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River Town Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
rivertownfcu.org
479-784-5600
1001 S 21st St
Fort Smith, AR 72901

River Town Federal Credit Union is headquartered in FORT SMITH and is the 26th largest credit union in the state of Arkansas. It is also the 3,333rd largest credit union in the nation. It was established in 1958 and as of December of 2024, it had grown to 5 employees and 2,645 members at 1 location. River Town Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Rivertown Federal Credit Union is open to individuals who live, work, worship, or attend school in the Arkansas counties of Crawford, Sebastian, or Sequoyah. Businesses and other legal entities within these counties are also eligible to join.
See current membership details

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Health
B

Data as of Q4 2024

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. River Town Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #24257
Year Chartered1958
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.18%
Return on Equity - YTD1.32%
Annual Interest Income$836K
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$16.9MM$19.1MM
LoansQ4 2024vs Q4 2023$10.7MM$12.1MM
DepositsQ4 2024vs Q4 2023$14.4MM$15.4MM
Equity CapitalQ4 2024vs Q4 2023$2.3MM$3.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$12K$15K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$25K$3K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not River Town Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

River Town Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$0-Christmas Club II Account
0.25%$0-Health Savings Account
0.15%$0-Regular Share Account
0.15%$0-Christmas Club Account
0.15%$0-Vacation Club Account

River Town Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%*$250k*-Money Market Super Share Account
OTHER TIERS: 0.85% → $100 - $50k | 1.20% → $50k - $100k | 1.25% → $100k - $250k

River Town Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Checking Account

River Town Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-1 Year Share Certificate
3.00%$500-2 Year Share Certificate
3.00%$500-3 Year Share Certificate
1.75%$500-6 Month Share Certificate

River Town Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-1 Year IRA
3.00%$500-2 Year IRA
3.00%$500-3 Year IRA
1.75%$500-6 Month IRA
1.15%*$100k*-Variable IRA Share Account
OTHER TIERS: 0.50% → $0 - $5k | 1.00% → $5k - $50k | 1.10% → $50k - $100k
Locations


River Town Federal Credit Union Locations
Branch Office1001 S 21st StFORT SMITH, AR 72901-4007

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