Credit union · NCUA insured
Cotton Belt FCU Savings Rates
Cotton Belt FCU’s best savings rate is 0.15% APY on $10,000, with its Regular Share Savings. Rates checked October 22, 2026.
How Cotton Belt FCU’s savings rates compare
Compared with banks and credit unions near Pine Bluff, AR, where Cotton Belt FCU has the most branches. $10,000, best rate first.
This credit union’s best
Cotton Belt FCU
0.15%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $15
Regular Share Savings
Top rate
Gateway Bank
4.08%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $408
2nd-highest rate
Stone Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
Cotton Belt FCU savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Cotton Belt FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Savings
0.15%APY
Start with as little as $5. No monthly service fees. Earn interest with no minimum balance. Dividends/interest compound quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounds quarterly. No minimum balance required to earn interest.Any balance | 0.15% | $15 | Compounds quarterly. No minimum balance required to earn interest. |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.00%APY
Tax-advantaged retirement savings account available as Traditional IRA or Roth IRA. No minimum balance or deposit requirements. Compounds quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounds quarterly. Available as Traditional or Roth IRA. No minimum balance or deposit requirements.Any balance | 1.00% | $100 | Compounds quarterly. Available as Traditional or Roth IRA. No minimum balance or deposit requirements. |
Sources (3)
All captured Sep 19, 2026
Christmas Club
0.15%APY
Dedicated savings account for holiday expenses. Funds are disbursed in November. Deposits can be made any time throughout the year. No surprise fees or extra requirements. Dividends compound quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounds quarterly. Funds distributed in November.Any balance | 0.15% | $15 | Compounds quarterly. Funds distributed in November. |
Who can join Cotton Belt FCU
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.
Membership information collected October 4, 2026.