Share & IRA Certificates
Lock in higher dividends, grow your savings, and enjoy guaranteed returns with a UARK Certificate.
Open a CertificateWhy 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.
Safe & Secure
Your funds are protected and grow steadily over time.
Flexible Terms
Choose from a variety of terms to fit your financial goals.
Current Certificate Rates Effective as of 2/19/2026
| Term | Dividend Rate | APY* | Minimum Deposit |
|---|---|---|---|
| 6 Months | 2.75% | 2.78% | $500 |
| 10 Months** | 3.95% | 4.02% | $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 subject to change. Early withdrawal penalties may apply. ** Platinum or Advantage checking account is required to earn higher divdidend. If closed before certificate matures, rate will default to 6 month CD rate at time of closure.
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 certificate.
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