Banks, Arkansas Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
Banks, Arkansas CD rates from banks and credit unions serving Arkansas range from 0.05% to 4.95% APY, verified by MonitorBankRates as of October 20, 2026. Current Banks, Arkansas CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering Jumbo Share Certificate 60-Month at 4.95% APY, TruService Community Federal Credit UnionTruService Community Federal Credit UnionA+5.0 ★Texas Ratio: 3.95%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Jumbo Share and IRA Certificate - Fixed at 4.50% APY, Academy BankAcademy BankA+5.0 ★Texas Ratio: 5.08%Real return: +1.60%APY minus CPI (February 2026) offering 18 Month Certificate of Deposit at 4.40% APY, Red River Employees Federal Credit UnionRed River Employees Federal Credit UnionA+5.0 ★Texas Ratio: 4.75%Real return: +1.53%APY minus CPI (February 2026) offering 6 Month TEAL Certificate at 4.33% APY, and Producers Bank & TrustProducers Bank & TrustA+5.0 ★Texas Ratio: 0.00%Real return: +1.45%APY minus CPI (February 2026) offering 12-month CD at 4.25% APY. CD rates as of October 20, 2026 according to verified data from MonitorBankRates.
Banks is a smaller community with no bank or credit union branches currently in our database. 336 institutions serving the Arkansas area are available to Banks residents, with CD rates as high as 4.95% APY from Hope Federal Credit Union Jackson, MS. 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 20, 2026
Compare Best CD Rates in Banks, Arkansas & the Surrounding Area
Banks 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00%
▲ 2.24% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▲ 2.24% above avgNationally 2.12%
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%
3 Month Share Certificate
$500
3.82%
▲ 2.06% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.76%▲ 2.06% above avgNationally 2.12%
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%
3 Month Share Certificate
$500
3.66%
▲ 1.90% above Arkansas avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.76%▲ 1.90% above avgNationally 2.12%
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%
3 Month Share Certificate
$500
3.51%
▲ 1.75% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.76%▲ 1.75% above avgNationally 2.12%
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%
3 Month Share Certificate
$500
3.50%
▲ 1.74% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.76%▲ 1.74% above avgNationally 2.12%
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%
3-Month CD
$1,000
3.40%
▲ 1.64% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▲ 1.64% above avgNationally 2.12%
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%
90-Day CD
$500
3.20%
▲ 1.44% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▲ 1.44% above avgNationally 2.12%
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 11 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
Standard Share Certificate - 3 Month
$0
3.00%
▲ 1.24% above Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.76%▲ 1.24% above avgNationally 2.12%
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%
CD - 3 Month
$0
2.94%
▲ 1.18% above Arkansas avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▲ 1.18% above avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 7 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Month Business Certificate of Deposit
$500
2.70%
▲ 0.94% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▲ 0.94% above avgNationally 2.12%
Details
Minimum $500 with automatic renewal; $2,500 minimum opening deposit without automatic renewal
Rate History
No change since Oct 20, 2026 · 2.70% APY
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 - 3 Month CD
$1,000
2.03%
▲ 0.27% above Arkansas avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▲ 0.27% above avgNationally 2.12%
Details
Rate History
No change since Oct 3, 2026 · 2.03% APY · checked 6 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
3 Month Certificates of Deposit
$1,000
2.00%
▲ 0.24% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.76%▲ 0.24% above avgNationally 2.12%
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%
Share and IRA Certificates - 3 Months
$0
1.50%
▼ 0.26% below Arkansas avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average1.76%▼ 0.26% below avgNationally 2.12%
Details
Effective Date: October 01, 2026; APY with Bonus Rate: 1.60%; Bonus rate of 0.10% APY when the Tax Reported Owner is an Ultra Checking owner with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months
$500
1.50%
▼ 0.26% below Arkansas avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average1.76%▼ 0.26% below avgNationally 2.12%
Details
Dividend Rate: 1.492%; APY with Bonus Rate: 1.60%; Minimum balance for consumer is $500; Penalty may apply for early withdrawal; Fees may reduce earnings
Rate History
1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
- Oct 2, 20261.50%▲ from 1.25%
- Sep 12, 20261.25%first recorded
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
3 Month Certificate of Deposit
$0
1.00%
▼ 0.76% below Arkansas avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.76%▼ 0.76% below avgNationally 2.12%
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%
90 Day CD
$0
0.95%
▼ 0.81% below Arkansas avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▼ 0.81% below avgNationally 2.12%
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%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.16% below Arkansas avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.76%▼ 1.16% below avgNationally 2.12%
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%
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.26% below Arkansas avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average1.76%▼ 1.26% below avgNationally 2.12%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.70% below Arkansas avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▼ 1.70% below avgNationally 2.12%
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%
90 Day Standard CD Products
$1,000
0.06%
▼ 1.70% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▼ 1.70% below avgNationally 2.12%
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%
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.71% below Arkansas avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▼ 1.71% below avgNationally 2.12%
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
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
90 Day Regular CD Account
$0
0.05%
▼ 1.71% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average1.76%▼ 1.71% below avgNationally 2.12%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Banks 6 Month CD Rates
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%
6 Month TEAL Certificate
$250
4.33%
▲ 1.71% above Arkansas avg
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 1.71% above avgNationally 2.79%
Details
Age: 13-17; Compounding: Monthly; $250 minimum
Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6-Month TEAL Certificate for Teens
$250
4.33%
▲ 1.71% above Arkansas avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 1.71% above avgNationally 2.79%
Details
Ages: 13-17; Teens Earning And Learning certificate; current dividend of 4.33% APY compounded monthly; available at local branch
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%
Share Certificate - 6 Months
$500
4.33%
▲ 1.71% above Arkansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 1.71% above avgNationally 2.79%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 4.32%
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.33% ▲ 0.33 pts · high 4.33% / low 4.00%
- Oct 4, 20264.33%▲ from 4.00%
- Sep 14, 20264.00%first recorded
First Service Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
6-Month CD
$10,000
4.15%
▲ 1.53% above Arkansas avg
▼
Rate4.09%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.62%▲ 1.53% above avgNationally 2.79%
Details
APY is accurate as of 9-1-26. Offer is subject to change.
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Certificate - 6 Months
$0
4.07%
▲ 1.45% above Arkansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 1.45% above avgNationally 2.79%
Details
Effective October 8, 2026
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
6 Month Share Certificate/IRA Share Certificate
$1,000
4.00%
▲ 1.38% above Arkansas avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 1.38% above avgNationally 2.79%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificate
$0
4.00%
▲ 1.38% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 1.38% above avgNationally 2.79%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month Share/IRA Certificates
$2,500
3.90%
▲ 1.28% above Arkansas avg
▼
Rate3.83%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 1.28% above avgNationally 2.79%
Details
Effective 08/18/25; Compounded Monthly; Early withdrawal penalties apply
Rate History
No change since Oct 15, 2026 · 3.90% APY
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
Certificates of Deposit - 6 MO
$1,000
3.82%
▲ 1.20% above Arkansas avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▲ 1.20% above avgNationally 2.79%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
1 change since Sep 7, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Sep 27, 20263.82%▲ from 3.56%
- Sep 7, 20263.56%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Share Certificate
$500
3.82%
▲ 1.20% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▲ 1.20% above avgNationally 2.79%
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%
6 Month CD
$1,000
3.80%
▲ 1.18% above Arkansas avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▲ 1.18% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 10 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Share Certificate
$500
3.66%
▲ 1.04% above Arkansas avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▲ 1.04% above avgNationally 2.79%
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%
6-month CD
$50,000
3.65%
▲ 1.03% above Arkansas avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▲ 1.03% above avgNationally 2.79%
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
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Shared Certificate - 6 Months
$500
3.52%
▲ 0.90% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 0.90% above avgNationally 2.79%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
No change since Oct 9, 2026 · 3.52% APY · checked 3 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month Share Certificate
$500
3.51%
▲ 0.89% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▲ 0.89% above avgNationally 2.79%
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%
6 Month Certificate of Deposit
$0
3.50%
▲ 0.88% above Arkansas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▲ 0.88% above avgNationally 2.79%
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%
6 Month Share Certificate
$500
3.50%
▲ 0.88% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▲ 0.88% above avgNationally 2.79%
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%
6-Month CD
$1,000
3.40%
▲ 0.78% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▲ 0.78% above avgNationally 2.79%
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%
6 Month Share Certificate
$500
3.40%
▲ 0.78% above Arkansas avg
▼
Rate3.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 0.78% above avgNationally 2.79%
Details
$500 minimum investment
Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 3 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificates - 6 Months
$0
3.40%
▲ 0.78% above Arkansas avg
▼
Rate3.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 0.78% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 6-month
$0
3.40%
▲ 0.78% above Arkansas avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▲ 0.78% above avgNationally 2.79%
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%
Share Certificate 6 Month
$0
3.27%
▲ 0.65% above Arkansas avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 0.65% above avgNationally 2.79%
Details
Dividend rate 3.24%; APY 3.27%
Rate History
No change since Sep 18, 2026 · 3.27% APY · checked 5 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 6 Month
$0
3.20%
▲ 0.58% above Arkansas avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▲ 0.58% above avgNationally 2.79%
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%
6 Month Certificate
$500
3.02%
▲ 0.40% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▲ 0.40% above avgNationally 2.79%
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 10 times
Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
6-Month Certificate
$1,000
3.00%
▲ 0.38% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 0.38% above avgNationally 2.79%
Details
Fixed rate for the term of the Certificate; does not automatically renew.
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month Share Certificate
$0
3.00%
▲ 0.38% above Arkansas avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 0.38% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificates (CDs) - 6 Months
$0
3.00%
▲ 0.38% above Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▲ 0.38% above avgNationally 2.79%
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%
6-Month CD
$500
2.95%
▲ 0.33% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▲ 0.33% above avgNationally 2.79%
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 11 times
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Certificate Special - 6 Months
$500
2.78%
▲ 0.16% above Arkansas avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▲ 0.16% above avgNationally 2.79%
Details
Limited time special rate; APY = Annual Percentage Yield
Rate History
No change since Oct 5, 2026 · 2.78% APY · checked 3 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
Standard Share Certificate - 6 Month
$0
2.75%
▲ 0.13% above Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▲ 0.13% above avgNationally 2.79%
Details
All rates effective 10/1/2026
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%
6 Month Business Certificate of Deposit
$500
2.70%
▲ 0.08% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▲ 0.08% above avgNationally 2.79%
Details
Minimum $500 with automatic renewal; $2,500 minimum opening deposit without automatic renewal
Rate History
No change since Oct 20, 2026 · 2.70% APY
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 Month Certificates of Deposit
$1,000
2.50%
▼ 0.12% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▼ 0.12% below avgNationally 2.79%
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%
6 Month Certificate of Deposit
$0
2.42%
▼ 0.20% below Arkansas avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▼ 0.20% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 2.42% APY · checked 8 times
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6-Month Share Certificate
$500
2.00%
▼ 0.62% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▼ 0.62% below avgNationally 2.79%
Details
Dividends compounded and credited quarterly; penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 8 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 6 Months
$0
1.55%
▼ 1.07% below Arkansas avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▼ 1.07% below avgNationally 2.79%
Details
Effective Date: October 01, 2026; APY with Bonus Rate: 1.65%; Bonus rate of 0.10% APY when the Tax Reported Owner is an Ultra Checking owner with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 1.55% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 6 Months
$500
1.55%
▼ 1.07% below Arkansas avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▼ 1.07% below avgNationally 2.79%
Details
Dividend Rate: 1.541%; APY with Bonus Rate: 1.65%; Minimum balance for consumer is $500; Penalty may apply for early withdrawal; Fees may reduce earnings
Rate History
1 change since Sep 12, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50%
- Oct 2, 20261.55%▲ from 1.50%
- Sep 12, 20261.50%first recorded
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
6 Month Jumbo Share and IRA Certificate - Fixed
$100,000
1.55%
▼ 1.07% below Arkansas avg
▼
Rate1.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▼ 1.07% below avgNationally 2.79%
Details
Minimum to Earn Dividends: $100,000
Rate History
No change since Oct 13, 2026 · 1.55% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
180 Day Standard CD Products
$1,000
1.50%
▼ 1.12% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▼ 1.12% below avgNationally 2.79%
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%
IRA CD - 6 Months
$1,000
1.50%
▼ 1.12% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▼ 1.12% below avgNationally 2.79%
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%
Share Certificates - 6 Months
$1,000
1.40%
▼ 1.22% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▼ 1.22% below avgNationally 2.79%
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%
6 Month Standard CDs - Rewards
$0
1.35%
▼ 1.27% below Arkansas avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▼ 1.27% below avgNationally 2.79%
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%
6-Month CD
$500
1.31%
▼ 1.31% below Arkansas avg
▼
Rate1.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▼ 1.31% below avgNationally 2.79%
Details
Rate History
No change since Oct 9, 2026 · 1.31% APY · checked 3 times
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
6 Month Share and IRA Certificate - Fixed
$1,000
1.30%
▼ 1.32% below Arkansas avg
▼
Rate1.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.62%▼ 1.32% below avgNationally 2.79%
Details
Minimum to Earn Dividends: $1000
Rate History
No change since Oct 13, 2026 · 1.30% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6 Month Standard CDs - Regular
$0
1.25%
▼ 1.37% below Arkansas avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▼ 1.37% below avgNationally 2.79%
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%
6 Month CD
$0
1.00%
▼ 1.62% below Arkansas avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▼ 1.62% below avgNationally 2.79%
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
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Jumbo Share Certificate 6-Month
$95,000
0.75%
▼ 1.87% below Arkansas avg
▼
Rate0.75%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▼ 1.87% below avgNationally 2.79%
Details
Jumbo rate; Standard jumbo rates available on deposits of $95,000 or more; Early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 2 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate 6-Month
$1,000
0.75%
▼ 1.87% below Arkansas avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.62%▼ 1.87% below avgNationally 2.79%
Details
Share Certificates (CDs) ($1,000 Minimum); Early withdrawal penalties apply
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 2 times
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
6 Month Certificates of Deposit (CDs)
$0
0.30%
▼ 2.32% below Arkansas avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.62%▼ 2.32% below avgNationally 2.79%
Details
Balance: $10,000+
Rate History
No change since Sep 11, 2026 · 0.30% APY · checked 7 times
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
6 Month Certificates of Deposit (CDs)
$0
0.20%
▼ 2.42% below Arkansas avg
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.62%▼ 2.42% below avgNationally 2.79%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 7 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
180 Day Regular CD Account
$0
0.10%
▼ 2.52% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.62%▼ 2.52% below avgNationally 2.79%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Banks 12 Month CD Rates
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%
Jumbo Share Certificate 12-Month
$95,000
4.53%
▲ 1.53% above Arkansas avg
▼
Rate4.43%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 1.53% above avgNationally 3.00%
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
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 12 Months
$500
4.33%
▲ 1.33% above Arkansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 1.33% above avgNationally 3.00%
Details
Dividends Monthly/Quarterly; Quarterly APY: 4.32%
Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 12 Months
$500
4.33%
▲ 1.33% above Arkansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 1.33% above avgNationally 3.00%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 4.32%
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.33% ▲ 0.33 pts · high 4.33% / low 4.00%
- Oct 4, 20264.33%▲ from 4.07%
- Sep 25, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Producers Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-month CD
$0
4.25%
▲ 1.25% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average3.00%▲ 1.25% above avgNationally 3.00%
Details
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
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
12 Month Certificate of Deposit - Special Offering
$1,000
4.25%
▲ 1.25% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 1.25% above avgNationally 3.00%
Details
Special offer; not available on new money deposits (reserved for money already on deposit as of last statement cycle); specials are non-renewable and for a limited time; effective 08/25/26
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 Month Certificate of Deposit
$500
4.20%
▲ 1.20% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▲ 1.20% above avgNationally 3.00%
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%
12 Month Share Certificate/IRA Share Certificate
$1,000
4.10%
▲ 1.10% above Arkansas avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 1.10% above avgNationally 3.00%
Details
Rate History
No change since Oct 12, 2026 · 4.10% APY · checked 2 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 Year CD
$1,000
4.07%
▲ 1.07% above Arkansas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▲ 1.07% above avgNationally 3.00%
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%
Certificate - 12 Months
$0
4.07%
▲ 1.07% above Arkansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 1.07% above avgNationally 3.00%
Details
Effective October 8, 2026
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
Texana Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
CD Special - 12 Month Term
$0
4.00%
▲ 1.00% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▲ 1.00% above avgNationally 3.00%
Details
Limited Time Offer
Rate History
No change since Oct 20, 2026 · 4.00% APY
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Share Certificate
$0
4.00%
▲ 1.00% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 1.00% above avgNationally 3.00%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Youth Share Certificates
$0
4.00%
▲ 1.00% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 1.00% above avgNationally 3.00%
Details
Balance: Under $10,000; Plus Youth Bonus (4.00% + Youth Bonus as printed)
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Share 12 Months
$500
3.85%
▲ 0.85% above Arkansas avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.85% above avgNationally 3.00%
Details
IRA Share (variable); Dividend rate 3.80%; APY ^
Rate History
2 changes since Sep 14, 2026 · 3.85% → 3.85% ▼ 0.00 pts · high 3.85% / low 0.25%
- Oct 15, 20263.85%▲ from 0.25%
- Oct 5, 20260.25%▼ from 3.85%
- Sep 14, 20263.85%first recorded
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month Share/IRA Certificates
$2,500
3.85%
▲ 0.85% above Arkansas avg
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.85% above avgNationally 3.00%
Details
Effective 08/18/25; Compounded Monthly; Early withdrawal penalties apply
Rate History
No change since Oct 15, 2026 · 3.85% APY
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
12 Month Share Certificate
$500
3.82%
▲ 0.82% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.82% above avgNationally 3.00%
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%
12 Month Share Certificate
$500
3.75%
▲ 0.75% above Arkansas avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.75% above avgNationally 3.00%
Details
$500 minimum investment
Rate History
1 change since Sep 21, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
- Oct 5, 20263.75%▲ from 3.70%
- Sep 21, 20263.70%first recorded
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificates - 12 Months
$0
3.75%
▲ 0.75% above Arkansas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.75% above avgNationally 3.00%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 12-month
$0
3.70%
▲ 0.70% above Arkansas avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.70% above avgNationally 3.00%
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%
12 Month Share Certificate
$500
3.66%
▲ 0.66% above Arkansas avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.66% above avgNationally 3.00%
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
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Shared Certificate - 12 Months
$500
3.62%
▲ 0.62% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.62% above avgNationally 3.00%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
No change since Oct 9, 2026 · 3.62% APY · checked 3 times
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
Share Certificate 1 Year Jumbo
$0
3.54%
▲ 0.54% above Arkansas avg
▼
Rate3.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.54% above avgNationally 3.00%
Details
Jumbo; Dividend rate 3.48%; APY 3.54%
Rate History
No change since Sep 18, 2026 · 3.54% APY · checked 5 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 12 Month
$0
3.51%
▲ 0.51% above Arkansas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▲ 0.51% above avgNationally 3.00%
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%
12 Month Share Certificate
$500
3.51%
▲ 0.51% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.51% above avgNationally 3.00%
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%
12 Month IRA Fixed
$100
3.50%
▲ 0.50% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▲ 0.50% above avgNationally 3.00%
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%
12 Month IRA Variable
$100
3.50%
▲ 0.50% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▲ 0.50% above avgNationally 3.00%
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%
12-Month Share Certificate
$0
3.50%
▲ 0.50% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.50% above avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
12 Month Certificates of Deposit
$1,000
3.50%
▲ 0.50% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.50% above avgNationally 3.00%
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%
12 Month Share Certificate
$500
3.50%
▲ 0.50% above Arkansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.50% above avgNationally 3.00%
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%
12 Month Certificate of Deposit
$0
3.49%
▲ 0.49% above Arkansas avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.49% above avgNationally 3.00%
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%
12 Month Share Certificate
$1,000
3.40%
▲ 0.40% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.40% above avgNationally 3.00%
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%
Share Certificates - 12 Months
$1,000
3.40%
▲ 0.40% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.40% above avgNationally 3.00%
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%
Share Certificate 1 Year
$0
3.28%
▲ 0.28% above Arkansas avg
▼
Rate3.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.28% above avgNationally 3.00%
Details
Dividend rate 3.23%; APY 3.28%
Rate History
No change since Sep 18, 2026 · 3.28% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
CD 12 Month
$0
3.25%
▲ 0.25% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▲ 0.25% above avgNationally 3.00%
Details
Balance: $100,000 and above; special rate on select new CD accounts
Rate History
2 changes since Sep 18, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 0.05%
- Oct 20, 20263.25%▲ from 0.05%
- Oct 15, 20260.05%▼ from 3.25%
- Sep 18, 20263.25%first recorded
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1-Year Share Certificate
$500
3.25%
▲ 0.25% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.25% above avgNationally 3.00%
Details
Dividends compounded and credited quarterly; penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate 12-Month
$1,000
3.04%
▲ 0.04% above Arkansas avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.04% above avgNationally 3.00%
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%
Certificate Special - 12 Months
$500
3.04%
▲ 0.04% above Arkansas avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.04% above avgNationally 3.00%
Details
Limited time special rate; APY = Annual Percentage Yield
Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 3 times
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
Roth & Educational IRA Share Certificate - 12 Month
$0
3.00%
At Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%At the averageNationally 3.00%
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%
Standard IRA Share Certificate - 12 Month
$0
3.00%
At Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%At the averageNationally 3.00%
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%
Standard Share Certificate - 12 Month
$0
3.00%
At Arkansas avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%At the averageNationally 3.00%
Details
All rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
1 Year Certificate
$500
2.77%
▼ 0.23% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 0.23% below avgNationally 3.00%
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 10 times
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
IRA 12 Month CD
$500
2.77%
▼ 0.23% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 0.23% below avgNationally 3.00%
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
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1 Year Certificate of Deposit
$0
2.75%
▼ 0.25% below Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 0.25% below avgNationally 3.00%
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%
Share Certificates (CDs) - 12 Months
$0
2.75%
▼ 0.25% below Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▼ 0.25% below avgNationally 3.00%
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%
12 Month Business Certificate of Deposit
$500
2.70%
▼ 0.30% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 0.30% below avgNationally 3.00%
Details
Rate History
No change since Oct 14, 2026 · 2.70% APY · checked 2 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
12-Month CD
$500
2.70%
▼ 0.30% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 0.30% below avgNationally 3.00%
Details
$500 minimum opening deposit with automatic renewal, $2,500 without; FDIC insured up to maximum amount allowed
Rate History
No change since Sep 9, 2026 · 2.70% APY · checked 9 times
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.50%
▼ 0.50% below Arkansas avg
▼
Rate2.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▼ 0.50% below avgNationally 3.00%
Details
Minimum to Earn Dividends: $100,000
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1 Year Share and IRA Certificate - Fixed
$1,000
2.25%
▼ 0.75% below Arkansas avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▼ 0.75% below avgNationally 3.00%
Details
Minimum to Earn Dividends: $1000
Rate History
No change since Oct 13, 2026 · 2.25% APY · checked 2 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month CD
$0
2.00%
▼ 1.00% below Arkansas avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 1.00% below avgNationally 3.00%
Details
Available as an I.R.A. account; Certificates of Deposit subject to early withdrawal penalty
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
12 Month Certificate
$500
2.00%
▼ 1.00% below Arkansas avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average3.00%▼ 1.00% below avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Liquid Certificate 12 Month
$0
1.60%
▼ 1.40% below Arkansas avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▼ 1.40% below avgNationally 3.00%
Details
Balance: $2,500 - $250,000; Effective Date: October 01, 2026; APY with Bonus Rate 1.70% when Tax Reported Owner holds an Ultra Checking account with average monthly balance of at least $1.00; A penalty may be charged for early withdrawal
Rate History
No change since Sep 12, 2026 · 1.60% APY · checked 6 times
Banks 18 Month CD Rates
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%
18 Month Jumbo Share and IRA Certificate - Fixed
$100,000
4.50%
▲ 1.56% above Arkansas avg
▼
Rate4.43%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▲ 1.56% above avgNationally 2.88%
Details
Minimum to Earn Dividends: $100,000; Promotional rate for a limited time on new money only
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
18 Month Certificate of Deposit
$500
4.40%
▲ 1.46% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▲ 1.46% 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%
IRA Certificate 18 Months
$500
4.33%
▲ 1.39% above Arkansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▲ 1.39% above avgNationally 2.88%
Details
Dividends Monthly
Rate History
No change since Oct 12, 2026 · 4.33% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 18 Months
$500
4.33%
▲ 1.39% above Arkansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▲ 1.39% above avgNationally 2.88%
Details
Compounding: Monthly
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.33% ▲ 0.57 pts · high 4.33% / low 3.76%
- Oct 4, 20264.33%▲ from 3.76%
- Sep 14, 20263.76%first recorded
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 Month Share and IRA Certificate - Fixed
$1,000
4.25%
▲ 1.31% above Arkansas avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▲ 1.31% above avgNationally 2.88%
Details
Minimum to Earn Dividends: $1000; Promotional rate for a limited time on new money only
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
Certificates of Deposit - 18 MO
$1,000
4.12%
▲ 1.18% above Arkansas avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▲ 1.18% above avgNationally 2.88%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
1 change since Sep 7, 2026 · 0.55% → 4.12% ▲ 3.57 pts · high 4.12% / low 0.55%
- Sep 27, 20264.12%▲ from 0.55%
- Sep 7, 20260.55%first recorded
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 Month Certificates of Deposit
$1,000
4.00%
▲ 1.06% above Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▲ 1.06% 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%
Regular Certificates - 18-month
$0
3.90%
▲ 0.96% above Arkansas avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▲ 0.96% 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%
18 Month Share/IRA Certificates
$2,500
3.80%
▲ 0.86% above Arkansas avg
▼
Rate3.73%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▲ 0.86% above avgNationally 2.88%
Details
Effective 08/18/25; Compounded Monthly; Early withdrawal penalties apply
Rate History
No change since Oct 15, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.86% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▲ 0.86% 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%
18 Month CD Specials - Rewards
$0
3.80%
▲ 0.86% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▲ 0.86% 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%
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 0.86% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▲ 0.86% 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%
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 0.86% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▲ 0.86% 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%
IRA CD Specials - 18-month term
$0
3.80%
▲ 0.86% above Arkansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▲ 0.86% 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
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
18 Month CD
$500
3.75%
▲ 0.81% above Arkansas avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▲ 0.81% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
18 Month Certificate of Deposit
$0
3.55%
▲ 0.61% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▲ 0.61% 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%
18 Month IRA Fixed
$100
3.50%
▲ 0.56% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▲ 0.56% 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%
Share Certificates (CDs) - 18 Months
$0
3.50%
▲ 0.56% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▲ 0.56% 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%
CD - 18 Month
$0
3.46%
▲ 0.52% above Arkansas avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▲ 0.52% 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%
18 Month CD
$1,000
3.30%
▲ 0.36% above Arkansas avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▲ 0.36% 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
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Shared Certificate - 18 Months
$500
3.25%
▲ 0.31% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▲ 0.31% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 3 times
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Certificate Special - 18 Months
$500
3.04%
▲ 0.10% above Arkansas avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▲ 0.10% above avgNationally 2.88%
Details
Limited time special rate; APY = Annual Percentage Yield
Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 3 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
IRA 18-Month Certificate
$0
2.87%
▼ 0.07% below Arkansas avg
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▼ 0.07% 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
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
18 Month IRA
$0
2.78%
▼ 0.16% below Arkansas avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▼ 0.16% 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
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
Standard Share Certificate - 18 Month
$0
2.50%
▼ 0.44% below Arkansas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.94%▼ 0.44% 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%
18 Month Business Certificate of Deposit
$500
2.30%
▼ 0.64% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▼ 0.64% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.30% APY · checked 2 times
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
18-Month CD
$500
2.30%
▼ 0.64% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▼ 0.64% below avgNationally 2.88%
Details
$500 minimum opening deposit with automatic renewal, $2,500 without; FDIC insured up to maximum amount allowed
Rate History
No change since Sep 9, 2026 · 2.30% APY · checked 9 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
18 Month Certificate
$500
2.00%
▼ 0.94% below Arkansas avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.94%▼ 0.94% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month CD
$0
1.90%
▼ 1.04% below Arkansas avg
▼
Rate1.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▼ 1.04% 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%
Share and IRA Certificates - 18 Months
$0
1.65%
▼ 1.29% below Arkansas avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▼ 1.29% below avgNationally 2.88%
Details
Effective Date: October 01, 2026; APY with Bonus Rate: 1.75%; Bonus rate of 0.10% APY when the Tax Reported Owner is an Ultra Checking owner with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 1.65% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 18 Months
$500
1.65%
▼ 1.29% below Arkansas avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▼ 1.29% below avgNationally 2.88%
Details
Dividend Rate: 1.640%; APY with Bonus Rate: 1.75%; Minimum balance for consumer is $500; Penalty may apply for early withdrawal; Fees may reduce earnings
Rate History
1 change since Sep 12, 2026 · 1.60% → 1.65% ▲ 0.05 pts · high 1.65% / low 1.60%
- Oct 2, 20261.65%▲ from 1.60%
- Sep 12, 20261.60%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Standard CD Products
$1,000
1.50%
▼ 1.44% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▼ 1.44% 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%
IRA CD - 18 Months
$1,000
1.50%
▼ 1.44% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.94%▼ 1.44% 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
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
18 Month Certificates of Deposit (CDs)
$0
0.45%
▼ 2.49% below Arkansas avg
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.94%▼ 2.49% below avgNationally 2.88%
Details
Balance: $10,000+
Rate History
No change since Sep 11, 2026 · 0.45% APY · checked 7 times
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
18 Month Certificates of Deposit (CDs)
$0
0.35%
▼ 2.59% below Arkansas avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.94%▼ 2.59% below avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 11, 2026 · 0.35% APY · checked 7 times
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
18 Month Share Certificate
$0
0.26%
▼ 2.68% below Arkansas avg
▼
Rate0.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.94%▼ 2.68% below avgNationally 2.88%
Details
Rate Schedule as of October 1, 2026
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
Banks 24 Month CD Rates
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%
Jumbo Share Certificate 24-Month
$95,000
4.82%
▲ 1.86% above Arkansas avg
▼
Rate4.71%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▲ 1.86% 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
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Month Certificate of Deposit - Special Offering
$1,000
4.25%
▲ 1.29% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 1.29% above avgNationally 2.90%
Details
Special offer; not available on new money deposits (reserved for money already on deposit as of last statement cycle); specials are non-renewable and for a limited time; effective 08/25/26
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
24 Month Share Certificate/IRA Share Certificate
$1,000
4.15%
▲ 1.19% above Arkansas avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 2 times
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
24 Month CD
$500
4.15%
▲ 1.19% above Arkansas avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 3 times
First Service Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
24-Month CD
$10,000
4.00%
▲ 1.04% above Arkansas avg
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.96%▲ 1.04% above avgNationally 2.90%
Details
APY is accurate as of 9-1-26. Offer is subject to change.
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 24 Months
$500
3.82%
▲ 0.86% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.86% above avgNationally 2.90%
Details
Dividends Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 24 Months
$500
3.82%
▲ 0.86% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.86% above avgNationally 2.90%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.82% ▲ 0.12 pts · high 3.82% / low 3.70%
- Oct 4, 20263.82%▲ from 3.77%
- Sep 25, 20263.77%▲ from 3.70%
- Sep 14, 20263.70%first recorded
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month Share/IRA Certificates
$2,500
3.75%
▲ 0.79% above Arkansas avg
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.79% above avgNationally 2.90%
Details
Effective 08/18/25; Compounded Monthly; Early withdrawal penalties apply
Rate History
No change since Oct 15, 2026 · 3.75% APY
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24 Month Share Certificate
$500
3.71%
▲ 0.75% above Arkansas avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▲ 0.75% 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%
Regular Certificates - 24-month
$0
3.65%
▲ 0.69% above Arkansas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▲ 0.69% 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%
2 Year CD
$1,000
3.56%
▲ 0.60% above Arkansas avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▲ 0.60% 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
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Certificate - 24 Months
$0
3.56%
▲ 0.60% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.60% above avgNationally 2.90%
Details
Effective October 8, 2026
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
24 Month Share Certificate
$500
3.56%
▲ 0.60% above Arkansas avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▲ 0.60% 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%
24 Month Certificate of Deposit
$500
3.51%
▲ 0.55% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▲ 0.55% 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%
24 Month IRA Fixed
$100
3.50%
▲ 0.54% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▲ 0.54% 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%
24 Month Share Certificate
$0
3.50%
▲ 0.54% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.54% above avgNationally 2.90%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificates (CDs) - 24 Months
$0
3.50%
▲ 0.54% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▲ 0.54% 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%
Share Certificate 2 Year Jumbo
$0
3.44%
▲ 0.48% above Arkansas avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.48% above avgNationally 2.90%
Details
Jumbo; Dividend rate 3.39%; APY 3.44%
Rate History
No change since Sep 18, 2026 · 3.44% APY · checked 5 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 24 Month
$0
3.41%
▲ 0.45% above Arkansas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▲ 0.45% 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%
24 Month Share Certificate
$500
3.41%
▲ 0.45% above Arkansas avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▲ 0.45% 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%
24 Month Share Certificate
$500
3.40%
▲ 0.44% above Arkansas avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▲ 0.44% 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%
2 Year Certificate
$2,500
3.35%
▲ 0.39% above Arkansas avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.39% 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 9 times
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Shared Certificate - 24 Months
$500
3.25%
▲ 0.29% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.29% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 3 times
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
Share Certificate 2 Year
$0
3.19%
▲ 0.23% above Arkansas avg
▼
Rate3.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.23% above avgNationally 2.90%
Details
Dividend rate 3.14%; APY 3.19%
Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 5 times
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Certificate Special - 24 Months
$500
3.04%
▲ 0.08% above Arkansas avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.08% above avgNationally 2.90%
Details
Limited time special rate; APY = Annual Percentage Yield
Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 3 times
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
24 Month Certificate of Deposit
$0
3.03%
▲ 0.07% above Arkansas avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▲ 0.07% 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%
2-Year Share Certificate
$500
3.00%
▲ 0.04% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▲ 0.04% above avgNationally 2.90%
Details
Dividends compounded and credited quarterly; penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate 24-Month
$1,000
2.87%
▼ 0.09% below Arkansas avg
▼
Rate2.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▼ 0.09% below 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
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.65%
▼ 0.31% below Arkansas avg
▼
Rate2.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▼ 0.31% below avgNationally 2.90%
Details
Minimum to Earn Dividends: $100,000
Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Rewards
$0
2.60%
▼ 0.36% below Arkansas avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▼ 0.36% 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%
24 Month Standard IRA CDs - Rewards
$0
2.60%
▼ 0.36% below Arkansas avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▼ 0.36% 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%
IRA Share 24 Months
$500
2.52%
▼ 0.44% below Arkansas avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▼ 0.44% below avgNationally 2.90%
Details
IRA Share (variable); Dividend rate 2.50%; APY ^
Rate History
2 changes since Sep 14, 2026 · 2.52% → 2.52% ▼ 0.00 pts · high 3.85% / low 2.52%
- Oct 15, 20262.52%▼ from 3.85%
- Oct 5, 20263.85%▲ from 2.52%
- Sep 14, 20262.52%first recorded
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
2 Year Certificate
$500
2.52%
▼ 0.44% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▼ 0.44% 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 10 times
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
IRA 24 Month CD
$500
2.52%
▼ 0.44% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▼ 0.44% 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
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
2 Year Certificate of Deposit
$0
2.50%
▼ 0.46% below Arkansas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▼ 0.46% 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%
2 Year Share and IRA Certificate - Fixed
$1,000
2.40%
▼ 0.56% below Arkansas avg
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▼ 0.56% below avgNationally 2.90%
Details
Minimum to Earn Dividends: $1000
Rate History
No change since Oct 13, 2026 · 2.40% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
24 Month Standard CDs - Regular
$0
2.34%
▼ 0.62% below Arkansas avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▼ 0.62% 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%
24 Month Standard IRA CDs - Regular
$0
2.34%
▼ 0.62% below Arkansas avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▼ 0.62% below avgNationally 2.90%
Details
Regular APY column; Dividend Rate 2.32%
Rate History
No change since Oct 19, 2026 · 2.34% APY
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
IRA Certificate 24 Months
$0
2.25%
▼ 0.71% below Arkansas avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▼ 0.71% 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%
Roth & Educational IRA Share Certificate - 24 Month
$0
2.25%
▼ 0.71% below Arkansas avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▼ 0.71% 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%
Standard IRA Share Certificate - 24 Month
$0
2.25%
▼ 0.71% below Arkansas avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▼ 0.71% 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%
Standard Share Certificate - 24 Month
$0
2.25%
▼ 0.71% below Arkansas avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.96%▼ 0.71% 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
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month CD
$0
2.10%
▼ 0.86% below Arkansas avg
▼
Rate2.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▼ 0.86% 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%
24 Month Share Certificate
$500
2.02%
▼ 0.94% below Arkansas avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▼ 0.94% below avgNationally 2.90%
Details
$500 minimum investment
Rate History
No change since Oct 5, 2026 · 2.02% APY · checked 3 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificates - 24 Months
$0
2.02%
▼ 0.94% below Arkansas avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▼ 0.94% below avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 2.02% APY · checked 2 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
24 Month Share Certificate
$500
2.00%
▼ 0.96% below Arkansas avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▼ 0.96% below avgNationally 2.90%
Details
Members given a variety of investment choices with certificates from 6 to 36 months
Rate History
1 change since Oct 5, 2026 · 2.02% → 2.00% ▼ 0.02 pts · high 2.02% / low 2.00%
- Oct 15, 20262.00%▼ from 2.02%
- Oct 5, 20262.02%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 24 Months
$0
1.85%
▼ 1.11% below Arkansas avg
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▼ 1.11% below avgNationally 2.90%
Details
Effective Date: October 01, 2026; APY with Bonus Rate: 1.95%; Bonus rate of 0.10% APY when the Tax Reported Owner is an Ultra Checking owner with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 1.85% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 24 Months
$500
1.85%
▼ 1.11% below Arkansas avg
▼
Rate1.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.96%▼ 1.11% below avgNationally 2.90%
Details
Dividend Rate: 1.837%; APY with Bonus Rate: 1.95%; Minimum balance for consumer is $500; Penalty may apply for early withdrawal; Fees may reduce earnings
Rate History
1 change since Sep 12, 2026 · 1.95% → 1.85% ▼ 0.10 pts · high 1.95% / low 1.85%
- Oct 2, 20261.85%▼ from 1.95%
- Sep 12, 20261.95%first recorded
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
2 Year Standard CD Products
$1,000
1.50%
▼ 1.46% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▼ 1.46% below avgNationally 2.90%
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%
IRA CD - 2 Years
$1,000
1.50%
▼ 1.46% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.96%▼ 1.46% below avgNationally 2.90%
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
Banks 36 Month CD Rates
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%
Jumbo Share Certificate 36-Month
$95,000
4.93%
▲ 2.19% above Arkansas avg
▼
Rate4.81%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 2.19% above avgNationally 2.82%
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%
36 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▲ 1.51% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 1.51% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
36 Month Share Certificate
$500
3.97%
▲ 1.23% above Arkansas avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 1.23% above avgNationally 2.82%
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%
IRA Certificate 36 Months
$500
3.82%
▲ 1.08% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 1.08% above avgNationally 2.82%
Details
Dividends Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 36 Months
$500
3.82%
▲ 1.08% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 1.08% above avgNationally 2.82%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45%
- Oct 4, 20263.82%▲ from 3.51%
- Sep 25, 20263.51%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
36 Month Share Certificate
$500
3.82%
▲ 1.08% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 1.08% above avgNationally 2.82%
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
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
36 Month Share Certificate
$500
3.66%
▲ 0.92% above Arkansas avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 0.92% above avgNationally 2.82%
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%
Regular Certificates - 36-month
$0
3.65%
▲ 0.91% above Arkansas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 0.91% above avgNationally 2.82%
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%
3 Year CD
$1,000
3.56%
▲ 0.82% above Arkansas avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▲ 0.82% above avgNationally 2.82%
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%
Certificate - 36 Months
$0
3.56%
▲ 0.82% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 0.82% above avgNationally 2.82%
Details
Effective October 8, 2026
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
36 Month Certificate of Deposit
$500
3.51%
▲ 0.77% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▲ 0.77% above avgNationally 2.82%
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%
36 Month IRA Fixed
$100
3.50%
▲ 0.76% above Arkansas avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▲ 0.76% above avgNationally 2.82%
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%
Share Certificates (CDs) - 36 Months
$0
3.50%
▲ 0.76% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 0.76% above avgNationally 2.82%
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%
Share Certificate 3 Year Jumbo
$0
3.43%
▲ 0.69% above Arkansas avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 0.69% above avgNationally 2.82%
Details
Jumbo; Dividend rate 3.38%; APY 3.43%
Rate History
No change since Sep 18, 2026 · 3.43% APY · checked 5 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 36 Month
$0
3.41%
▲ 0.67% above Arkansas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▲ 0.67% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Shared Certificate - 36 Months
$500
3.25%
▲ 0.51% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 0.51% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 90 days interest
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 3 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Month Share Certificate
$0
3.25%
▲ 0.51% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 0.51% above avgNationally 2.82%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
Share Certificate 3 Year
$0
3.18%
▲ 0.44% above Arkansas avg
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 0.44% above avgNationally 2.82%
Details
Dividend rate 3.13%; APY 3.18%
Rate History
No change since Sep 18, 2026 · 3.18% APY · checked 5 times
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
36 Month Certificate of Deposit
$0
3.08%
▲ 0.34% above Arkansas avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 0.34% above avgNationally 2.82%
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%
Certificate Special - 36 Months
$500
3.04%
▲ 0.30% above Arkansas avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 0.30% above avgNationally 2.82%
Details
Limited time special rate; APY = Annual Percentage Yield
Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 3 times
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3-Year Share Certificate
$500
3.00%
▲ 0.26% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▲ 0.26% above avgNationally 2.82%
Details
Dividends compounded and credited quarterly; penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate 36-Month
$1,000
2.93%
▲ 0.19% above Arkansas avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 0.19% above avgNationally 2.82%
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%
36 Month Standard CDs - Rewards
$0
2.75%
▲ 0.01% above Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 0.01% above avgNationally 2.82%
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%
36 Month Standard IRA CDs - Rewards
$0
2.75%
▲ 0.01% above Arkansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▲ 0.01% above avgNationally 2.82%
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%
3 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.65%
▼ 0.09% below Arkansas avg
▼
Rate2.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▼ 0.09% below avgNationally 2.82%
Details
Minimum to Earn Dividends: $100,000
Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 2 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
36 Month Share Certificate
$500
2.52%
▼ 0.22% below Arkansas avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▼ 0.22% below avgNationally 2.82%
Details
$500 minimum investment
Rate History
No change since Oct 5, 2026 · 2.52% APY · checked 3 times
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Share Certificates - 36 Months
$0
2.52%
▼ 0.22% below Arkansas avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▼ 0.22% below avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 2.52% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
36 Month Standard CDs - Regular
$0
2.49%
▼ 0.25% below Arkansas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▼ 0.25% below avgNationally 2.82%
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%
36 Month Standard IRA CDs - Regular
$0
2.49%
▼ 0.25% below Arkansas avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▼ 0.25% below avgNationally 2.82%
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%
3 Year Share and IRA Certificate - Fixed
$1,000
2.40%
▼ 0.34% below Arkansas avg
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▼ 0.34% below avgNationally 2.82%
Details
Minimum to Earn Dividends: $1000
Rate History
No change since Oct 13, 2026 · 2.40% APY · checked 2 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month CD
$0
2.34%
▼ 0.40% below Arkansas avg
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▼ 0.40% below avgNationally 2.82%
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
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
IRA Share 36 Months
$500
2.27%
▼ 0.47% below Arkansas avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▼ 0.47% below avgNationally 2.82%
Details
IRA Share (variable); Dividend rate 2.25%; APY ^
Rate History
2 changes since Sep 14, 2026 · 2.27% → 2.27% ▼ 0.00 pts · high 2.52% / low 2.27%
- Oct 15, 20262.27%▼ from 2.52%
- Oct 5, 20262.52%▲ from 2.27%
- Sep 14, 20262.27%first recorded
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Year Certificate
$500
2.01%
▼ 0.73% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▼ 0.73% below avgNationally 2.82%
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 10 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
36 Month Bump Up Certificate
$500
2.00%
▼ 0.74% below Arkansas avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▼ 0.74% below avgNationally 2.82%
Details
Max amount: $1,000,000; APY with Bonus Rate: 2.10%; Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; 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%
Share and IRA Certificates - 36 Months
$0
2.00%
▼ 0.74% below Arkansas avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▼ 0.74% below avgNationally 2.82%
Details
Effective Date: October 01, 2026; APY with Bonus Rate: 2.10%; Bonus rate of 0.10% APY when the Tax Reported Owner is an Ultra Checking owner with average monthly balance of at least $1.00; Minimum balance for consumer is $500; 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%
Share Certificate - 36 Months
$500
2.00%
▼ 0.74% below Arkansas avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▼ 0.74% below avgNationally 2.82%
Details
Dividend Rate: 1.985%; APY with Bonus Rate: 2.10%; Minimum balance for consumer is $500; Penalty may apply for early withdrawal; Fees may reduce earnings
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 7 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
IRA Certificate 36 Months
$0
2.00%
▼ 0.74% below Arkansas avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.74%▼ 0.74% below avgNationally 2.82%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 Year Standard CD Products
$1,000
1.50%
▼ 1.24% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▼ 1.24% below avgNationally 2.82%
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%
IRA CD - 3 Years
$1,000
1.50%
▼ 1.24% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▼ 1.24% below avgNationally 2.82%
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%
3 Year Certificate of Deposit
$0
1.26%
▼ 1.48% below Arkansas avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▼ 1.48% below avgNationally 2.82%
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%
36 Month CD
$500
1.21%
▼ 1.53% below Arkansas avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.74%▼ 1.53% below avgNationally 2.82%
Details
Rate History
No change since Oct 9, 2026 · 1.21% APY · checked 3 times
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3-Year CD
$500
0.75%
▼ 1.99% below Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▼ 1.99% below avgNationally 2.82%
Details
Automatically renews for 3 years; Early withdrawal penalty may apply; Maximum online account opening deposit is $25,000; APY accurate as of 11/21/2023
Rate History
No change since Sep 8, 2026 · 0.75% APY · checked 9 times
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
Certificates of Deposit - 36 MO
$1,000
0.55%
▼ 2.19% below Arkansas avg
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▼ 2.19% below avgNationally 2.82%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 8 times
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
36 Month Certificates of Deposit (CDs)
$0
0.55%
▼ 2.19% below Arkansas avg
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.74%▼ 2.19% below avgNationally 2.82%
Details
Balance: $10,000+
Rate History
No change since Sep 11, 2026 · 0.55% APY · checked 7 times
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
36 Month Certificates of Deposit (CDs)
$0
0.45%
▼ 2.29% below Arkansas avg
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.74%▼ 2.29% below avgNationally 2.82%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 11, 2026 · 0.45% APY · checked 7 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
36 Month Regular CD Account
$0
0.10%
▼ 2.64% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.74%▼ 2.64% below avgNationally 2.82%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Banks 48 Month CD Rates
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%
48 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▲ 1.37% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.88%▲ 1.37% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
48 Month Share Certificate
$500
4.13%
▲ 1.25% above Arkansas avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▲ 1.25% above avgNationally 2.82%
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%
48 Month Share Certificate
$500
3.97%
▲ 1.09% above Arkansas avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▲ 1.09% above avgNationally 2.82%
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%
IRA Certificate 48 Months
$500
3.82%
▲ 0.94% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.88%▲ 0.94% above avgNationally 2.82%
Details
Dividends Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 48 Months
$500
3.82%
▲ 0.94% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.88%▲ 0.94% above avgNationally 2.82%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45%
- Oct 4, 20263.82%▲ from 3.51%
- Sep 25, 20263.51%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
48 Month Share Certificate
$500
3.82%
▲ 0.94% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▲ 0.94% above avgNationally 2.82%
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%
48 Month Share Certificate
$500
3.81%
▲ 0.93% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▲ 0.93% above avgNationally 2.82%
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%
Certificate - 48 Months
$0
3.56%
▲ 0.68% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.88%▲ 0.68% above avgNationally 2.82%
Details
Effective October 8, 2026
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
48 Month Certificate of Deposit
$500
3.51%
▲ 0.63% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.88%▲ 0.63% above avgNationally 2.82%
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%
Share Certificates (CDs) - 48 Months
$0
3.50%
▲ 0.62% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▲ 0.62% above avgNationally 2.82%
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%
CD - 48 Month
$0
3.41%
▲ 0.53% above Arkansas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.88%▲ 0.53% above avgNationally 2.82%
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%
48 Month Certificate of Deposit
$0
3.18%
▲ 0.30% above Arkansas avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▲ 0.30% above avgNationally 2.82%
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%
48 Month Share Certificate
$0
3.00%
▲ 0.12% above Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.88%▲ 0.12% above avgNationally 2.82%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard CDs - Rewards
$0
2.90%
▲ 0.02% above Arkansas avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▲ 0.02% above avgNationally 2.82%
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%
48 Month Standard IRA CDs - Rewards
$0
2.90%
▲ 0.02% above Arkansas avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▲ 0.02% above avgNationally 2.82%
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%
48 Month Standard CDs - Regular
$0
2.64%
▼ 0.24% below Arkansas avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▼ 0.24% below avgNationally 2.82%
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%
48 Month Standard IRA CDs - Regular
$0
2.64%
▼ 0.24% below Arkansas avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average2.88%▼ 0.24% below avgNationally 2.82%
Details
Regular APY column; Dividend Rate 2.61%
Rate History
No change since Oct 19, 2026 · 2.64% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 48 Months
$0
2.05%
▼ 0.83% below Arkansas avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.88%▼ 0.83% below avgNationally 2.82%
Details
Effective Date: October 01, 2026; APY with Bonus Rate: 2.15%; Bonus rate of 0.10% APY when the Tax Reported Owner is an Ultra Checking owner with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 2.05% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 48 Months
$500
2.05%
▼ 0.83% below Arkansas avg
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.88%▼ 0.83% below avgNationally 2.82%
Details
Dividend Rate: 2.034%; APY with Bonus Rate: 2.15%; Minimum balance for consumer is $500; Penalty may apply for early withdrawal; Fees may reduce earnings
Rate History
No change since Sep 12, 2026 · 2.05% APY · checked 7 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4 Year Standard CD Products
$1,000
1.50%
▼ 1.38% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.88%▼ 1.38% below avgNationally 2.82%
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%
IRA CD - 4 Years
$1,000
1.50%
▼ 1.38% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.88%▼ 1.38% below avgNationally 2.82%
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
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
48 Month CD
$500
1.00%
▼ 1.88% below Arkansas avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average2.88%▼ 1.88% below avgNationally 2.82%
Details
Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 3 times
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
Certificates of Deposit - 48 MO
$1,000
0.60%
▼ 2.28% below Arkansas avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.88%▼ 2.28% below avgNationally 2.82%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
No change since Sep 7, 2026 · 0.60% APY · checked 9 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
48 Month Regular CD Account
$0
0.10%
▼ 2.78% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average2.88%▼ 2.78% below avgNationally 2.82%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Banks 60 Month CD Rates
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%
Jumbo Share Certificate 60-Month
$95,000
4.95%
▲ 1.95% above Arkansas avg
▼
Rate4.83%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 1.95% above avgNationally 2.93%
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%
60 Month Share Certificate/IRA Share Certificate
$1,000
4.25%
▲ 1.25% above Arkansas avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 1.25% above avgNationally 2.93%
Details
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
60 Month Share Certificate
$500
4.13%
▲ 1.13% above Arkansas avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 1.13% above avgNationally 2.93%
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%
60 Month Share Certificate
$500
3.97%
▲ 0.97% above Arkansas avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.97% above avgNationally 2.93%
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%
IRA Certificate 60 Months
$500
3.82%
▲ 0.82% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.82% above avgNationally 2.93%
Details
Dividends Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Share Certificate - 60 Months
$500
3.82%
▲ 0.82% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.82% above avgNationally 2.93%
Details
Compounding: Monthly/Quarterly; Quarterly APY: 3.80%
Rate History
2 changes since Sep 14, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45%
- Oct 4, 20263.82%▲ from 3.51%
- Sep 25, 20263.51%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
60 Month Share Certificate
$500
3.82%
▲ 0.82% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.82% above avgNationally 2.93%
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%
60 Month Share Certificate
$500
3.81%
▲ 0.81% above Arkansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.81% above avgNationally 2.93%
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
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular Certificates - 60-month
$0
3.65%
▲ 0.65% above Arkansas avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.65% above avgNationally 2.93%
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%
Certificate - 60 Months
$0
3.56%
▲ 0.56% above Arkansas avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▲ 0.56% above avgNationally 2.93%
Details
Effective October 8, 2026
Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
60 Month Certificate of Deposit
$500
3.51%
▲ 0.51% above Arkansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▲ 0.51% above avgNationally 2.93%
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%
Share Certificates (CDs) - 60 Months
$0
3.50%
▲ 0.50% above Arkansas avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.50% above avgNationally 2.93%
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%
CD - 60 Month
$0
3.41%
▲ 0.41% above Arkansas avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▲ 0.41% above avgNationally 2.93%
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%
60 Month Certificate of Deposit
$0
3.29%
▲ 0.29% above Arkansas avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.29% above avgNationally 2.93%
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%
60 Month Standard CDs - Rewards
$0
3.10%
▲ 0.10% above Arkansas avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.10% above avgNationally 2.93%
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%
60 Month Standard IRA CDs - Rewards
$0
3.10%
▲ 0.10% above Arkansas avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▲ 0.10% above avgNationally 2.93%
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%
IRA 60-Month Certificate
$0
2.94%
▼ 0.06% below Arkansas avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▼ 0.06% below avgNationally 2.93%
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%
Share Certificate 60-Month
$1,000
2.94%
▼ 0.06% below Arkansas avg
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▼ 0.06% below avgNationally 2.93%
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
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
5 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.85%
▼ 0.15% below Arkansas avg
▼
Rate2.82%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▼ 0.15% below avgNationally 2.93%
Details
Minimum to Earn Dividends: $100,000
Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
60 Month Standard CDs - Regular
$0
2.84%
▼ 0.16% below Arkansas avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▼ 0.16% below avgNationally 2.93%
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%
60 Month Standard IRA CDs - Regular
$0
2.84%
▼ 0.16% below Arkansas avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▼ 0.16% below avgNationally 2.93%
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%
60 Month Share Certificate
$0
2.75%
▼ 0.25% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▼ 0.25% below avgNationally 2.93%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
60 Month CD
$0
2.64%
▼ 0.36% below Arkansas avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 0.36% below avgNationally 2.93%
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%
5 Year Share and IRA Certificate - Fixed
$1,000
2.60%
▼ 0.40% below Arkansas avg
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▼ 0.40% below avgNationally 2.93%
Details
Minimum to Earn Dividends: $1000
Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 2 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
60 Month Certificate
$500
2.50%
▼ 0.50% below Arkansas avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average3.00%▼ 0.50% below avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 60 Months
$0
2.10%
▼ 0.90% below Arkansas avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▼ 0.90% below avgNationally 2.93%
Details
Effective Date: October 01, 2026; APY with Bonus Rate: 2.20%; Bonus rate of 0.10% APY when the Tax Reported Owner is an Ultra Checking owner with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 2.10% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 60 Months
$500
2.10%
▼ 0.90% below Arkansas avg
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Arkansas Average3.00%▼ 0.90% below avgNationally 2.93%
Details
Dividend Rate: 2.084%; APY with Bonus Rate: 2.20%; Minimum balance for consumer is $500; Penalty may apply for early withdrawal; Fees may reduce earnings
Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 7 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
IRA Certificate 60 Months
$0
1.75%
▼ 1.25% below Arkansas avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Arkansas Average3.00%▼ 1.25% below avgNationally 2.93%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 8 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5 Year Standard CD Products
$1,000
1.50%
▼ 1.50% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 1.50% below avgNationally 2.93%
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%
IRA CD - 5 Years
$1,000
1.50%
▼ 1.50% below Arkansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 1.50% below avgNationally 2.93%
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%
Certificates of Deposit - 60 MO
$1,000
0.70%
▼ 2.30% below Arkansas avg
▼
Rate0.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 2.30% below avgNationally 2.93%
Details
Rates effective as of 09/17/2026; Penalty for early withdrawal
Rate History
No change since Sep 7, 2026 · 0.70% APY · checked 9 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
60 Month Regular CD Account
$0
0.10%
▼ 2.90% below Arkansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Arkansas Average3.00%▼ 2.90% below avgNationally 2.93%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
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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.
Banks, AR CD Rate Trends
Compare local Banks, AR 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
2.999%
▲ 0.008 vs 7 days ago
Arkansas 12-month CD rates rose 0.008 points over the past 7 days to 2.999% APY.
6-Month CD AR Avg
2.616%
▼ 0.146 vs 7 days ago
Arkansas 6-month CD rates fell 0.146 points over the past 7 days to 2.616% APY.
As of Oct 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
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
2.999%
6-Month Forecast
2.999%
Range: 2.80%, 3.15%
12-Month Forecast
3.249%
Range: 3.05%, 3.40%
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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 | 1.758% | $87.88 | $175.76 | $439.40 | $878.80 |
| 6-Month CD | 2.616% | $130.82 | $261.63 | $654.07 | $1,308.15 |
| 12-Month CD | 2.999% | $149.94 | $299.88 | $749.70 | $1,499.40 |
| 18-Month CD | 2.944% | $147.19 | $294.37 | $735.93 | $1,471.85 |
| 24-Month CD | 2.964% | $148.20 | $296.40 | $741.00 | $1,482.00 |
| 36-Month CD | 2.741% | $137.05 | $274.11 | $685.28 | $1,370.55 |
| 48-Month CD | 2.878% | $143.92 | $287.83 | $719.58 | $1,439.15 |
| 60-Month CD | 2.999% | $149.94 | $299.87 | $749.68 | $1,499.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 20, 2026. | |||||
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Sample CD Ladder for Banks, 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 | 1.758% | $87.88 |
| 2 | 6-Month CD | $5,000 | 2.616% | $130.82 |
| 3 | 12-Month CD | $5,000 | 2.999% | $149.94 |
| 4 | 24-Month CD | $5,000 | 2.964% | $148.20 |
| 5 | 36-Month CD | $5,000 | 2.741% | $137.05 |
| Total ($25,000 invested) | $25,000 | 2.616% blended | $653.89/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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313
CD Rates
Tracked in Banks, Arkansas
Tracked in Banks, Arkansas
21 Banks
27 Credit Unions
About Our Banks, Arkansas CD Rate Database
MonitorBankRates tracks 313 CD rates from 21 banks and 27 credit unions with locations in Banks, 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 Banks, Arkansas.
How to Find the Best CD Rates in Banks, Arkansas
What to compare when shopping for a CD in Banks, Arkansas
To find the best APYs in Banks, Arkansas, start with credit unions and online-only banks: Banks, Arkansas has 27 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 Banks, 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 Banks, Arkansas: 48 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Banks, 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 Banks, Arkansas money market rates
Arkansas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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
$118/yr
At AR 12-mo avg 2.999% 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 2.999%, saving 10% of the local median salary ($3,942/year) and putting it in a CD would earn an additional $118 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 Banks, 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 Banks, 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 Banks, 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 Banks, Arkansas as everywhere in the U.S.
Choosing a CD Term in Banks, 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 Banks, Arkansas savers easier access to their funds. For example, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate 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 Banks, 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 Banks, 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 Banks, 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 Banks, 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 Banks, Arkansas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Banks, 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 Banks, Arkansas
Are CD rates in Banks, Arkansas FDIC insured?
Yes, most established banks in Banks, 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 Banks, 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 Banks, 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 Banks, 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 Banks, Arkansas?
Here are recent top rates found for this area:
- Hope Federal Credit Union Jackson, MS: 4.95% APY (Jumbo Share Certificate 60-Month)
- 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)
- Producers Bank & Trust: 4.25% APY (12-month CD)
- Carter Federal Credit Union: 4.25% APY (36 Month Share Certificate/IRA Share Certificate)
- Telcoe Federal Credit Union: 4.25% APY (12 Month Certificate of Deposit - Special Offering)
- First Service Bank: 4.15% APY (6-Month CD)
- Clearway Federal Credit Union: 4.15% APY (24 Month CD)
- Arkansas Best Federal Credit Union: 4.13% APY (48 Month Share Certificate)
Rates reflect recent verified offers available in Banks, Arkansas. Last Updated: October 20, 2026
Banks, 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 Banks, 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 Banks, Arkansas
Banks, 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.
Banks, Arkansas CD LadderAR CD rates currently range from 1.758% (3-month) to 2.741% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Banks, 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 2.999% 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 Banks, 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 Banks, 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 Banks, 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 20, 2026
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