Mountain Home, Arkansas CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
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Current Mountain Home, Arkansas CD rates include Baxter Credit UnionBaxter Credit Union1900 Highway 201 N, Mountain Home, AR 72653A5.0 ★Texas Ratio: 7.04%Real return: +0.50%APY minus CPI (February 2026) offering 18-month term at 3.30% APY, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.66%Real return: +1.20%APY minus CPI (February 2026) offering 18 month at 4.00% APY, McGehee BankMcGehee BankA+5.0 ★Texas Ratio: 0.38%Real return: +1.20%APY minus CPI (February 2026) offering 12-month CD at 4.00% APY, Red River Employees Federal Credit UnionRed River Employees Federal Credit UnionA+5.0 ★Texas Ratio: 4.81%Real return: +1.15%APY minus CPI (February 2026) offering 6 Month TEAL Certificate (Age 0-17) at 3.95% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionB4.4 ★Texas Ratio: 17.71%Real return: +1.11%APY minus CPI (February 2026) offering 18-Month Variable at 3.91% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Mountain Home has 12 local institutions in our database, with CD rates as high as 3.30% APY from Baxter Credit Union at 1900 Highway 201 N, Mountain Home, AR 72653. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Arkansas area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 16, 2026
Compare Best CD Rates in Mountain Home, Arkansas & the Surrounding Area
Mountain Home 3 Month CD Rates
Deposit amount and interest rate is "locked" for the term amount. Automatically renews for 90 days
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Mountain Home 6 Month CD Rates
For kids and Teens (age 0-17). Compounded monthly.
Deposit amount and interest rate is "locked" for the term amount. Automatically renews for 6 months. Maximum online account opening deposit is $25,000.
$1000 Minimum $99999 Maximum Early withdrawal penalty :
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Mountain Home 12 Month CD Rates
Minimum balance to earn APY: $100,000
Rates for the 12 Month Bump CD can be raised once anytime and renewed for another 12 months.
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Deposit amount and interest rate is "locked" for the term amount. Automatically renews for 1 Year. Maximum online account opening deposit is $25,000.
As low as; Rates effective as of 04/01/2025
$1000 Minimum $99999 Maximum Penalty for early withdrawal
Mountain Home 18 Month CD Rates
Minimum balance to earn APY: $100,000
Mountain Home 24 Month CD Rates
Lock in 3.50% APY*
Minimum balance to earn APY: $100,000
Early withdrawal penalty 120 days
Deposit amount and interest rate is "locked" for the term amount. Automatically renews for 2 years. Maximum online account opening deposit is $25,000.
Mountain Home 36 Month CD Rates
Minimum balance to earn APY: $100,000
Minimum balance to earn APY: $100,000
Early withdrawal penalty 182 days
Deposit amount and interest rate is "locked" for the term amount. Automatically renews for 3 years. Maximum online account opening deposit is $25,000.
Mountain Home 48 Month CD Rates
Minimum balance to earn APY: $100,000
Mountain Home 60 Month CD Rates
Minimum balance to earn APY: $100,000
Rates for the 60 Month Bump CD can be raised 3 times during the 5-year term.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Mountain Home, AR CD Rate Trends
Compare local Mountain Home, AR CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Arkansas 12-month CD rates rose 0.163 points over the past 7 days to 2.766% APY.
Arkansas 6-month CD rates rose 0.094 points over the past 7 days to 3.078% APY.
AR CD Rate Forecast — Next 12 Months
Where are Arkansas CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.150% | $107.52 | $215.03 | $537.58 | $1,075.15 |
| 6-Month CD | 3.078% | $153.89 | $307.78 | $769.45 | $1,538.90 |
| 12-Month CD | 2.766% | $138.28 | $276.56 | $691.40 | $1,382.80 |
| 18-Month CD | 3.248% | $162.38 | $324.75 | $811.88 | $1,623.75 |
| 24-Month CD | 2.709% | $135.47 | $270.94 | $677.35 | $1,354.70 |
| 36-Month CD | 2.623% | $131.15 | $262.30 | $655.75 | $1,311.50 |
| 48-Month CD | 3.066% | $153.32 | $306.63 | $766.58 | $1,533.15 |
| 60-Month CD | 3.116% | $155.78 | $311.55 | $778.88 | $1,557.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Mountain Home, Arkansas Savers
$25,000 split equally across 5 terms using today’s Arkansas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AR Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.150% | $107.52 |
| 2 | 6-Month CD | $5,000 | 3.078% | $153.89 |
| 3 | 12-Month CD | $5,000 | 2.766% | $138.28 |
| 4 | 24-Month CD | $5,000 | 2.709% | $135.47 |
| 5 | 36-Month CD | $5,000 | 2.623% | $131.15 |
| Total ($25,000 invested) | $25,000 | 2.665% blended | $666.31/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.
Tracked in Mountain Home, Arkansas
About Our Mountain Home, Arkansas CD Rate Database
MonitorBankRates tracks 116 CD rates from 7 banks and 18 credit unions with locations in Mountain Home, Arkansas, plus national online institutions available to Arkansas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Baxter Credit Union offers a CD at 3.30% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Mountain Home, Arkansas.
How to Find the Best CD Rates in Mountain Home, Arkansas
What to compare when shopping for a CD in Mountain Home, Arkansas
To find the best APYs in Mountain Home, Arkansas, start with credit unions and online-only banks — Mountain Home, Arkansas has 18 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 Mountain Home, 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 Mountain Home, Arkansas — 25 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Mountain Home, Arkansas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Mountain Home, Arkansas money market rates
Mountain Home, Arkansas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
33.0% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market; an unemployment rate of 7.3% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s AR 12-month CD average of 2.766%, saving 10% of the local median salary ($2,994/year) and putting it in a CD would earn an additional $83 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 Mountain Home, Arkansas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Mountain Home, 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 Mountain Home, 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 Mountain Home, Arkansas as everywhere in the U.S.
Choosing a CD Term in Mountain Home, 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 Mountain Home, Arkansas savers easier access to their funds. For example, Red River Employees Federal Credit Union is offering its 6 Month TEAL Certificate (Age 0-17) at 3.95% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Baxter Credit Union is offering its 60-month term at 3.10% 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 Mountain Home, 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 Mountain Home, 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 Mountain Home, 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 Mountain Home, 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 Mountain Home, Arkansas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Mountain Home, 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 Mountain Home, Arkansas
Are CD rates in Mountain Home, Arkansas FDIC insured?
Do I have to pay state taxes on CD interest in Mountain Home, Arkansas?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Mountain Home, Arkansas?
- Baxter Credit Union: 3.30% APY (18-month term)
- Mercy Credit Union: 4.00% APY (18 month)
- McGehee Bank: 4.00% APY (12-month CD)
- Red River Employees Federal Credit Union: 3.95% APY (6 Month TEAL Certificate (Age 0-17))
- UNIFY Financial Federal Credit Union: 3.91% APY (18-Month Variable)
- MilWay Federal Credit Union: 3.90% APY (Share/IRA Certificates - 6 Months)
- First National Bank of Eastern Arkansas: 3.80% APY (6 Month CD)
- Unico Bank: 3.56% APY (6 MO)
- Arkansas Best Federal Credit Union: 3.56% APY (12 Month)
- Academy Bank: 3.55% APY (12-Month)
CD Calculators for Mountain Home, Arkansas
At today’s AR top rate of 3.30% APY, a $10,000 deposit earns $330 in the first year. Enter your amount to see your exact return.
Mountain Home, Arkansas CD LadderAR CD rates currently range from 2.150% (3-month) to 2.623% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mountain Home, Arkansas CD at 3.30% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsArkansas’s average 12-month CD is 2.766% 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 Mountain Home, 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 Mountain Home, 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 Mountain Home, 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.
Mountain Home, Arkansas Rates & Resources
