Sparkman, Arkansas CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Sparkman, Arkansas CD rates include Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.69%Real return: +1.20%APY minus CPI (February 2026) offering 18 month Certificates of Deposit at 4.00% APY, Red River Employees Federal Credit UnionRed River Employees Federal Credit UnionA+5.0 ★Texas Ratio: 5.10%Real return: +1.15%APY minus CPI (February 2026) offering 6 Months at 3.95% APY, MilWay Federal Credit UnionMilWay Federal Credit UnionA+5.0 ★Texas Ratio: 0.02%Real return: +1.10%APY minus CPI (February 2026) offering Share/IRA Certificates - 6 Months at 3.90% APY, First National Bank of Eastern ArkansasFirst National Bank of Eastern ArkansasA+5.0 ★Texas Ratio: 3.22%Real return: +1.00%APY minus CPI (February 2026) offering 6 Month CD at 3.80% APY, and Americas First Network Credit UnionAmericas First Network Credit UnionA+5.0 ★Texas Ratio: 5.39%Real return: +0.80%APY minus CPI (February 2026) offering Standard IRA Share Certificates 12 Month at 3.60% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Sparkman is a smaller community with no bank or credit union branches currently in our database. 154 institutions serving the Arkansas area are available to Sparkman residents, with CD rates as high as 4.00% APY from Mercy Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Sparkman, Arkansas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 month Certificates of Deposit
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1 - 3 Month CD
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
3 month Certificate of Deposit
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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: 5.10%
6 Month TEAL Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
(Age 0-17)
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6-Month TEAL Certificate
$250
3.95%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 6, 2026
Details
For Kids and Teams
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 6 Month Share Certificate
$0
3.27%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6 Month Share Certificates (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6-Month Share Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
6-MONTH cD
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 6 months2
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 month Certificates of Deposit
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
6 month Certificate of Deposit
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month Share Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Months Share Certificates/CDs
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6-Month CD
$0
1.31%
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Regular CDs
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Natural State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month CD
$2,000
0.50%
▼
Rate0.50%
Min Deposit$2,000
Min Balance—
UpdatedMay 7, 2026
Details
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
6 Month Share Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$99999 Maximum Early withdrawal penalty :
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
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: 5.10%
12 Months
$0
3.88%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 12 Months
$0
3.88%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 12 Months
$0
3.86%
▼
Rate3.81%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 12 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Roth & Educational IRA Share Certificates 12 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Standard IRA Share Certificates 12 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 1 Year Jumbo Share Certificate
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12-Month Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 month Certificates of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
12 month Certificate of Deposit
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
12 month bump * Certificate of Deposit
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12 Month IRA Variable
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 1 Year Share Certificate
$0
3.28%
▼
Rate3.23%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1-Year Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
IRA Certificates 12 Months
$0
3.15%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12-Month Share Certificates
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
12 Month Share Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
12 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Open Account: $500.00
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 1 Year
$1,000
1.85%
▼
Rate1.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate Relationship
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
12 Month CD
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 12-month term
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Regular CDs
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 12-month term
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
1-year cd
$500
1.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 1 Year2
Natural State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month CD
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 7, 2026
Details
Subiaco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
12 Month Certificate
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
As low as
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month Share Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12 Month Share Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$99999 Maximum Penalty for early withdrawal
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 month Certificates of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 18 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
18 month Certificate of Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
IRA 18-Month Certificate
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Open Account: $500.00
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
18 Month CD
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month Share Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
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: 5.10%
IRA Certificate 24 Months
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Share/IRA Certificates - 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
24-month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 2 year Jumbo Share Certificate
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
2 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
24 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Early withdrawal penalty 120 days
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 2 Year Share Certificate
$0
3.19%
▼
Rate3.14%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
24 month Certificate of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2-Year Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 24-month term
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Regular CDs
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 24-month term
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24-Month Share Certificates
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
24 Month Share Certificates (CDs)
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
IRA Certificates 24 Months
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Roth & Educational IRA Share Certificates 24 Month
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Americas First Network Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Standard IRA Share Certificates 24 Month
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 2 Year
$1,000
2.20%
▼
Rate2.18%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
24 Month CD
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Share Certificate
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 2 Year Educ. IRA
$1,000
0.95%
▼
Rate0.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
2-year cd
$500
0.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 2 years2
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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: 5.10%
36 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 36 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 36 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 3 Year Jumbo Share Certificate
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
36 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Early withdrawal penalty 182 days
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 3 Year Share Certificate
$0
3.18%
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
36 month Certificate of Deposit
$0
3.08%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Year Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 36-month term
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 36-month term
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36-Month Share Certificates
$0
2.37%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 3 Year
$1,000
2.30%
▼
Rate2.28%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
36 Month Share Certificates (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
IRA Certificates 36 Months
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
36 Month CD
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 3 Year Educ. IRA
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
3-year cd
$500
0.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Deposit amount and interest rate is "locked" for the term amount; Early withdrawal penalty may apply; Automatically renews for 3 years2
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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: 5.10%
48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 48 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 48 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
48 month Certificate of Deposit
$0
3.18%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 4 Year
$1,000
2.60%
▼
Rate2.57%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
48 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 4 Year Educ. IRA
$1,000
1.15%
▼
Rate1.14%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
48 Month CD
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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: 5.10%
60 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 60 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Certificate 60 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
60 month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
60 month bump * Certificate of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 5 Year
$1,000
2.90%
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
60 Months Certificate of Deposit (CDs)
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Open Account: $500.00
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
IRA 60-Month Certificate
$0
2.37%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
60-Month Share Certificates
$0
2.31%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
60 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
IRA Certificates 60 Months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 5 Year Educ. IRA
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Sparkman, Arkansas at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Sparkman residents from institutions serving the Arkansas area is 4.00% APY from Mercy Credit Union. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Sparkman, AR CD Rate Trends
Compare local Sparkman, AR CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — AR Avg
2.503%
▲ 0.023 vs 7 days ago
Arkansas 12-month CD rates rose 0.023 points over the past 7 days to 2.503% APY.
6-Month CD — AR Avg
2.525%
▼ 0.019 vs 7 days ago
Arkansas 6-month CD rates fell 0.019 points over the past 7 days to 2.525% APY.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
AR CD Rate Forecast — Next 12 Months
Where are Arkansas CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
AR 12-Month Avg APY
2.503%
6-Month Forecast
2.503%
Range: 2.30% – 2.65%
12-Month Forecast
2.253%
Range: 2.05% – 2.40%
Powered by
MonitorBankRates
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 | 1.769% | $88.47 | $176.93 | $442.33 | $884.65 |
| 6-Month CD | 2.525% | $126.23 | $252.45 | $631.13 | $1,262.25 |
| 12-Month CD | 2.503% | $125.14 | $250.28 | $625.70 | $1,251.40 |
| 18-Month CD | 3.134% | $156.70 | $313.39 | $783.48 | $1,566.95 |
| 24-Month CD | 2.310% | $115.50 | $231.00 | $577.50 | $1,155.00 |
| 36-Month CD | 2.235% | $111.74 | $223.48 | $558.70 | $1,117.40 |
| 48-Month CD | 2.265% | $113.26 | $226.52 | $566.30 | $1,132.60 |
| 60-Month CD | 2.417% | $120.85 | $241.70 | $604.25 | $1,208.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Sparkman, Arkansas Savers
$25,000 split equally across 5 terms using today’s Arkansas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | AR Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.769% | $88.47 |
| 2 | 6-Month CD | $5,000 | 2.525% | $126.23 |
| 3 | 12-Month CD | $5,000 | 2.503% | $125.14 |
| 4 | 24-Month CD | $5,000 | 2.310% | $115.50 |
| 5 | 36-Month CD | $5,000 | 2.235% | $111.74 |
| Total ($25,000 invested) | $25,000 | 2.268% blended | $567.08/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.
140
CD Rates
Tracked in Sparkman, Arkansas
Tracked in Sparkman, Arkansas
6 Banks
19 Credit Unions
About Our Sparkman, Arkansas CD Rate Database
MonitorBankRates tracks 140 CD rates from 6 banks and 19 credit unions with locations in Sparkman, Arkansas, plus national online institutions available to Arkansas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Mercy Credit Union offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sparkman, Arkansas.
How to Find the Best CD Rates in Sparkman, Arkansas
What to compare when shopping for a CD in Sparkman, Arkansas
To find the best APYs in Sparkman, Arkansas, start with credit unions and online-only banks — Sparkman, Arkansas has 19 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 Sparkman, 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 Sparkman, Arkansas — 25 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Sparkman, Arkansas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Sparkman, Arkansas money market rates
Arkansas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
17.6%
National avg: 17.3%
Median Individual Earnings
$39,422
National avg: $47,340
Poverty Rate
16.0%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$99/yr
At AR 12-mo avg 2.503% 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 2.503%, saving 10% of the local median salary ($3,942/year) and putting it in a CD would earn an additional $99 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Sparkman, Arkansas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Sparkman, Arkansas
Are CD rates in Sparkman, Arkansas FDIC insured?
Yes, most established banks in Sparkman, 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 Sparkman, 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 Sparkman, 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 Sparkman, 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 Sparkman, Arkansas?
Here are recent top rates found for this area:
- Mercy Credit Union: 4.00% APY (18 month Certificates of Deposit)
- Red River Employees Federal Credit Union: 3.95% APY (6 Month TEAL Certificate)
- MilWay Federal Credit Union: 3.90% APY (Share/IRA Certificates - 6 Months)
- First National Bank of Eastern Arkansas: 3.80% APY (6 Month CD)
- Americas First Network Credit Union: 3.60% APY (Standard IRA Share Certificates 12 Month)
- Academy Bank: 3.55% APY (12-Month Certificate)
- Eaton Family Credit Union: 3.55% APY (18 month Certificate of Deposit)
- River Valley Community Federal Credit Union: 3.54% APY (IRA 1 Year Jumbo Share Certificate)
- Cooperative Extension Service Federal Credit Union: 3.50% APY (12-Month Share Certificate)
- Domino Federal Credit Union: 3.50% APY (24-month CD)
Rates reflect recent verified offers available in Sparkman, Arkansas. Last Updated: May 12, 2026
CD Calculators for Sparkman, Arkansas
Sparkman, Arkansas CD Calculator
At today’s AR top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Sparkman, Arkansas CD LadderAR CD rates currently range from 1.769% (3-month) to 2.235% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Sparkman, Arkansas CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsArkansas’s average 12-month CD is 2.503% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Sparkman, Arkansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Sparkman, 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: May 12, 2026
Rate Assistant
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