--- title: "Natural State Credit Union Rates: CDs to 1.00%, Personal 9.99%" description: "Natural State Credit Union rates today: savings & CDs up to 1.00% APY, personal loans from 9.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Natural State Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/arkansas/natural-state" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Natural State Credit Union Rates: CDs to 1.00%, Personal 9.99% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.990% | — | Standard | Natural State Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Credit Builder Loan** personal | — APR | 9.990% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | 9.990% APR | 9.990% | — | Standard | Natural State Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 12.900% | — | Standard | Natural State Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **12-Month Certificate** cd_12mo | 1.00% APY | 1.00% | 12 mo | Standard | Natural State Credit Union savings & cd rates as of November 12, 2026 Personal loan rates from 9.99% APR. Savings and certificate yields up to 1.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/arkansas/natural-state) , verified from [Natural State Credit Union's official website](https://naturalstatefcu.net/) Best product position **Room to improve vs. the Arkansas median** personal loan Gap to state best **199 bp** 199 bp from state best Vs. state median **74 bp behind median** personal loan Products ranked **1** across tracked Arkansas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 9.99% | Room to improve vs. the Arkansas median | 199 bp from state best | 74 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Natural State Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=natural-state&state=arkansas&code=AR&name=Natural%20State%20Credit%20Union) Loading branch locator… ## About Natural State Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.2K Assets $9.1M Founded 1956 Locations reported 1 NCUA charter 24432 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Eaton Family** Eaton Family Credit Unon Searcy Branch · Searcy · AR · 72143-7408 About 0.9 miles away](https://rateapi.dev/credit-unions/ohio/eaton-family) [**White County** White County FCU · Searcy · AR · 72143-6652 About 1.2 miles away](https://rateapi.dev/credit-unions/arkansas/white-county) [**Barksdale** Greenbrier Center · Greenbrier · AR · 72058-9231 About 36.7 miles away](https://rateapi.dev/credit-unions/louisiana/barksdale) [**Telcoe** Sherwood · Sherwood · AR · 72120-5068 About 39.0 miles away](https://rateapi.dev/credit-unions/arkansas/telcoe) [**Pba** Dillards Federal Credit Union · North Little Rock · AR · 72116 About 40.0 miles away](https://rateapi.dev/credit-unions/arkansas/pba) [**Baptist Health** N Little Rock Office · N Little Rock · AR · 72117 About 40.9 miles away](https://rateapi.dev/credit-unions/arkansas/baptist-health) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Natural State Credit Union Membership eligibility from Natural State Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Natural State Credit Union's website. Check the membership page below to confirm whether you qualify. - Location cleburne, faulkner, independence, jackson, lonoke, prairie, stone, white, woodruff, van buren — AR - Employer Arkansas Power and Light Company, Entergy Verified from [Natural State Credit Union's membership page](https://naturalstatefcu.net/about-us.html) . Final membership determination is always made by the credit union. ## Membership rules for Natural State Credit Union Geography 10 counties · Employers 2 62 published paths to membership, last verified August 27, 2026, quoted from Natural State Credit Union’s own published criteria. ### Geography 10 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Cleburne County, AR - Faulkner County, AR - Independence County, AR - Jackson County, AR - Lonoke County, AR - Prairie County, AR - Stone County, AR - Van Buren County, AR - White County, AR - Woodruff County, AR “If you live, work, worship, attend school, or regularly conduct business in Cleburne, Faulkner, Independence, Jackson, Lonoke, Prairie, Stone, White, Woodruff, or Van Buren Counties, Arkansas, you're eligible to join.” > [source ↗](https://naturalstatefcu.net/about-us.html) ### Employers 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Arkansas Power and Light Company “Natural State Federal Credit Union was established in 1956 for the employees of Arkansas Power and Light Company, which is now known as Entergy.” > [source ↗](https://naturalstatefcu.net/about-us.html) - Employee of Arkansas Power and Light Company - Employee of Entergy Corporation “Natural State Federal Credit Union was established in 1956 for the employees of Arkansas Power and Light Company, which is now known as Entergy.” > [source ↗](https://naturalstatefcu.net/about-us.html) - Employee of Entergy Corporation Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Natural State Credit Union? Yes No ## Work at Natural State Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Natural State Credit Union ranks against Arkansas peers. - See which AI assistants fetched Natural State Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Arkansas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=natural-state&state=arkansas&code=AR&name=Natural%20State%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Natural State Credit Union offer? Natural State Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Natural State Credit Union rates updated? RateAPI verifies Natural State Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Natural State Credit Union's rate data? Rate data is collected directly from Natural State Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Natural State Credit Union's personal loan rate? As of November 12, 2026, Natural State Credit Union offers personal loans from 9.99% APR. ### What is Natural State Credit Union's best CD rate? As of November 12, 2026, Natural State Credit Union offers savings and certificate (CD) yields up to 1.00% APY. ### Who can join Natural State Credit Union? Natural State Credit Union publishes its membership criteria on its own website. RateAPI tracks 62 published membership paths covering 10 counties and 2 employers for Natural State Credit Union, each quoted from Natural State Credit Union's own published membership criteria. ## Related Rate Data Compare Natural State Credit Union's rates against national credit-union benchmarks. [More Arkansas credit unions](https://rateapi.dev/credit-unions/arkansas) [Arkansas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/arkansas) [Arkansas personal loan leaders](https://rateapi.dev/personal-loan-rates/arkansas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://naturalstatefcu.net/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Natural State Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Arkansas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Natural State Credit Union curl "https://api.rateapi.dev/credit-unions/arkansas /natural-state " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Natural State Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/arkansas/natural-state Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp