Credit union · NCUA insured
River Town Federal Credit Union CD Rates
River Town Federal Credit Union’s best CD rate is 3.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How River Town Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Fort Smith, AR-OK, where River Town Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
River Town Federal Credit Union
3.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $325
Share Certificate
Top rate
Arkansas Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Red River Credit Union
4.33%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $214
River Town Federal Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.25%
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 River Town Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.25%APY · 4 terms
$500 minimum required to open. Fixed dividend rate for the term. Dividends compounded and credited quarterly. Penalty imposed for early withdrawal. Closing share account before dividend payment forfeits accrued dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 3.25% | $325 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
Sources (1)
- rivertownfcu.org/rates-fees · captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 3.25%APY · 4 terms
$500 minimum required to open. Fixed dividend rate for the term. Dividends compounded and credited quarterly. Penalty imposed for early withdrawal. Closing share account before dividend payment forfeits accrued dividends. Covers Traditional, Roth, Educational, and SEP IRA certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 3.25% | $325 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
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This may be incomplete or out of date, so check with the credit union before you apply.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.