%first recorded
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Flex Certificate Account - 36 Months
$2,500
3.75%
▲ 1.06% above Arkansas avg
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 1.06% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1114 FERGUSON DR, BENTON, AR 72015 3528
36 Month Shared Certificate
$500
3.75%
▲ 1.06% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 1.06% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
1 change since Oct 9, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 23, 20263.75%▲ from 3.25%
- Oct 9, 20263.25%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
36 Month Share Certificate
$500
3.66%
▲ 0.97% above Arkansas avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 0.97% above avgNationally 2.81%
Details
Balance: $500-$999
Rate History
1 change since Sep 18, 2026 · 3.09% → 3.66% ▲ 0.57 pts · high 3.66% / low 3.09%
- Oct 6, 20263.66%▲ from 3.09%
- Sep 18, 20263.09%first recorded
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 36-month
$0
3.65%
▲ 0.96% above Arkansas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 0.96% above avgNationally 2.81%
Details
Rates accurate as of 10/18/2026; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
3 Year CD
$1,000
3.56%
▲ 0.87% above Arkansas avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.69%▲ 0.87% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.56% ▲ 0.27 pts · high 3.56% / low 3.29%
- Oct 3, 20263.56%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate 36 Months
$0
3.56%
▲ 0.87% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 0.87% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 3 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
36 Month Certificate of Deposit
$500
3.51%
▲ 0.82% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.69%▲ 0.82% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
36 Month IRA Fixed
$100
3.50%
▲ 0.81% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.69%▲ 0.81% above avgNationally 2.81%
Details
Early withdrawal penalty 182 days; APY based on interest paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
Share Certificates (CDs) - 36 Months
$0
3.50%
▲ 0.81% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 0.81% above avgNationally 2.81%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 3 Year Jumbo
$0
3.43%
▲ 0.74% above Arkansas avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 0.74% above avgNationally 2.81%
Details
Jumbo; Dividend Rate 3.38%
Rate History
No change since Sep 18, 2026 · 3.43% APY · checked 6 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
CD - 36 Month
$0
3.41%
▲ 0.72% above Arkansas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.69%▲ 0.72% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
36 Month Share Certificate
$0
3.25%
▲ 0.56% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 0.56% above avgNationally 2.81%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 3 Year
$0
3.18%
▲ 0.49% above Arkansas avg
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 0.49% above avgNationally 2.81%
Details
Dividend Rate 3.13%
Rate History
No change since Sep 18, 2026 · 3.18% APY · checked 6 times
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
36 Month Certificate of Deposit
$0
3.08%
▲ 0.39% above Arkansas avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 0.39% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.08% APY · checked 8 times
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
36 Month Share & IRA Certificates
$500
3.04%
▲ 0.35% above Arkansas avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 0.35% above avgNationally 2.81%
Details
Dividend Rate 3.00%
Rate History
No change since Oct 23, 2026 · 3.04% APY
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1001 S 21st St, FORT SMITH, AR 72901 4007
3-Year Share Certificate
$0
3.00%
▲ 0.31% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▲ 0.31% above avgNationally 2.81%
Details
$500 minimum required to open a share or IRA certificate; dividends compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
Share Certificate 36-Month
$1,000
2.93%
▲ 0.24% above Arkansas avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 0.24% above avgNationally 2.81%
Details
Share Certificates (CDs) ($1,000 Minimum); Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 2.59% → 2.93% ▲ 0.34 pts · high 2.93% / low 2.59%
- Oct 9, 20262.93%▲ from 2.59%
- Sep 14, 20262.59%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
36 Month Standard CDs - Rewards
$0
2.75%
▲ 0.06% above Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 0.06% above avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
36 Month Standard IRA CDs - Rewards
$0
2.75%
▲ 0.06% above Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▲ 0.06% above avgNationally 2.81%
Details
Rewards APY column; Dividend Rate 2.72%
Rate History
No change since Oct 19, 2026 · 2.75% APY
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
3 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.65%
▼ 0.04% below Arkansas avg
▼
Rate2.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.04% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 3 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
Share Certificate - 36 Months
$500
2.52%
▼ 0.17% below Arkansas avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.17% below avgNationally 2.81%
Details
$500 minimum investment
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 10 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
36 Month Standard CDs - Regular
$0
2.49%
▼ 0.20% below Arkansas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▼ 0.20% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
36 Month Standard IRA CDs - Regular
$0
2.49%
▼ 0.20% below Arkansas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▼ 0.20% below avgNationally 2.81%
Details
Regular APY column; Dividend Rate 2.47%
Rate History
No change since Oct 19, 2026 · 2.49% APY
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
3 Year Share and IRA Certificate - Fixed
$1,000
2.40%
▼ 0.29% below Arkansas avg
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.29% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.40% APY · checked 3 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
36 Month CD
$0
2.34%
▼ 0.35% below Arkansas avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.69%▼ 0.35% below avgNationally 2.81%
Details
Available as an I.R.A. account; Certificates of Deposit subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 2.34% APY · checked 8 times
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
36 Month Share Certificate
$0
2.32%
▼ 0.37% below Arkansas avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.69%▼ 0.37% below avgNationally 2.81%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 22, 2026 · 2.32% APY
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificate - 3 Year
$1,000
2.30%
▼ 0.39% below Arkansas avg
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.39% below avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 2.30% APY
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
IRA Share 36 Months
$500
2.27%
▼ 0.42% below Arkansas avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.42% below avgNationally 2.81%
Details
IRA Share (variable); $500 min.
Rate History
No change since Oct 15, 2026 · 2.27% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 36 Months - With Bonus Rate
$0
2.10%
▼ 0.59% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.59% below avgNationally 2.81%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 2.10% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 36 Months - Bonus Rate
$0
2.10%
▼ 0.59% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.59% below avgNationally 2.81%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 2.10% APY
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
3 Year Certificate
$500
2.01%
▼ 0.68% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.69%▼ 0.68% below avgNationally 2.81%
Details
Interest rates current as of 12/15/25; penalty may be imposed for early withdrawal
Rate History
No change since Sep 7, 2026 · 2.01% APY · checked 11 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
36 Month Bump Up Certificate
$0
2.00%
▼ 0.69% below Arkansas avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.69% below avgNationally 2.81%
Details
Balance: $500 - $1,000,000; Effective Date: October 01, 2026; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 2.00% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 36 Months
$0
2.00%
▼ 0.69% below Arkansas avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.69% below avgNationally 2.81%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 2.00% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 36 Months
$0
2.00%
▼ 0.69% below Arkansas avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 0.69% below avgNationally 2.81%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 2.00% APY · checked 2 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
IRA Certificate 36 Months
$0
2.00%
▼ 0.69% below Arkansas avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.69%▼ 0.69% below avgNationally 2.81%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
36 Month IRA Certificate of Deposit
$100
1.92%
▼ 0.77% below Arkansas avg
▼
Rate1.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.69%▼ 0.77% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 1.92% APY · checked 2 times
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
36 Month Certificate of Deposit
$500
1.81%
▼ 0.88% below Arkansas avg
▼
Rate1.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.69%▼ 0.88% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 1.81% APY · checked 2 times
FNB of Izard County
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2005 Highway 56, Calico Rock, AR 72519
3 Year Certificate
$0
1.66%
▼ 1.03% below Arkansas avg
▼
Rate1.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.69%▼ 1.03% below avgNationally 2.81%
Details
APY accurate as of October 14, 2025
Rate History
No change since Oct 14, 2026 · 1.66% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
3 Year Standard CD Products
$1,000
1.50%
▼ 1.19% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.69%▼ 1.19% below avgNationally 2.81%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 3 Years
$1,000
1.50%
▼ 1.19% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.69%▼ 1.19% below avgNationally 2.81%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
3 Year Certificate of Deposit
$0
1.26%
▼ 1.43% below Arkansas avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.69%▼ 1.43% below avgNationally 2.81%
Details
$500 minimum balance required; penalty may be imposed for early withdrawal
Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 8 times
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
36 Month CD
$500
1.21%
▼ 1.48% below Arkansas avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.69%▼ 1.48% below avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 1.21% APY · checked 4 times
Arkansas 48 Month CD Rates
MonitorBankRates Arkansas Average · 48 Month CD2.81% APY▼ 0.06% from last weekNational 2.81%
The average 48-month CD rate in Arkansas is 2.81% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
Share Certificate/IRA Share Certificate - 48 months
$1,000
4.25%
▲ 1.44% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▲ 1.44% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.25% APY
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Certificate Account - 48 Months
$1,000
4.25%
▲ 1.44% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▲ 1.44% above avgNationally 2.81%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
IRA Certificate 48 Months
$1,000
4.25%
▲ 1.44% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▲ 1.44% above avgNationally 2.81%
Details
Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Plus Point Certificate - 48 Months
$1,000
4.25%
▲ 1.44% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▲ 1.44% above avgNationally 2.81%
Details
Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
48 Month Share Certificate
$500
4.13%
▲ 1.32% above Arkansas avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▲ 1.32% above avgNationally 2.81%
Details
Balance: $50,000-$99,999
Rate History
1 change since Sep 18, 2026 · 3.45% → 4.13% ▲ 0.68 pts · high 4.13% / low 3.45%
- Oct 6, 20264.13%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
48 Month Share Certificate
$500
3.97%
▲ 1.16% above Arkansas avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▲ 1.16% above avgNationally 2.81%
Details
Balance: $10,000-$19,999
Rate History
1 change since Sep 18, 2026 · 3.09% → 3.97% ▲ 0.88 pts · high 3.97% / low 3.09%
- Oct 6, 20263.97%▲ from 3.09%
- Sep 18, 20263.09%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
Share Certificate - 48 Months
$500
3.82%
▲ 1.01% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▲ 1.01% above avgNationally 2.81%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
48 Month Share Certificate
$500
3.82%
▲ 1.01% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▲ 1.01% above avgNationally 2.81%
Details
Balance: $1,000-$9,999
Rate History
1 change since Sep 18, 2026 · 3.09% → 3.82% ▲ 0.73 pts · high 3.82% / low 3.09%
- Oct 6, 20263.82%▲ from 3.09%
- Sep 18, 20263.09%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
48 Month Share Certificate
$500
3.81%
▲ 1.00% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▲ 1.00% above avgNationally 2.81%
Details
Balance: $500-$999
Rate History
1 change since Sep 18, 2026 · 3.09% → 3.81% ▲ 0.72 pts · high 3.81% / low 3.09%
- Oct 6, 20263.81%▲ from 3.09%
- Sep 18, 20263.09%first recorded
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate 48 Months
$0
3.56%
▲ 0.75% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▲ 0.75% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 3 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
48 Month Certificate of Deposit
$500
3.51%
▲ 0.70% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.81%▲ 0.70% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
Share Certificates (CDs) - 48 Months
$0
3.50%
▲ 0.69% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▲ 0.69% above avgNationally 2.81%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
1 change since Sep 14, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50%
- Sep 29, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
CD - 48 Month
$0
3.41%
▲ 0.60% above Arkansas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.81%▲ 0.60% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
48 Month Certificate of Deposit
$0
3.18%
▲ 0.37% above Arkansas avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▲ 0.37% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.18% APY · checked 8 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
48 Month Share Certificate
$0
3.00%
▲ 0.19% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▲ 0.19% above avgNationally 2.81%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
48 Month Standard CDs - Rewards
$0
2.90%
▲ 0.09% above Arkansas avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▲ 0.09% above avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
48 Month Standard IRA CDs - Rewards
$0
2.90%
▲ 0.09% above Arkansas avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▲ 0.09% above avgNationally 2.81%
Details
Rewards APY column; Dividend Rate 2.86%
Rate History
No change since Oct 19, 2026 · 2.90% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
48 Month Standard CDs - Regular
$0
2.64%
▼ 0.17% below Arkansas avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▼ 0.17% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
48 Month Standard IRA CDs - Regular
$0
2.64%
▼ 0.17% below Arkansas avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.81%▼ 0.17% below avgNationally 2.81%
Details
Regular APY column; Dividend Rate 2.61%
Rate History
No change since Oct 19, 2026 · 2.64% APY
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificate - 4 Year
$1,000
2.60%
▼ 0.21% below Arkansas avg
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▼ 0.21% below avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 2.60% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 48 Months - With Bonus Rate
$0
2.15%
▼ 0.66% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▼ 0.66% below avgNationally 2.81%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 2.15% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 48 Months - Bonus Rate
$0
2.15%
▼ 0.66% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▼ 0.66% below avgNationally 2.81%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 2.15% APY
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
48 Month IRA Certificate of Deposit
$100
2.12%
▼ 0.69% below Arkansas avg
▼
Rate2.10%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.81%▼ 0.69% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.12% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 48 Months
$0
2.05%
▼ 0.76% below Arkansas avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▼ 0.76% below avgNationally 2.81%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 2.05% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 48 Months
$0
2.05%
▼ 0.76% below Arkansas avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▼ 0.76% below avgNationally 2.81%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 2.05% APY · checked 2 times
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
48 Month Certificate of Deposit
$500
2.02%
▼ 0.79% below Arkansas avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.81%▼ 0.79% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 2.02% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
4 Year Standard CD Products
$1,000
1.50%
▼ 1.31% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.81%▼ 1.31% below avgNationally 2.81%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 4 Years
$1,000
1.50%
▼ 1.31% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.81%▼ 1.31% below avgNationally 2.81%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
IRA Certificate - 4 Year Educ. IRA
$1,000
1.15%
▼ 1.66% below Arkansas avg
▼
Rate1.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▼ 1.66% below avgNationally 2.81%
Details
Educational IRA
Rate History
No change since Oct 23, 2026 · 1.15% APY
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
48 Month CD
$500
1.00%
▼ 1.81% below Arkansas avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▼ 1.81% below avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 4 times
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1100 N Illinois St, Harrisburg, AR 72432
Certificates of Deposit - 48 MO
$1,000
0.60%
▼ 2.21% below Arkansas avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.81%▼ 2.21% below avgNationally 2.81%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 0.60% APY · checked 2 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
48 Month Regular CD Account
$0
0.10%
▼ 2.71% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.81%▼ 2.71% below avgNationally 2.81%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
125 W Broadway, West Memphis, AR 72301
48 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.76% below Arkansas avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.81%▼ 2.76% below avgNationally 2.81%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
Arkansas 60 Month CD Rates
MonitorBankRates Arkansas Average · 60 Month CD2.92% APY▼ 0.08% from last weekNational 2.92%
The average 60-month CD rate in Arkansas is 2.92% APY, compared with 2.92% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
Jumbo Share Certificate 60-Month
$95,000
4.95%
▲ 2.03% above Arkansas avg
▼
Rate4.83%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 2.03% above avgNationally 2.92%
Details
Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.47% → 4.95% ▲ 0.48 pts · high 4.95% / low 4.47%
- Oct 9, 20264.95%▲ from 4.47%
- Sep 14, 20264.47%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
Share Certificate/IRA Share Certificate - 60 months
$1,000
4.25%
▲ 1.33% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▲ 1.33% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 4.25% APY
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Certificate Account - 60 Months
$1,000
4.25%
▲ 1.33% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▲ 1.33% above avgNationally 2.92%
Details
Minimum opening deposit $1,000; Term options 6, 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
IRA Certificate 60 Months
$1,000
4.25%
▲ 1.33% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▲ 1.33% above avgNationally 2.92%
Details
Traditional, Roth, and Coverdell Educational IRA Certificate; Term options 12, 24, 36, 48 and 60 months
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Plus Point Certificate - 60 Months
$1,000
4.25%
▲ 1.33% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▲ 1.33% above avgNationally 2.92%
Details
Minimum opening deposit $1000 per each term; must open one certificate in each term with equal balances
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
60 Month Share Certificate
$500
4.13%
▲ 1.21% above Arkansas avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 1.21% above avgNationally 2.92%
Details
Balance: $50,000-$99,999
Rate History
1 change since Sep 18, 2026 · 2.78% → 4.13% ▲ 1.35 pts · high 4.13% / low 2.78%
- Oct 6, 20264.13%▲ from 2.78%
- Sep 18, 20262.78%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
60 Month Share Certificate
$500
3.97%
▲ 1.05% above Arkansas avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 1.05% above avgNationally 2.92%
Details
Balance: $10,000-$19,999
Rate History
1 change since Sep 18, 2026 · 2.63% → 3.97% ▲ 1.34 pts · high 3.97% / low 2.63%
- Oct 6, 20263.97%▲ from 2.63%
- Sep 18, 20262.63%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
Share Certificate - 60 Months
$500
3.82%
▲ 0.90% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▲ 0.90% above avgNationally 2.92%
Details
Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
60 Month Share Certificate
$500
3.82%
▲ 0.90% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 0.90% above avgNationally 2.92%
Details
Balance: $1,000-$9,999
Rate History
1 change since Sep 18, 2026 · 2.63% → 3.82% ▲ 1.19 pts · high 3.82% / low 2.63%
- Oct 6, 20263.82%▲ from 2.63%
- Sep 18, 20262.63%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
60 Month Share Certificate
$500
3.81%
▲ 0.89% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 0.89% above avgNationally 2.92%
Details
Balance: $500-$999
Rate History
1 change since Sep 18, 2026 · 2.63% → 3.81% ▲ 1.18 pts · high 3.81% / low 2.63%
- Oct 6, 20263.81%▲ from 2.63%
- Sep 18, 20262.63%first recorded
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
17401 Highway 65 S, Damascus, AR 72039
Flex Certificate Account - 60 Months
$2,500
3.75%
▲ 0.83% above Arkansas avg
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▲ 0.83% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 60-month
$0
3.65%
▲ 0.73% above Arkansas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 0.73% above avgNationally 2.92%
Details
Rates accurate as of 10/18/2026; early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate 60 Months
$0
3.56%
▲ 0.64% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▲ 0.64% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 3 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
60 Month Certificate of Deposit
$500
3.51%
▲ 0.59% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.92%▲ 0.59% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
Share Certificates (CDs) - 60 Months
$0
3.50%
▲ 0.58% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 0.58% above avgNationally 2.92%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
1 change since Sep 14, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50%
- Sep 29, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
CD - 60 Month
$0
3.41%
▲ 0.49% above Arkansas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.92%▲ 0.49% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
60 Month Certificate of Deposit
$0
3.29%
▲ 0.37% above Arkansas avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 0.37% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 8 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
60 Month Standard CDs - Rewards
$0
3.10%
▲ 0.18% above Arkansas avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 0.18% above avgNationally 2.92%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
60 Month Standard IRA CDs - Rewards
$0
3.10%
▲ 0.18% above Arkansas avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 0.18% above avgNationally 2.92%
Details
Rewards APY column; Dividend Rate 3.06%
Rate History
No change since Oct 19, 2026 · 3.10% APY
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
IRA 60-Month Certificate
$0
2.94%
▲ 0.02% above Arkansas avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 0.02% above avgNationally 2.92%
Details
Individual Retirement Account; Annual Percentage Rate (APR) 2.898%
Rate History
1 change since Sep 14, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
- Oct 9, 20262.94%▲ from 2.66%
- Sep 14, 20262.66%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
Share Certificate 60-Month
$1,000
2.94%
▲ 0.02% above Arkansas avg
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▲ 0.02% above avgNationally 2.92%
Details
Share Certificates (CDs) ($1,000 Minimum); Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
- Oct 9, 20262.94%▲ from 2.66%
- Sep 14, 20262.66%first recorded
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificate - 5 Year
$1,000
2.90%
▼ 0.02% below Arkansas avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 0.02% below avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 2.90% APY
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
5 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.85%
▼ 0.07% below Arkansas avg
▼
Rate2.82%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 0.07% below avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
60 Month Standard CDs - Regular
$0
2.84%
▼ 0.08% below Arkansas avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▼ 0.08% below avgNationally 2.92%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
60 Month Standard IRA CDs - Regular
$0
2.84%
▼ 0.08% below Arkansas avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▼ 0.08% below avgNationally 2.92%
Details
Regular APY column; Dividend Rate 2.81%
Rate History
No change since Oct 19, 2026 · 2.84% APY
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
60 Month Share Certificate
$0
2.75%
▼ 0.17% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 0.17% below avgNationally 2.92%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
60 Month CD
$0
2.64%
▼ 0.28% below Arkansas avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.92%▼ 0.28% below avgNationally 2.92%
Details
Available as an I.R.A. account; Certificates of Deposit subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 2.64% APY · checked 8 times
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
5 Year Share and IRA Certificate - Fixed
$1,000
2.60%
▼ 0.32% below Arkansas avg
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 0.32% below avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 3 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
2409 E Main St, Russellville, AR 72802
Certificate of Deposit (CDs) - 60 Months
$500
2.50%
▼ 0.42% below Arkansas avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.92%▼ 0.42% below avgNationally 2.92%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
60 Month IRA Certificate of Deposit
$100
2.38%
▼ 0.54% below Arkansas avg
▼
Rate2.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.92%▼ 0.54% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.38% APY · checked 2 times
COMBINED
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
203 NASH ST, HOT SPRINGS, AR 71913
60 Month Share Certificate
$0
2.32%
▼ 0.60% below Arkansas avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.92%▼ 0.60% below avgNationally 2.92%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 22, 2026 · 2.32% APY
First Community Bank Batesville, AR
Institution Rating:
B+4.8 ★Texas Ratio: 17.04%
202 Greenwood Ave, Lepanto, AR 72354
60 Month Certificate of Deposit
$500
2.27%
▼ 0.65% below Arkansas avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.92%▼ 0.65% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 2.27% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 60 Months - With Bonus Rate
$0
2.20%
▼ 0.72% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 0.72% below avgNationally 2.92%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 2.20% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 60 Months - Bonus Rate
$0
2.20%
▼ 0.72% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 0.72% below avgNationally 2.92%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 2.20% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 60 Months
$0
2.10%
▼ 0.82% below Arkansas avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 0.82% below avgNationally 2.92%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 2.10% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share Certificate - 60 Months
$0
2.10%
▼ 0.82% below Arkansas avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 0.82% below avgNationally 2.92%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 2.10% APY · checked 2 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
IRA Certificate 60 Months
$0
1.75%
▼ 1.17% below Arkansas avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.92%▼ 1.17% below avgNationally 2.92%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 8 times
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
IRA Certificate - 5 Year Educ. IRA
$1,000
1.65%
▼ 1.27% below Arkansas avg
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 1.27% below avgNationally 2.92%
Details
Educational IRA
Rate History
No change since Oct 23, 2026 · 1.65% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
60 Month Certificate of Deposit
$500
1.55%
▼ 1.37% below Arkansas avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.92%▼ 1.37% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 1.55% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
60 Month IRA Certificate
$500
1.55%
▼ 1.37% below Arkansas avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.92%▼ 1.37% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 1.55% APY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
60 Month Jumbo Certificate of Deposit
$100,000
1.55%
▼ 1.37% below Arkansas avg
▼
Rate1.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Arkansas Average2.92%▼ 1.37% below avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 1.55% APY
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
5 Year Standard CD Products
$1,000
1.50%
▼ 1.42% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.92%▼ 1.42% below avgNationally 2.92%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 5 Years
$1,000
1.50%
▼ 1.42% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.92%▼ 1.42% below avgNationally 2.92%
Details
CD rates are fixed for the term of the CD.
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 3 times
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1100 N Illinois St, Harrisburg, AR 72432
Certificates of Deposit - 60 MO
$1,000
0.70%
▼ 2.22% below Arkansas avg
▼
Rate0.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Arkansas Average2.92%▼ 2.22% below avgNationally 2.92%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 0.70% APY · checked 2 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
60 Month Regular CD Account
$0
0.10%
▼ 2.82% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.92%▼ 2.82% below avgNationally 2.92%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
125 W Broadway, West Memphis, AR 72301
60 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.87% below Arkansas avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Arkansas Average2.92%▼ 2.87% below avgNationally 2.92%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Arkansas CD Rate Trends
Compare local Arkansas CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD AR Avg
2.907%
▼ 0.094 vs 7 days ago
Arkansas 12-month CD rates fell 0.094 points over the past 7 days to 2.907% APY.
6-Month CD AR Avg
2.564%
▼ 0.059 vs 7 days ago
Arkansas 6-month CD rates fell 0.059 points over the past 7 days to 2.564% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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AR CD Rate Forecast, Next 12 Months
Where are Arkansas CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AR 12-Month Avg APY
2.907%
6-Month Forecast
2.907%
Range: 2.71%, 3.06%
12-Month Forecast
3.157%
Range: 2.96%, 3.31%
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What Your Savings Earn at AR CD Rates Today
Annual interest earnings at today’s Arkansas average APYs. State average used where available; national average as fallback.
| CD Term | AR Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.702% | $85.09 | $170.17 | $425.43 | $850.85 |
| 6-Month CD | 2.564% | $128.19 | $256.38 | $640.95 | $1,281.90 |
| 12-Month CD | 2.907% | $145.35 | $290.70 | $726.75 | $1,453.50 |
| 18-Month CD | 2.901% | $145.05 | $290.09 | $725.23 | $1,450.45 |
| 24-Month CD | 2.832% | $141.61 | $283.21 | $708.03 | $1,416.05 |
| 36-Month CD | 2.688% | $134.38 | $268.76 | $671.90 | $1,343.80 |
| 48-Month CD | 2.814% | $140.70 | $281.39 | $703.47 | $1,406.95 |
| 60-Month CD | 2.918% | $145.89 | $291.77 | $729.43 | $1,458.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Arkansas Savers
$25,000 split equally across 5 terms using today’s Arkansas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AR Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.702% | $85.09 |
| 2 | 6-Month CD | $5,000 | 2.564% | $128.19 |
| 3 | 12-Month CD | $5,000 | 2.907% | $145.35 |
| 4 | 24-Month CD | $5,000 | 2.832% | $141.61 |
| 5 | 36-Month CD | $5,000 | 2.688% | $134.38 |
| Total ($25,000 invested) | $25,000 | 2.538% blended | $634.62/yr | |
Ladder example uses equal $5,000 rungs and Arkansas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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396
CD Rates
Tracked in Arkansas
Tracked in Arkansas
24 Banks
30 Credit Unions
About Our Arkansas CD Rate Database
MonitorBankRates tracks 396 CD rates from 24 banks and 30 credit unions with locations in Arkansas, plus national online institutions available to Arkansas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Hope Federal Credit Union Jackson, MS offers a CD at 4.95% APY with a minimum deposit of $95,000. Use the rate table above to compare all current offers in Arkansas.
How to Find the Best CD Rates in Arkansas
What to compare when shopping for a CD in Arkansas
To find the best APYs in Arkansas, start with credit unions and online-only banks: Arkansas has 30 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Arkansas
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Arkansas: 54 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Arkansas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Arkansas money market rates
Arkansas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.6%
National avg: 17.3%
Median Individual Earnings
$39,422
National avg: $47,340
Poverty Rate
16.0%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At AR 12-mo avg 2.907% APY
17.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s AR 12-month CD average of 2.907%, saving 10% of the local median salary ($3,942/year) and putting it in a CD would earn an additional $115 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Arkansas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Arkansas
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Arkansas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Arkansas as everywhere in the U.S.
Choosing a CD Term in Arkansas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Arkansas savers easier access to their funds. For example, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate (Age 13-17) at 4.33% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its Jumbo Share Certificate 60-Month at 4.95% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Arkansas Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Arkansas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Arkansas
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Arkansas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Arkansas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Arkansas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Arkansas
Are CD rates in Arkansas FDIC insured?
Yes, most established banks in Arkansas are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Arkansas?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Arkansas.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Arkansas may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Arkansas?
Here are recent top rates found for this area:
- Hope Federal Credit Union Jackson, MS: 4.95% APY (Jumbo Share Certificate 60-Month)
- Hurricane Creek Federal Credit Union: 4.50% APY (12 Month Shared Certificate)
- TruService Community Federal Credit Union: 4.50% APY (18 Month Jumbo Share and IRA Certificate - Fixed)
- Academy Bank: 4.40% APY (18 Month Certificate of Deposit)
- Red River Employees Federal Credit Union: 4.33% APY (6 Month TEAL Certificate (Age 13-17))
- Producers Bank & Trust: 4.25% APY (12 Month CD)
- Carter Federal Credit Union: 4.25% APY (Share Certificate/IRA Share Certificate - 36 months)
- Barksdale Federal Credit Union: 4.25% APY (Certificate Account - 24 Months)
- First Service Bank: 4.15% APY (6-Month CD)
- Clearway Federal Credit Union: 4.15% APY (24 Month CD)
Rates reflect recent verified offers available in Arkansas. Last Updated: October 23, 2026
Arkansas CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Arkansas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Arkansas
Arkansas CD Calculator
At today’s AR top rate of 4.95% APY, a $10,000 deposit earns $495 in the first year. Enter your amount to see your exact return.
Arkansas CD LadderAR CD rates currently range from 1.702% (3-month) to 2.688% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Arkansas CD at 4.95% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsArkansas’s average 12-month CD is 2.907% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arkansas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Arkansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Arkansas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AR.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
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