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Arkansas CD Rates 2016

Below are the best one year CD Rates from banks in 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.

AR - December 5, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Evolve Bank & Trust 1.15% $1,000 -
First Financial Bank 0.95% $100,000 -
The Peoples Bank 0.95% $50,000 -
Farmers Bank & Trust Company 0.90% $100,000 -
First Financial Bank 0.90% $500 -
Farmers Bank & Trust Company 0.85% $500 -
First National Bank Of Eastern Arkansas 0.75% $100,000 -
First State Bank Of Dequeen 0.75% $500 -
The Farmers & Merchants Bank 0.75% $100,000 -
Bank Of England 0.75% $98,000 -
Commerce Community Bank 0.70% $1,000 -
The Peoples Bank 0.70% $1,000 -
First Community Bank Of Eastern Arkansas 0.65% $100,000 -
Commercial Bank & Trust Company 0.60% $1,000 -
Bank Of England 0.60% $10,000 -
Farmers Bank And Trust Company 0.60% $1,000 -
Helena National Bank 0.60% $1,000 -
The First National Bank Of Lawrence County At Walnut Ridge 0.60% $100,000 -
Southern Bank 0.60% $100,000 -
Bank Of Gravett 0.60% $100,000 -
Cross County Bank 0.60% $100,000 -
Generations Bank 0.55% $1,000 -
Fidelity National Bank 0.55% $500 -
Bank Of Gravett 0.55% $1,000 -
Armstrong Bank 0.55% $100,000 -
Twin Lakes Community Bank 0.50% $50,000 -
The First National Bank Of Lawrence County At Walnut Ridge 0.50% $1,000 -
First National Bank Of Eastern Arkansas 0.50% $1,000 -
Farmers Bank & Trust Company 0.50% $500 -
Riverbank 0.50% $1,000 -
Farmers Bank 0.50% $1,000 -
The Farmers & Merchants Bank 0.50% $1,000 -
Signature Bank Of Arkansas 0.50% $1,000 -
Southern Bank 0.50% $1,000 -
Bodcaw Bank 0.50% $1,000 -
Arkansas County Bank 0.50% $100,000 -
First Community Bank Of Eastern Arkansas 0.50% $500 -
Grand Savings Bank 0.50% $1,000 -
De Witt Bank And Trust Company 0.50% $100,000 -
Merchants And Farmers Bank 0.50% $100,000 -
Southern Bancorp Bank 0.50% $500 -
The First National Bank Of Wynne 0.50% $100,000 -
Cross County Bank 0.50% $1,000 -
Commercial National Bank Of Texarkana 0.50% $1,000 -
Bank Of Cave City 0.45% $500 -
Bank Of Little Rock 0.45% $500 -
Twin Lakes Community Bank 0.45% $10,000 -
Bank Of Lake Village 0.45% $500 -
The First National Bank Of Tom Bean 0.45% $500 -
The Farmers & Merchants Bank 0.45% $100,000 -
Firstar Bank, National Association 0.45% $100,000 -
Relyance Bank, National Association 0.45% $100,000 -
First State Bank 0.41% $1 -
The Farmers & Merchants Bank 0.40% $1,000 -
Arvest Bank 0.40% $95,000 -
Today's Bank 0.40% $1,000 -
The Malvern National Bank 0.40% $500 -
Merchants & Planters' Bank 0.40% $500 -
First Delta Bank 0.40% $1,000 -
Arkansas County Bank 0.40% $500 -
The Farmers & Merchants Bank 0.40% $1,000 -
Chambers Bank 0.40% $1,000 -
Bokf, National Association 0.40% $100,000 -
Southern Bancorp Bank 0.40% $500 -
Little River Bank 0.40% $1,000 -
Stone Bank 0.40% $1,000 -
De Witt Bank And Trust Company 0.40% $500 -
Bank Of Mccrory 0.40% $500 -
First Naturalstate Bank 0.40% $1,000 -
Riverwind Bank 0.40% $1,000 -
Simmons Bank 0.40% $100,000 -
Signature Bank Of Arkansas 0.40% $1,000 -
The First National Bank Of Fort Smith 0.40% $5,000 -
First State Bank 0.40% $1,000 -
Home Bank Of Arkansas 0.40% $1,000 -
River Town Bank 0.40% $500 -
First Community Bank 0.40% $500 -
Armstrong Bank 0.40% $10,000 -
First State Bank 0.39% $1 -
Union Bank & Trust Company 0.38% $500 -
Great Southern Bank 0.35% $250 -
The First National Bank Of Izard County 0.35% $500 -
Bokf, National Association 0.35% $1,000 -
United Bank 0.35% $1,000 -
Simmons Bank 0.35% $10,000 -
Fbt Bank & Mortgage 0.35% $1,000 -
First Western Bank 0.35% $1,000 -
Heartland Bank 0.35% $1,000 -
The Farmers & Merchants Bank 0.35% $1,000 -
Forrest City Bank, National Association 0.35% $1,000 -
Relyance Bank, National Association 0.35% $500 -
Southern Bancorp Bank 0.35% $100,000 -
Piggott State Bank 0.35% $1,000 -
Bank Of Salem 0.35% $500 -
Citizens' Bank & Trust Co. 0.35% $100,000 -
Bear State Bank 0.31% $1,000 -
Focus Bank 0.30% $1,000 -
Arvest Bank 0.30% $10,000 -
Legacy National Bank 0.30% $1,000 -
Mcgehee Bank 0.30% $500 -
Anstaff Bank 0.30% $500 -
Intrust Bank, National Association 0.30% $500 -
The First National Bank Of Fort Smith 0.30% $5,000 -
Equity Bank 0.30% $1,000 -
Cornerstone Bank 0.30% $500 -
Simmons Bank 0.30% $500 -
Texana Bank, National Association 0.30% $1,000 -
Fnbc Bank 0.30% $500 -
First National Bank 0.30% $1,000 -
The First National Bank Of Wynne 0.30% $500 -
Southern Bancorp Bank 0.30% $500 -
Merchants And Farmers Bank 0.30% $500 -
Today's Bank 0.30% $100,000 -
One Bank & Trust, National Association 0.30% $500 -
Integrity First Bank, National Association 0.30% $500 -
Fsnb, National Association 0.30% $500 -
Community State Bank 0.30% $100,000 -
Citizens' Bank & Trust Co. 0.30% $500 -
The Capital Bank 0.30% $1,000 -
Farmers Bank 0.27% $100,000 -
Bank Of Star City 0.27% $500 -
The Citizens Bank 0.25% $500 -
First National Bank Of North Arkansas 0.25% $500 -
Simmons Bank 0.25% $500 -
First Community Bank 0.25% $500 -
Integrity First Bank, National Association 0.25% $500 -
Petit Jean State Bank 0.25% $500 -
Bancorpsouth Bank 0.25% $1,000 -
First Security Bank 0.25% $500 -
First Arkansas Bank And Trust 0.25% $500 -
Firstar Bank, National Association 0.25% $1,000 -
Farmers Bank 0.25% $2,500 -
Eagle Bank And Trust Company 0.25% $500 -
The Union Bank Of Mena 0.20% $500 -
Iberiabank 0.20% $1,000 -
The First National Bank At Paris 0.20% $500 -
Centennial Bank 0.20% $500 -
Community State Bank 0.20% $5,000 -
Today's Bank 0.20% $5,000 -
Simmons Bank 0.18% $10,000 -
Bank Of The Ozarks 0.18% $1,000 -
U.s. Bank National Association 0.10% $10,000 -
Suntrust Bank 0.10% $10,000 -
Bank Of America, National Association 0.07% $10,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
Regions Bank 0.05% $500 -
Simmons Bank 0.05% $10,000 -
Bank Of America, National Association 0.05% $10,000 -
Smackover State Bank 0.00% $1,000 -

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2016

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, you visit the FDIC website.

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

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  • Max

    June 07, 2016

    The Chase rates are not correct, in fact Chase never heard of these rates, if they are correct please inform Abilene and Dallas, I could use the rate as small as it may be, but better than most, if they exist. Thanks

  • joan

    June 06, 2016

    florida community bank 1.40% -9 months good all of june 2016

  • Tammie H.

    April 19, 2016

    Hello,

    I was just wondering if the rates posted on this site were current?

    I noticed at the top it does have todays date.

    Thank you.

  • boo

    April 13, 2016

    rates suck

  • Dan

    March 14, 2016

    The local offerings are there. Just put in your zip code. Click the link that says: Change zip.

  • F Jamees

    March 14, 2016

    Where are the local offerings of 71913. They use to be for local banks, we miss them. F James

  • Larry Triemer (ltriemer@yahoo.com)

    March 02, 2016

    I stopped receiving my weekly bank rates and wanted you to resume sending them. I registered today, again, using my work e-mail and would like for you to send them to the abovementioned e=mail address.

    Thank you,

    Larry Triemer+

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

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