Credit union · NCUA insured
Cotton Belt FCU
A $70.5M credit union headquartered in Pine Bluff, AR, with 5,754 members and 2 branches in Arkansas. Best rates: CDs 3.25% and savings 0.15% APY.
Cotton Belt FCU Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#1 of 3 in Pine Bluff, AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cotton Belt FCU
Operating since 1936, Cotton Belt Federal Credit Union is a member-owned credit union where members hold equal voice and vote in operations.
The credit union is headquartered in Pine Bluff, Arkansas, and operates a branch in White Hall.
- Headquarters
- 1703 River Pines Blvd, Pine Bluff, AR 71601
- NCUA charter
- 1245
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Jefferson, Lonoke, Cleveland, or Lincoln County.
Employers and groups
- Membership is open to members of the Cotton Belt Historical Society.
Military, government and schools
- Membership is open to employees and students of the University of Arkansas at Pine Bluff (UAPB).
Family and household
- Membership is open to family members of Cotton Belt FCU members, such as spouses, grandparents, stepchildren, and other relatives.
Cost to join
- Opening an account requires a deposit of at least $5 for a savings account.
Branches
2 branches in Arkansas
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Arkansas
2 branches
- Pine Bluff Cotton Belt FCUMain office1703 River Pines Blvd, Pine Bluff, AR 71601Directions
- Pine Bluff Cotton Belt FCU-White Hall8540 Highway 270, White Hall, AR 71602Directions
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 | 17.03% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 4.73% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.14% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $96 | $59 | — |
- CapitalNet worth ratio17.03%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late4.73%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$96Peers’ 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 Cotton Belt FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.