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CD Rate Trends

Reed, Arkansas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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 12, 2026

Reed, Arkansas CD rates from banks and credit unions serving Arkansas range from 0.05% to 4.95% APY, verified by MonitorBankRates as of October 12, 2026. Current Reed, Arkansas CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering 60 Month Jumbo Share Certificates (CDs) at 4.95% APY, TruService Community Federal Credit UnionTruService Community Federal Credit UnionA+5.0 ★Texas Ratio: 3.95%Real return: +1.70%APY minus CPI (February 2026) offering Jumbo Share and IRA Certificate - Fixed (18 months) at 4.50% APY, Academy BankAcademy BankA+5.0 ★Texas Ratio: 5.08%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month Certificate of Deposit at 4.40% APY, Red River Employees Federal Credit UnionRed River Employees Federal Credit UnionA+5.0 ★Texas Ratio: 4.75%Real return: +1.53%APY minus CPI (February 2026) offering 6 Month TEAL Certificate at 4.33% APY, and Producers Bank & TrustProducers Bank & TrustA+5.0 ★Texas Ratio: 0.00%Real return: +1.45%APY minus CPI (February 2026) offering 12-month CD at 4.25% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Reed is a smaller community with no bank or credit union branches currently in our database. 341 institutions serving the Arkansas area are available to Reed residents, with CD rates as high as 4.95% APY from Hope Federal Credit Union Jackson, MS. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 12, 2026

Compare Best CD Rates in Reed, Arkansas & the Surrounding Area

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Reed 3 Month CD Rates

Arkansas 3 Month CD Average1.99% APYNational 2.09%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00% ▲ 2.01% 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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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

Reed 6 Month CD Rates

Arkansas 6 Month CD Average2.81% APYNational 2.78%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month TEAL Certificate
$250
4.33% ▲ 1.52% 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%
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%
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%
6 Months Certificate
$0
4.07% ▲ 1.26% above Arkansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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%
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%
6 Month Share Certificate
$0
4.00% ▲ 1.19% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▲ 1.19% above avgNationally 2.78%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Share/IRA Certificates - 6 Months
$0
3.90% ▲ 1.09% above Arkansas avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.81%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 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%
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%
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%
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%
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%
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%
Shared Certificate - 6 Months
$500
3.52% ▲ 0.71% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 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
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%
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%
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%
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%
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%
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%
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%
6 Month Share Certificate
$0
3.40% ▲ 0.59% above Arkansas avg
View
▼
Rate3.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▲ 0.59% above avgNationally 2.78%
Details

RATE range: 3.37% - Dividend

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 13, 2026
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 Month Regular Certificates
$0
3.40% ▲ 0.59% above Arkansas avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▲ 0.59% above avgNationally 2.78%
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
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
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%
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%
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%
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 9, 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 7 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%
6-Month Share Certificate
$0
3.00% ▲ 0.19% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▲ 0.19% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 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%
Share Certificate (CD) - 6 month
$0
3.00% ▲ 0.19% above Arkansas avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▲ 0.19% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 9, 2026: 3.00% APYOct 9, 2026Oct 13, 2026
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
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%
6 Month Certificate Special
$500
2.78% ▼ 0.03% below Arkansas avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▼ 0.03% below avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 5, 2026: 2.78% APYOct 5, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
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%
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%
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%
6-Month Share Certificate
$0
2.00% ▼ 0.81% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▼ 0.81% below avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 6 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%
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%
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%
Jumbo Share and IRA Certificate - Fixed (6 mo.)
$100,000
1.55% ▼ 1.26% below Arkansas avg
View
▼
Rate1.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▼ 1.26% below avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 1.55% APY · checked 3 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%
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%
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%
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%
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%
6-Month CD
$500
1.31% ▼ 1.50% below Arkansas avg
View
▼
Rate1.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▼ 1.50% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 7 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Share and IRA Certificate - Fixed (6 mo.)
$1,000
1.30% ▼ 1.51% below Arkansas avg
View
▼
Rate1.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.81%▼ 1.51% below avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 1.30% APY · checked 3 times
0.80%1.30%1.80%Sep 29, 2026: 1.30% APYSep 29, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
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%
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
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
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%
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6 month Standard Interest 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; 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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6 month Standard Fixed Rate
$2,500
0.05% ▼ 2.76% below Arkansas avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Arkansas Average2.81%▼ 2.76% below avgNationally 2.78%
Details

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

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026

Reed 12 Month CD Rates

Arkansas 12 Month CD Average2.99% APYNational 2.99%▲ 0.05% from last week
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%
12 Month Jumbo Share Certificates (CDs)
$0
4.53% ▲ 1.54% above Arkansas avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 1.54% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.07% → 4.53% ▲ 0.46 pts · high 4.53% / low 4.07%
3.57%4.30%5.03%Sep 18, 2026: 4.07% APYOct 9, 2026: 4.53% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.53%▲ from 4.07%
  • Sep 18, 20264.07%first recorded
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
IRA Certificate 12 Months
$500
4.33% ▲ 1.34% 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%
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%
12 Month Certificate of Deposit -Special Offering
$0
4.25% ▲ 1.26% above Arkansas avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.99%▲ 1.26% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY
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%
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%
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%
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%
12 Months Certificate
$0
4.07% ▲ 1.08% above Arkansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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%
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%
12 Month Share Certificate
$0
4.00% ▲ 1.01% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 1.01% above avgNationally 2.99%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
12 Month IRA Share Certificate
$500
3.85% ▲ 0.86% above Arkansas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 0.86% above avgNationally 2.99%
Details

RATE range: 3.80% - Dividend

Rate History
No change since Oct 5, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 5, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
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 9, 2026
Arkansas Average2.99%▲ 0.86% above avgNationally 2.99%
Details

RATE range: 3.80% - Dividend

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Share/IRA Certificates - 12 Months
$0
3.85% ▲ 0.86% above Arkansas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.99%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 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%
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%
12 Month Share Certificate
$0
3.75% ▲ 0.76% above Arkansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 0.76% above avgNationally 2.99%
Details

RATE range: 3.70 % - Dividend

Rate History
1 change since Sep 21, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 21, 2026: 3.70% APYOct 5, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.70%
  • Sep 21, 20263.70%first recorded
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Month Regular Certificates
$0
3.70% ▲ 0.71% above Arkansas avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
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%
Shared Certificate - 12 Months
$500
3.62% ▲ 0.63% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 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
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%
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%
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%
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%
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%
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%
12-Month Share Certificate
$0
3.50% ▲ 0.51% above Arkansas avg
View
▼
Rate3.50%
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 7 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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
1-Year Share Certificate
$0
3.25% ▲ 0.26% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 0.26% above avgNationally 2.99%
Details

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
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificates (CDs) - 12-Month
$0
3.04% ▲ 0.05% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 0.05% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 9, 2026: 3.05% APYOct 9, 2026Oct 13, 2026
UARK Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12 Month Certificate Special
$500
3.04% ▲ 0.05% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▲ 0.05% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
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%
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%
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%
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%
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%
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%
12 Month IRA Certificate
$0
2.75% ▼ 0.24% below Arkansas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▼ 0.24% below avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 5, 2026: 2.75% APYOct 5, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificate (CD) - 12 month
$0
2.75% ▼ 0.24% below Arkansas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▼ 0.24% below avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 9, 2026: 2.75% APYOct 9, 2026Oct 13, 2026
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
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%
Jumbo Share and IRA Certificate - Fixed (1 year)
$100,000
2.50% ▼ 0.49% below Arkansas avg
View
▼
Rate2.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▼ 0.49% below avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 2.50% APY · checked 3 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%
Share and IRA Certificate - Fixed (1 year)
$1,000
2.25% ▼ 0.74% below Arkansas avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.99%▼ 0.74% below avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 29, 2026: 2.25% APYSep 29, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
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%
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
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
1 Year Share Certificate of Deposit
$1,000
1.85% ▼ 1.14% below Arkansas avg
View
▼
Rate1.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.99%▼ 1.14% below avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 1.85% APY
1.35%1.85%2.35%Oct 5, 2026: 1.85% APYOct 5, 2026Oct 13, 2026

Reed 18 Month CD Rates

Arkansas 18 Month CD Average3.10% APYNational 2.87%▲ 0.06% from last week
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%
Jumbo Share and IRA Certificate - Fixed (18 months)
$100,000
4.50% ▲ 1.40% above Arkansas avg
View
▼
Rate4.43%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.10%▲ 1.40% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 4.50% APY · checked 3 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%
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%
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%
Share and IRA Certificate - Fixed (18 months)
$1,000
4.25% ▲ 1.15% above Arkansas avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 3 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%
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%
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%
18 Month Regular Certificates
$0
3.90% ▲ 0.80% above Arkansas avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.10%▲ 0.80% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Share/IRA Certificates - 18 Months
$0
3.80% ▲ 0.70% above Arkansas avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average3.10%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 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%
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%
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%
18 Month CD
$500
3.75% ▲ 0.65% above Arkansas avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.10%▲ 0.65% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 1.46% → 3.75% ▲ 2.29 pts · high 3.75% / low 1.46%
0.00%3.02%6.04%Sep 14, 2026: 1.46% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 1.46%
  • Sep 14, 20261.46%first recorded
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
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%
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%
Share Certificate (CD) - 18 month
$0
3.50% ▲ 0.40% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.10%▲ 0.40% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
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%
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%
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%
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%
Shared Certificate - 18 Months
$500
3.25% ▲ 0.15% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 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
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%
18 Month Certificate Special
$500
3.04% ▼ 0.06% below Arkansas avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.10%▼ 0.06% below avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
IRA 18-Month Certificate
$0
2.87% ▼ 0.23% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.10%▼ 0.23% below avgNationally 2.87%
Details

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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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
Priority Bank
Institution Rating:
C+4.1 ★Texas Ratio: 25.90%
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%
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
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
18 Month Share Certificate
$0
0.26% ▼ 2.84% below Arkansas avg
View
▼
Rate0.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.10%▼ 2.84% below avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 0.75% → 0.26% ▼ 0.49 pts · high 0.75% / low 0.26%
0.00%0.63%1.25%Sep 14, 2026: 0.75% APYOct 9, 2026: 0.26% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20260.26%▼ from 0.75%
  • Sep 14, 20260.75%first recorded

Reed 24 Month CD Rates

Arkansas 24 Month CD Average2.92% APYNational 2.88%▲ 0.08% from last week
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%
24 Month Jumbo Share Certificates (CDs)
$0
4.82% ▲ 1.90% above Arkansas avg
View
▼
Rate4.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▲ 1.90% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.82% ▲ 0.54 pts · high 4.82% / low 4.28%
3.74%4.55%5.37%Sep 18, 2026: 4.28% APYOct 9, 2026: 4.82% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.82%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
24 Month Certificate of Deposit -Special Offering
$0
4.25% ▲ 1.33% above Arkansas avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.92%▲ 1.33% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY
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%
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%
24 Month CD
$500
4.15% ▲ 1.23% above Arkansas avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 1.51% → 4.15% ▲ 2.64 pts · high 4.15% / low 1.51%
0.00%3.40%6.79%Sep 14, 2026: 1.51% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 1.51%
  • Sep 14, 20261.51%first recorded
First Service Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
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%
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%
Share/IRA Certificates - 24 Months
$0
3.75% ▲ 0.83% above Arkansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.92%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 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%
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%
24 Month Regular Certificates
$0
3.65% ▲ 0.73% above Arkansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
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%
24 Months Certificate
$0
3.56% ▲ 0.64% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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%
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%
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%
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%
24 Month Share Certificate
$0
3.50% ▲ 0.58% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▲ 0.58% above avgNationally 2.88%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 17, 2026: 3.50% APYSep 17, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificate (CD) - 24 month
$0
3.50% ▲ 0.58% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▲ 0.58% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
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%
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%
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%
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%
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%
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%
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 9, 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 7 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%
Shared Certificate - 24 Months
$500
3.25% ▲ 0.33% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 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
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%
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%
24 Month Certificate Special
$500
3.04% ▲ 0.12% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▲ 0.12% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
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%
2-Year Share Certificate
$0
3.00% ▲ 0.08% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▲ 0.08% above avgNationally 2.88%
Details

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
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificates (CDs) - 24-Month
$0
2.87% ▼ 0.05% below Arkansas avg
View
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▼ 0.05% below avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 2.87% APY
2.37%2.87%3.37%Oct 9, 2026: 2.87% APYOct 9, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Jumbo Share and IRA Certificate - Fixed (2 year)
$100,000
2.65% ▼ 0.27% below Arkansas avg
View
▼
Rate2.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▼ 0.27% below avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 2.65% APY · checked 3 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%
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%
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%
24 Month IRA Share Certificate
$500
2.52% ▼ 0.40% below Arkansas avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▼ 0.40% below avgNationally 2.88%
Details

RATE range: 2.50% - Dividend

Rate History
No change since Oct 5, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 5, 2026: 2.52% APYOct 5, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
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 9, 2026
Arkansas Average2.92%▼ 0.40% below avgNationally 2.88%
Details

RATE range: 2.50% - Dividend

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 13, 2026
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
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%
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%
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%
Share and IRA Certificate - Fixed (2 year)
$1,000
2.40% ▼ 0.52% below Arkansas avg
View
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▼ 0.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 2.40% APY · checked 3 times
1.90%2.40%2.90%Sep 29, 2026: 2.40% APYSep 29, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
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%
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%
24 Month IRA Certificate
$0
2.25% ▼ 0.67% below Arkansas avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▼ 0.67% below avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 5, 2026: 2.25% APYOct 5, 2026Oct 13, 2026
Americas First Network Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
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%
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%
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%
2 Year Share Certificate of Deposit
$1,000
2.20% ▼ 0.72% below Arkansas avg
View
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.92%▼ 0.72% below avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 2.20% APY
1.70%2.20%2.70%Oct 5, 2026: 2.20% APYOct 5, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
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%
24 Month Share Certificate
$0
2.02% ▼ 0.90% below Arkansas avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.92%▼ 0.90% below avgNationally 2.88%
Details

RATE range: 2.00% - Dividend

Rate History
No change since Oct 5, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 5, 2026: 2.02% APYOct 5, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
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%
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%
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

Reed 36 Month CD Rates

Arkansas 36 Month CD Average2.70% APYNational 2.81%▲ 0.07% from last week
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%
36 Month Jumbo Share Certificates (CDs)
$0
4.93% ▲ 2.23% above Arkansas avg
View
▼
Rate4.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▲ 2.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.93% ▲ 0.57 pts · high 4.93% / low 4.35%
3.78%4.64%5.50%Sep 18, 2026: 4.35% APYOct 9, 2026: 4.93% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.93%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
36 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.55% 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%
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%
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%
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%
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%
36 Month Regular Certificates
$0
3.65% ▲ 0.95% above Arkansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▲ 0.95% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
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%
36 Months Certificate
$0
3.56% ▲ 0.86% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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%
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%
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%
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%
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%
Share Certificate (CD) - 36 month
$0
3.50% ▲ 0.80% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
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%
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%
Shared Certificate - 36 Months
$500
3.25% ▲ 0.55% above Arkansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 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
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%
36 Month Share Certificate
$0
3.25% ▲ 0.55% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▲ 0.55% above avgNationally 2.81%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 17, 2026: 3.25% APYSep 17, 2026Oct 13, 2026
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.16%
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%
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%
36 Month Certificate Special
$500
3.04% ▲ 0.34% above Arkansas avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▲ 0.34% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3-Year Share Certificate
$0
3.00% ▲ 0.30% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▲ 0.30% above avgNationally 2.81%
Details

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
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificates (CDs) - 36-Month
$0
2.93% ▲ 0.23% above Arkansas avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▲ 0.23% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 2.93% APY
2.43%2.93%3.43%Oct 9, 2026: 2.93% APYOct 9, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
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%
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%
Jumbo Share and IRA Certificate - Fixed (3 year)
$100,000
2.65% ▼ 0.05% below Arkansas avg
View
▼
Rate2.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▼ 0.05% below avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 2.65% APY · checked 3 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%
36 Month Share Certificate
$0
2.52% ▼ 0.18% below Arkansas avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▼ 0.18% below avgNationally 2.81%
Details

RATE range: 2.50% - Dividend

Rate History
No change since Oct 5, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 5, 2026: 2.52% APYOct 5, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
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%
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%
Share and IRA Certificate - Fixed (3 year)
$1,000
2.40% ▼ 0.30% below Arkansas avg
View
▼
Rate2.38%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▼ 0.30% below avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 2.40% APY · checked 3 times
1.90%2.40%2.90%Sep 29, 2026: 2.40% APYSep 29, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
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%
3 Year Share Certificate of Deposit
$1,000
2.30% ▼ 0.40% below Arkansas avg
View
▼
Rate2.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.70%▼ 0.40% below avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 2.30% APY
1.80%2.30%2.80%Oct 5, 2026: 2.30% APYOct 5, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
36 Month IRA Share Certificate
$500
2.27% ▼ 0.43% below Arkansas avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▼ 0.43% below avgNationally 2.81%
Details

RATE range: 2.25% - Dividend

Rate History
No change since Oct 5, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 5, 2026: 2.27% APYOct 5, 2026Oct 13, 2026
Success Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
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 9, 2026
Arkansas Average2.70%▼ 0.43% below avgNationally 2.81%
Details

RATE range: 2.25% - Dividend

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Bank of 1889
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
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%
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%
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%
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%
36 Month IRA Certificate
$0
2.00% ▼ 0.70% below Arkansas avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▼ 0.70% below avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 5, 2026: 2.00% APYOct 5, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
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%
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%
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%
36 Month CD
$500
1.21% ▼ 1.49% below Arkansas avg
View
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.70%▼ 1.49% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 7 times
0.71%1.21%1.71%Sep 14, 2026: 1.21% APYSep 14, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3 Year Educ. IRA Certificate of Deposit
$1,000
1.00% ▼ 1.70% below Arkansas avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.70%▼ 1.70% below avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 5, 2026: 1.00% APYOct 5, 2026Oct 13, 2026
First Arkansas Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
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%
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%
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%
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

Reed 48 Month CD Rates

Arkansas 48 Month CD Average2.78% APYNational 2.80%▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
48 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.47% 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%
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%
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%
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%
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%
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%
48 Months Certificate
$0
3.56% ▲ 0.78% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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%
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%
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%
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%
Share Certificate (CD) - 48 month
$0
3.50% ▲ 0.72% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.78%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
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%
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%
48 Month Share Certificate
$0
3.00% ▲ 0.22% above Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.78%▲ 0.22% above avgNationally 2.80%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 17, 2026: 3.00% APYSep 17, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
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%
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%
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%
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%
4 Year Share Certificate of Deposit
$1,000
2.60% ▼ 0.18% below Arkansas avg
View
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.78%▼ 0.18% below avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 5, 2026: 2.60% APYOct 5, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
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%
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%
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%
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%
4 Year Educ. IRA Certificate of Deposit
$1,000
1.15% ▼ 1.63% below Arkansas avg
View
▼
Rate1.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average2.78%▼ 1.63% below avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 1.15% APY
0.65%1.15%1.65%Oct 5, 2026: 1.15% APYOct 5, 2026Oct 13, 2026
Clearway Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
48 Month CD
$500
1.00% ▼ 1.78% below Arkansas avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average2.78%▼ 1.78% below avgNationally 2.80%
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
Unico Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.75%
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

Reed 60 Month CD Rates

Arkansas 60 Month CD Average3.01% APYNational 2.90%▲ 0.12% from last week
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%
60 Month Jumbo Share Certificates (CDs)
$0
4.95% ▲ 1.94% above Arkansas avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.01%▲ 1.94% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.47% → 4.95% ▲ 0.48 pts · high 4.95% / low 4.47%
3.97%4.71%5.45%Sep 18, 2026: 4.47% APYOct 9, 2026: 4.95% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.95%▲ from 4.47%
  • Sep 18, 20264.47%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
60 Month Share Certificate/IRA Share Certificate
$1,000
4.25% ▲ 1.24% 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%
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%
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%
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%
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%
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%
60 Month Regular Certificates
$0
3.65% ▲ 0.64% above Arkansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.01%▲ 0.64% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
60 Months Certificate
$0
3.56% ▲ 0.55% above Arkansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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%
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%
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%
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%
Share Certificate (CD) - 60 month
$0
3.50% ▲ 0.49% above Arkansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.01%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
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%
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%
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%
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%
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%
IRA 60-Month Certificate
$0
2.94% ▼ 0.07% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.01%▼ 0.07% below avgNationally 2.90%
Details

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
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificates (CDs) - 60-Month
$0
2.94% ▼ 0.07% below Arkansas avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.01%▼ 0.07% below avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 9, 2026: 2.94% APYOct 9, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Year Share Certificate of Deposit
$1,000
2.90% ▼ 0.11% below Arkansas avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average3.01%▼ 0.11% below avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 5, 2026: 2.90% APYOct 5, 2026Oct 13, 2026
TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
Jumbo Share and IRA Certificate - Fixed (5 year)
$100,000
2.85% ▼ 0.16% below Arkansas avg
View
▼
Rate2.82%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.01%▼ 0.16% below avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 2.85% APY · checked 3 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%
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%
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%
60 Month Share Certificate
$0
2.75% ▼ 0.26% below Arkansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.01%▼ 0.26% below avgNationally 2.90%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 17, 2026: 2.75% APYSep 17, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
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%
Share and IRA Certificate - Fixed (5 year)
$1,000
2.60% ▼ 0.41% below Arkansas avg
View
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.01%▼ 0.41% below avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Sep 29, 2026: 2.60% APYSep 29, 2026Oct 13, 2026
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
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%
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%
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%
60 Month IRA Certificate
$0
1.75% ▼ 1.26% below Arkansas avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Arkansas Average3.01%▼ 1.26% below avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 5, 2026: 1.75% APYOct 5, 2026Oct 13, 2026
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
5 Year Educ. IRA Certificate of Deposit
$1,000
1.65% ▼ 1.36% below Arkansas avg
View
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 5, 2026
Arkansas Average3.01%▼ 1.36% below avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 1.65% APY
1.15%1.65%2.15%Oct 5, 2026: 1.65% APYOct 5, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
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%
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%
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 Reed, Arkansas Institutions

Highest verified APYs available today, updated October 12, 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 Jumbo Share Certificates (CDs)
A 5.0 ★ TX: 7.78%
Min: $0
4.95%
TruService Community Federal Credit Union
Jumbo Share and IRA Certificate - Fixed (18 months)
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
12 Month Certificate of Deposit -Special Offering
A+ 5.0 ★ TX: 0.18%
Min: $0
4.25%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Reed, AR CD Rate Trends

Compare local Reed, 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.

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 12, 2026.
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Sample CD Ladder for Reed, 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.

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365
CD Rates
Tracked in Reed, Arkansas
20 Banks 28 Credit Unions

About Our Reed, Arkansas CD Rate Database

MonitorBankRates tracks 365 CD rates from 20 banks and 28 credit unions with locations in Reed, 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 $0. Use the rate table above to compare all current offers in Reed, Arkansas.

How to Find the Best CD Rates in Reed, Arkansas

What to compare when shopping for a CD in Reed, Arkansas

To find the best APYs in Reed, Arkansas, start with credit unions and online-only banks: Reed, 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 Reed, 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 Reed, Arkansas: 48 institutions here report CD rates

Consider an Alternative If…

Arkansas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

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

Choosing a CD Term in Reed, 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 Reed, 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 Jumbo Share Certificates (CDs) 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 Reed, 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 Reed, 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 Reed, 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 Reed, 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 Reed, Arkansas

Most CDs carry a fixed rate that is locked for the entire term, protecting a Reed, 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 Reed, Arkansas

Are CD rates in Reed, Arkansas FDIC insured?

Yes, most established banks in Reed, 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 Reed, 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 Reed, 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 Reed, 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 Reed, Arkansas?

Here are recent top rates found for this area:
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Jumbo Share Certificates (CDs))
  • TruService Community Federal Credit Union: 4.50% APY (Jumbo Share and IRA Certificate - Fixed (18 months))
  • Academy Bank: 4.40% APY (18-Month Certificate of Deposit)
  • Red River Employees Federal Credit Union: 4.33% APY (6 Month TEAL Certificate)
  • Producers Bank & Trust: 4.25% APY (12-month CD)
  • Carter Federal Credit Union: 4.25% APY (36 Month Share Certificate/IRA Share Certificate)
  • Telcoe Federal Credit Union: 4.25% APY (12 Month Certificate of Deposit -Special Offering)
  • First Service Bank: 4.15% APY (6-Month CD)
  • Clearway Federal Credit Union: 4.15% APY (24 Month CD)
  • Arkansas Best Federal Credit Union: 4.13% APY (48 Month Share Certificate)
Rates reflect recent verified offers available in Reed, Arkansas. Last Updated: October 12, 2026

Reed, 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 Reed, 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 Reed, Arkansas CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Reed, Arkansas. Averages shown use the Arkansas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Reed, Arkansas

Reed, 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.

Reed, 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 Reed, 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 Reed, 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 Reed, 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 Reed, 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 12, 2026

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