Highest CD Rates in Arkansas
97 Arkansas-specific CD products

By Aviel Fahl

Newest reading: October 13, 2026

Top Arkansas Rate:4.40% APYFDIC or NCUA Insured

The Arkansas market

Arkansas accounts

Institutions

Top Arkansas APY

4.40% APY

Nationally: 5.00% APY

FDIC national average

1.73%

As of Sep 2026

97 CDs are open only to Arkansas residents, from 13 institutions. The highest advertised APY among them is 4.40%.

The highest nationally available rate is 5.00% APY, 60 basis points above the Arkansas leader.

62 of the 97 Arkansas CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.

Arkansas-Specific CD Rates

CD rates specifically available to Arkansas residents. Business, youth and IRA CDs are not included.

Top 50 CD terms from 11 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Academy Bank, National Association 18-Month CD Term: 18 months	4.40%APY Observed: Oct 13, 2026 Branches: Yes	$500
#2	First National Bank 13 Month CD Term: 13 months	4.35%APY Observed: Oct 13, 2026	$1,000
#3	First Service Bank 13-Month CD Term: 13 months	4.30%APY Observed: Oct 13, 2026 Branches: Yes	$10,000
#4	Academy Bank, National Association 15-Month CD Term: 15 months	4.30%APY Observed: Oct 13, 2026 Branches: Yes	$500
#5	Academy Bank, National Association 12-Month CD Term: 12 months	4.20%APY Observed: Oct 13, 2026 Branches: Yes	$500
#6	First Service Bank 6-Month CD Term: 6 months	4.15%APY Observed: Oct 13, 2026 Branches: Yes	$10,000
#7	Bank of America 7-Month Featured CD Term: 7 months	Up to4.00%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes	$1,000
#8	Texana Bank, National Association 12-Month CD Special Term: 12 months	4.00%APY Observed: Oct 13, 2026	$10,000
#9	Academy Bank, National Association 13-Month CD Term: 13 months	4.00%APY Observed: Oct 13, 2026 Branches: Yes	$500
#10	First Service Bank 24-Month CD Term: 24 months	4.00%APY Observed: Oct 13, 2026 Branches: Yes	$10,000
#11	First National Bank Of Commerce CDARS 3 Month CD Term: 3 months	3.91%APY Observed: Oct 3, 2026 Branches: Yes	$250,000.01
#12	The First National Bank of Izard County 7 Month Certificate Special Term: 7 months	3.88%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#13	Gateway First Bank 12 Month CD Term: 12 months	3.85%APY Observed: Oct 7, 2026 Branches: Yes	$500
#14	Farmers Bank & Trust Company 13 Month CD Term: 13 months	3.85%APY Observed: Oct 7, 2026 Branches: Yes	$500
#15	Gateway First Bank 18 Month CD Term: 18 months	3.85%APY Observed: Oct 7, 2026 Branches: Yes	$500
#16	First National Bank Of Commerce 3 Month CD Term: 3 months	3.80%APY Observed: Oct 3, 2026 Branches: Yes	$1,000
#17	Farmers Bank & Trust Company 5 Month CD Term: 5 months	3.65%APY Observed: Oct 7, 2026 Branches: Yes	$500
#18	Bank of America 12-Month Flexible CD account Term: 12 months	Up to3.65%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes	$1,000
#19	Fidelity Bank 182-364 Day CD Term: N/A	3.60%APY Observed: Oct 7, 2026 Branches: Yes	$500
#20	Gateway First Bank 6 Month CD Term: 6 months	3.60%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#21	First National Bank Of Commerce CDARS 3 Year CD Term: 36 months	3.60%APY Observed: Oct 3, 2026 Branches: Yes	$250,000.01
#22	First National Bank Of Commerce 60 Month CD Term: 60 months	3.55%APY Observed: Oct 3, 2026 Branches: Yes	$500
#23	Academy Bank, National Association 19-Month CD Term: 19 months	3.51%APY Observed: Oct 13, 2026 Branches: Yes	$500
#24	Academy Bank, National Association 24-Month CD Term: 24 months	3.51%APY Observed: Oct 13, 2026 Branches: Yes	$500
#25	Academy Bank, National Association 30-Month CD Term: 30 months	3.51%APY Observed: Oct 13, 2026 Branches: Yes	$500
#26	Academy Bank, National Association 36-Month CD Term: 36 months	3.51%APY Observed: Oct 13, 2026 Branches: Yes	$500
#27	Academy Bank, National Association 48-Month CD Term: 48 months	3.51%APY Observed: Oct 13, 2026 Branches: Yes	$500
#28	Academy Bank, National Association 60-Month CD Term: 60 months	3.51%APY Observed: Oct 13, 2026 Branches: Yes	$500
#29	Gateway First Bank 3 Month CD Term: 3 months	3.50%APY Observed: Oct 7, 2026 Branches: Yes	$500
#30	Diamond Bank 7 Month CD Special Term: 7 months	3.50%APY Observed: Oct 13, 2026 Branches: Yes	$1,000
#31	Gateway First Bank 24 Month CD Term: 24 months	3.50%APY Observed: Oct 7, 2026 Branches: Yes	$500
#32	First National Bank Of Commerce 36 Month CD Term: 36 months	3.49%APY Observed: Oct 3, 2026 Branches: Yes	$500
#33	Academy Bank, National Association 9-Month CD Term: 9 months	3.45%APY Observed: Oct 13, 2026 Branches: Yes	$500
#34	Fidelity Bank 1-Year CD Term: 12 months	3.45%APY Observed: Oct 7, 2026 Branches: Yes	$500
#35	First National Bank Of Commerce 30 Month CD Term: 30 months	3.44%APY Observed: Oct 3, 2026 Branches: Yes	$500
#36	First National Bank Of Commerce CDARS 1 Year CD Term: 12 months	3.39%APY Observed: Oct 3, 2026 Branches: Yes	$250,000.01
#37	First National Bank Of Commerce 24 Month CD Term: 24 months	3.39%APY Observed: Oct 3, 2026 Branches: Yes	$500
#38	The First National Bank of Izard County 15 Month Certificate Special Term: 15 months	3.34%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#39	First National Bank Of Commerce 18 Month CD Term: 18 months	3.34%APY Observed: Oct 3, 2026 Branches: Yes	$500
#40	First National Bank Of Commerce CDARS 6 Month CD Term: 6 months	3.29%APY Observed: Oct 3, 2026 Branches: Yes	$250,000.01
#41	First National Bank Of Commerce 12 Month CD Term: 12 months	3.29%APY Observed: Oct 3, 2026 Branches: Yes	$1,000
#42	The First National Bank of Izard County 10 Month Certificate Special Term: 10 months	3.26%APY Observed: Oct 7, 2026 Branches: Yes	N/A
#43	Gateway First Bank 36 Month CD Term: 36 months	3.25%APY Observed: Oct 7, 2026 Branches: Yes	$500
#44	Gateway First Bank 48 Month CD Term: 48 months	3.25%APY Observed: Oct 7, 2026 Branches: Yes	$500
#45	Gateway First Bank 60 Month CD Term: 60 months	3.25%APY Observed: Oct 7, 2026 Branches: Yes	$500
#46	First National Bank Of Commerce 10 Month CD Term: 10 months	3.24%APY Observed: Oct 3, 2026 Branches: Yes	$1,000
#47	First National Bank Of Commerce 6 Month CD Term: 6 months	3.19%APY Observed: Oct 3, 2026 Branches: Yes	$1,000
#48	Fidelity Bank 91-181 Day CD Term: N/A	3.00%APY Observed: Oct 7, 2026 Branches: Yes	$500
#49	Bank of America 90-179 Day Fixed Term CD Term: 3-5 months	3.00%APY Observed: Oct 13, 2026 Branches: Yes	$1,000
#50	Bank of America 10-Month Featured CD Term: 10 months	2.95%APY Observed: Oct 13, 2026 Branches: Yes	$1,000

Academy Bank, National Association

18-Month CD

Term: 18 months

4.40%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

First National Bank

13 Month CD

Term: 13 months

4.35%

APY

Observed: Oct 13, 2026

Min Deposit

$1,000

Branches

N/A

First Service Bank

13-Month CD

Term: 13 months

4.30%

APY

Observed: Oct 13, 2026

Min Deposit

$10,000

Branches

Yes

Academy Bank, National Association

15-Month CD

Term: 15 months

4.30%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

Academy Bank, National Association

12-Month CD

Term: 12 months

4.20%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

First Service Bank

6-Month CD

Term: 6 months

4.15%

APY

Observed: Oct 13, 2026

Min Deposit

$10,000

Branches

Yes

Bank of America

7-Month Featured CD

Term: 7 months

Up to4.00%

APY

Needs at least $100,000

Observed: Oct 13, 2026

Min Deposit

$1,000

Branches

Yes

Texana Bank, National Association

12-Month CD Special

Term: 12 months

4.00%

APY

Observed: Oct 13, 2026

Min Deposit

$10,000

Branches

N/A

Academy Bank, National Association

13-Month CD

Term: 13 months

4.00%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

#10

First Service Bank

24-Month CD

Term: 24 months

4.00%

APY

Observed: Oct 13, 2026

Min Deposit

$10,000

Branches

Yes

#11

First National Bank Of Commerce

CDARS 3 Month CD

Term: 3 months

3.91%

APY

Observed: Oct 3, 2026

Min Deposit

$250,000.01

Branches

Yes

#12

The First National Bank of Izard County

7 Month Certificate Special

Term: 7 months

3.88%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

#13

Gateway First Bank

12 Month CD

Term: 12 months

3.85%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#14

Farmers Bank & Trust Company

13 Month CD

Term: 13 months

3.85%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#15

Gateway First Bank

18 Month CD

Term: 18 months

3.85%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#16

First National Bank Of Commerce

3 Month CD

Term: 3 months

3.80%

APY

Observed: Oct 3, 2026

Min Deposit

$1,000

Branches

Yes

#17

Farmers Bank & Trust Company

5 Month CD

Term: 5 months

3.65%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#18

Bank of America

12-Month Flexible CD account

Term: 12 months

Up to3.65%

APY

Needs at least $100,000

Observed: Oct 13, 2026

Min Deposit

$1,000

Branches

Yes

#19

Fidelity Bank

182-364 Day CD

Term: N/A

3.60%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#20

Gateway First Bank

6 Month CD

Term: 6 months

3.60%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

#21

First National Bank Of Commerce

CDARS 3 Year CD

Term: 36 months

3.60%

APY

Observed: Oct 3, 2026

Min Deposit

$250,000.01

Branches

Yes

#22

First National Bank Of Commerce

60 Month CD

Term: 60 months

3.55%

APY

Observed: Oct 3, 2026

Min Deposit

$500

Branches

Yes

#23

Academy Bank, National Association

19-Month CD

Term: 19 months

3.51%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

#24

Academy Bank, National Association

24-Month CD

Term: 24 months

3.51%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

#25

Academy Bank, National Association

30-Month CD

Term: 30 months

3.51%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

#26

Academy Bank, National Association

36-Month CD

Term: 36 months

3.51%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

#27

Academy Bank, National Association

48-Month CD

Term: 48 months

3.51%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

#28

Academy Bank, National Association

60-Month CD

Term: 60 months

3.51%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

#29

Gateway First Bank

3 Month CD

Term: 3 months

3.50%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#30

Diamond Bank

7 Month CD Special

Term: 7 months

3.50%

APY

Observed: Oct 13, 2026

Min Deposit

$1,000

Branches

Yes

#31

Gateway First Bank

24 Month CD

Term: 24 months

3.50%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#32

First National Bank Of Commerce

36 Month CD

Term: 36 months

3.49%

APY

Observed: Oct 3, 2026

Min Deposit

$500

Branches

Yes

#33

Academy Bank, National Association

9-Month CD

Term: 9 months

3.45%

APY

Observed: Oct 13, 2026

Min Deposit

$500

Branches

Yes

#34

Fidelity Bank

1-Year CD

Term: 12 months

3.45%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#35

First National Bank Of Commerce

30 Month CD

Term: 30 months

3.44%

APY

Observed: Oct 3, 2026

Min Deposit

$500

Branches

Yes

#36

First National Bank Of Commerce

CDARS 1 Year CD

Term: 12 months

3.39%

APY

Observed: Oct 3, 2026

Min Deposit

$250,000.01

Branches

Yes

#37

First National Bank Of Commerce

24 Month CD

Term: 24 months

3.39%

APY

Observed: Oct 3, 2026

Min Deposit

$500

Branches

Yes

#38

The First National Bank of Izard County

15 Month Certificate Special

Term: 15 months

3.34%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

#39

First National Bank Of Commerce

18 Month CD

Term: 18 months

3.34%

APY

Observed: Oct 3, 2026

Min Deposit

$500

Branches

Yes

#40

First National Bank Of Commerce

CDARS 6 Month CD

Term: 6 months

3.29%

APY

Observed: Oct 3, 2026

Min Deposit

$250,000.01

Branches

Yes

#41

First National Bank Of Commerce

12 Month CD

Term: 12 months

3.29%

APY

Observed: Oct 3, 2026

Min Deposit

$1,000

Branches

Yes

#42

The First National Bank of Izard County

10 Month Certificate Special

Term: 10 months

3.26%

APY

Observed: Oct 7, 2026

Min Deposit

N/A

Branches

Yes

#43

Gateway First Bank

36 Month CD

Term: 36 months

3.25%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#44

Gateway First Bank

48 Month CD

Term: 48 months

3.25%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#45

Gateway First Bank

60 Month CD

Term: 60 months

3.25%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#46

First National Bank Of Commerce

10 Month CD

Term: 10 months

3.24%

APY

Observed: Oct 3, 2026

Min Deposit

$1,000

Branches

Yes

#47

First National Bank Of Commerce

6 Month CD

Term: 6 months

3.19%

APY

Observed: Oct 3, 2026

Min Deposit

$1,000

Branches

Yes

#48

Fidelity Bank

91-181 Day CD

Term: N/A

3.00%

APY

Observed: Oct 7, 2026

Min Deposit

$500

Branches

Yes

#49

Bank of America

90-179 Day Fixed Term CD

Term: 3-5 months

3.00%

APY

Observed: Oct 13, 2026

Min Deposit

$1,000

Branches

Yes

#50

Bank of America

10-Month Featured CD

Term: 10 months

2.95%

APY

Observed: Oct 13, 2026

Min Deposit

$1,000

Branches

Yes

Nationally Available CD Rates

The 8 highest CD rates available nationwide, including in Arkansas.

Institution	Product / Term	Category	APY	Min. Deposit
Popular Direct	60 Months60 months	CD Fixed	5.00%	$10,000
Popular Direct	48 Months48 months	CD Fixed	4.95%	$10,000
Popular Direct	36 Months36 months	CD Fixed	4.85%	$10,000
E*TRADE from Morgan Stanley	12-Month Certificates of Deposit12 months	CD Fixed	4.75%	$0
Bread Savings	18-Month CD18 months	CD Fixed	4.75%	$1,500
Barclays	24-Month CD24 months	CD Fixed	4.75%	$0
Barclays	60-Month CD60 months	CD Fixed	4.75%	$0
Popular Direct	24 Months24 months	CD Fixed	4.70%	$10,000

See the full national list