Credit union · NCUA insured
River Town Federal Credit Union Auto Loan Rates
River Town Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How River Town Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Fort Smith, AR-OK, where River Town Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
River Town Federal Credit Union
4.50%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
New and Used Auto Loans
Lowest rate
Multi-States Credit Union
3.49%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
Arkansas Best FCU
4.74%APR
- Terms
- up to 72 months
- Up to
- 18.00% APR
- Discount
- None included
River Town Federal Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where River Town Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New and Used Auto Loans
Membership eligibility: live, work, or attend school in Sebastian, Crawford, or Sequoyah County. Flexible terms up to 84 months. Discounts available of 0.25% each (maximum 0.75% combined applied to collateral loans only) for: 10 years with same employer, having an existing River Town checking account, payroll payments or EFT from River Town account with direct deposit, credit scores above 760. Rate is subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | Starting at 4.50% (with discounts). APR can vary based on creditworthiness and terms of the loan. Discounts available up to 0.75% (0.25% each for 10 years with same employer, existing checking, direct deposit, credit score above 760). |
Sources (3)
- rivertownfcu.org/car-loans-fort-smith-ar
- rivertownfcu.org/rates-fees
- rivertownfcu.org/auto-loans-fort-smith-ar
All captured Oct 4, 2026
Refinanced Vehicles Loans
Membership eligibility: live, work, or attend school in Sebastian, Crawford, or Sequoyah County. Flexible terms up to 84 months. Discounts available up to 0.75% (0.25% each for 10 years with same employer, existing River Town checking account, payroll payments or EFT with direct deposit, credit score above 760). Fee of $50 applies to refinance existing CU auto loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.50% | Starting rate at 4.50% includes discounts. APR can vary based on creditworthiness and terms of loan. Discounts available up to 0.75% (0.25% each for 10 years with same employer, existing checking account, payroll/EFT direct deposit, credit score above 760). |
Sources (3)
- rivertownfcu.org/car-loans-fort-smith-ar
- rivertownfcu.org/rates-fees
- rivertownfcu.org/auto-loans-fort-smith-ar
All captured Oct 4, 2026
Who can join River Town Federal Credit Union
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.
Membership information collected October 4, 2026.