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CD Rates Watson, Arkansas (AR) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 5, 2026

Current Watson, Arkansas CD rates include Ouachita Valley Health System Federal Credit UnionOuachita Valley Health System Federal Credit UnionB4.6 ★Texas Ratio: 19.80% offering 24-Month IRA at 4.33% APY, Armor BankArmor BankA+5.0 ★Texas Ratio: 0.00% offering 6-Month CD at 4.06% APY, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.24% offering Regular Certificates 18-month at 4.00% APY, Telcoe Federal Credit UnionTelcoe Federal Credit UnionA+5.0 ★Texas Ratio: 0.38% offering 6 Month CD Special at 4.00% APY, and Red River Employees Federal Credit UnionRed River Employees Federal Credit UnionA+5.0 ★Texas Ratio: 5.10% offering 6 Month TEAL Certificate at 3.95% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Watson is a smaller community with no bank or credit union branches currently in our database. 118 institutions serving the Arkansas area are available to Watson residents, with CD rates as high as 4.33% APY from Ouachita Valley Health System Federal Credit Union. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 5, 2026

Compare Best CD Rates in Watson, Arkansas & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3 month CD
$1,000
2.37%
View
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1 - 3 Month CD
$1,000
1.76%
View
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day CD
$5,000
0.95%
View
▼
Rate0.95%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details

Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 3 month
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Armor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month CD
$500
4.06%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Limited time offer. APY effective as of 9/24/25. $500 minimum opening deposit up to a maximum of $250,000. Offer not applicable for public entities or financial institutions. Early withdrawal penalties apply. APY based on interest compounded quarterly. Fees may reduce earnings. Other restrictions may apply. Please speak with an Armor Bank employee for further information.

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
6 Month CD Special
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month TEAL Certificate
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Age 0-17

Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
6-Month IRA & CD
$1,000
3.81%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6 Month CD
$1,000
3.80%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6-month CD
$50,000
3.65%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

$50,000 - $250,000 New Money

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 6 Month Share Certificate
$0
3.56%
View
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
6 Month Certificates of Deposit (CDs)
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6-Month CD
$1,000
3.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6 month CD
$1,000
3.03%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Bank of 1889
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
6 Month Certificate
$0
3.02%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6-Month Share Certificate
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 6 month
$0
2.42%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month Share Certificate
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates minimum) 6 Month
$0
1.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6-Month CD
$0
1.31%
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Share and IRA Certificate - Fixed (6 mo.)
$500
1.30%
View
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month CD
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Natural State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month CD
$2,000
0.50%
View
▼
Rate0.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
6 Month Share Certificate
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$99999 Maximum Early withdrawal penalty :

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 1 Year Jumbo Share Certificate
$0
3.83%
View
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 12-month
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 12 month
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
12 Month CD Special
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
12-Month IRA & CD
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12-Month Certificate
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Cooperative Extension Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12-Month Share Certificate
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates minimum) 12 Month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1 Year CD
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1-Year Share Certificate
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of 1889
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1 Year Certificate
$0
2.77%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
1 Year Certificates of Deposit (CDs)
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
12 month CD
$1,000
2.52%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Share and IRA Certificate - Fixed (1 year)
$500
2.25%
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Month CD
$1,000
2.00%
View
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
12 Month Liquid Certificate
$2,500
1.70%
View
▼
Rate1.59%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
12 Month CD
$0
1.41%
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Standard CDs
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Subiaco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
12 Month Certificate
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

As low as

Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month Share Certificate
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Arkansas AM&N College Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12 Month Share Certificate
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$99999 Maximum Penalty for early withdrawal

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA CD 1 Year
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
18-Month IRA
$2,000
4.07%
View
▼
Rate4.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 18-month
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 18 month
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.72%
View
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month IRA Fixed
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month Certificate
$500
3.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
18 Month IRA
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18 month CD
$500
2.57%
View
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month CD
$1,000
1.90%
View
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
18 Month CD
$0
1.46%
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month Share Certificate
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
24-Month IRA
$2,000
4.33%
View
▼
Rate4.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 24-month
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 2 year Jumbo Share Certificate
$0
3.59%
View
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
2 Year CD
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24-Month Certificate
$500
3.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 24 month
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2-Year Share Certificate
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Alcoa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
2 Year Certificate
$2,500
2.75%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

Fixed rate, quarterly dividends. Dividends may compound, may receive quarterly dividend check or have dividends posted to savings or checking. Does not automatically renew.

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24 month CD
$500
2.63%
View
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of 1889
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
2 Year Certificate
$0
2.52%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
2 Year Certificates of Deposit (CDs)
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Share and IRA Certificate - Fixed (2 year)
$500
2.40%
View
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
24 Month Share Certificates (CDs)
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 2 Year
$1,000
2.20%
View
▼
Rate2.18%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month CD
$1,000
2.10%
View
▼
Rate2.09%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
24 Month CD
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Share Certificate
$0
1.25%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 36-month
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.67%
View
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
IRA 3 Year Jumbo Share Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3 Year CD
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
36-Month IRA & CD
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 36 month
$0
3.08%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
36-Month Certificate
$500
3.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

River Town Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Year Share Certificate
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
36 month CD
$500
2.73%
View
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Share and IRA Certificate - Fixed (3 year)
$500
2.40%
View
▼
Rate2.38%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month CD
$1,000
2.34%
View
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 3 Year
$1,000
2.30%
View
▼
Rate2.28%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
36 Month Bump Up Certificate
$500
2.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.

Bank of 1889
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
3 Year Certificate
$0
2.01%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
36 Month Share Certificates (CDs)
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Little Rock
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
3 Year Certificates of Deposit (CDs)
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
36 Month CD
$0
1.21%
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
48-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Ouachita Valley Health System Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.80%
48-Month IRA & CD
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 48 month
$0
3.18%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
48-Month Certificate
$500
3.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 4 Year
$1,000
2.60%
View
▼
Rate2.57%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
48 Month Share Certificates (CDs)
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Diamond Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
48 Month CD
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Regular Certificates 60-month
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
Certificate of Deposit 60 month
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60-Month Certificate
$500
3.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Telcoe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Share Certificates of Deposit & IRA Certificates of Deposit 5 Year
$1,000
2.90%
View
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
60 month CD
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month CD
$1,000
2.64%
View
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

TruService Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Share and IRA Certificate - Fixed (5 year)
$500
2.60%
View
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
60 Month Share Certificates (CDs)
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Watson, AR CD Rate Trends

Compare local Watson, AR CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Arkansas CD Trends →
12-Month CD — AR Avg
3.423%
▲ 0.934 vs 7 days ago

Arkansas 12-month CD rates rose 0.934 points over the past 7 days to 3.423% APY.

6-Month CD — AR Avg
3.656%
▲ 0.695 vs 7 days ago

Arkansas 6-month CD rates rose 0.695 points over the past 7 days to 3.656% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Watson, Arkansas

Are CD rates in Watson, Arkansas FDIC insured?

Yes, most established banks in Watson, Arkansas are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Watson, Arkansas?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Watson, Arkansas.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Watson, Arkansas may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Watson, Arkansas?

Here are recent top rates found for this area:
  • Ouachita Valley Health System Federal Credit Union: 4.33% APY (24-Month IRA)
  • Armor Bank: 4.06% APY (6-Month CD)
  • Riverland Federal Credit Union: 4.00% APY (Regular Certificates 18-month)
  • Telcoe Federal Credit Union: 4.00% APY (6 Month CD Special)
  • Red River Employees Federal Credit Union: 3.95% APY (6 Month TEAL Certificate)
  • River Valley Community Federal Credit Union: 3.83% APY (IRA 1 Year Jumbo Share Certificate)
  • Eaton Family Credit Union: 3.80% APY (Certificate of Deposit 18 month)
  • First National Bank of Eastern Arkansas: 3.80% APY (6 Month CD)
  • UNIFY Financial Federal Credit Union: 3.72% APY (IRA Certificate Term 18-Month Variable)
  • Simmons Bank: 3.65% APY (6-month CD)
Rates reflect recent verified offers available in Watson, Arkansas. Last Updated: April 5, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
CD vs. HYSA

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Watson, Arkansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Watson, Arkansas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in AR.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 5, 2026

Watson, Arkansas Rates & Resources

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