Best CD Rates in Helena-West Helena, Arkansas, AR

You are viewing rates from banks across Helena-West Helena

Below are the best one-year CD Rates from banks in Helena-West Helena, Arkansas. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

Helena-West Helena, AR - August 2, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
Finworth, a division of InsBank Bank Of The Ozarks Branch	4.46%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.35% → 4.55% → 4.35% → 4.20% → 4.46%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Arvest Bank Arvest Bank Branch	4.30% 4.25%	$95,000 $10,000	-	Learn More Add Review
Rate History: 5.10% → 4.80% → 4.30%
TotalDirect, a division of City National Bank of Florida	4.25%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Limelight Bank, A division of Capital Community Bank	4.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
CFG Bank Signature Bank Of Arkansas Branch	4.15%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 4.25% → 4.15% → 4.00% → 4.15%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
Vio Bank, A Division of MidFirst Bank	3.85%	$500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Intrust Bank, National Association Rogers, Arkansas Branch	3.50%	$500	-	Learn More Add Review
Rate History: 5.35% → 4.80% → 5.10% → 4.25% → 3.50%
Bank of America, National Association Little Rock Main Branch	3.25%	$100,000	-	Learn More
Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
BMO Alto, a division of Bank of Montreal Harris The Merchants & Planters Bank Branch	3.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Bank of Little Rock Bank Of Little Rock Branch	2.01%	$500	-	Learn More Add Review
Wells Fargo Bank, National Association Wells Fargo Bank, National Association Branch	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
First Arkansas Bank and Trust Heber Springs Branch	1.25%	$500	-	Learn More
Jane Voshell \| Aug 4, 2023 Our Mastercard was transferred to this bank 10 yrs ago. One account--two cards. Fraud on EACH card began occurring in April 2023. Their fraud group cancelled each compromised card and issued new ones each... Read More Reviews (1)
Bank of England Bank Of England Branch	1.00%	$10,000	-	Learn More Add Review
Bodcaw Bank Bodcaw Bank Branch	0.95%	$10,000	-	Learn More Add Review
First Financial Bank First Financial Bank Branch	0.95%	$100,000	-	Learn More Add Review
First Financial Bank First Financial Bank Branch	0.90%	$10,000	-	Learn More Add Review
Texana Bank, National Association Arkansas Blvd Branch	0.85%	$10,000	-	Learn More
Steve \| Mar 19, 2021 ... Read More Reviews (2)
RiverBank Riverbank Branch	0.80%	$10,000	-	Learn More Add Review
Legacy National Bank Legacy National Bank Branch	0.80%	$10,000	-	Learn More Add Review
Fidelity Bank Fidelity National Bank Branch	0.75%	$10,000	-	Learn More Add Review
Riverside Bank Riverside Bank Branch	0.75%	$10,000	-	Learn More Add Review
Commerce Community Bank The Eudora Bank Main Office Branch	0.75%	$1,000	-	Learn More Add Review
Armstrong Bank Phoenix Branch	0.75%	$100,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
First Financial Bank First Financial Bank Branch	0.75%	$100,000	-	Learn More Add Review
Merchants and Farmers Bank Merchants And Farmers Bank Branch	0.75%	$100,000	-	Learn More Add Review
First State Bank of DeQueen First State Bank Of Dequeen Branch	0.75%	$10,000	-	Learn More Add Review
United Bank United Bank Branch	0.70%	$10,000	-	Learn More Add Review
Grand Savings Bank Decatur Branch	0.70%	$1,000	-	Learn More Add Review
Signature Bank of Arkansas Signature Bank Of Arkansas Branch	0.70%	$10,000	-	Learn More
diane@dianemahan.com \| Oct 23, 2017 How o purchases the special 10% CD rate? Read More Reviews (1)
Bank of Lake Village Bank Of Lake Village Branch	0.65%	$10,000	-	Learn More Add Review
The Peoples Bank The Peoples Bank Branch	0.65%	$10,000	-	Learn More
Marsha Sarkela \| Mar 2, 2021 This is NOT CORRECT. Read More Reviews (2)
Southern Bank Bald Knob Facility Branch	0.65%	$100,000	-	Learn More Add Review
Gateway Bank Gateway Bank Branch	0.61%	$10,000	-	Learn More Add Review
Armstrong Bank Phoenix Branch	0.60%	$10,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
First Financial Bank First Financial Bank Branch	0.60%	$10,000	-	Learn More Add Review
Firstar Bank Fort Smith Branch	0.60%	$100,000	-	Learn More Add Review
Signature Bank of Arkansas Signature Bank Of Arkansas Branch	0.60%	$10,000	-	Learn More
diane@dianemahan.com \| Oct 23, 2017 How o purchases the special 10% CD rate? Read More Reviews (1)
Bank of Salem Bank Of Salem Branch	0.60%	$10,000	-	Learn More Add Review
Southern Bank Bald Knob Facility Branch	0.60%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.56%	$10,000	-	Learn More Add Review
Union Bank & Trust Company Union Bank & Trust Company Branch	0.55%	$10,000	-	Learn More Add Review
First National Bank of Eastern Arkansas First National Bank Of Eastern Arkan Branch	0.55%	$100,000	-	Learn More Add Review
First Security Bank Judsonia Branch	0.55%	$10,000	-	Learn More
Landcdale@gmail.com \| May 3, 2023 Do you cash ee saving bonds Read More Reviews (1)
The Farmers & Merchants Bank Marianna Branch	0.55%	$100,000	-	Learn More Add Review
The Farmers & Merchants Bank Marianna Branch	0.50%	$10,000	-	Learn More Add Review
Commercial National Bank of Texarkana State Line Branch	0.50%	$10,000	-	Learn More Add Review
Merchants and Farmers Bank Merchants And Farmers Bank Branch	0.50%	$500	-	Learn More Add Review
Cross County Bank Cross County Bank Branch	0.50%	$100,000	-	Learn More Add Review
Farmers Bank & Trust Company Farmers Bank & Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
Partners Bank Marvell Branch	0.50%	$10,000	-	Learn More Add Review
Connect Bank Bank Of Star City Branch	0.50%	$10,000	-	Learn More Add Review
McGehee Bank Mcgehee Bank Branch	0.50%	$10,000	-	Learn More Add Review
Focus Bank Paragould Kingshighway Facility Branch	0.50%	$10,000	-	Learn More Add Review
First Western Bank First Western Bank Branch	0.50%	$10,000	-	Learn More Add Review
Generations Bank Generations Bank Branch	0.50%	$1,000	-	Learn More Add Review
First National Bank First National Bank Branch	0.50%	$1,000	-	Learn More
Jeflofgren \| May 4, 2021 Very knowledgeable people Read More Reviews (1)
Relyance Bank, National Association Central Branch	0.45%	$100,000	-	Learn More Add Review
Smackover State Bank Smackover State Bank Branch	0.45%	$10,000	-	Learn More Add Review
Stone Bank Stone Bank Branch	0.45%	$10,000	-	Learn More Add Review
Bank of Cave City Bank Of Cave City Branch	0.45%	$10,000	-	Learn More Add Review
First National Bank of Eastern Arkansas First National Bank Of Eastern Arkan Branch	0.45%	$10,000	-	Learn More Add Review
Cross County Bank Cross County Bank Branch	0.45%	$10,000	-	Learn More Add Review
Firstar Bank Fort Smith Branch	0.45%	$1,000	-	Learn More Add Review
The Farmers & Merchants Bank Marianna Branch	0.45%	$100,000	-	Learn More Add Review
Today's Bank Allied Bank Branch	0.45%	$10,000	-	Learn More Add Review
First National Bank of North Arkansas First National Bank Of North Arkansa Branch	0.40%	$10,000	-	Learn More Add Review
Priority Bank Priority Bank Branch	0.40%	$10,000	-	Learn More
SR \| Dec 2, 2020 Only gave it one star because we had to. We were referred to Priority Bank by Rausch and Coleman homes as we purchased a house from them. That is the only reason we even started a home mortgage with them. ... Read More Reviews (1)
First State Bank First State Bank Branch	0.40%	$1,000	-	Learn More Add Review
The Farmers & Merchants Bank Marianna Branch	0.40%	$10,000	-	Learn More Add Review
FBT Bank & Mortgage Fbt Bank & Mortgage Branch	0.35%	$10,000	-	Learn More Add Review
Armor Bank Armor Bank, National Association Branch	0.35%	$10,000	-	Learn More Add Review
FNBC Bank Fnbc Bank Branch	0.35%	$500	-	Learn More Add Review
Relyance Bank, National Association Central Branch	0.35%	$10,000	-	Learn More Add Review
The First National Bank of Izard County The First National Bank Of Izard Cou Branch	0.35%	$10,000	-	Learn More Add Review
The Farmers & Merchants Bank Marianna Branch	0.35%	$10,000	-	Learn More Add Review
Cornerstone Bank Cornerstone Bank Branch	0.30%	$10,000	-	Learn More
Countrygirl \| Mar 1, 2021 Rates on here are not accurate. Read More Reviews (1)
CIT Bank, a division of First-Citizens Bank and Trust	0.30%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Petit Jean State Bank Petit Jean State Bank Branch	0.30%	$10,000	-	Learn More Add Review
Eagle Bank and Trust Company Eagle Bank And Trust Company Branch	0.30%	$10,000	-	Learn More Add Review
FSNB, National Association Conway Branch	0.30%	$10,000	-	Learn More Add Review
Merchants & Planters' Bank Merchants & Planters' Bank Branch	0.30%	$10,000	-	Learn More Add Review
Farmers Bank Farmers Bank Branch	0.30%	$100,000	-	Learn More Add Review
Chambers Bank East Joyce Avenue Branch	0.30%	$10,000	-	Learn More
Lindsy \| Nov 6, 2016 Chambers Bank is the best bank by far! The branch in Mena still has the small town friendly atmosphere. Quick service and they know you by name. Read More Reviews (1)
Great Southern Bank Southern Bankcorp Bank Of Trumann Br Branch	0.30%	$250	-	Learn More Add Review
Anstaff Bank Anstaff Bank Branch	0.30%	$10,000	-	Learn More
Farmer Jay \| Sep 14, 2023 My wife and I wanted to purchase a tractor for 25000.00. The equipment company sent us to Anstaff Bank for financing and instructed us to speak with Bailey Booperhamer. When we walked in, he immediately sa... Read More Reviews (3)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 181 days interest.
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Citizens' Bank & Trust Co. Citizens' Bank & Trust Co. Branch	0.25%	$10,000	-	Learn More Add Review
Equity Bank Harrison Branch	0.25%	$1,000	-	Learn More Add Review
Farmers Bank Farmers Bank Branch	0.25%	$10,000	-	Learn More Add Review
The First National Bank of Fort Smith Lavaca Branch	0.25%	$5,000	-	Learn More Add Review
First Community Bank Little River Bank Branch	0.25%	$10,000	-	Learn More Add Review
The First National Bank of Lawrence County at Walnut Ridge The First National Bank Of Lawrence Branch	0.25%	$10,000	-	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	0.25%	$10,000	-	Learn More Add Review
The Union Bank of Mena The Union Bank Of Mena Branch	0.25%	$10,000	-	Learn More Add Review
Southern Bancorp Bank Southern Bancorp Bank Branch	0.25%	$500	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
ENCORE BANK The Capital Bank Branch	0.20%	$10,000	-	Learn More Add Review
Centennial Bank Community Bank Branch	0.20%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
The Malvern National Bank The Malvern National Bank Branch	0.20%	$10,000	-	Learn More
Bobby jean \| Jun 15, 2019 My aunt was treated horrible by okd gray headed teller with glasses at malvern national bank down town and this big fat black man with a too little shirt on and jeans sagging and tammie. This bank is raci... Read More Reviews (1)
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
BOKF, National Association Bk Arkansas Fayetteville Branch	0.15%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
Bank OZK Bank Of The Ozarks Branch	0.12%	$1,000	-	Learn More
HB \| Sep 12, 2023 Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More Reviews (11)
U.S. Bank National Association Van Buren 6th & Webster Branch	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Regions Bank El Dorado Main Branch	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
Finworth, a division of InsBank Bank Of The Ozarks Branch	17901 Chenal Parkway	Little Rock	AR
Arvest Bank Arvest Bank Branch	4318 Main Street	Hindsville	AR
Arvest Bank Arvest Bank Branch	4318 Main Street	Hindsville	AR
CFG Bank Signature Bank Of Arkansas Branch	3878 North Crossover Road, Suite 20	Fayetteville	AR
Intrust Bank, National Association Rogers, Arkansas Branch	3300 Market Street	Rogers	AR
Bank of America, National Association Little Rock Main Branch	200 West Capitol Avenue	Little Rock	AR
BMO Alto, a division of Bank of Montreal Harris The Merchants & Planters Bank Branch	297 Madison Street	Clarendon	AR
Bank of Little Rock Bank Of Little Rock Branch	200 North State Street	Little Rock	AR
Wells Fargo Bank, National Association Wells Fargo Bank, National Association Branch	3615 E 9th St	Texarkana	AR
First Arkansas Bank and Trust Heber Springs Branch	806 W Main St	Heber Springs	AR
Bank of England Bank Of England Branch	123 South Main Street	England	AR
Bodcaw Bank Bodcaw Bank Branch	307 Thomas Street	Stamps	AR
First Financial Bank First Financial Bank Branch	315 West Main Street	El Dorado	AR
First Financial Bank First Financial Bank Branch	315 West Main Street	El Dorado	AR
Texana Bank, National Association Arkansas Blvd Branch	502 Arkansas Blvd	Texarkana	AR
RiverBank Riverbank Branch	1700 Old County Road	Pocahontas	AR
Legacy National Bank Legacy National Bank Branch	4055 West Sunset	Springdale	AR
Fidelity Bank Fidelity National Bank Branch	330 West Broadway	West Memphis	AR
Riverside Bank Riverside Bank Branch	Commerce And Main Streets	Sparkman	AR
Currency Bank The Eudora Bank Main Office Branch	111 North Main Street	Eudora	AR
Armstrong Bank Phoenix Branch	8300 Phoenix Avenue	Fort Smith	AR
First Financial Bank First Financial Bank Branch	315 West Main Street	El Dorado	AR
Merchants and Farmers Bank Merchants And Farmers Bank Branch	500 Highway 65 South	Dumas	AR
First State Bank of DeQueen First State Bank Of Dequeen Branch	402 West Collin Raye Drive	De Queen	AR
United Bank United Bank Branch	2600 South Thompson	Springdale	AR
Grand Savings Bank Decatur Branch	372 Sh 59 N	Decatur	AR
Signature Bank of Arkansas Signature Bank Of Arkansas Branch	3878 North Crossover Road, Suite 20	Fayetteville	AR
Bank of Lake Village Bank Of Lake Village Branch	101 Main Street	Lake Village	AR
The Peoples Bank The Peoples Bank Branch	500 North Jackson	Magnolia	AR
Southern Bank Bald Knob Facility Branch	306 South Elm Street	Bald Knob	AR
Gateway Bank Gateway Bank Branch	112 Main Street	Rison	AR
Armstrong Bank Phoenix Branch	8300 Phoenix Avenue	Fort Smith	AR
First Financial Bank First Financial Bank Branch	315 West Main Street	El Dorado	AR
Firstar Bank Fort Smith Branch	4300 Rogers Avenue, Suite 7	Fort Smith	AR
Signature Bank of Arkansas Signature Bank Of Arkansas Branch	3878 North Crossover Road, Suite 20	Fayetteville	AR
Bank of Salem Bank Of Salem Branch	207 Church Street	Salem	AR
Southern Bank Bald Knob Facility Branch	306 South Elm Street	Bald Knob	AR
First State Bank First State Bank Branch	101 South Center Street	Lonoke	AR
Union Bank & Trust Company Union Bank & Trust Company Branch	102 West Mccloy	Monticello	AR
First National Bank of Eastern Arkansas First National Bank Of Eastern Arkan Branch	101 North Washington Street	Forrest City	AR
First Security Bank Judsonia Branch	Jefferson And Van Buren Streets	Judsonia	AR
The Farmers & Merchants Bank Marianna Branch	33 West Main Street	Marianna	AR
The Farmers & Merchants Bank Marianna Branch	33 West Main Street	Marianna	AR
Commercial National Bank of Texarkana State Line Branch	2700 North State Line Avenue	Texarkana	AR
Merchants and Farmers Bank Merchants And Farmers Bank Branch	500 Highway 65 South	Dumas	AR
Cross Bank Cross County Bank Branch	1 Cross County Plaza	Wynne	AR
Farmers Bank & Trust Company Farmers Bank & Trust Company Branch	200 East Main	Magnolia	AR
Partners Bank Marvell Branch	Highway 49 West	Marvell	AR
Connect Bank Bank Of Star City Branch	116 North Lincoln	Star City	AR
McGehee Bank Mcgehee Bank Branch	301 North Second Street	Mcgehee	AR
Focus Bank Paragould Kingshighway Facility Branch	3005 W Kings Highway	Paragould	AR
First Western Bank First Western Bank Branch	80 W Main St	Booneville	AR
Generations Bank Generations Bank Branch	302 E Main	Hampton	AR
First National Bank First National Bank Branch	Second And Court Streets	Paragould	AR
Relyance Bank Central Branch	4446 Central Avenue	Hot Springs	AR
Smackover State Bank Smackover State Bank Branch	708 North Broadway	Smackover	AR
Stone Bank Stone Bank Branch	802 East Main Street	Mountain View	AR
Bank of Cave City Bank Of Cave City Branch	137 S Main Street	Cave City	AR
First National Bank of Eastern Arkansas First National Bank Of Eastern Arkan Branch	101 North Washington Street	Forrest City	AR
Cross Bank Cross County Bank Branch	1 Cross County Plaza	Wynne	AR
Firstar Bank Fort Smith Branch	4300 Rogers Avenue, Suite 7	Fort Smith	AR
The Farmers & Merchants Bank Marianna Branch	33 West Main Street	Marianna	AR
Today's Bank Allied Bank Branch	311 Main Street	Mulberry	AR
Bank of 1889 First National Bank Of North Arkansa Branch	305-307 Public Square	Berryville	AR
Priority Bank Priority Bank Branch	3401 East Mission Blvd	Fayetteville	AR
First State Bank First State Bank Branch	3103 East Main Street	Russellville	AR
The Farmers & Merchants Bank Marianna Branch	33 West Main Street	Marianna	AR
FBT Bank & Mortgage Fbt Bank & Mortgage Branch	200 West Fourth Street	Fordyce	AR
Armor Bank Armor Bank, National Association Branch	715 N Washington	Forrest City	AR
FNBC Bank Fnbc Bank Branch	636 Ash Flat Drive	Ash Flat	AR
Relyance Bank Central Branch	4446 Central Avenue	Hot Springs	AR
The First National Bank of Izard County The First National Bank Of Izard Cou Branch	2005 Highway 56	Calico Rock	AR
The Farmers & Merchants Bank Marianna Branch	33 West Main Street	Marianna	AR
CS Bank Cornerstone Bank Branch	70 South Main Street	Eureka Springs	AR
Petit Jean State Bank Petit Jean State Bank Branch	707 North St. Joseph Street	Morrilton	AR
Eagle Bank and Trust Company Eagle Bank And Trust Company Branch	650 Shakleford, Suite 150	Little Rock	AR
FSNB, National Association Conway Branch	3900 Dave Ward Drive	Conway	AR
Merchants & Planters' Bank Merchants & Planters' Bank Branch	Second And Hazel Streets	Newport	AR
Farmers Bank Farmers Bank Branch	71 West Center St	Greenwood	AR
Chambers Bank East Joyce Avenue Branch	1685 East Joyce Boulevard	Fayetteville	AR
Great Southern Bank Southern Bankcorp Bank Of Trumann Br Branch	2522 Pinnacle Hills Parkway, Suite 101	Rogers	AR
Anstaff Bank Anstaff Bank Branch	100 First National Avenue	Green Forest	AR
Citizens' Bank & Trust Co. Citizens' Bank & Trust Co. Branch	3110 Alma Highway	Van Buren	AR
Equity Bank Harrison Branch	200 East Ridge Avenue	Harrison	AR
Farmers Bank Farmers Bank Branch	71 West Center St	Greenwood	AR
The First National Bank of Fort Smith Lavaca Branch	400 W Main Street	Lavaca	AR
First Community Bank Little River Bank Branch	202 Greenwood Avenue	Lepanto	AR
First National Bank Of Commerce The First National Bank Of Lawrence Branch	202 West Main Street	Walnut Ridge	AR
The Citizens Bank The Citizens Bank Branch	200 South 3rd Street	Batesville	AR
Union Bank The Union Bank Of Mena Branch	303 Highway 71 North	Mena	AR
Southern Bancorp Bank Southern Bancorp Bank Branch	601 Main Street	Arkadelphia	AR
ENCORE BANK The Capital Bank Branch	12224 Chenal Parkway	Little Rock	AR
Centennial Bank Community Bank Branch	1 City Plaza	Cabot	AR
The Malvern National Bank The Malvern National Bank Branch	501 S. Main Street	Malvern	AR
BOKF, National Association Bk Arkansas Fayetteville Branch	3500 North College Ave	Fayetteville	AR
Bank OZK Bank Of The Ozarks Branch	17901 Chenal Parkway	Little Rock	AR
U.S. Bank National Association Van Buren 6th & Webster Branch	510 Webster	Van Buren	AR
Regions Bank El Dorado Main Branch	100 E. Peach Street	El Dorado	AR
Regions Bank El Dorado Main Branch	100 E. Peach Street	El Dorado	AR

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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Helena-West Helena, Arkansas CD Rates

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Certificates of Deposit - Branch Banks 2025

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ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

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