Arkansas Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Arkansas include FsnbFsnb2409 E Main St, Russellville, AR 72802A+5.0 ★Texas Ratio: 4.31%Real return: +4.20%APY minus 2.8% CPI (February 2026) Cents-able Savings at 7.00% APY, Diamond BankDiamond Bank319 E Main, Murfreesboro, AR 71958A5.0 ★Texas Ratio: 6.14%Real return: +1.26%APY minus 2.8% CPI (February 2026) Bling! Savings at 4.06% APY, Stone BankStone Bank215 S Jefferson St, De Witt, AR 72042B4.7 ★Texas Ratio: 19.25%Real return: +1.20%APY minus 2.8% CPI (February 2026) Ruby Rewards Savings at 4.00% APY, Success Federal Credit UnionSuccess Federal Credit Union411 N Broadway St, Blytheville, AR 72315A+5.0 ★Texas Ratio: 2.41%Real return: +1.05%APY minus 2.8% CPI (February 2026) IRA Share at 3.85% APY, and Orion Federal Credit UnionOrion Federal Credit Union1201 W 3rd ST, Little Rock, AR 72201 1903A+5.0 ★Texas Ratio: 2.45%Real return: +0.55%APY minus 2.8% CPI (February 2026) High Yield Savings at 3.35% APY.
Use the tables below to compare savings rates across Arkansas side-by-side. Arkansas savings rates currently reach as high as 7.00% APY from Fsnb at 2409 E Main St, Russellville, AR 72802. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Arkansas and the surrounding area. Last Updated and Verified: September 21, 2026
Compare the Best Savings Rates in Arkansas
Portion of the Balances over $5,000.00 receive a rate of .15% resulting in an APY range of 4.06% to 1.13% depending on the balance. Limit One Bling! Savings account per minor.
Qualifications Required: A linked Ruby Rewards Savings account is required for automatic savings rewards deposits.; Balance: daily balances up to $100,000.00 in your Ruby Rewards Savings account earn an APY of 4.00% and daily balances $100,000.00 or more earn an interest rate of 0.25% on the portion of the daily balance $100,000.00 or more , resulting in a range from 4.00% to 0.25% APY depending on the account's daily balance.
RATE range: 3.80% - Dividend
Variable APY. Fees may reduce earnings. Withdrawals made October 1 - December 31 are fee-free. Each withdrawal made January 1 - September 30 incurs a $5 fee. Any balance remaining in the account as of November 15 each year is automatically transferred to another Orion Financial deposit account designated by the member.
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Balance: $500,000 & Up
Qualifications Required: monthly qualifications are met on Priority Checking; If monthly qualifications are met on Priority Checking: 3.00% for Priority Savings balances up to $30,000.00 and 0.50% for balances over $30,000.00.If monthly qualifications are not met on Priority Checking, 0.05% on entire balance. Priority Savings is linked to a Priority Checking account, and cannot be opened without a Priority Checking account. Priority Checking interest rewards are transferred to Priority Savings each month. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. See Priority Checking qualifications linked here: https://www.cnext.bank/priority. See below for Priority disclosures.**
Balance: $100,000 - $499,999
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Balance: $100,000 and up
Balance: $25,000 - Over
Balance: $50,000 - $99,999
Balance: $50,000-$99,999.99
RATE range: 2.50% - Dividend
2.50% interest if club paid via Direct Deposit. Rates effective as of 10/14/2025
Balance: $10,000 - $49,999
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Balance: $10,000-$49,999.99
RATE range: 2.25% - Dividend
Balance: $15,000 to $24,999.99
Balance: $500.00 and up
Balance: $10,000 to $14,999.99
Balance: On balances above $25,000 and up to $50,000
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Balance: $2,500-$9,999.99
Qualifications Required; Balance up to $50,000.00
Balance: $0.00 to $25,000.00*
Balance: On balances up to $25,000
Balance: $2,500 - $9,999
Variable IRA Shares ($100,000 and up)
Portion of the Balances over $5,000.00 receive a rate of .15% resulting in an APY range of 4.06% to 1.13% depending on the balance. Limit One Bling! Savings account per minor.
Variable IRA Shares ($50,000 - $99,999.99)
Balance: $1 million and over
Balance: 0 - $50,000
Balance: $5,000.00 and Above
Variable IRA Shares ($5,000 - $49,999.99)
Balance: $100,000 - $249,999
Balance: $500,000 to $999,999
Balances $50,000.00 or more
Balance: $25,000 - $49,999
Balance: $0 - $24,999
0.50% interest if club paid via Check. Rates effective as of 10/14/2025
Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Balance: $250,000 to $499,999
Requires an adult joint owner. This account serves individuals between ages 14-17. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 to $10,000
Balances $5,000.00 to $49,999.99
Monthly Service Charge: $5; Waived with $300 minimum daily balance; Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Balances less than $5,000.00
All balances
opening deposit required
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Arkansas Savings Rate Trends
Compare local Arkansas savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Arkansas high-yield savings rates rose 0.110 points over the past 7 days to 1.968% APY, up from 1.858%.
Arkansas standard savings rates rose 0.013 points over the past 7 days to 0.814% APY, up from 0.801%.
Arkansas Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current AR high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current AR high-yield savings average of 1.968% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Arkansas.
Savings Account Earnings in Arkansas
Annual interest earnings at current AR average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.968% APY) | Monthly Earnings | Standard Savings (0.814% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.41 / year | $8.20 | $40.68 / year | $3.39 |
| $10,000 | $196.82 / year | $16.40 | $81.36 / year | $6.78 |
| $25,000 | $492.05 / year | $41.00 | $203.40 / year | $16.95 |
| $50,000 | $984.10 / year | $82.01 | $406.80 / year | $33.90 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Arkansas savings rate averages as of September 22, 2026. | ||||
About Our Arkansas Savings Rate Database
MonitorBankRates tracks 77 savings rates from 12 banks and 13 credit unions offering savings accounts to Arkansas residents, including community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Fsnb offers a savings account at 7.00% APY with a minimum deposit of $5. Use the rate table above to compare all current offers in Arkansas.
How to Find the Best Savings Rates in Arkansas
What to compare when shopping for a savings account in Arkansas
To find the best savings APYs in Arkansas, start with credit unions and online-only banks: Arkansas has 13 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current AR high-yield savings average is 1.968% but top local institutions are offering as high as 7.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Arkansas high-yield savings rates currently average 1.968% APY, far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Arkansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 25 institutions in Arkansas report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Arkansas CD rates
- You want check-writing flexibility → Arkansas money market rates
- You need daily transaction access → Arkansas checking rates
Arkansas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s AR high-yield savings average of 1.968%, saving 10% of the local median salary ($3,942/year) would earn an additional $78 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Arkansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Arkansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current AR Avg APY | 1.968% | 0.814% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Arkansas averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Arkansas
At AR’s top rate of 7.00% from Fsnb, a $10,000 deposit earns $700 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Arkansas earner is roughly $9,900. At 1.968% APY, saving $820/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsArkansas’s high-yield savings average is 1.968% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Arkansas earner makes $39,422/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.968% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.968% APY grows to roughly $36,918 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arkansas savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Arkansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Arkansas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AR.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Arkansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Arkansas safe?
How often do savings rates change in Arkansas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Arkansas?
How do I open a savings account in Arkansas?
Best Savings Rates in Arkansas
- Fsnb
Cents-able Savings: 7.00% APY - Diamond Bank
Bling! Savings: 4.06% APY - Stone Bank
Ruby Rewards Savings: 4.00% APY - Success Federal Credit Union
IRA Share: 3.85% APY - Orion Federal Credit Union
High Yield Savings: 3.35% APY
Cities in Arkansas
