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Arkansas Savings Rate Trends

Fairfield Bay, Arkansas (AR) Savings Rates - April 2026

The best savings rates for Fairfield Bay, Arkansas and the surrounding area include FsnbFsnbA5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, Diamond BankDiamond BankA+5.0 ★Texas Ratio: 5.27% Christmas Club Savings at 4.06% APY, Barksdale Federal Credit UnionBarksdale Federal Credit UnionA5.0 ★Texas Ratio: 10.16% IRA Prime Savings at 3.75% APY, Stone BankStone BankA-5.0 ★Texas Ratio: 14.51% Fortress Savings at 3.50% APY, and First Arkansas Bank and TrustFirst Arkansas Bank and TrustB4.5 ★Texas Ratio: 21.26% Money Market Savings at 3.25% APY.

Fairfield Bay is a smaller community with no bank or credit union branches currently in our database. 60 institutions serving the Arkansas area are available to Fairfield Bay residents, with savings rates as high as 7.00% APY from Fsnb. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Fairfield Bay, Arkansas and the surrounding area. Last Updated and Verified: April 5, 2026

Compare the Best Savings Rates in Fairfield Bay, Arkansas & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedApr 3, 2026
Details

Diamond Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Christmas Club Savings
4.06%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Qualifying balance up to $3,000.00

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
IRA Prime Savings
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Stone Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
Fortress Savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Personal Savings • Anytime Access • No minimum Deposit

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
Money Market Savings
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
High-Yield Savings
3.10%
$0
Rate3.05%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
IRA Variable Share Account
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
iRA Savings
3.04%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
IRA Variable Share Account
2.89%
$0
Rate2.85%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
Money Market Savings
2.85%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Money Market Savings - Variable
2.80%
$0
Rate2.77%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
IRA Variable Share Account
2.78%
$0
Rate2.75%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Savings
2.75%
$0
Rate2.75%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

($0 Opening Balance)

Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Platinum Savings
2.63%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 25, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Money Market Savings - Variable
2.60%
$0
Rate2.57%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Unico Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.13%
Christmas Club Savings
2.50%
$1
Rate2.50%
Min Deposit$1
Min Balance
UpdatedApr 2, 2026
Details

Rates effective as of 10/14/2025

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
IRA Variable Share Account
2.38%
$0
Rate2.35%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
Money Market Savings
2.34%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Money Market Savings - Variable
2.30%
$0
Rate2.28%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
Health Savings
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Rainy Day Savings
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On balances above $25,000 and up to $50,000

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
Money Market Savings
1.85%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Money Market Savings - Variable
1.60%
$0
Rate1.59%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
High-Yield Savings
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
Share IRA
1.51%
$5
Rate1.50%
Min Deposit$5
Min Balance
UpdatedApr 4, 2026
Details

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Business & Public High-Yield Savings
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
Rewards Savings
1.50%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $25,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
SafeGuard Savings, Business
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Rainy Day Savings
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On balances up to $25,000

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
IRA Variable Share Account
1.26%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hurricane Creek Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
IRA Savings
1.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
Prime Savings
1.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

A Prime Checking account is required in order to open a Prime Savings account.

First Arkansas Bank and Trust
Institution Rating:
B4.5 ★Texas Ratio: 21.26%
Prime business savings
1.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

Note: A Prime Business Checking Account is required in order to open a Prime Business Savings account.

River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Variable IRA Shares
1.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Variable IRA Shares
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $99,999.99

River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Variable IRA Shares
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $49,999.99

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
IRA Shares
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Arkansas Best Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Special Shares
1.00%
$10,000
Rate1.00%
Min Deposit$10,000
Min Balance
UpdatedMar 24, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Health Savings Account (HSA)
1.00%
$50
Rate0.99%
Min Deposit$50
Min Balance
UpdatedApr 4, 2026
Details

Rates may change after account is opened.

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
River Rascal Children's Account Share
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Balance $1.00 and above

MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Special Savings Accounts
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Century Next Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
SPECIAL SAVINGS IRA
1.00%
$1,000,000
Rate0.00%
Min Deposit$1,000,000
Min Balance
UpdatedApr 3, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
TotalView Money Market Savings
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Texana Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Savings Account
0.75%
$25
Rate0.20%
Min Deposit$25
Min Balance
UpdatedApr 3, 2026
Details

0.75% APY for up to $10,000. Variable rate account. Rates subject to change at our discretion and at a frequency determined by us. A maximum of six preauthorized, automatic, or telephonic withdrawals or transfers per month are allowed. Fees may apply and could reduce earnings on account. Refer to Truth-in-Savings disclosure for complete details. Promotion available for a limited time only. New deposits only.

Century Next Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
SPECIAL SAVINGS IRA
0.75%
$500,000
Rate0.00%
Min Deposit$500,000
Min Balance
UpdatedApr 3, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Savings Tier Three
0.70%
$0
Rate0.70%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25

Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Youth Savings
0.60%
$10
Rate0.60%
Min Deposit$10
Min Balance
UpdatedMar 27, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
TotalView Money Market Savings
0.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Savings Tier Two
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25

Century Next Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
SPECIAL SAVINGS IRA
0.50%
$250,000
Rate0.00%
Min Deposit$250,000
Min Balance
UpdatedApr 3, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
TotalView Money Market Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Savings Tier One
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
Regular Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Century Next Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
SPECIAL SAVINGS IRA
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Regular Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Youth Savings
0.25%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

$5 opening deposit required

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Traditional Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

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.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Fairfield Bay, AR Savings Rate Trends

Compare local Fairfield Bay, AR savings rate quotes against the statewide average

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

View Full Arkansas Savings Trends →
High-Yield Savings — AR Avg
1.999%
▲ 0.678 vs 7 days ago

Arkansas high-yield savings rates rose 0.678 points over the past 7 days to 1.999% APY, up from 1.320%.

Standard Savings — AR Avg
0.741%
▲ 0.454 vs 7 days ago

Arkansas standard savings rates rose 0.454 points over the past 7 days to 0.741% APY, up from 0.287%.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Fairfield Bay, Arkansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Fairfield Bay, Arkansas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AR.

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

Frequently Asked Questions about Savings Accounts in Fairfield Bay, Arkansas

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Arkansas, help your money grow faster through a higher APY.

Are savings accounts in Fairfield Bay, Arkansas safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Arkansas up to $250,000 per depositor, per institution.

How often do savings rates change in Fairfield Bay, Arkansas?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Arkansas rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Fairfield Bay, Arkansas may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Fairfield Bay, Arkansas?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Fairfield Bay, Arkansas offer in-person customer service, which some customers prefer.

How do I open a savings account in Fairfield Bay, Arkansas?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Fairfield Bay, Arkansas

Here are recent savings rates observed in Fairfield Bay, Arkansas and the surrounding area:
  • Fsnb
    Cents-able Savings — 7.00% APY
  • Diamond Bank
    Christmas Club Savings — 4.06% APY
  • Barksdale Federal Credit Union
    IRA Prime Savings — 3.75% APY
  • Stone Bank
    Fortress Savings — 3.50% APY
  • First Arkansas Bank and Trust
    Money Market Savings — 3.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Fairfield Bay, Arkansas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 5, 2026