Start Earning TODAY with a Checking or Certificate Account at Arkansas Federal Credit Union

Everyone knows you need to store your money in a savings account to make the best return, right? Wrong. Check out Arkansas Federal Credit Union’s great rates on checking and certificate accounts. Right now, they’re offering a personal checking account with earnings as high as 4.00% APY,1 a business checking account with rates as high as 2.50% APY,2 and an 18-month certificate at 4.15% APY!3 

A personal Premium Checking account is like a regular checking account, but you can earn on your monthly balance like a savings account. In other words, you’ll have full access to your funds while earning as high as 4.00% APY1 on your balance just for doing the things you already do, like using your debit card.   

Arkansas Federal also offers an excellent checking option for businesses so that you can keep more of your hard-earned money with a rate as high as 2.50% APY2 with Premier Checking. Not only will you get a great rate, but you can also enjoy the convenience of multiple payment options, including ACH, Bill Pay, and Wire Transfers. You can get started today with just a $100 opening deposit. Learn more about Arkansas Federal’s business Premier Checking.  

Once your checking is squared away, check out Arkansas Federal’s new certificate specials: 

  • 4.15% APY3 for 18 months  

  • 4.05% APY3 for 11 months  

  • 3.55% APY3 for 6 months 

Certificates are a great option if you’d like a steady, predictable way to grow your savings. Sit back and let your money work for you, knowing earnings are guaranteed and not affected by changes in the market.  Plus, the money is federally insured!! Rates are at their highest level in years, so now is the time to set up an account! Get started with as little as $1,000. 


  1. APY is the annual percentage yield. Premium Checking is a tiered rate variable product. Rate is effective as of 08/04/2022. To qualify for the 4.00% APY, member must be in good standing and complete 10 monthly transactions of at least $1 each, defined as ACH, direct deposit, bill pay, debit card (used as debit or credit), and checks. Current inactive accounts qualify for offer by meeting same criteria. 4.00% APY applies to balances $0–$10,000. Balances $10,000.01 or more earn 0.05% APY. Fees could reduce earnings. $15 monthly fee applies if daily balance drops below $2,500. Offer and rates subject to change. Exclusions may apply. Refer to rate sheet for full details. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA. 
  2. APY is the annual percentage yield and accurate as of 11/03/2022. Offer is only valid for business customers with a Business Premier checking account. Offer and rate subject to change. Refer to for full details. Fees could reduce earnings. Federally insured by NCUA.  Membership with Arkansas Federal Credit Union is required.  Federally insured by NCUA.  
  3. APY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 12/06/2022 and are subject to change. Rates shown are for amounts between $1,000.00 to $999,999.99. Rates are based on the dividend rate in effect on the date of deposit. Dividend rates are fixed unless otherwise stated. Federally insured by NCUA. 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. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA.