Credit union · NCUA insured
River Town Federal Credit Union
A $13.8M credit union headquartered in Fort Smith, AR, with 2,380 members and 1 branch in Arkansas. Best rates: CDs 3.25% and savings 0.85% APY.
River Town Federal Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#4 of 11 in Fort Smith, AR-OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About River Town Federal Credit Union
River Town Federal Credit Union was founded in 1958 in Fort Smith, Arkansas, originally formed by a group of Sparks Hospital employees.
Granted a federal charter in 1986, it renamed from Sparks Federal Credit Union in 2004 and became a community charter credit union in 2021.
The credit union is an approved Community Development Financial Institution serving people and legal entities in Sebastian, Crawford, and Sequoyah counties.
- Headquarters
- 1001 S 21st St, Fort Smith, AR 72901-4007
- NCUA charter
- 24257
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This may be incomplete or out of date, so check with the credit union before you apply.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
- All people who live, work, worship, or attend school in Sebastian, Crawford, or Sequoyah County are eligible to join River Town Federal Credit Union.
Other ways
- Businesses and other legal entities within Sebastian, Crawford, or Sequoyah County can open accounts.
Cost to join
- A $5 minimum deposit is required to process the membership application.
Branches
1 branch in Arkansas
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Arkansas
1 branch
- RivertownMain office1001 S 21st St, Fort Smith, AR 72901Directions
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 | 14.87% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.38% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $68 | $59 | — |
- CapitalNet worth ratio14.87%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.38%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$68Peers’ 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 River Town Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.