Share & IRA Certificates
Lock in higher dividends, grow your savings, and enjoy guaranteed returns with a UARK Certificate.
Why Choose a Certificate?
Guaranteed Returns
Fixed dividend rates mean predictable earnings with no surprises.
Higher Earnings
Earn more than traditional savings accounts by committing funds for a set term.
Safe & Secure
Your funds are protected and grow steadily over time.
Flexible Terms
Choose from a variety of terms to fit your financial goals.
Check Out Our Latest Certificate Special
Take advantage of our current special rate for a limited time.
View Our Latest Special| Term | Dividend Rate | APY* | Minimum Deposit |
|---|---|---|---|
| 6 Months | 2.75% | 2.78% | $500 |
| 12 Months | 3.00% | 3.04% | $500 |
| 18 Months | 3.00% | 3.04% | $500 |
| 24 Months | 3.00% | 3.04% | $500 |
| 30 Months | 3.00% | 3.04% | $500 |
| 36 Months | 3.00% | 3.04% | $500 |
*APY = Annual Percentage Yield. Rates are subject to change. Early withdrawal penalties may apply.
How It Works
- Choose your term and deposit amount.
- Lock in a competitive dividend rate.
- Earn dividends throughout the term.
- Receive your funds plus earnings at maturity.
Start Growing Your Savings Today
Secure your rate and maximize your earnings with a UARK Certificate.
Rates effective as of February 19, 2026. Current as of August 18, 2026. Rates subject to change without notice.