Credit union · NCUA insured
River Town Federal Credit Union Savings Rates
River Town Federal Credit Union’s best savings rate is 0.85% APY on $10,000, with its Money Market Super Share. Rates checked October 22, 2026.
How River Town Federal Credit Union’s savings 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
0.85%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $85
Money Market Super Share
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
United Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
River Town Federal Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.85%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.85%
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 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.
Money Market Super Share
0.85%APY
Dividends compounded and credited monthly. Daily balance method. Minimum balance to earn stated APY is $100 (or $10,000 as noted in rate disclosures).
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $50,000$5 to open | 0.85% | $5 | $85 |
| $50,000 – $100,000Unknown to open | 1.20% | Unknown | — |
| $100,000 – $250,000Unknown to open | 1.25% | Unknown | — |
| $250,000 and upUnknown to open | 1.35% | Unknown | — |
Regular Savings
0.15%APY
Membership is open to anyone who lives, works, worships, or attends school in Sebastian or Crawford County, AR, or Sequoyah County, OK. Minimum deposit of $5 should be maintained while using credit union services. Dividends calculated on daily balance, paid and compounded quarterly. Monthly maintenance fee is waived/none with e-Statements; paper statement fee is $2. Excessive withdrawal fee of $3 after 5 withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust have e-Statements to avoid monthly maintenance fee. $3 fee after 5 withdrawals per month.Any balance | 0.15% | $15 | Must have e-Statements to avoid monthly maintenance fee. $3 fee after 5 withdrawals per month. |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
Variable Rate IRA Share Account
1.00%APY
Variable-rate IRA share account pays quarterly dividends. Deposits can be made by payroll deduction, mail, ACH, or in person. Covers Traditional, Roth, and Educational IRAs. No annual fee ($0). $25 fee to transfer money to another institution. Substantial penalty for early withdrawal. Separately insured up to $250,000 by NCUA.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $5,000$5 to open | 0.50% | $5 | — |
| $5,000 – $50,000Unknown to open | 1.00% | Unknown | $100 |
| $50,000 – $100,000Unknown to open | 1.10% | Unknown | — |
| $100,000 and upUnknown to open | 1.15% | Unknown | — |
Christmas Club 2
0.35%APY
Allows members to withdraw all Christmas club money in November each year; savings must remain on deposit until November to receive the dividend. Funds automatically distributed to the member's share account. $15 penalty per early withdrawal (requires account closure). Board of Directors determines dividend rate in September. Dividends calculated on daily balance, paid and compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSavings must remain on deposit until November to receive the dividend. $15 fee/penalty per early withdrawal (requires account closure).Any balance | 0.35% | $35 | Savings must remain on deposit until November to receive the dividend. $15 fee/penalty per early withdrawal (requires account closure). |
Health Savings Account
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- rivertownfcu.org/rates-fees · captured Sep 19, 2026
Christmas Club
0.15%APY
Club accounts pay a special dividend. Dividends calculated on daily balance, paid and compounded quarterly. Club excessive withdrawal fee of $3 after 3 withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$3 excessive withdrawal fee after 3 per month.Any balance | 0.15% | $15 | $3 excessive withdrawal fee after 3 per month. |
Sources (3)
All captured Sep 19, 2026
Vacation Club
0.15%APY
Club excessive withdrawal fee of $3 after 3 per month. Dividends calculated on daily balance, paid and compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$3 excessive withdrawal fee after 3 per month.Any balance | 0.15% | $15 | $3 excessive withdrawal fee after 3 per month. |
Sources (3)
All captured Sep 19, 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.