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CD Rate Trends

Arkansas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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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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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Arkansas CD rates range from 0.05% to 4.95% APY, verified by MonitorBankRates as of October 13, 2026. Current Arkansas CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1114 N Missouri St, West Memphis, AR 72301 2614A5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering 60 Month Share Certificates (CDs) - Jumbo at 4.95% APY, TruService Community Federal Credit UnionTruService Community Federal Credit Union11001 Hermitage Rd, LIttle Rock, AR 72211A+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 Bank4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758A+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 Union1513 N Hervey St, Hope, AR 71801A+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 & Trust301 N 2nd St, Mcgehee, AR 71654A+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 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Arkansas side-by-side. Arkansas CD rates currently reach as high as 4.95% APY from Hope Federal Credit Union Jackson, MS at 1114 N Missouri St, West Memphis, AR 72301 2614. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Arkansas

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Arkansas 3 Month CD Rates

MonitorBankRates Arkansas Average · 3 Month CD1.99% APY▲ 0.12% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Arkansas is 1.99% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
200 E Ridge Ave, Harrison, AR 72601
3-Month CD
$1,000
4.00% ▲ 2.01% above Arkansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average1.99%▲ 2.01% above avgNationally 2.09%
Details

Interest credited At Maturity; Brilliant Bank's CD is a certificate of deposit with initial Annual Percentage Yield available for new depositors only. Rate is accurate as of website publication and subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
3 Month Share Certificate
$0
3.82% ▲ 1.83% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average1.99%▲ 1.83% above avgNationally 2.09%
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%
3.06%3.69%4.32%Sep 18, 2026: 3.56% APYOct 6, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.82%▲ from 3.56%
  • Sep 18, 20263.56%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
3 Month Share Certificate
$0
3.66% ▲ 1.67% above Arkansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average1.99%▲ 1.67% above avgNationally 2.09%
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%
2.80%3.48%4.16%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.66%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
3 Month IRA Certificate
$0
3.60% ▲ 1.61% above Arkansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average1.99%▲ 1.61% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
3 Month Share Certificates
$0
3.60% ▲ 1.61% above Arkansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average1.99%▲ 1.61% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
3 Month Share Certificate
$0
3.51% ▲ 1.52% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average1.99%▲ 1.52% above avgNationally 2.09%
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%
2.80%3.41%4.01%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.51%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
3 Month Share Certificate
$0
3.50% ▲ 1.51% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average1.99%▲ 1.51% above avgNationally 2.09%
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%
2.80%3.40%4.00%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.50%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2522 S Pinnacle Hills Pkwy, Rogers, AR 72758
3-Month CD
$1,000
3.40% ▲ 1.41% above Arkansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average1.99%▲ 1.41% above avgNationally 2.09%
Details

Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
600 W Main St, Jacksonville, AR 72076
90-day cd
$500
3.20% ▲ 1.21% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average1.99%▲ 1.21% above avgNationally 2.09%
Details

Deposit amount and interest rate is "locked" for the term amount Early withdrawal penalty may apply Automatically renews for 90 days

Rate History
No change since Sep 8, 2026 · 3.20% APY · checked 9 times
2.70%3.20%3.70%Sep 8, 2026: 3.20% APYSep 8, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificates - 3 Month
$0
3.00% ▲ 1.01% above Arkansas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average1.99%▲ 1.01% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
3 Month Certificate
$0
2.94% ▲ 0.95% above Arkansas avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average1.99%▲ 0.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
1 - 3 Month CD
$1,000
2.03% ▲ 0.04% above Arkansas avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average1.99%▲ 0.04% above avgNationally 2.09%
Details

Rate History
No change since Oct 3, 2026 · 2.03% APY · checked 4 times
1.53%2.03%2.53%Oct 3, 2026: 2.03% APYOct 3, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7301 Rogers Ave, Fort Smith, AR 72903
3 Month Certificate
$0
2.00% ▲ 0.01% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average1.99%▲ 0.01% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
3 Month Certificate
$0
1.50% ▼ 0.49% below Arkansas avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average1.99%▼ 0.49% below avgNationally 2.09%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
0.75%1.38%2.00%Sep 12, 2026: 1.25% APYOct 12, 2026: 1.50% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20261.50%▲ from 1.25%
  • Sep 12, 20261.25%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 3 Months
$0
1.50% ▼ 0.49% below Arkansas avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average1.99%▼ 0.49% below avgNationally 2.09%
Details

APY with Bonus Rate: 1.60%

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
3 month Certificate of Deposit
$0
1.00% ▼ 0.99% below Arkansas avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average1.99%▼ 0.99% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
90 Day Certificate
$0
0.95% ▼ 1.04% below Arkansas avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average1.99%▼ 1.04% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 6 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
3-month term
$0
0.60% ▼ 1.39% below Arkansas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average1.99%▼ 1.39% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
3-month term Standard CD
$0
0.50% ▼ 1.49% below Arkansas avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average1.99%▼ 1.49% below avgNationally 2.09%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1301 Arkansas Blvd, Texarkana, AR 71854
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.93% below Arkansas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average1.99%▼ 1.93% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1301 Arkansas Blvd, Texarkana, AR 71854
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.93% below Arkansas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average1.99%▼ 1.93% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
90 Day Certificate
$0
0.06% ▼ 1.93% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average1.99%▼ 1.93% below avgNationally 2.09%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1301 Arkansas Blvd, Texarkana, AR 71854
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.94% below Arkansas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average1.99%▼ 1.94% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026

Arkansas 6 Month CD Rates

MonitorBankRates Arkansas Average · 6 Month CD2.81% APY▲ 0.06% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Arkansas is 2.81% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
6 Month TEAL Certificate
$250
4.33% ▲ 1.52% above Arkansas avg
View
▼
Rate4.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.81%▲ 1.52% above avgNationally 2.78%
Details

Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
6-Month TEAL Certificate for Teens
$250
4.33% ▲ 1.52% above Arkansas avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.81%▲ 1.52% above avgNationally 2.78%
Details

Ages: 13-17; Teens Earning And Learning certificate; current dividend 4.33% APY compounded monthly; open in local branch

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 4, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
First Service Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
134 S Broadview St, Greenbrier, AR 72058
6-Month CD
$10,000
4.15% ▲ 1.34% above Arkansas avg
View
▼
Rate4.09%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.81%▲ 1.34% above avgNationally 2.78%
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
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate - 6 Months
$0
4.07% ▲ 1.26% above Arkansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▲ 1.26% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
6 Month Share Certificate/IRA Share Certificate
$1,000
4.00% ▲ 1.19% above Arkansas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.81%▲ 1.19% above avgNationally 2.78%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
6 Month Share Certificate
$0
4.00% ▲ 1.19% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▲ 1.19% above avgNationally 2.78%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 6 Months
$2,500
3.90% ▲ 1.09% above Arkansas avg
View
▼
Rate3.83%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▲ 1.09% above avgNationally 2.78%
Details

Compounded Monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1100 N Illinois St, Harrisburg, AR 72432
6 Month Certificates of Deposit
$0
3.82% ▲ 1.01% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▲ 1.01% above avgNationally 2.78%
Details

Rate History
1 change since Sep 19, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 19, 2026: 3.56% APYSep 27, 2026: 3.82% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.82%▲ from 3.56%
  • Sep 19, 20263.56%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
6 Month Share Certificate
$0
3.82% ▲ 1.01% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.81%▲ 1.01% above avgNationally 2.78%
Details

Balance: $50,000-$99,999

Rate History
1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 18, 2026: 3.56% APYOct 6, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.82%▲ from 3.56%
  • Sep 18, 20263.56%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
6 Month CD
$1,000
3.80% ▲ 0.99% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.81%▲ 0.99% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
6 Month Share Certificate
$0
3.66% ▲ 0.85% above Arkansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.81%▲ 0.85% above avgNationally 2.78%
Details

Balance: $10,000-$19,999

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.66% ▲ 0.36 pts · high 3.66% / low 3.30%
2.80%3.48%4.16%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.66%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
100 W Grove St, El Dorado, AR 71730
6-month CD
$0
3.65% ▲ 0.84% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▲ 0.84% above avgNationally 2.78%
Details

Minimum balance to open: $50,000 - $250,000 New Money

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1114 FERGUSON DR, BENTON, AR 72015 3528
Shared Certificate - 6 Months
$500
3.52% ▲ 0.71% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▲ 0.71% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 days interest

Rate History
No change since Oct 9, 2026 · 3.52% APY · checked 2 times
3.02%3.52%4.02%Oct 9, 2026: 3.52% APYOct 9, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
6 Month Share Certificate
$0
3.51% ▲ 0.70% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.81%▲ 0.70% above avgNationally 2.78%
Details

Balance: $500-$999

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30%
2.80%3.41%4.01%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.51%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
6 Month CD
$0
3.50% ▲ 0.69% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▲ 0.69% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
6 Month Share Certificate
$0
3.50% ▲ 0.69% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.81%▲ 0.69% above avgNationally 2.78%
Details

Balance: $1,000-$9,999

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.50%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
6 Month IRA Certificate
$0
3.45% ▲ 0.64% above Arkansas avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.81%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
6 Month Share Certificates
$0
3.45% ▲ 0.64% above Arkansas avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.81%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2522 S Pinnacle Hills Pkwy, Rogers, AR 72758
6-Month CD
$1,000
3.40% ▲ 0.59% above Arkansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▲ 0.59% above avgNationally 2.78%
Details

Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
Share Certificates - 6 Months
$500
3.40% ▲ 0.59% above Arkansas avg
View
▼
Rate3.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▲ 0.59% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 6-month
$0
3.40% ▲ 0.59% above Arkansas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▲ 0.59% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 6 Month
$0
3.27% ▲ 0.46% above Arkansas avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.81%▲ 0.46% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.27% APY · checked 4 times
2.77%3.27%3.77%Sep 18, 2026: 3.27% APYSep 18, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
6 Month Certificate
$0
3.20% ▲ 0.39% above Arkansas avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▲ 0.39% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
6 Month Certificate
$0
3.02% ▲ 0.21% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.81%▲ 0.21% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.02% APY · checked 8 times
2.52%3.02%3.52%Sep 7, 2026: 3.02% APYSep 7, 2026Oct 13, 2026
Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1125 Military Rd, Benton, AR 72015
6-Month Certificate
$1,000
3.00% ▲ 0.19% above Arkansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▲ 0.19% above avgNationally 2.78%
Details

Fixed rate for the term of the Certificate, Certificate does not automatically renew.

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2301 S University Ave, Little Rock, AR 72204 4940
6-Month Share Certificate
$0
3.00% ▲ 0.19% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▲ 0.19% above avgNationally 2.78%
Details

Savings Rates - Effective February 11, 2026

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
6 Month Share Certificate
$500
3.00% ▲ 0.19% above Arkansas avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▲ 0.19% above avgNationally 2.78%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 13, 2026
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
600 W Main St, Jacksonville, AR 72076
6-MONTH cD
$500
2.95% ▲ 0.14% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▲ 0.14% above avgNationally 2.78%
Details

Deposit amount and interest rate is "locked" for the term amount Early withdrawal penalty may apply Automatically renews for 6 months *Maximum online account opening deposit is $25,000.

Rate History
No change since Sep 8, 2026 · 2.95% APY · checked 9 times
2.45%2.95%3.45%Sep 8, 2026: 2.95% APYSep 8, 2026Oct 13, 2026
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
6 Month Certificate of Deposit (CD)
$500
2.78% ▼ 0.03% below Arkansas avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▼ 0.03% below avgNationally 2.78%
Details

Early withdrawal penalties may apply; rates subject to change

Rate History
No change since Sep 21, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 21, 2026: 2.78% APYSep 21, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificates - 6 Month
$0
2.75% ▼ 0.06% below Arkansas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.81%▼ 0.06% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7301 Rogers Ave, Fort Smith, AR 72903
6 Month Certificate
$0
2.50% ▼ 0.31% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▼ 0.31% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
6 month Certificate of Deposit
$0
2.42% ▼ 0.39% below Arkansas avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.81%▼ 0.39% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.42% APY · checked 6 times
1.92%2.42%2.92%Sep 14, 2026: 2.42% APYSep 14, 2026Oct 13, 2026
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1001 S 21st St, FORT SMITH, AR 72901 4007
6-Month Share Certificate
$500
2.00% ▼ 0.81% below Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▼ 0.81% below avgNationally 2.78%
Details

Dividends compounded quarterly and credited quarterly; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
6 Month Certificate
$0
1.55% ▼ 1.26% below Arkansas avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.81%▼ 1.26% below avgNationally 2.78%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50%
1.00%1.53%2.05%Sep 12, 2026: 1.50% APYOct 12, 2026: 1.55% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20261.55%▲ from 1.50%
  • Sep 12, 20261.50%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 6 Months
$0
1.55% ▼ 1.26% below Arkansas avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.81%▼ 1.26% below avgNationally 2.78%
Details

APY with Bonus Rate: 1.65%

Rate History
No change since Oct 12, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 12, 2026: 1.55% APYOct 12, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
6 Month Jumbo Share and IRA Certificate - Fixed
$100,000
1.55% ▼ 1.26% below Arkansas avg
View
▼
Rate1.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▼ 1.26% below avgNationally 2.78%
Details

Jumbo Share and IRA Certificate; Minimum to Earn Dividends: $100,000

Rate History
No change since Sep 29, 2026 · 1.55% APY · checked 4 times
1.05%1.55%2.05%Sep 29, 2026: 1.55% APYSep 29, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
180 Day Certificate
$0
1.50% ▼ 1.31% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▼ 1.31% below avgNationally 2.78%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 6 Months
$0
1.50% ▼ 1.31% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▼ 1.31% below avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
7301 E County Road 142, Blytheville, AR 72315 6917
6 Month Share Certificate
$0
1.40% ▼ 1.41% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▼ 1.41% below avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 4 times
0.90%1.40%1.90%Sep 18, 2026: 1.40% APYSep 18, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
6-month term
$0
1.35% ▼ 1.46% below Arkansas avg
View
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.81%▼ 1.46% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 6 times
0.85%1.35%1.85%Sep 14, 2026: 1.35% APYSep 14, 2026Oct 13, 2026
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
6-Month CD
$500
1.31% ▼ 1.50% below Arkansas avg
View
▼
Rate1.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▼ 1.50% below avgNationally 2.78%
Details

Minimum to open a share certificate is $500; early withdrawal penalties may apply

Rate History
No change since Oct 9, 2026 · 1.31% APY · checked 2 times
0.81%1.31%1.81%Oct 9, 2026: 1.31% APYOct 9, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
6 Month Share and IRA Certificate - Fixed
$1,000
1.30% ▼ 1.51% below Arkansas avg
View
▼
Rate1.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▼ 1.51% below avgNationally 2.78%
Details

Share and IRA Certificate; Minimum to Earn Dividends: $1000

Rate History
No change since Sep 14, 2026 · 1.30% APY · checked 8 times
0.80%1.30%1.80%Sep 14, 2026: 1.30% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
6-month term Standard CD
$0
1.25% ▼ 1.56% below Arkansas avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.81%▼ 1.56% below avgNationally 2.78%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
6 Month Certificate
$0
1.00% ▼ 1.81% below Arkansas avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▼ 1.81% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
6 Month Jumbo Share Certificates (CDs)
$1,000
0.75% ▼ 2.06% below Arkansas avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▼ 2.06% below avgNationally 2.78%
Details

Jumbo rate; standard jumbo rates available on deposits of $95,000 or more

Rate History
No change since Oct 13, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 13, 2026: 0.75% APYOct 13, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
6 Month Share Certificates (CDs)
$1,000
0.75% ▼ 2.06% below Arkansas avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▼ 2.06% below avgNationally 2.78%
Details

Not available on jumbo rates

Rate History
No change since Oct 13, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 13, 2026: 0.75% APYOct 13, 2026Oct 13, 2026
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
6 Month Certificates of Deposit (CDs)
$0
0.30% ▼ 2.51% below Arkansas avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.81%▼ 2.51% below avgNationally 2.78%
Details

Balance: $10,000+

Rate History
No change since Sep 11, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 11, 2026: 0.30% APYSep 11, 2026Oct 13, 2026
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
6 Month Certificates of Deposit (CDs)
$0
0.20% ▼ 2.61% below Arkansas avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.81%▼ 2.61% below avgNationally 2.78%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Oct 13, 2026
White County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
508 W BEEBE CAPPS EXPY, Searcy, AR 72143 6652
Share Certificate - 6 Months
$1,000
0.20% ▼ 2.61% below Arkansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.81%▼ 2.61% below avgNationally 2.78%
Details

Standard and Default Renewal rate; see credit union for current specials

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1301 Arkansas Blvd, Texarkana, AR 71854
6 month Standard Fixed Rate
$2,500
0.06% ▼ 2.75% below Arkansas avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▼ 2.75% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026

Arkansas 12 Month CD Rates

MonitorBankRates Arkansas Average · 12 Month CD2.99% APY▲ 0.05% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Arkansas is 2.99% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53% ▲ 1.54% above Arkansas avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 1.54% above avgNationally 2.99%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.53% APY
4.03%4.53%5.03%Oct 13, 2026: 4.53% APYOct 13, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
IRA Certificate 12 Months
$500
4.33% ▲ 1.34% above Arkansas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.99%▲ 1.34% above avgNationally 2.99%
Details

Published APY range: 4.33%/4.32%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
Producers Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
301 N 2nd St, Mcgehee, AR 71654
12-month CD
$0
4.25% ▲ 1.26% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.99%▲ 1.26% above avgNationally 2.99%
Details

Rate History
1 change since Sep 11, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 11, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 11, 2026Oct 13, 2026
  • 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%
820 Louisiana St, Little Rock, AR 72201 4692
Certificate of Deposit - Special Offering - 12 Months
$1,000
4.25% ▲ 1.26% above Arkansas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 1.26% above avgNationally 2.99%
Details

Special offer, limited time; non-renewable; not available on new money deposits (reserved for money already on deposit with Telcoe as of last statement cycle); rates effective 08/25/26

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
12-Month Certificate of Deposit
$500
4.20% ▲ 1.21% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.99%▲ 1.21% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
12 Month Share Certificate/IRA Share Certificate
$1,000
4.10% ▲ 1.11% above Arkansas avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.99%▲ 1.11% above avgNationally 2.99%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
1 Year CD
$1,000
4.07% ▲ 1.08% above Arkansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.99%▲ 1.08% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 4.07% ▲ 0.78 pts · high 4.07% / low 3.29%
2.51%3.68%4.85%Sep 14, 2026: 3.29% APYOct 3, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.07%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate - 12 Months
$0
4.07% ▲ 1.08% above Arkansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 1.08% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Texana Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
502 Arkansas Blvd, Texarkana, AR 71854
12 Month CD Special
$0
4.00% ▲ 1.01% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.99%▲ 1.01% above avgNationally 2.99%
Details

Limited Time Offer

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
12 Month Share Certificate
$0
4.00% ▲ 1.01% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 1.01% above avgNationally 2.99%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
12 Month Youth Share Certificates
$0
4.00% ▲ 1.01% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 1.01% above avgNationally 2.99%
Details

+ Youth Bonus; Balance: Under $10,000

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
IRA 12 Months
$500
3.85% ▲ 0.86% above Arkansas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.86% above avgNationally 2.99%
Details

Traditional and Roth IRAs available; Prior year contributions can be made through April 15 of the following year

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
IRA Share (variable) - 12 Months
$500
3.85% ▲ 0.86% above Arkansas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.86% above avgNationally 2.99%
Details

Variable IRA Share; Dividend rate 3.80%, APY 3.85%; $25 min. shown in table header

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 12 Months
$2,500
3.85% ▲ 0.86% above Arkansas avg
View
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.86% above avgNationally 2.99%
Details

Compounded Monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
12 Month Share Certificate
$0
3.82% ▲ 0.83% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.99%▲ 0.83% above avgNationally 2.99%
Details

Balance: $50,000-$99,999

Rate History
1 change since Sep 18, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 18, 2026: 3.56% APYOct 6, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.82%▲ from 3.56%
  • Sep 18, 20263.56%first recorded
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
Share Certificates - 12 Months
$500
3.75% ▲ 0.76% above Arkansas avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.76% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 12-month
$0
3.70% ▲ 0.71% above Arkansas avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
12 Month Share Certificate
$0
3.66% ▲ 0.67% above Arkansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.99%▲ 0.67% above avgNationally 2.99%
Details

Balance: $10,000-$19,999

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.66% ▲ 0.36 pts · high 3.66% / low 3.30%
2.80%3.48%4.16%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
  • 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%
1114 FERGUSON DR, BENTON, AR 72015 3528
Shared Certificate - 12 Months
$500
3.62% ▲ 0.63% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.63% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 days interest

Rate History
No change since Oct 9, 2026 · 3.62% APY · checked 2 times
3.12%3.62%4.12%Oct 9, 2026: 3.62% APYOct 9, 2026Oct 13, 2026
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 1 Year Jumbo
$0
3.54% ▲ 0.55% above Arkansas avg
View
▼
Rate3.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.99%▲ 0.55% above avgNationally 2.99%
Details

Jumbo

Rate History
No change since Sep 18, 2026 · 3.54% APY · checked 4 times
3.04%3.54%4.04%Sep 18, 2026: 3.54% APYSep 18, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
12 Month Certificate
$0
3.51% ▲ 0.52% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.99%▲ 0.52% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 24, 2026: 3.51% APYSep 24, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
12 Month Share Certificate
$0
3.51% ▲ 0.52% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.99%▲ 0.52% above avgNationally 2.99%
Details

Balance: $1,000-$9,999

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30%
2.80%3.41%4.01%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.51%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
12 Month IRA Fixed
$100
3.50% ▲ 0.51% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.99%▲ 0.51% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
2.79%3.40%4.00%Sep 14, 2026: 3.29% APYOct 7, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
12 Month IRA Variable
$100
3.50% ▲ 0.51% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.99%▲ 0.51% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
2.79%3.40%4.00%Sep 14, 2026: 3.29% APYOct 7, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2301 S University Ave, Little Rock, AR 72204 4940
12-Month Share Certificate
$0
3.50% ▲ 0.51% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.51% above avgNationally 2.99%
Details

Savings Rates - Effective February 11, 2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7301 Rogers Ave, Fort Smith, AR 72903
12 Month Certificate
$0
3.50% ▲ 0.51% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 0.51% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
12 Month Share Certificate
$0
3.50% ▲ 0.51% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.99%▲ 0.51% above avgNationally 2.99%
Details

Balance: $500-$999

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 18, 2026: 3.30% APYOct 6, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.50%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
12 month Certificate of Deposit
$0
3.49% ▲ 0.50% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.99%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
12 Month IRA Certificate
$0
3.40% ▲ 0.41% above Arkansas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.99%▲ 0.41% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
12 Month Share Certificates
$0
3.40% ▲ 0.41% above Arkansas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.99%▲ 0.41% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 13, 2026
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
7301 E County Road 142, Blytheville, AR 72315 6917
12-Month Certificate
$1,000
3.40% ▲ 0.41% above Arkansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 0.41% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
12 month bump Certificate of Deposit
$0
3.39% ▲ 0.40% above Arkansas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.99%▲ 0.40% above avgNationally 2.99%
Details

Rates for the 12 Month Bump CD can be raised once anytime and renewed for another 12 months.

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 5 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 1 Year
$0
3.28% ▲ 0.29% above Arkansas avg
View
▼
Rate3.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.99%▲ 0.29% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.28% APY · checked 4 times
2.78%3.28%3.78%Sep 18, 2026: 3.28% APYSep 18, 2026Oct 13, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
125 W Broadway, West Memphis, AR 72301
12-month CD
$0
3.25% ▲ 0.26% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.99%▲ 0.26% above avgNationally 2.99%
Details

Special rate for select new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 13, 2026
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1001 S 21st St, FORT SMITH, AR 72901 4007
1-Year Share Certificate
$500
3.25% ▲ 0.26% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.26% above avgNationally 2.99%
Details

Dividends compounded quarterly and credited quarterly; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
12 Month Share Certificates (CDs)
$1,000
3.04% ▲ 0.05% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.05% above avgNationally 2.99%
Details

Early withdrawal penalties apply to all certificate and IRA accounts.

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 13, 2026
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
12 Month Certificate of Deposit (CD)
$500
3.04% ▲ 0.05% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▲ 0.05% above avgNationally 2.99%
Details

Early withdrawal penalties may apply; rates subject to change

Rate History
No change since Sep 17, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 17, 2026: 3.04% APYSep 17, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Roth & Educational IRA Share Certificates - 12 Month
$0
3.00% ▲ 0.01% above Arkansas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.99%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard IRA Share Certificates - 12 Month
$0
3.00% ▲ 0.01% above Arkansas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.99%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificates - 12 Month
$0
3.00% ▲ 0.01% above Arkansas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.99%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
1 Year Certificate
$0
2.77% ▼ 0.22% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.99%▼ 0.22% below avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 2.77% APY · checked 8 times
2.27%2.77%3.27%Sep 7, 2026: 2.77% APYSep 7, 2026Oct 13, 2026
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
12 Month IRA CD
$500
2.77% ▼ 0.22% below Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.99%▼ 0.22% below avgNationally 2.99%
Details

IRA CD balance of $500 or more currently earns 2.769% APY for 12 month term. Interest is accrued daily at current rate. FREE Online Banking and Touch Tone Banking available. Some restrictions apply. See a customer service representative for more information. Interest Rates & Annual Percent Yield (APY) subject to change without notice. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 19, 2026 · 2.77% APY · checked 7 times
2.27%2.77%3.27%Sep 19, 2026: 2.77% APYSep 19, 2026Oct 13, 2026
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
1 Year CD
$0
2.75% ▼ 0.24% below Arkansas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.99%▼ 0.24% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
12 Month Share Certificate
$500
2.75% ▼ 0.24% below Arkansas avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▼ 0.24% below avgNationally 2.99%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
IRA Certificates - 12 Months
$0
2.75% ▼ 0.24% below Arkansas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▼ 0.24% below avgNationally 2.99%
Details

Minimum $500 balance. Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 13, 2026
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
12-month CD
$500
2.70% ▼ 0.29% below Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.99%▼ 0.29% below avgNationally 2.99%
Details

Rate History
No change since Sep 9, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 9, 2026: 2.70% APYSep 9, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
1 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.50% ▼ 0.49% below Arkansas avg
View
▼
Rate2.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▼ 0.49% below avgNationally 2.99%
Details

Jumbo Share and IRA Certificate; Minimum to Earn Dividends: $100,000

Rate History
No change since Sep 29, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 29, 2026: 2.50% APYSep 29, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
1 Year Share and IRA Certificate - Fixed
$1,000
2.25% ▼ 0.74% below Arkansas avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.99%▼ 0.74% below avgNationally 2.99%
Details

Share and IRA Certificate; Minimum to Earn Dividends: $1000

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
12 Month Certificate
$0
2.00% ▼ 0.99% below Arkansas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.99%▼ 0.99% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
2409 E Main St, Russellville, AR 72802
12 Month Certificate
$500
2.00% ▼ 0.99% below Arkansas avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.99%▼ 0.99% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026

Arkansas 18 Month CD Rates

MonitorBankRates Arkansas Average · 18 Month CD3.10% APY▲ 0.06% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Arkansas is 3.10% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
18 Month Jumbo Share and IRA Certificate - Fixed
$100,000
4.50% ▲ 1.40% above Arkansas avg
View
▼
Rate4.43%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▲ 1.40% above avgNationally 2.87%
Details

Jumbo Share and IRA Certificate; Promotional rate for a limited time on new money only; Minimum to Earn Dividends: $100,000

Rate History
No change since Sep 29, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 29, 2026: 4.50% APYSep 29, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
18-Month Certificate of Deposit
$500
4.40% ▲ 1.30% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.10%▲ 1.30% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
IRA Certificate 18 Months
$500
4.33% ▲ 1.23% above Arkansas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average3.10%▲ 1.23% above avgNationally 2.87%
Details

Dividends Credited/Compounded: Monthly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 12, 2026: 4.33% APYOct 12, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
18 Month Share and IRA Certificate - Fixed
$1,000
4.25% ▲ 1.15% above Arkansas avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Share and IRA Certificate; Promotional rate for a limited time on new money only; Minimum to Earn Dividends: $1000

Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 29, 2026: 4.25% APYSep 29, 2026Oct 13, 2026
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1100 N Illinois St, Harrisburg, AR 72432
18 Month Certificates of Deposit
$0
4.12% ▲ 1.02% above Arkansas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.10%▲ 1.02% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 0.55% → 4.12% ▲ 3.57 pts · high 4.12% / low 0.55%
0.00%3.85%7.69%Sep 19, 2026: 0.55% APYSep 27, 2026: 4.12% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20264.12%▲ from 0.55%
  • Sep 19, 20260.55%first recorded
Multi-States Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7301 Rogers Ave, Fort Smith, AR 72903
18 Month Certificate
$0
4.00% ▲ 0.90% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 18-month
$0
3.90% ▲ 0.80% above Arkansas avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▲ 0.80% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 18 Months
$2,500
3.80% ▲ 0.70% above Arkansas avg
View
▼
Rate3.73%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▲ 0.70% above avgNationally 2.87%
Details

Compounded Monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
18-month term
$0
3.80% ▲ 0.70% above Arkansas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.10%▲ 0.70% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.70% above Arkansas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.10%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
18 Month CD
$500
3.75% ▲ 0.65% above Arkansas avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▲ 0.65% above avgNationally 2.87%
Details

Minimum to open a share certificate is $500; early withdrawal penalties may apply

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
18 month Certificate of Deposit
$0
3.55% ▲ 0.45% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.10%▲ 0.45% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
18 Month IRA Fixed
$100
3.50% ▲ 0.40% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average3.10%▲ 0.40% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
2.79%3.40%4.00%Sep 14, 2026: 3.29% APYOct 7, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
18 Month Share Certificate
$500
3.50% ▲ 0.40% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▲ 0.40% above avgNationally 2.87%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
18 Month Certificate
$0
3.46% ▲ 0.36% above Arkansas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.10%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
18 Month IRA Certificate
$0
3.35% ▲ 0.25% above Arkansas avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average3.10%▲ 0.25% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
18 Month Share Certificates
$0
3.35% ▲ 0.25% above Arkansas avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average3.10%▲ 0.25% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
18 Month CD
$1,000
3.30% ▲ 0.20% above Arkansas avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average3.10%▲ 0.20% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.30% ▲ 0.27 pts · high 3.30% / low 3.03%
2.53%3.17%3.80%Sep 14, 2026: 3.03% APYOct 3, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • 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%
1114 FERGUSON DR, BENTON, AR 72015 3528
Shared Certificate - 18 Months
$500
3.25% ▲ 0.15% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▲ 0.15% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 90 days interest

Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 13, 2026
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
18 Month Certificate of Deposit (CD)
$500
3.04% ▼ 0.06% below Arkansas avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▼ 0.06% below avgNationally 2.87%
Details

Early withdrawal penalties may apply; rates subject to change

Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
IRA 18-Month Certificate
$0
2.87% ▼ 0.23% below Arkansas avg
View
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▼ 0.23% below avgNationally 2.87%
Details

Individual Retirement Accounts

Rate History
1 change since Sep 14, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
2.05%2.71%3.37%Sep 14, 2026: 2.55% APYOct 9, 2026: 2.87% APYSep 14, 2026Oct 13, 2026
  • 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%
200 N State St, Little Rock, AR 72201
18 Month Certificate
$0
2.78% ▼ 0.32% below Arkansas avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.10%▼ 0.32% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
18 Month IRA CD
$0
2.78% ▼ 0.32% below Arkansas avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.10%▼ 0.32% below avgNationally 2.87%
Details

IRA

Rate History
No change since Oct 7, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 7, 2026: 2.78% APYOct 7, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificates - 18 Month
$0
2.50% ▼ 0.60% below Arkansas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.10%▼ 0.60% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3300 S Market St, Rogers, AR 72758
18-month CD
$500
2.30% ▼ 0.80% below Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.10%▼ 0.80% below avgNationally 2.87%
Details

Rate History
No change since Sep 9, 2026 · 2.30% APY · checked 7 times
1.80%2.30%2.80%Sep 9, 2026: 2.30% APYSep 9, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
2409 E Main St, Russellville, AR 72802
18 Month Certificate
$500
2.00% ▼ 1.10% below Arkansas avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average3.10%▼ 1.10% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
18 Month Certificate
$0
1.90% ▼ 1.20% below Arkansas avg
View
▼
Rate1.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.10%▼ 1.20% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 7 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
18 Month Certificate
$0
1.65% ▼ 1.45% below Arkansas avg
View
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average3.10%▼ 1.45% below avgNationally 2.87%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.60% → 1.65% ▲ 0.05 pts · high 1.65% / low 1.60%
1.10%1.63%2.15%Sep 12, 2026: 1.60% APYOct 12, 2026: 1.65% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20261.65%▲ from 1.60%
  • Sep 12, 20261.60%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 18 Months
$0
1.65% ▼ 1.45% below Arkansas avg
View
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average3.10%▼ 1.45% below avgNationally 2.87%
Details

APY with Bonus Rate: 1.75%

Rate History
No change since Oct 12, 2026 · 1.65% APY
1.15%1.65%2.15%Oct 12, 2026: 1.65% APYOct 12, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
18 Month Certificate
$0
1.50% ▼ 1.60% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.10%▼ 1.60% below avgNationally 2.87%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 18 Months
$0
1.50% ▼ 1.60% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.10%▼ 1.60% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
White County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
508 W BEEBE CAPPS EXPY, Searcy, AR 72143 6652
Share Certificate - 18 Months
$1,000
0.50% ▼ 2.60% below Arkansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.10%▼ 2.60% below avgNationally 2.87%
Details

Standard and Default Renewal rate; see credit union for current specials

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
18 Month Certificates of Deposit (CDs)
$0
0.45% ▼ 2.65% below Arkansas avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average3.10%▼ 2.65% below avgNationally 2.87%
Details

Balance: $10,000+

Rate History
No change since Sep 11, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 11, 2026: 0.45% APYSep 11, 2026Oct 13, 2026
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
18 Month Certificates of Deposit (CDs)
$0
0.35% ▼ 2.75% below Arkansas avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average3.10%▼ 2.75% below avgNationally 2.87%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 11, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 11, 2026: 0.35% APYSep 11, 2026Oct 13, 2026

Arkansas 24 Month CD Rates

MonitorBankRates Arkansas Average · 24 Month CD2.92% APY▲ 0.08% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Arkansas is 2.92% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82% ▲ 1.90% above Arkansas avg
View
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 1.90% above avgNationally 2.88%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.82% APY
4.32%4.82%5.32%Oct 13, 2026: 4.82% APYOct 13, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
Certificate of Deposit - Special Offering - 24 Months
$1,000
4.25% ▲ 1.33% above Arkansas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 1.33% above avgNationally 2.88%
Details

Special offer, limited time; non-renewable; not available on new money deposits (reserved for money already on deposit with Telcoe as of last statement cycle); rates effective 08/25/26

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
24 Month Share Certificate/IRA Share Certificate
$1,000
4.15% ▲ 1.23% above Arkansas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.92%▲ 1.23% above avgNationally 2.88%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 13, 2026
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
24 Month CD
$500
4.15% ▲ 1.23% above Arkansas avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 1.23% above avgNationally 2.88%
Details

Minimum to open a share certificate is $500; early withdrawal penalties may apply

Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 13, 2026
First Service Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
134 S Broadview St, Greenbrier, AR 72058
24-Month CD
$10,000
4.00% ▲ 1.08% above Arkansas avg
View
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.92%▲ 1.08% above avgNationally 2.88%
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
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
IRA Certificate 24 Months
$500
3.82% ▲ 0.90% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.92%▲ 0.90% above avgNationally 2.88%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2000 Arkansas Blvd, Texarkana, AR 71854 1616
Share/IRA Certificates - 24 Months
$2,500
3.75% ▲ 0.83% above Arkansas avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 0.83% above avgNationally 2.88%
Details

Compounded Monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
24 Month Share Certificate
$0
3.71% ▲ 0.79% above Arkansas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▲ 0.79% above avgNationally 2.88%
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%
2.95%3.58%4.21%Sep 18, 2026: 3.45% APYOct 6, 2026: 3.71% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.71%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 24-month
$0
3.65% ▲ 0.73% above Arkansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
2 Year CD
$1,000
3.56% ▲ 0.64% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.92%▲ 0.64% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.56% ▲ 0.27 pts · high 3.56% / low 3.29%
2.79%3.43%4.06%Sep 14, 2026: 3.29% APYOct 3, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.56%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate - 24 Months
$0
3.56% ▲ 0.64% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 0.64% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.56% ▲ 0.06 pts · high 3.56% / low 3.50%
3.00%3.53%4.06%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.56%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
24 Month Share Certificate
$0
3.56% ▲ 0.64% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▲ 0.64% above avgNationally 2.88%
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%
2.59%3.33%4.06%Sep 18, 2026: 3.09% APYOct 6, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.56%▲ from 3.09%
  • Sep 18, 20263.09%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
24-Month Certificate of Deposit
$500
3.51% ▲ 0.59% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.92%▲ 0.59% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
2.60%3.30%4.01%Sep 18, 2026: 3.10% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
24 Month IRA Fixed
$100
3.50% ▲ 0.58% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.92%▲ 0.58% above avgNationally 2.88%
Details

Early withdrawal penalty 120 days

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
2.79%3.40%4.00%Sep 14, 2026: 3.29% APYOct 7, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
24 Month Share Certificate
$0
3.50% ▲ 0.58% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 0.58% above avgNationally 2.88%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
24 Month Share Certificate
$500
3.50% ▲ 0.58% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 0.58% above avgNationally 2.88%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
24 Month IRA Certificate
$0
3.45% ▲ 0.53% above Arkansas avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.92%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
24 Month Share Certificates
$0
3.45% ▲ 0.53% above Arkansas avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.92%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 2 Year Jumbo
$0
3.44% ▲ 0.52% above Arkansas avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.92%▲ 0.52% above avgNationally 2.88%
Details

Jumbo

Rate History
No change since Sep 18, 2026 · 3.44% APY · checked 4 times
2.94%3.44%3.94%Sep 18, 2026: 3.44% APYSep 18, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
24 Month Certificate
$0
3.41% ▲ 0.49% above Arkansas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.92%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
24 Month Share Certificate
$0
3.41% ▲ 0.49% above Arkansas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▲ 0.49% above avgNationally 2.88%
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%
2.59%3.25%3.91%Sep 18, 2026: 3.09% APYOct 6, 2026: 3.41% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.41%▲ from 3.09%
  • Sep 18, 20263.09%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
24 Month Share Certificate
$0
3.40% ▲ 0.48% above Arkansas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▲ 0.48% above avgNationally 2.88%
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%
2.59%3.25%3.90%Sep 18, 2026: 3.09% APYOct 6, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.40%▲ from 3.09%
  • Sep 18, 20263.09%first recorded
Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
1125 Military Rd, Benton, AR 72015
2 Year Certificate
$2,500
3.35% ▲ 0.43% above Arkansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 0.43% above avgNationally 2.88%
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 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1114 FERGUSON DR, BENTON, AR 72015 3528
Shared Certificate - 24 Months
$500
3.25% ▲ 0.33% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 0.33% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 90 days interest

Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 13, 2026
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 2 Year
$0
3.19% ▲ 0.27% above Arkansas avg
View
▼
Rate3.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.92%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 4 times
2.69%3.19%3.69%Sep 18, 2026: 3.19% APYSep 18, 2026Oct 13, 2026
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
24 Month Certificate of Deposit (CD)
$500
3.04% ▲ 0.12% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 0.12% above avgNationally 2.88%
Details

Early withdrawal penalties may apply; rates subject to change

Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
24 month Certificate of Deposit
$0
3.03% ▲ 0.11% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▲ 0.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1001 S 21st St, FORT SMITH, AR 72901 4007
2-Year Share Certificate
$500
3.00% ▲ 0.08% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▲ 0.08% above avgNationally 2.88%
Details

Dividends compounded quarterly and credited quarterly; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
24 Month Share Certificates (CDs)
$1,000
2.87% ▼ 0.05% below Arkansas avg
View
▼
Rate2.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▼ 0.05% below avgNationally 2.88%
Details

Early withdrawal penalties apply to all certificate and IRA accounts.

Rate History
1 change since Sep 18, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
2.05%2.71%3.37%Sep 18, 2026: 2.55% APYOct 13, 2026: 2.87% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20262.87%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
2 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.65% ▼ 0.27% below Arkansas avg
View
▼
Rate2.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▼ 0.27% below avgNationally 2.88%
Details

Jumbo Share and IRA Certificate; Minimum to Earn Dividends: $100,000

Rate History
No change since Sep 29, 2026 · 2.65% APY · checked 4 times
2.15%2.65%3.15%Sep 29, 2026: 2.65% APYSep 29, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
24-month term
$0
2.60% ▼ 0.32% below Arkansas avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▼ 0.32% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA Certificates (CDs) - 24-month term
$0
2.60% ▼ 0.32% below Arkansas avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▼ 0.32% below avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 10, 2026: 2.60% APYOct 10, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
IRA 24 Months
$500
2.52% ▼ 0.40% below Arkansas avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▼ 0.40% below avgNationally 2.88%
Details

Traditional and Roth IRAs available; Prior year contributions can be made through April 15 of the following year

Rate History
No change since Oct 13, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 13, 2026: 2.52% APYOct 13, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
IRA Share (variable) - 24 Months
$500
2.52% ▼ 0.40% below Arkansas avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▼ 0.40% below avgNationally 2.88%
Details

Variable IRA Share; Dividend rate 2.50%, APY 2.52%; $25 min. shown in table header

Rate History
No change since Oct 9, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 9, 2026: 2.52% APYOct 9, 2026Oct 13, 2026
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
2 Year Certificate
$0
2.52% ▼ 0.40% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.92%▼ 0.40% below avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 2.52% APY · checked 8 times
2.02%2.52%3.02%Sep 7, 2026: 2.52% APYSep 7, 2026Oct 13, 2026
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
24 Month IRA CD
$500
2.52% ▼ 0.40% below Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.92%▼ 0.40% below avgNationally 2.88%
Details

IRA CD balance of $500 or more currently earns 2.516% APY for 24 month term. Interest is accrued daily at current rate. FREE Online Banking and Touch Tone Banking available. Some restrictions apply. See a customer service representative for more information. Interest Rates & Annual Percent Yield (APY) subject to change without notice. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 7 times
2.02%2.52%3.02%Sep 19, 2026: 2.52% APYSep 19, 2026Oct 13, 2026
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
2 Year CD
$0
2.50% ▼ 0.42% below Arkansas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.92%▼ 0.42% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
2 Year Share and IRA Certificate - Fixed
$1,000
2.40% ▼ 0.52% below Arkansas avg
View
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▼ 0.52% below avgNationally 2.88%
Details

Share and IRA Certificate; Minimum to Earn Dividends: $1000

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 8 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
24-month term Standard CD
$0
2.34% ▼ 0.58% below Arkansas avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▼ 0.58% below avgNationally 2.88%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 2.34% APY · checked 4 times
1.84%2.34%2.84%Sep 27, 2026: 2.34% APYSep 27, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA Certificates (CDs) - 24-month term
$0
2.34% ▼ 0.58% below Arkansas avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▼ 0.58% below avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 2.34% APY
1.84%2.34%2.84%Oct 10, 2026: 2.34% APYOct 10, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
IRA Certificates - 24 Months
$0
2.25% ▼ 0.67% below Arkansas avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▼ 0.67% below avgNationally 2.88%
Details

Minimum $500 balance. Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Roth & Educational IRA Share Certificates - 24 Month
$0
2.25% ▼ 0.67% below Arkansas avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▼ 0.67% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard IRA Share Certificates - 24 Month
$0
2.25% ▼ 0.67% below Arkansas avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▼ 0.67% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
2407 Quality Way, Jonesboro, AR 72401
Standard Share Certificates - 24 Month
$0
2.25% ▼ 0.67% below Arkansas avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.92%▼ 0.67% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificate of Deposit - 2 Year
$1,000
2.20% ▼ 0.72% below Arkansas avg
View
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▼ 0.72% below avgNationally 2.88%
Details

Penalty for early withdrawal, please see disclosures

Rate History
1 change since Sep 14, 2026 · 4.25% → 2.20% ▼ 2.05 pts · high 4.25% / low 2.20%
0.15%3.23%6.30%Sep 14, 2026: 4.25% APYSep 21, 2026: 2.20% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20262.20%▼ from 4.25%
  • Sep 14, 20264.25%first recorded
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
24 Month Certificate
$0
2.10% ▼ 0.82% below Arkansas avg
View
▼
Rate2.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.92%▼ 0.82% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
Share Certificates - 24 Months
$500
2.02% ▼ 0.90% below Arkansas avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.92%▼ 0.90% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
24 Month Certificate
$0
1.85% ▼ 1.07% below Arkansas avg
View
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.92%▼ 1.07% below avgNationally 2.88%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.95% → 1.85% ▼ 0.10 pts · high 1.95% / low 1.85%
1.35%1.90%2.45%Sep 12, 2026: 1.95% APYOct 12, 2026: 1.85% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20261.85%▼ from 1.95%
  • Sep 12, 20261.95%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 24 Months
$0
1.85% ▼ 1.07% below Arkansas avg
View
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.92%▼ 1.07% below avgNationally 2.88%
Details

APY with Bonus Rate: 1.95%

Rate History
No change since Oct 12, 2026 · 1.85% APY
1.35%1.85%2.35%Oct 12, 2026: 1.85% APYOct 12, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
2 Year Certificate
$0
1.50% ▼ 1.42% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.92%▼ 1.42% below avgNationally 2.88%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026

Arkansas 36 Month CD Rates

MonitorBankRates Arkansas Average · 36 Month CD2.70% APY▲ 0.07% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Arkansas is 2.70% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93% ▲ 2.23% above Arkansas avg
View
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▲ 2.23% above avgNationally 2.81%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.93% APY
4.43%4.93%5.43%Oct 13, 2026: 4.93% APYOct 13, 2026Oct 13, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
36 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.55% above Arkansas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.70%▲ 1.55% above avgNationally 2.81%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
36 Month Share Certificate
$0
3.97% ▲ 1.27% above Arkansas avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.70%▲ 1.27% above avgNationally 2.81%
Details

Balance: $50,000-$99,999

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.97% ▲ 0.52 pts · high 3.97% / low 3.45%
2.93%3.71%4.49%Sep 18, 2026: 3.45% APYOct 6, 2026: 3.97% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.97%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
IRA Certificate 36 Months
$500
3.82% ▲ 1.12% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.70%▲ 1.12% above avgNationally 2.81%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
36 Month Share Certificate
$0
3.82% ▲ 1.12% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.70%▲ 1.12% above avgNationally 2.81%
Details

Balance: $10,000-$19,999

Rate History
1 change since Sep 18, 2026 · 3.09% → 3.82% ▲ 0.73 pts · high 3.82% / low 3.09%
2.36%3.46%4.55%Sep 18, 2026: 3.09% APYOct 6, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.82%▲ from 3.09%
  • Sep 18, 20263.09%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
36 Month Share Certificate
$0
3.66% ▲ 0.96% above Arkansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.70%▲ 0.96% above avgNationally 2.81%
Details

Balance: $500-$999

Rate History
1 change since Sep 18, 2026 · 3.09% → 3.66% ▲ 0.57 pts · high 3.66% / low 3.09%
2.52%3.38%4.23%Sep 18, 2026: 3.09% APYOct 6, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.66%▲ from 3.09%
  • Sep 18, 20263.09%first recorded
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 36-month
$0
3.65% ▲ 0.95% above Arkansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▲ 0.95% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
3 Year CD
$1,000
3.56% ▲ 0.86% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.70%▲ 0.86% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.56% ▲ 0.27 pts · high 3.56% / low 3.29%
2.79%3.43%4.06%Sep 14, 2026: 3.29% APYOct 3, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.56%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate - 36 Months
$0
3.56% ▲ 0.86% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▲ 0.86% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.56% ▲ 0.32 pts · high 3.56% / low 3.24%
2.74%3.40%4.06%Sep 14, 2026: 3.24% APYOct 9, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.56%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
36-Month Certificate of Deposit
$500
3.51% ▲ 0.81% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.70%▲ 0.81% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
101 N Washington St, Forrest City, AR 72335
36 Month IRA Fixed
$100
3.50% ▲ 0.80% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.70%▲ 0.80% above avgNationally 2.81%
Details

Early withdrawal penalty 182 days

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
2.79%3.40%4.00%Sep 14, 2026: 3.29% APYOct 7, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
36 Month IRA Certificate
$0
3.50% ▲ 0.80% above Arkansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.70%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
36 Month Share Certificates
$0
3.50% ▲ 0.80% above Arkansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.70%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
36 Month Share Certificate
$500
3.50% ▲ 0.80% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▲ 0.80% above avgNationally 2.81%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 3 Year Jumbo
$0
3.43% ▲ 0.73% above Arkansas avg
View
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.70%▲ 0.73% above avgNationally 2.81%
Details

Jumbo

Rate History
No change since Sep 18, 2026 · 3.43% APY · checked 4 times
2.93%3.43%3.93%Sep 18, 2026: 3.43% APYSep 18, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
36 Month Certificate
$0
3.41% ▲ 0.71% above Arkansas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.70%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1114 FERGUSON DR, BENTON, AR 72015 3528
Shared Certificate - 36 Months
$500
3.25% ▲ 0.55% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▲ 0.55% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 90 days interest

Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
36 Month Share Certificate
$0
3.25% ▲ 0.55% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▲ 0.55% above avgNationally 2.81%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
340 Cash Rd SW, Camden, AR 71701 3705
Share Certificate - 3 Year
$0
3.18% ▲ 0.48% above Arkansas avg
View
▼
Rate3.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.70%▲ 0.48% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.18% APY · checked 4 times
2.68%3.18%3.68%Sep 18, 2026: 3.18% APYSep 18, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
36 month Certificate of Deposit
$0
3.08% ▲ 0.38% above Arkansas avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.70%▲ 0.38% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.08% APY · checked 6 times
2.58%3.08%3.58%Sep 14, 2026: 3.08% APYSep 14, 2026Oct 13, 2026
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
50 W Van Asche, Fayetteville, AR 72703
36 Month Certificate of Deposit (CD)
$500
3.04% ▲ 0.34% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▲ 0.34% above avgNationally 2.81%
Details

Early withdrawal penalties may apply; rates subject to change

Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
1001 S 21st St, FORT SMITH, AR 72901 4007
3-Year Share Certificate
$500
3.00% ▲ 0.30% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▲ 0.30% above avgNationally 2.81%
Details

Dividends compounded quarterly and credited quarterly; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
36 Month Share Certificates (CDs)
$1,000
2.93% ▲ 0.23% above Arkansas avg
View
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▲ 0.23% above avgNationally 2.81%
Details

Early withdrawal penalties apply to all certificate and IRA accounts.

Rate History
1 change since Sep 18, 2026 · 2.59% → 2.93% ▲ 0.34 pts · high 2.93% / low 2.59%
2.09%2.76%3.43%Sep 18, 2026: 2.59% APYOct 13, 2026: 2.93% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20262.93%▲ from 2.59%
  • Sep 18, 20262.59%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
36-month term
$0
2.75% ▲ 0.05% above Arkansas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.70%▲ 0.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA Certificates (CDs) - 36-month term
$0
2.75% ▲ 0.05% above Arkansas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.70%▲ 0.05% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 10, 2026: 2.75% APYOct 10, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
3 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.65% ▼ 0.05% below Arkansas avg
View
▼
Rate2.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▼ 0.05% below avgNationally 2.81%
Details

Jumbo Share and IRA Certificate; Minimum to Earn Dividends: $100,000

Rate History
No change since Sep 29, 2026 · 2.65% APY · checked 4 times
2.15%2.65%3.15%Sep 29, 2026: 2.65% APYSep 29, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
Share Certificates - 36 Months
$500
2.52% ▼ 0.18% below Arkansas avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▼ 0.18% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 8 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
36-month term Standard CD
$0
2.49% ▼ 0.21% below Arkansas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.70%▼ 0.21% below avgNationally 2.81%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 2.49% APY · checked 4 times
1.99%2.49%2.99%Sep 27, 2026: 2.49% APYSep 27, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA Certificates (CDs) - 36-month term
$0
2.49% ▼ 0.21% below Arkansas avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.70%▼ 0.21% below avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 2.49% APY
1.99%2.49%2.99%Oct 10, 2026: 2.49% APYOct 10, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
3 Year Share and IRA Certificate - Fixed
$1,000
2.40% ▼ 0.30% below Arkansas avg
View
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▼ 0.30% below avgNationally 2.81%
Details

Share and IRA Certificate; Minimum to Earn Dividends: $1000

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 8 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
36 Month Certificate
$0
2.34% ▼ 0.36% below Arkansas avg
View
▼
Rate2.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.70%▼ 0.36% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.34% APY · checked 7 times
1.84%2.34%2.84%Sep 14, 2026: 2.34% APYSep 14, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificate of Deposit - 3 Year
$1,000
2.30% ▼ 0.40% below Arkansas avg
View
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▼ 0.40% below avgNationally 2.81%
Details

Penalty for early withdrawal, please see disclosures

Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 6 times
1.80%2.30%2.80%Sep 14, 2026: 2.30% APYSep 14, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
IRA 36 Months
$500
2.27% ▼ 0.43% below Arkansas avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▼ 0.43% below avgNationally 2.81%
Details

Traditional and Roth IRAs available; Prior year contributions can be made through April 15 of the following year

Rate History
No change since Oct 13, 2026 · 2.27% APY
1.77%2.27%2.77%Oct 13, 2026: 2.27% APYOct 13, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
411 N Broadway St, Blytheville, AR 72315
IRA Share (variable) - 36 Months
$500
2.27% ▼ 0.43% below Arkansas avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▼ 0.43% below avgNationally 2.81%
Details

Variable IRA Share; Dividend rate 2.25%, APY 2.27%; $25 min. shown in table header

Rate History
No change since Oct 9, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 9, 2026: 2.27% APYOct 9, 2026Oct 13, 2026
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
305 Public Sq, Berryville, AR 72616
3 Year Certificate
$0
2.01% ▼ 0.69% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.70%▼ 0.69% below avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 2.01% APY · checked 8 times
1.51%2.01%2.51%Sep 7, 2026: 2.01% APYSep 7, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
36 Month Bump Up Certificate
$0
2.00% ▼ 0.70% below Arkansas avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.70%▼ 0.70% below avgNationally 2.81%
Details

Balance: $500 - $1,000,000; Effective Date: October 01, 2026; APY with Bonus Rate: 2.10% (bonus of 0.10% APY when the Tax Reported Owner has an Ultra Checking account with an average monthly balance of at least $1.00); A penalty may be charged for early withdrawal

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
36 Month Certificate
$0
2.00% ▼ 0.70% below Arkansas avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.70%▼ 0.70% below avgNationally 2.81%
Details

Effective Date: October 01, 2026

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 36 Months
$0
2.00% ▼ 0.70% below Arkansas avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.70%▼ 0.70% below avgNationally 2.81%
Details

APY with Bonus Rate: 2.10%

Rate History
No change since Oct 12, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 12, 2026: 2.00% APYOct 12, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
IRA Certificates - 36 Months
$0
2.00% ▼ 0.70% below Arkansas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▼ 0.70% below avgNationally 2.81%
Details

Minimum $500 balance. Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
3 Year Certificate
$0
1.50% ▼ 1.20% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.70%▼ 1.20% below avgNationally 2.81%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 3 Years
$0
1.50% ▼ 1.20% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.70%▼ 1.20% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
200 N State St, Little Rock, AR 72201
3 Year CD
$0
1.26% ▼ 1.44% below Arkansas avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.70%▼ 1.44% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Oct 7, 2026: 1.26% APYOct 7, 2026Oct 13, 2026
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
36 Month CD
$500
1.21% ▼ 1.49% below Arkansas avg
View
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▼ 1.49% below avgNationally 2.81%
Details

Minimum to open a share certificate is $500; early withdrawal penalties may apply

Rate History
No change since Oct 9, 2026 · 1.21% APY · checked 2 times
0.71%1.21%1.71%Oct 9, 2026: 1.21% APYOct 9, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
IRA Certificate of Deposit - 3 Year Educ. IRA
$1,000
1.00% ▼ 1.70% below Arkansas avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.70%▼ 1.70% below avgNationally 2.81%
Details

Educ. IRA; Penalty for early withdrawal, please see disclosures

Rate History
No change since Oct 13, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 13, 2026
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
600 W Main St, Jacksonville, AR 72076
3-year cd
$500
0.75% ▼ 1.95% below Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.70%▼ 1.95% below avgNationally 2.81%
Details

Deposit amount and interest rate is "locked" for the term amount Early withdrawal penalty may apply Automatically renews for 3 years *Maximum online account opening deposit is $25,000.

Rate History
No change since Sep 8, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 8, 2026: 0.75% APYSep 8, 2026Oct 13, 2026
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1100 N Illinois St, Harrisburg, AR 72432
36 Month Certificates of Deposit
$0
0.55% ▼ 2.15% below Arkansas avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.70%▼ 2.15% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 19, 2026: 0.55% APYSep 19, 2026Oct 13, 2026
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
36 Month Certificates of Deposit (CDs)
$0
0.55% ▼ 2.15% below Arkansas avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.70%▼ 2.15% below avgNationally 2.81%
Details

Balance: $10,000+

Rate History
No change since Sep 11, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 11, 2026: 0.55% APYSep 11, 2026Oct 13, 2026
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
3401 E Mission Blvd, Fayetteville, AR 72703
36 Month Certificates of Deposit (CDs)
$0
0.45% ▼ 2.25% below Arkansas avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average2.70%▼ 2.25% below avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 11, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 11, 2026: 0.45% APYSep 11, 2026Oct 13, 2026

Arkansas 48 Month CD Rates

MonitorBankRates Arkansas Average · 48 Month CD2.78% APY▲ 0.13% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Arkansas is 2.78% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
48 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.47% above Arkansas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.78%▲ 1.47% above avgNationally 2.80%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
48 Month Share Certificate
$0
4.13% ▲ 1.35% above Arkansas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.78%▲ 1.35% above avgNationally 2.80%
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%
2.77%3.79%4.81%Sep 18, 2026: 3.45% APYOct 6, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.13%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
48 Month Share Certificate
$0
3.97% ▲ 1.19% above Arkansas avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.78%▲ 1.19% above avgNationally 2.80%
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%
2.21%3.53%4.85%Sep 18, 2026: 3.09% APYOct 6, 2026: 3.97% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.97%▲ from 3.09%
  • Sep 18, 20263.09%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
IRA Certificate 48 Months
$500
3.82% ▲ 1.04% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.78%▲ 1.04% above avgNationally 2.80%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
48 Month Share Certificate
$0
3.82% ▲ 1.04% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.78%▲ 1.04% above avgNationally 2.80%
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%
2.36%3.46%4.55%Sep 18, 2026: 3.09% APYOct 6, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.82%▲ from 3.09%
  • Sep 18, 20263.09%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
48 Month Share Certificate
$0
3.81% ▲ 1.03% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.78%▲ 1.03% above avgNationally 2.80%
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%
2.37%3.45%4.53%Sep 18, 2026: 3.09% APYOct 6, 2026: 3.81% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.81%▲ from 3.09%
  • Sep 18, 20263.09%first recorded
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate - 48 Months
$0
3.56% ▲ 0.78% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.78%▲ 0.78% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.56% ▲ 0.32 pts · high 3.56% / low 3.24%
2.74%3.40%4.06%Sep 14, 2026: 3.24% APYOct 9, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.56%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
48-Month Certificate of Deposit
$500
3.51% ▲ 0.73% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.78%▲ 0.73% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
48 Month IRA Certificate
$0
3.50% ▲ 0.72% above Arkansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.78%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
48 Month Share Certificates
$0
3.50% ▲ 0.72% above Arkansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average2.78%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
48 Month Share Certificate
$500
3.50% ▲ 0.72% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.78%▲ 0.72% above avgNationally 2.80%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
48 Month Certificate
$0
3.41% ▲ 0.63% above Arkansas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.78%▲ 0.63% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
48 month Certificate of Deposit
$0
3.18% ▲ 0.40% above Arkansas avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.78%▲ 0.40% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.18% APY · checked 6 times
2.68%3.18%3.68%Sep 14, 2026: 3.18% APYSep 14, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
48 Month Share Certificate
$0
3.00% ▲ 0.22% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.78%▲ 0.22% above avgNationally 2.80%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
48-month term
$0
2.90% ▲ 0.12% above Arkansas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.78%▲ 0.12% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA Certificates (CDs) - 48-month term
$0
2.90% ▲ 0.12% above Arkansas avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.78%▲ 0.12% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 10, 2026: 2.90% APYOct 10, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
48-month term Standard CD
$0
2.64% ▼ 0.14% below Arkansas avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.78%▼ 0.14% below avgNationally 2.80%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 2.64% APY · checked 4 times
2.14%2.64%3.14%Sep 27, 2026: 2.64% APYSep 27, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA Certificates (CDs) - 48-month term
$0
2.64% ▼ 0.14% below Arkansas avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average2.78%▼ 0.14% below avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 2.64% APY
2.14%2.64%3.14%Oct 10, 2026: 2.64% APYOct 10, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificate of Deposit - 4 Year
$1,000
2.60% ▼ 0.18% below Arkansas avg
View
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.78%▼ 0.18% below avgNationally 2.80%
Details

Penalty for early withdrawal, please see disclosures

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
48 Month Certificate
$0
2.05% ▼ 0.73% below Arkansas avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.78%▼ 0.73% below avgNationally 2.80%
Details

Effective Date: October 01, 2026

Rate History
No change since Sep 12, 2026 · 2.05% APY · checked 2 times
1.55%2.05%2.55%Sep 12, 2026: 2.05% APYSep 12, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 48 Months
$0
2.05% ▼ 0.73% below Arkansas avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average2.78%▼ 0.73% below avgNationally 2.80%
Details

APY with Bonus Rate: 2.15%

Rate History
No change since Oct 12, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 12, 2026: 2.05% APYOct 12, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
4 Year Certificate
$0
1.50% ▼ 1.28% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.78%▼ 1.28% below avgNationally 2.80%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 4 Years
$0
1.50% ▼ 1.28% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.78%▼ 1.28% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
IRA Certificate of Deposit - 4 Year Educ. IRA
$1,000
1.15% ▼ 1.63% below Arkansas avg
View
▼
Rate1.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.78%▼ 1.63% below avgNationally 2.80%
Details

Educ. IRA; Penalty for early withdrawal, please see disclosures

Rate History
No change since Oct 13, 2026 · 1.15% APY
0.65%1.15%1.65%Oct 13, 2026: 1.15% APYOct 13, 2026Oct 13, 2026
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
7333 Highway 270, Malvern, AR 72104 2078
48 Month CD
$500
1.00% ▼ 1.78% below Arkansas avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average2.78%▼ 1.78% below avgNationally 2.80%
Details

Minimum to open a share certificate is $500; early withdrawal penalties may apply

Rate History
No change since Oct 9, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 9, 2026: 1.00% APYOct 9, 2026Oct 13, 2026
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1100 N Illinois St, Harrisburg, AR 72432
48 Month Certificates of Deposit
$0
0.60% ▼ 2.18% below Arkansas avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.78%▼ 2.18% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 19, 2026: 0.60% APYSep 19, 2026Oct 13, 2026

Arkansas 60 Month CD Rates

MonitorBankRates Arkansas Average · 60 Month CD3.01% APY▲ 0.12% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Arkansas is 3.01% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95% ▲ 1.94% above Arkansas avg
View
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▲ 1.94% above avgNationally 2.90%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 13, 2026: 4.95% APYOct 13, 2026Oct 13, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
45 Highway 79 Byp N, Magnolia, AR 71753 3244
60 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.24% above Arkansas avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average3.01%▲ 1.24% above avgNationally 2.90%
Details

Minimum opening deposit is $1,000; Rates effective as of 10/6/2026

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
60 Month Share Certificate
$0
4.13% ▲ 1.12% above Arkansas avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▲ 1.12% above avgNationally 2.90%
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%
1.43%3.46%5.48%Sep 18, 2026: 2.78% APYOct 6, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.13%▲ from 2.78%
  • Sep 18, 20262.78%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
60 Month Share Certificate
$0
3.97% ▲ 0.96% above Arkansas avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▲ 0.96% above avgNationally 2.90%
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%
1.29%3.30%5.31%Sep 18, 2026: 2.63% APYOct 6, 2026: 3.97% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.97%▲ from 2.63%
  • Sep 18, 20262.63%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1513 N Hervey St, Hope, AR 71801
IRA Certificate 60 Months
$500
3.82% ▲ 0.81% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average3.01%▲ 0.81% above avgNationally 2.90%
Details

Published APY range: 3.82%/3.80%. Dividends Credited/Compounded: Monthly/Quarterly; Minimum opening and running balance for IRA Certificates is $500

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
60 Month Share Certificate
$0
3.82% ▲ 0.81% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▲ 0.81% above avgNationally 2.90%
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%
1.44%3.22%5.01%Sep 18, 2026: 2.63% APYOct 6, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.82%▲ from 2.63%
  • Sep 18, 20262.63%first recorded
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3501 Old Greenwood Rd, Fort Smith, AR 72903
60 Month Share Certificate
$0
3.81% ▲ 0.80% above Arkansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▲ 0.80% above avgNationally 2.90%
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%
1.45%3.22%4.99%Sep 18, 2026: 2.63% APYOct 6, 2026: 3.81% APYSep 18, 2026Oct 13, 2026
  • 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%
1448 AR 333, Russellville, AR 72802
Regular Certificates - 60-month
$0
3.65% ▲ 0.64% above Arkansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▲ 0.64% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
4437 Jefferson Ave, Texarkana, AR 71854
Certificate - 60 Months
$0
3.56% ▲ 0.55% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▲ 0.55% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.56% ▲ 0.32 pts · high 3.56% / low 3.24%
2.74%3.40%4.06%Sep 14, 2026: 3.24% APYOct 9, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.56%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758
60-Month Certificate of Deposit
$500
3.51% ▲ 0.50% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.01%▲ 0.50% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
60 Month IRA Certificate
$0
3.50% ▲ 0.49% above Arkansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average3.01%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2905 S Walton Blvd, Bentonville, AR 72712
60 Month Share Certificates
$0
3.50% ▲ 0.49% above Arkansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Arkansas Average3.01%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
60 Month Share Certificate
$500
3.50% ▲ 0.49% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▲ 0.49% above avgNationally 2.90%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
205 E Rice St, Pocahontas, AR 72455
60 Month Certificate
$0
3.41% ▲ 0.40% above Arkansas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.01%▲ 0.40% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
60 month Certificate of Deposit
$0
3.29% ▲ 0.28% above Arkansas avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▲ 0.28% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
60-month term
$0
3.10% ▲ 0.09% above Arkansas avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▲ 0.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA Certificates (CDs) - 60-month term
$0
3.10% ▲ 0.09% above Arkansas avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▲ 0.09% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 10, 2026: 3.10% APYOct 10, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
Eaton Hydraulics, Searcy, AR 72143 7408
60 month bump Certificate of Deposit
$0
3.03% ▲ 0.02% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▲ 0.02% above avgNationally 2.90%
Details

Rates for the 60 Month Bump CD can be raised 3 times during the 5-year term.

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
60 Month Share Certificates (CDs)
$1,000
2.94% ▼ 0.07% below Arkansas avg
View
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▼ 0.07% below avgNationally 2.90%
Details

Early withdrawal penalties apply to all certificate and IRA accounts.

Rate History
1 change since Sep 18, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
2.16%2.80%3.44%Sep 18, 2026: 2.66% APYOct 13, 2026: 2.94% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20262.94%▲ from 2.66%
  • Sep 18, 20262.66%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1114 N Missouri St, West Memphis, AR 72301 2614
IRA 60-Month Certificate
$0
2.94% ▼ 0.07% below Arkansas avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▼ 0.07% below avgNationally 2.90%
Details

Individual Retirement Accounts

Rate History
1 change since Sep 14, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
2.16%2.80%3.44%Sep 14, 2026: 2.66% APYOct 9, 2026: 2.94% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20262.94%▲ from 2.66%
  • Sep 14, 20262.66%first recorded
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
Share Certificate of Deposit - 5 Year
$1,000
2.90% ▼ 0.11% below Arkansas avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▼ 0.11% below avgNationally 2.90%
Details

Penalty for early withdrawal, please see disclosures

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
5 Year Jumbo Share and IRA Certificate - Fixed
$100,000
2.85% ▼ 0.16% below Arkansas avg
View
▼
Rate2.82%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▼ 0.16% below avgNationally 2.90%
Details

Jumbo Share and IRA Certificate; Minimum to Earn Dividends: $100,000

Rate History
No change since Sep 29, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 29, 2026: 2.85% APYSep 29, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
60-month term Standard CD
$0
2.84% ▼ 0.17% below Arkansas avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▼ 0.17% below avgNationally 2.90%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 2.84% APY · checked 4 times
2.34%2.84%3.34%Sep 27, 2026: 2.84% APYSep 27, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1900 Highway 201 N, Mountain Home, AR 72653
IRA Certificates (CDs) - 60-month term
$0
2.84% ▼ 0.17% below Arkansas avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Arkansas Average3.01%▼ 0.17% below avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 10, 2026: 2.84% APYOct 10, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2200 Forward Dr, Harrison, AR 72601 2004
60 Month Share Certificate
$0
2.75% ▼ 0.26% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▼ 0.26% below avgNationally 2.90%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
200 W Court St, Paragould, AR 72450
60 Month Certificate
$0
2.64% ▼ 0.37% below Arkansas avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.01%▼ 0.37% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.64% APY · checked 7 times
2.14%2.64%3.14%Sep 14, 2026: 2.64% APYSep 14, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
11001 Hermitage Rd, LIttle Rock, AR 72211
5 Year Share and IRA Certificate - Fixed
$1,000
2.60% ▼ 0.41% below Arkansas avg
View
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▼ 0.41% below avgNationally 2.90%
Details

Share and IRA Certificate; Minimum to Earn Dividends: $1000

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 8 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
2409 E Main St, Russellville, AR 72802
60 Month Certificate
$500
2.50% ▼ 0.51% below Arkansas avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Arkansas Average3.01%▼ 0.51% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
60 Month Certificate
$0
2.10% ▼ 0.91% below Arkansas avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average3.01%▼ 0.91% below avgNationally 2.90%
Details

Effective Date: October 01, 2026

Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 12, 2026: 2.10% APYSep 12, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8900 Jenny Lind Rd, Fort Smith, AR 72908 8628
Share and IRA Certificates - 60 Months
$0
2.10% ▼ 0.91% below Arkansas avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Arkansas Average3.01%▼ 0.91% below avgNationally 2.90%
Details

APY with Bonus Rate: 2.20%

Rate History
No change since Oct 12, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
1201 W 3rd ST, Little Rock, AR 72201 1903
IRA Certificates - 60 Months
$0
1.75% ▼ 1.26% below Arkansas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▼ 1.26% below avgNationally 2.90%
Details

Minimum $500 balance. Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 13, 2026: 1.75% APYOct 13, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
820 Louisiana St, Little Rock, AR 72201 4692
IRA Certificate of Deposit - 5 Year Educ. IRA
$1,000
1.65% ▼ 1.36% below Arkansas avg
View
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Arkansas Average3.01%▼ 1.36% below avgNationally 2.90%
Details

Educ. IRA; Penalty for early withdrawal, please see disclosures

Rate History
No change since Oct 13, 2026 · 1.65% APY
1.15%1.65%2.15%Oct 13, 2026: 1.65% APYOct 13, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
5 Year Certificate
$0
1.50% ▼ 1.51% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.01%▼ 1.51% below avgNationally 2.90%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3500 N College Ave, Fayetteville, AR 72703
IRA CD - 5 Years
$0
1.50% ▼ 1.51% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.01%▼ 1.51% below avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
1100 N Illinois St, Harrisburg, AR 72432
60 Month Certificates of Deposit
$0
0.70% ▼ 2.31% below Arkansas avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average3.01%▼ 2.31% below avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 0.70% APY · checked 6 times
0.20%0.70%1.20%Sep 19, 2026: 0.70% APYSep 19, 2026Oct 13, 2026
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.

Top CD Rates from Arkansas Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Academy Bank
18-Month Certificate of Deposit
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
Producers Bank & Trust
12-month CD
A+ 5.0 ★ TX: 0.00%
Min: $0
4.25%
First Service Bank
6-Month CD
A 5.0 ★ TX: 6.06%
Min: $10,000
4.15%
Unico Bank
18 Month Certificates of Deposit
B- 4.4 ★ TX: 22.75%
Min: $0
4.12%
First National Bank of Eastern Arkansas
1 Year CD
A+ 5.0 ★ TX: 3.75%
Min: $1,000
4.07%
CU Top 5 Credit Union Rates
Hope Federal Credit Union Jackson, MS
60 Month Share Certificates (CDs) - Jumbo
A 5.0 ★ TX: 7.78%
Min: $1,000
4.95%
TruService Community Federal Credit Union
18 Month Jumbo Share and IRA Certificate - Fixed
A+ 5.0 ★ TX: 3.95%
Min: $100,000
4.50%
Red River Employees Federal Credit Union
6 Month TEAL Certificate
A+ 5.0 ★ TX: 4.75%
Min: $250
4.33%
Carter Federal Credit Union
36 Month Share Certificate/IRA Share Certificate
C- 3.8 ★ TX: 29.75%
Min: $1,000
4.25%
Telcoe Federal Credit Union
Certificate of Deposit - Special Offering - 12 Months
A+ 5.0 ★ TX: 0.18%
Min: $1,000
4.25%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Arkansas CD Rate Trends

Compare local Arkansas CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Arkansas CD Trends
12-Month CD AR Avg
2.993%
▲ 0.051 vs 7 days ago

Arkansas 12-month CD rates rose 0.051 points over the past 7 days to 2.993% APY.

6-Month CD AR Avg
2.807%
▲ 0.058 vs 7 days ago

Arkansas 6-month CD rates rose 0.058 points over the past 7 days to 2.807% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

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
2.993%
6-Month Forecast
2.993%
Range: 2.79%, 3.14%
12-Month Forecast
3.243%
Range: 3.04%, 3.39%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Arkansas average 12-month CD APY in our database.

Spread model: The Arkansas 12-month CD average currently trades 1.38% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.994% $99.70 $199.39 $498.47 $996.95
6-Month CD 2.807% $140.35 $280.69 $701.73 $1,403.45
12-Month CD 2.993% $149.63 $299.26 $748.15 $1,496.30
18-Month CD 3.103% $155.16 $310.32 $775.80 $1,551.60
24-Month CD 2.923% $146.14 $292.27 $730.68 $1,461.35
36-Month CD 2.701% $135.05 $270.09 $675.22 $1,350.45
48-Month CD 2.776% $138.82 $277.64 $694.10 $1,388.20
60-Month CD 3.014% $150.71 $301.41 $753.53 $1,507.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Arkansas Savers

$25,000 split equally across 5 terms using today’s Arkansas average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit AR Avg APY Annual Earnings
1 3-Month CD $5,000 1.994% $99.70
2 6-Month CD $5,000 2.807% $140.35
3 12-Month CD $5,000 2.993% $149.63
4 24-Month CD $5,000 2.923% $146.14
5 36-Month CD $5,000 2.701% $135.05
Total ($25,000 invested) $25,000 2.683% blended $670.87/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.

Powered byMonitorBankRates
365
CD Rates
Tracked in Arkansas
20 Banks 28 Credit Unions

About Our Arkansas CD Rate Database

MonitorBankRates tracks 365 CD rates from 20 banks and 28 credit unions with locations in Arkansas, plus national online institutions available to Arkansas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Hope Federal Credit Union Jackson, MS offers a CD at 4.95% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Arkansas.

How to Find the Best CD Rates in Arkansas

What to compare when shopping for a CD in Arkansas

To find the best APYs in Arkansas, start with credit unions and online-only banks: Arkansas has 28 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Arkansas

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Arkansas: 48 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Arkansas savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Arkansas money market rates

Arkansas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
17.6%
National avg: 17.3%
Median Individual Earnings
$39,422
National avg: $47,340
Poverty Rate
16.0%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$118/yr
At AR 12-mo avg 2.993% 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 2.993%, 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 Arkansas

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Arkansas

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Arkansas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Arkansas as everywhere in the U.S.

Choosing a CD Term in Arkansas

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Arkansas savers easier access to their funds. For example, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate 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 60 Month Share Certificates (CDs) - Jumbo at 4.95% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Arkansas Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Arkansas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Arkansas

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Arkansas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Arkansas

Most CDs carry a fixed rate that is locked for the entire term, protecting a Arkansas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Arkansas

Are CD rates in Arkansas FDIC insured?

Yes, most established banks in Arkansas are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Arkansas?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Arkansas.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Arkansas may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Arkansas?

Here are recent top rates found for this area:
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Share Certificates (CDs) - Jumbo)
  • 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 (Certificate of Deposit - Special Offering - 12 Months)
  • 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 Arkansas. Last Updated: October 13, 2026

Arkansas CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Arkansas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Arkansas CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Arkansas. Averages shown use the Arkansas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Arkansas

Arkansas CD Calculator

At today’s AR top rate of 4.95% APY, a $10,000 deposit earns $495 in the first year. Enter your amount to see your exact return.

Arkansas CD Ladder

AR CD rates currently range from 1.994% (3-month) to 2.701% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Arkansas CD at 4.95% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Arkansas’s average 12-month CD is 2.993% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arkansas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Arkansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Arkansas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AR.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

Arkansas Rates & Resources

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Cities in Arkansas

  • Adona
  • Alco
  • Alexander
  • Alicia
  • Alix
  • Alleene
  • Allport
  • Alma
  • Almyra
  • Alpena
  • Alpine
  • Altheimer
  • Altus
  • Amagon
  • Amity
  • Anthonyville
  • Antoine
  • Arkadelphia
  • Arkansas City
  • Armorel
  • Ash Flat
  • Ashdown
  • Atkins
  • Aubrey
  • Augusta
  • Austin
  • Avoca
  • Bald Knob
  • Banks
  • Barling
  • Barton
  • Bassett
  • Bates
  • Batesville
  • Bauxite
  • Bay
  • Bearden
  • Beaver
  • Bee Branch
  • Beebe
  • Beech Grove
  • Beedeville
  • Beirne
  • Bella Vista
  • Bellefonte
  • Belleville
  • Ben Lomond
  • Benton
  • Bentonville
  • Bergman
  • Berryville
  • Bexar
  • Big Flat
  • Bigelow
  • Biggers
  • Birdeye
  • Birdsong
  • Biscoe
  • Bismarck
  • Black Oak
  • Black Rock
  • Black Springs
  • Blevins
  • Blue Eye
  • Blue Mountain
  • Bluff City
  • Bluffton
  • Blytheville
  • Board Camp
  • Bodcaw
  • Boles
  • Bonanza
  • Bonnerdale
  • Bono
  • Booneville
  • Boswell
  • Bradford
  • Bradley
  • Branch
  • Briarcliff
  • Brickeys
  • Briggsville
  • Brinkley
  • Brockwell
  • Brookland
  • Bryant
  • Buckner
  • Bull Shoals
  • Burdette
  • Cabot
  • Caddo Gap
  • Caddo Valley
  • Caldwell
  • Cale
  • Calico Rock
  • Calion
  • Camden
  • Cammack Village
  • Camp
  • Campbell Station
  • Canehill
  • Caraway
  • Carlisle
  • Carthage
  • Casa
  • Cash
  • Casscoe
  • Caulksville
  • Cave City
  • Cave Springs
  • Cecil
  • Cedarville
  • Center Ridge
  • Centerton
  • Centerville
  • Central City
  • Charleston
  • Charlotte
  • Cherokee Village
  • Cherry Valley
  • Chester
  • Chidester
  • Choctaw
  • Clarendon
  • Clarkedale
  • Clarkridge
  • Clarksville
  • Cleveland
  • Clinton
  • Coal Hill
  • College Station
  • Colt
  • Columbus
  • Combs
  • Compton
  • Concord
  • Conway
  • Cord
  • Corinth
  • Corning
  • Cotter
  • Cotton Plant
  • Cove
  • Coy
  • Crawfordsville
  • Crocketts Bluff
  • Crossett
  • Crumrod
  • Curtis
  • Cushman
  • Daisy
  • Damascus
  • Danville
  • Dardanelle
  • Datto
  • De Queen
  • De Valls Bluff
  • De Witt
  • Decatur
  • Deer
  • Delaplaine
  • Delaware
  • Delight
  • Dell
  • Dennard
  • Denning
  • Dermott
  • Des Arc
  • Desha
  • Diamond City
  • Diaz
  • Dierks
  • Doddridge
  • Dolph
  • Donaldson
  • Dover
  • Drasco
  • Driver
  • Dumas
  • Dyer
  • Dyess
  • Earle
  • East Camden
  • Edgemont
  • Edmondson
  • Egypt
  • El Dorado
  • El Paso
  • Elaine
  • Elizabeth
  • Elkins
  • Elm Springs
  • Emerson
  • Emmet
  • England
  • Enola
  • Ethel
  • Etowah
  • Eudora
  • Eureka Springs
  • Evansville
  • Evening Shade
  • Everton
  • Fairfield Bay
  • Fargo
  • Farmington
  • Fayetteville
  • Felsenthal
  • Fifty Six
  • Fisher
  • Flippin
  • Floral
  • Fordyce
  • Foreman
  • Forrest City
  • Fort Smith
  • Fouke
  • Fountain Hill
  • Fountain Lake
  • Fourche
  • Fox
  • Franklin
  • Fredonia (Biscoe)
  • Frenchmans Bayou
  • Friendship
  • Fulton
  • Gamaliel
  • Garfield
  • Garland
  • Garland City
  • Garner
  • Gassville
  • Gateway
  • Genoa
  • Gentry
  • Georgetown
  • Gepp
  • Gilbert
  • Gillett
  • Gillham
  • Gilmore
  • Glencoe
  • Glenwood
  • Goodwin
  • Goshen
  • Gosnell
  • Gould
  • Grady
  • Grannis
  • Grapevine
  • Gravelly
  • Gravette
  • Green Forest
  • Greenbrier
  • Greenland
  • Greenway
  • Greenwood
  • Greers Ferry
  • Gregory
  • Griffithville
  • Grubbs
  • Guion
  • Gum Springs
  • Gurdon
  • Guy
  • Hackett
  • Hagarville
  • Hamburg
  • Hampton
  • Hardy
  • Harrell
  • Harriet
  • Harrisburg
  • Harrison
  • Hartford
  • Hartman
  • Harvey
  • Haskell
  • Hasty
  • Hatfield
  • Hattieville
  • Hatton
  • Havana
  • Haynes
  • Hazen
  • Heber Springs
  • Hector
  • Helena
  • Helena-West Helena
  • Henderson
  • Henning
  • Hensley
  • Hermitage
  • Heth
  • Hickory Plains
  • Hickory Ridge
  • Higden
  • Higginson
  • Highfill
  • Highland
  • Hindsville
  • Hiwasse
  • Holiday Island
  • Holland
  • Holly Grove
  • Hope
  • Horatio
  • Horseshoe Bend
  • Horseshoe Lake
  • Hot Springs
  • Hot Springs Village
  • Houston
  • Howell
  • Hoxie
  • Hughes
  • Humnoke
  • Humphrey
  • Hunter
  • Huntington
  • Huntsville
  • Huttig
  • Ida
  • Imboden
  • Ivan
  • Jacksonport
  • Jacksonville
  • Jasper
  • Jefferson
  • Jennette
  • Jennie
  • Jericho
  • Jerome
  • Jersey
  • Jerusalem
  • Jessieville
  • Johnson
  • Joiner
  • Jones Mill
  • Jonesboro
  • Judsonia
  • Junction City
  • Keiser
  • Kensett
  • Keo
  • Kibler
  • Kingsland
  • Kingston
  • Kirby
  • Knobel
  • Knoxville
  • La Grange
  • Lafe
  • Lake City
  • Lake Village
  • Lakeview
  • Lamar
  • Lambrook
  • Laneburg
  • Langley
  • Lavaca
  • Lawson
  • Leachville
  • Lead Hill
  • Leola
  • Lepanto
  • Leslie
  • Letona
  • Lewisville
  • Lexa
  • Light
  • Lincoln
  • Little Flock
  • Little Rock
  • Lockesburg
  • Locust Grove
  • London
  • Lonoke
  • Lonsdale
  • Louann
  • Lowell
  • Luxora
  • Lynn
  • Mabelvale
  • Madison
  • Magazine
  • Magness
  • Magnolia
  • Malvern
  • Mammoth Spring
  • Manila
  • Mansfield
  • Marble Falls
  • Marcella
  • Marianna
  • Marie
  • Marion
  • Marked Tree
  • Marmaduke
  • Marshall
  • Marvell
  • Maumelle
  • Mayflower
  • Maynard
  • Maysville
  • McCaskill
  • McCrory
  • McDougal
  • McGehee
  • McNab
  • McNeil
  • McRae
  • Melbourne
  • Mellwood
  • Mena
  • Menifee
  • Midland
  • Midway
  • Mineral Springs
  • Minturn
  • Mitchellville
  • Moko
  • Monette
  • Monroe
  • Monticello
  • Montrose
  • Moorefield
  • Moro
  • Morrilton
  • Morrison Bluff
  • Morrow
  • Moscow
  • Mount Holly
  • Mount Ida
  • Mount Judea
  • Mount Pleasant
  • Mount Vernon
  • Mountain Home
  • Mountain Pine
  • Mountain View
  • Mountainburg
  • Mulberry
  • Murfreesboro
  • Nashville
  • Natural Dam
  • New Blaine
  • New Edinburg
  • Newark
  • Newhope
  • Newport
  • Nimmons
  • Norfork
  • Norman
  • Norphlet
  • North Little Rock
  • O Kean
  • Oak Grove
  • Oak Grove Heights
  • Oakhaven
  • Oakland
  • Oark
  • Oden
  • Ogden
  • Oil Trough
  • Okolona
  • Ola
  • Omaha
  • Oneida
  • Onia
  • Oppelo
  • Osceola
  • Oxford
  • Ozan
  • Ozark
  • Ozone
  • Palestine
  • Pangburn
  • Paragould
  • Paris
  • Parkdale
  • Parkin
  • Parks
  • Paron
  • Parthenon
  • Patmos
  • Patterson
  • Pea Ridge
  • Peach Orchard
  • Pearcy
  • Peel
  • Pelsor
  • Pencil Bluff
  • Perla
  • Perry
  • Perrytown
  • Perryville
  • Pettigrew
  • Pickens
  • Piggott
  • Pindall
  • Pine Bluff
  • Pineville
  • Plainview
  • Pleasant Grove
  • Pleasant Plains
  • Plumerville
  • Pocahontas
  • Pollard
  • Ponca
  • Poplar Grove
  • Portia
  • Portland
  • Pottsville
  • Poughkeepsie
  • Powhatan
  • Poyen
  • Prairie Grove
  • Prattsville
  • Prescott
  • Prim
  • Proctor
  • Protem
  • Pyatt
  • Quitman
  • Ratcliff
  • Ravenden
  • Ravenden Springs
  • Rector
  • Redfield
  • Reed
  • Reydell
  • Reyno
  • Ripley
  • Rison
  • Rivervale
  • Rockport
  • Roe
  • Rogers
  • Roland
  • Romance
  • Rondo
  • Rose Bud
  • Rosie
  • Rosston
  • Rover
  • Royal
  • Rudy
  • Russell
  • Russellville
  • Saffell
  • Sage
  • Saint Charles
  • Saint Francis
  • Saint Joe
  • Saint Paul
  • Salado
  • Salem
  • Salesville
  • Saratoga
  • Scotland
  • Scott
  • Scranton
  • Searcy
  • Sedgwick
  • Shannon Hills
  • Sheridan
  • Sherrill
  • Sherwood
  • Shirley
  • Sidney
  • Siloam Springs
  • Sims
  • Smackover
  • Smithville
  • Snow Lake
  • Solgohachia
  • South Lead Hill
  • Southside
  • Sparkman
  • Springdale
  • Springfield
  • Springtown
  • Stamps
  • Star City
  • State University
  • Stephens
  • Story
  • Strawberry
  • Strong
  • Sturkie
  • Stuttgart
  • Subiaco
  • Success
  • Sulphur Rock
  • Sulphur Springs
  • Summers
  • Summit
  • Sunset
  • Sweet Home
  • Swifton
  • Taylor
  • Texarkana
  • Theodosia
  • Thida
  • Thornton
  • Tichnor
  • Tillar
  • Tilly
  • Timbo
  • Tinsman
  • Tollette
  • Tomato
  • Tontitown
  • Traskwood
  • Trumann
  • Tucker
  • Tuckerman
  • Tull
  • Tumbling Shoals
  • Tupelo
  • Turner
  • Turrell
  • Twin Groves
  • Twist
  • Tyronza
  • Ulm
  • Umpire
  • Uniontown
  • Urbana
  • Valley Springs
  • Van Buren
  • Vandervoort
  • Vanndale
  • Vendor
  • Victoria
  • Village
  • Vilonia
  • Viola
  • Violet Hill
  • Wabash
  • Wabbaseka
  • Walcott
  • Waldenburg
  • Waldo
  • Waldron
  • Walnut Ridge
  • Ward
  • Warm Springs
  • Warren
  • Washington
  • Watson
  • Weiner
  • Weldon
  • Wesley
  • West Fork
  • West Helena
  • West Memphis
  • West Point
  • West Ridge
  • Western Grove
  • Wheatley
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