# Arkansas Federal Credit Union CD and share certificate rates

As of October 22, 2026, Arkansas Federal Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 12-month promotional CD ($1,000 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%).

Canonical page: https://apyledger.com/cd-rates/arkansas-federal-credit-union
Institution: Arkansas Federal Credit Union (NCUA 10920)
Aliases: 
Status: live
Last verified: 2026-10-22T16:20:55.000Z (October 22, 2026)
Official source: https://www.afcu.org/spend-and-save/savings/certificates/
Coverage: Membership required. Certificate specials (6 and 12 months) and the 24- to 71-month certificate rate; a $1,000 minimum deposit is required. Term ranges are shown at their lower bound. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate Special | promotional | 6 months | $1,000 | 4.30% | Not ZIP-priced | −0.10% | 2026-10-22T16:20:55.000Z | [Snapshot 313](https://apyledger.com/snapshots/313) |
| Certificate Special | promotional | 12 months | $1,000 | 4.50% | Not ZIP-priced | −0.07% | 2026-10-22T16:20:55.000Z | [Snapshot 313](https://apyledger.com/snapshots/313) |
| Share Certificate | standard | 24 months | $1,000 | 4.50% | Not ZIP-priced | −0.37% | 2026-10-22T16:20:55.000Z | [Snapshot 313](https://apyledger.com/snapshots/313) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.