APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.afcu.org/spend-and-save/savings/certificates/
Read: 2026-10-22T16:20:55.000Z

Certificates | Arkansas Federal Credit Union Arkansas Federal Credit Union
4 . 50 %
APY
APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity. A $1,000 minimum deposit is required to open a share certificate account. Certificate rates are effective as of October 9, 2026, and include: 4.30% APY for the 6-month special and 4.50% APY for the 12-month special and 24–71 month terms. Offer and rate are subject to change. The rate is based on the dividend rate in effect on the date of deposit. The dividend rate is fixed unless otherwise stated. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations . Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA.
6-month special 4.30% APY 1
12-month special 4.50% APY 1
24-71 months 4.50% APY 1