Credit union · NCUA insured
River Town Federal Credit Union Credit Card Rates
River Town Federal Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How River Town Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Fort Smith, AR-OK, where River Town Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
River Town Federal Credit Union
10.90%APR
- Up to
- —
Visa Gold
2nd-lowest rate
Arkansas Best FCU
11.50%APR
- Up to
- 18.25% APR
3rd-lowest rate
Multi-States Credit Union
13.50%APR
- Up to
- —
River Town Federal Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
You must be 21 years of age to apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Non-variable APR for purchases. 25 days grace period for repayment (purchases). Average Daily Balance method (including new purchases). Late payment fee $20. Minimum finance charge none. Transaction fee for purchases none. |
Visa Gold
You must be 21 years of age to apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Non-variable APR for purchases. 25 days grace period for repayment (purchases). Average Daily Balance method (including new purchases). Late payment fee $20. Minimum finance charge none. Transaction fee for purchases none. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.