CD Rates Arkansas (AR) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Arkansas CD rates include Armor BankArmor Bank33 W Main St, Marianna, AR 72360A+5.0 ★Texas Ratio: 0.00%Real return: +1.26%APY minus CPI (February 2026) offering 6-Month CD at 4.06% APY, Barksdale Federal Credit UnionBarksdale Federal Credit Union17401 Highway 65 S, Damascus, AR 72039A5.0 ★Texas Ratio: 10.16%Real return: +1.20%APY minus CPI (February 2026) offering IRA Plus Point Certificate 36 Months at 4.00% APY, Red River Employees Federal Credit UnionRed River Employees Federal Credit Union1513 N Hervey St, Hope, AR 71801A+5.0 ★Texas Ratio: 5.10%Real return: +1.15%APY minus CPI (February 2026) offering 6 Month TEAL Certificate at 3.95% APY, MilWay Federal Credit UnionMilWay Federal Credit Union2000 Arkansas Blvd, Texarkana, AR 71854 1616A+5.0 ★Texas Ratio: 0.02%Real return: +1.10%APY minus CPI (February 2026) offering Share/IRA Certificates - 6 Months at 3.90% APY, and First National Bank of Eastern ArkansasFirst National Bank of Eastern Arkansas101 N Washington St, Forrest City, AR 72335A+5.0 ★Texas Ratio: 3.22%Real return: +1.00%APY minus CPI (February 2026) offering 6 Month CD at 3.80% APY. CD rates as of April 21, 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 4.06% APY from Armor Bank at 33 W Main St, Marianna, AR 72360. Rates are continually updated — 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: April 21, 2026
Compare Best CD Rates in Arkansas
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2522 S Pinnacle Hills Pkwy, Rogers, AR 72758
3-Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
206 W Main St, Walnut Ridge, AR 72476
3 month CD
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
101 N Washington St, Forrest City, AR 72335
1 - 3 Month CD
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
3 Months Share and IRA Certificates
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is 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. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Eaton Hydraulics, Searcy, AR 72143 7408
3 month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UP Arkansas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1501 Pike Ave, North Little Rock, AR 72114 3267
Share Certificates (Term Accounts) 3 months
$1,000
1.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
200 W Court St, Paragould, AR 72450
90 Day CD
$5,000
0.95%
▼
Rate0.95%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR 72653
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Arkansas Blvd, Texarkana, AR 71854
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
205 E Rice St, Pocahontas, AR 72455
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Armor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33 W Main St, Marianna, AR 72360
6-Month CD
$500
4.06%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Limited time offer. APY effective as of 9/24/25. $500 minimum opening deposit up to a maximum of $250,000. Offer not applicable for public entities or financial institutions. Early withdrawal penalties apply. APY based on interest compounded quarterly. Fees may reduce earnings. Other restrictions may apply. Please speak with an Armor Bank employee for further information.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
1513 N Hervey St, Hope, AR 71801
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Age 0-17
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
101 N Washington St, Forrest City, AR 72335
6 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
UP Arkansas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1501 Pike Ave, North Little Rock, AR 72114 3267
Share Certificates (Term Accounts) 6 months
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR 72039
6 Months Certificate Account
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
100 W Grove St, El Dorado, AR 71730
6-month CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
$50,000 - $250,000 New Money
Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
1100 N Illinois St, Harrisburg, AR 72432
6 MO Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR 72015 3528
6 Months Certificate of Deposit (CD) Accounts
$500
3.52%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1125 Military Rd, Benton, AR 72015
6-Month Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Fixed rate for the term of the Certificate, Certificate does not automatically renew.
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2522 S Pinnacle Hills Pkwy, Rogers, AR 72758
6-Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
206 W Main St, Walnut Ridge, AR 72476
6 month CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of 1889
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
305 Public Sq, Berryville, AR 72616
6 Month Certificate
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR 72201 1903
6 Month Share Certificates (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
2301 S University Ave, Little Rock, AR 72204 4940
6-Month Share Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
600 W Main St, Jacksonville, AR 72076
6-MONTH cD
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 6 months2
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Eaton Hydraulics, Searcy, AR 72143 7408
6 month Certificate of Deposit
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 S 21st St, FORT SMITH, AR 72901 4007
6-Month Share Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
6 Months Share and IRA Certificates
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is 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. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7301 E County Road 142, Blytheville, AR 72315 6917
6 Months Share Certificates/CDs
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR 72653
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
7333 Highway 270, Malvern, AR 72104 2078
6-Month CD
$0
1.31%
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR 72211
Share and IRA Certificate - Fixed (6 mo.)
$500
1.30%
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
200 W Court St, Paragould, AR 72450
6 Month CD
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Natural State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
901 S MAIN ST, SEARCY, AR 72143
6 Month CD
$2,000
0.50%
▼
Rate0.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR 71601
6 Month Share Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$99999 Maximum Early withdrawal penalty :
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
205 E Rice St, Pocahontas, AR 72455
Regular CD 180 Days
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Arkansas Blvd, Texarkana, AR 71854
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR 72039
IRA Plus Point Certificate 12 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 12 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR 72015 3528
12 Months Certificate of Deposit (CD) Accounts
$500
3.62%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR 72401
Roth & Educational IRA Share Certificates 12 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
12-Month Certificate of Deposit
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
2301 S University Ave, Little Rock, AR 72204 4940
12-Month Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Eaton Hydraulics, Searcy, AR 72143 7408
12 month Certificate of Deposit
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7301 E County Road 142, Blytheville, AR 72315 6917
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR 72712
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
101 N Washington St, Forrest City, AR 72335
1 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 S 21st St, FORT SMITH, AR 72901 4007
1-Year Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR 72201 1903
IRA Certificates 12 Months
$0
3.15%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UP Arkansas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1501 Pike Ave, North Little Rock, AR 72114 3267
Share Certificates (Term Accounts) 12 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of 1889
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
305 Public Sq, Berryville, AR 72616
1 Year Certificate
$0
2.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
206 W Main St, Walnut Ridge, AR 72476
12 month CD
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR 72211
Share and IRA Certificate - Fixed (1 year)
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2409 E Main St, Russellville, AR 72802
12 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
200 W Court St, Paragould, AR 72450
12 Month CD
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificates of Deposit & IRA Certificates of Deposit 1 Year
$1,000
1.85%
▼
Rate1.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
12 Month Liquid Certificate
$2,500
1.60%
▼
Rate1.59%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Arkansas Blvd, Texarkana, AR 71854
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Early withdrawal penalties may apply
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
7333 Highway 270, Malvern, AR 72104 2078
12 Month CD
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR 72653
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
600 W Main St, Jacksonville, AR 72076
1-year cd
$500
1.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 1 Year2
Subiaco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
243 Conrad St, Subiaco, AR 72865
12 Month Certificate
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
As low as
Natural State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
901 S MAIN ST, SEARCY, AR 72143
12 Month CD
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
430 N Hampton Ave, Russellville, AR 72802
12 Month Share Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
1100 N Illinois St, Harrisburg, AR 72432
12 MO Certificate of Deposit
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2020 W Reeker Ave, Pine Bluff, AR 71601
12 Month Share Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$99999 Maximum Penalty for early withdrawal
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
205 E Rice St, Pocahontas, AR 72455
Regular CD 12 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR 72712
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Eaton Hydraulics, Searcy, AR 72143 7408
18 month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR 72653
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
101 N Washington St, Forrest City, AR 72335
18 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR 72015 3528
18 Months Certificate of Deposit (CD) Accounts
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
18-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UP Arkansas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1501 Pike Ave, North Little Rock, AR 72114 3267
Share Certificates (Term Accounts) 18 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
206 W Main St, Walnut Ridge, AR 72476
18 month CD
$500
2.57%
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR 72301 2614
IRA 18-Month Certificate
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2409 E Main St, Russellville, AR 72802
18 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
200 W Court St, Paragould, AR 72450
18 Month CD
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
18 Months Share and IRA Certificates
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is 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. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
7333 Highway 270, Malvern, AR 72104 2078
18 Month CD
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
430 N Hampton Ave, Russellville, AR 72802
18 Month Share Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
1100 N Illinois St, Harrisburg, AR 72432
18 MO Certificate of Deposit
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR 72039
IRA Plus Point Certificate 24 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
4437 Jefferson Ave, Texarkana, AR 71854
24-month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR 72712
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
101 N Washington St, Forrest City, AR 72335
2 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR 72015 3528
24 Months Certificate of Deposit (CD) Accounts
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
24-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Eaton Hydraulics, Searcy, AR 72143 7408
24 month Certificate of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UP Arkansas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1501 Pike Ave, North Little Rock, AR 72114 3267
Share Certificates (Term Accounts) 24 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 S 21st St, FORT SMITH, AR 72901 4007
2-Year Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1125 Military Rd, Benton, AR 72015
2 Year Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
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.
FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
206 W Main St, Walnut Ridge, AR 72476
24 month CD
$500
2.63%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR 72653
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of 1889
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
305 Public Sq, Berryville, AR 72616
2 Year Certificate
$0
2.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR 72211
Share and IRA Certificate - Fixed (2 year)
$500
2.40%
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR 72401
Roth & Educational IRA Share Certificates 24 Month
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR 72201 1903
24 Month Share Certificates (CDs)
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificates of Deposit & IRA Certificates of Deposit 2 Year
$1,000
2.20%
▼
Rate2.18%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
200 W Court St, Paragould, AR 72450
24 Month CD
$1,000
2.10%
▼
Rate2.09%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
24 Months Share and IRA Certificates
$0
1.95%
▼
Rate1.94%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is 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. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
7333 Highway 270, Malvern, AR 72104 2078
24 Month CD
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
430 N Hampton Ave, Russellville, AR 72802
24 Month Share Certificate
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
600 W Main St, Jacksonville, AR 72076
2-year cd
$500
0.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 2 years2
Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
1100 N Illinois St, Harrisburg, AR 72432
24 MO Certificate of Deposit
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
205 E Rice St, Pocahontas, AR 72455
Regular CD 24 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR 72039
IRA Plus Point Certificate 36 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR 72712
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
101 N Washington St, Forrest City, AR 72335
3 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR 72015 3528
36 Months Certificate of Deposit (CD) Accounts
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Eaton Hydraulics, Searcy, AR 72143 7408
36 month Certificate of Deposit
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
36-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1001 S 21st St, FORT SMITH, AR 72901 4007
3-Year Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR 72653
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
206 W Main St, Walnut Ridge, AR 72476
36 month CD
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR 72211
Share and IRA Certificate - Fixed (3 year)
$500
2.40%
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
200 W Court St, Paragould, AR 72450
36 Month CD
$1,000
2.34%
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificates of Deposit & IRA Certificates of Deposit 3 Year
$1,000
2.30%
▼
Rate2.28%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of 1889
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
305 Public Sq, Berryville, AR 72616
3 Year Certificate
$0
2.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
36 Month Bump Up Certificate
$500
2.00%
▼
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
APY with Bonus Rate: 2.10%
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR 72201 1903
36 Month Share Certificates (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2407 Quality Way, Jonesboro, AR 72401
Roth & Educational IRA Share Certificates 36 Month
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
7333 Highway 270, Malvern, AR 72104 2078
36 Month CD
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
600 W Main St, Jacksonville, AR 72076
3-year cd
$500
0.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 3 years2
Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
1100 N Illinois St, Harrisburg, AR 72432
36 MO Certificate of Deposit
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
205 E Rice St, Pocahontas, AR 72455
Regular CD 36 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR 72039
IRA Plus Point Certificate 48 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR 72712
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Eaton Hydraulics, Searcy, AR 72143 7408
48 month Certificate of Deposit
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
48-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR 72653
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificates of Deposit & IRA Certificates of Deposit 4 Year
$1,000
2.60%
▼
Rate2.57%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
48 Months Share and IRA Certificates
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is 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. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR 72201 1903
48 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
7333 Highway 270, Malvern, AR 72104 2078
48 Month CD
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
1100 N Illinois St, Harrisburg, AR 72432
48 MO Certificate of Deposit
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
205 E Rice St, Pocahontas, AR 72455
Regular CD 48 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
17401 Highway 65 S, Damascus, AR 72039
IRA Plus Point Certificate 60 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2905 S Walton Blvd, Bentonville, AR 72712
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 Minimum to Earn APY
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Eaton Hydraulics, Searcy, AR 72143 7408
60 month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR 72653
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
60-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificates of Deposit & IRA Certificates of Deposit 5 Year
$1,000
2.90%
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
206 W Main St, Walnut Ridge, AR 72476
60 month CD
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
200 W Court St, Paragould, AR 72450
60 Month CD
$1,000
2.64%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR 72211
Share and IRA Certificate - Fixed (5 year)
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2409 E Main St, Russellville, AR 72802
60 Months Certificate of Deposit (CDs)
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1114 N Missouri St, West Memphis, AR 72301 2614
IRA 60-Month Certificate
$0
2.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
60 Months Share and IRA Certificates
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is 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. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1201 W 3rd ST, Little Rock, AR 72201 1903
60 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
1100 N Illinois St, Harrisburg, AR 72432
60 MO Certificate of Deposit
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
205 E Rice St, Pocahontas, AR 72455
Regular CD 60 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
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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
2.515%
▼ 0.056 vs 7 days ago
Arkansas 12-month CD rates fell 0.056 points over the past 7 days to 2.515% APY.
6-Month CD — AR Avg
3.016%
▼ 0.017 vs 7 days ago
Arkansas 6-month CD rates fell 0.017 points over the past 7 days to 3.016% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
AR CD Rate Forecast — Next 12 Months
Where are Arkansas CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AR 12-Month Avg APY
2.515%
6-Month Forecast
2.515%
Range: 2.32% – 2.67%
12-Month Forecast
2.265%
Range: 2.07% – 2.42%
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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 | 1.552% | $77.61 | $155.21 | $388.03 | $776.05 |
| 6-Month CD | 3.016% | $150.80 | $301.59 | $753.98 | $1,507.95 |
| 12-Month CD | 2.515% | $125.73 | $251.46 | $628.65 | $1,257.30 |
| 18-Month CD | 2.701% | $135.05 | $270.10 | $675.25 | $1,350.50 |
| 24-Month CD | 2.505% | $125.26 | $250.51 | $626.28 | $1,252.55 |
| 36-Month CD | 2.429% | $121.46 | $242.91 | $607.28 | $1,214.55 |
| 48-Month CD | 2.586% | $129.30 | $258.60 | $646.50 | $1,293.00 |
| 60-Month CD | 2.698% | $134.91 | $269.82 | $674.55 | $1,349.10 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
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 | 1.552% | $77.61 |
| 2 | 6-Month CD | $5,000 | 3.016% | $150.80 |
| 3 | 12-Month CD | $5,000 | 2.515% | $125.73 |
| 4 | 24-Month CD | $5,000 | 2.505% | $125.26 |
| 5 | 36-Month CD | $5,000 | 2.429% | $121.46 |
| Total ($25,000 invested) | $25,000 | 2.403% blended | $600.86/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.
37
Institutions
in Arkansas
in Arkansas
13 Banks
24 Credit Unions
About Our Arkansas CD Rate Database
MonitorBankRates tracks CD rates from 13 banks and 24 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 (1–5), 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: Armor Bank offers a CD at 4.06% APY with a minimum deposit of $500. 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 24 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 — 37 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Arkansas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$99/yr
At AR 12-mo avg 2.515% 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 2.515%, saving 10% of the local median salary ($3,942/year) and putting it in a CD would earn an additional $99 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 (90–180 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 |
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:
- Armor Bank: 4.06% APY (6-Month CD)
- Barksdale Federal Credit Union: 4.00% APY (IRA Plus Point Certificate 36 Months)
- Red River Employees Federal Credit Union: 3.95% APY (6 Month TEAL Certificate)
- MilWay Federal Credit Union: 3.90% APY (Share/IRA Certificates - 6 Months)
- First National Bank of Eastern Arkansas: 3.80% APY (6 Month CD)
- UP Arkansas Federal Credit Union: 3.75% APY (Share Certificates (Term Accounts) 6 months)
- UNIFY Financial Federal Credit Union: 3.69% APY (IRA Certificate Term 18-Month Variable)
- Simmons Bank: 3.65% APY (6-month CD)
- Hurricane Creek Federal Credit Union: 3.62% APY (12 Months Certificate of Deposit (CD) Accounts)
- Americas First Network Credit Union: 3.60% APY (Roth & Educational IRA Share Certificates 12 Month)
Rates reflect recent verified offers available in Arkansas. Last Updated: April 21, 2026
CD Calculators for Arkansas
Arkansas CD Calculator
At today’s AR top rate of 4.06% APY, a $10,000 deposit earns $406 in the first year. Enter your amount to see your exact return.
Arkansas CD LadderAR CD rates currently range from 1.552% (3-month) to 2.429% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Arkansas CD at 4.06% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsArkansas’s average 12-month CD is 2.515% 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
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 pulling data straight 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: April 21, 2026
Cities in Arkansas
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