Credit union · NCUA insured
Combined FCU
A $8.9M credit union headquartered in Hot Springs, AR, with 1,773 members and 1 branch in Arkansas. Best rates: CDs 4.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs854.20%for 3–8 monthsCD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Combined FCU
Combined Federal Credit Union is a member-owned cooperative financial institution headquartered in Hot Springs, Arkansas.
- Headquarters
- 203 Nash St, Hot Springs, AR 71913
- NCUA charter
- 18474
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals who are employed by or retired from one of the listed select employer/business groups (or whose company gets enrolled).
Family and household
- Membership is open to family members of existing members.
Cost to join
- An initial deposit of at least $5 is required to open an account.
Branches
1 branch in Arkansas
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Arkansas
1 branch
- Credit UnionMain office203 Nash St, Hot Springs, AR 71913Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.71% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.08% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.44% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $88 | $59 | — |
- CapitalNet worth ratio13.71%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.08%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.44%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$88Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Combined FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.