If funding is from an already established Arkansas Federal account, the member must also have a monthly direct deposit of at least $500 going to an Arkansas Federal checking account or already have an active checking account with at least 10 monthly transactions. IRA transactions are subject to IRS rules and regulations. A $1,000.00 minimum deposit is required to open a share certificate account. To qualify, a member may either fund the certificate with new money-money that was not originally housed with Arkansas Federal, or they may transfer funds from an already established Arkansas Federal checking or savings account.

Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. The dividend rate is fixed unless otherwise stated. The rate is based on the dividend rate in effect on the date of deposit. Certificate special rates are effective as of at 5.75% for 13 months and 5.30% for 6 months and are subject to change. APY is the Annual Percentage Yield and assumes the dividends remain on deposit until maturity.

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