River Town Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

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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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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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 28^th largest credit union in the state of Arkansas. It is also the 3,379^th largest credit union in the nation. It was established in 1958 and as of March of 2025, 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

Data as of Q1 2025

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 Chartered	1958
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.44%
Return on Equity - YTD	3.04%
Annual Interest Income	$193K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$15.6MM$19.3MM
Loans	Q1 2025vs Q1 2024	$10.4MM$11.9MM
Deposits	Q1 2025vs Q1 2024	$13.2MM$16.8MM
Equity Capital	Q1 2025vs Q1 2024	$2.4MM$2.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$10K$14K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$15K$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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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Savings
Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$0	-	Checking Account

River Town Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$500	-	1 Year Share Certificate
3.00%	$500	-	2 Year Share Certificate
3.00%	$500	-	3 Year Share Certificate
2.00%	$500	-	6 Month Share Certificate

River Town Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$500	-	1 Year IRA
3.00%	$500	-	2 Year IRA
3.00%	$500	-	3 Year IRA
2.00%	$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 Office	1001 S 21st St	FORT SMITH, AR 72901-4007

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