--- title: "River Town Credit Union Rates: CDs to 0.15%, Vehicle 4.50%" description: "River Town Credit Union rates today: vehicle loans from 4.50% APR, savings & CDs up to 0.15% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join River Town Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/arkansas/river-town" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # River Town Credit Union Rates: CDs to 0.15%, Vehicle 4.50% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Auto Loan** auto_any | 4.500% APR | 4.500% | any | Standard | | **Refinanced Vehicles Loan** auto | — APR | 4.500% | — | Standard | | **RVs, Boats, ATVs, Motorcycle Loan** rv | — APR | 6.000% | — | Standard | River Town Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured Loan** personal_secured | — APR | 3.000% | — | Standard | | **Seasonal Special Personal Loan** personal_unsecured | — APR | 8.000% | — | Standard | River Town Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 10.900% | — | Standard | | **APR* for Balance Transfers or Cash Advances** credit_card_balance_transfer | — APR | 12.900% | — | Standard | River Town Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Regular Savings** savings | 0.15% APY | 0.15% | — | Standard | | **Health Savings Account** savings | — APY | 0.25% | — | Standard | | **Christmas Club 2** savings | — APY | 0.35% | — | Specialty offer | | **Variable IRA Shares (up to $4,999.99)** ira | — APY | 0.50% | — | Standard | | **Money Market Super Share (up to $49,999.99)** money_market | — APY | 0.85% | — | Standard | | **Variable IRA Shares ($5,000 – $49,999.99)** ira | — APY | 1.00% | — | Standard | | **Variable IRA Shares ($50,000 – $99,999.99)** ira | — APY | 1.10% | — | Standard | | **Variable IRA Shares ($100,000 and up)** ira | — APY | 1.15% | — | Standard | | **Money Market Super Share ($50,000 – $99,999.99)** money_market | — APY | 1.20% | — | Standard | | **Money Market Super Share ($100,000 – $249,999.99)** money_market | — APY | 1.25% | — | Standard | | **Money Market Super Share ($250,000 and up)** money_market | — APY | 1.35% | — | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 2.00% | 6 mo | Context only | | **36-Month Certificate** share_certificate_36mo | — APY | 3.00% | 36 mo | Context only | | **24-Month Certificate** share_certificate_24mo | 3.00% APY | 3.00% | 24 mo | Context only | | **12-Month Certificate** share_certificate_12mo | — APY | 3.25% | 12 mo | Context only | River Town Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Annual Percentage Rate (APR)* for Purchases** other | 12.900% % | 12.900% | — | Standard | River Town Credit Union other rates as of November 13, 2026 Vehicle loans available from 4.5% APR. Savings and certificate yields up to 0.15% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/arkansas/river-town) , verified from [River Town Credit Union's official website](https://rivertownfcu.org/) Loading branch locator… ## About River Town Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.4K Assets $13.8M Founded 1958 Locations reported 1 NCUA charter 24257 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Bilingual services - 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. [**Baptist Health** BH Ft.Smith Office · Fort Smith · AR · 72901 About 0.8 miles away](https://rateapi.dev/credit-unions/arkansas/baptist-health) [**Arkansas Best** Corporate Office · Fort Smith · AR · 72903 About 1.7 miles away](https://rateapi.dev/credit-unions/arkansas/arkansas-best) [**Red River Employees** Fort Smith AR Office · Fort Smith · AR · 72903 About 1.7 miles away](https://rateapi.dev/credit-unions/texas/red-river-employees) [**Fort Smith Teachers** Main Office · Fort Smith · AR · 72903-3233 About 2.4 miles away](https://rateapi.dev/credit-unions/arkansas/fort-smith-teachers) [**United** Rogers Avenue - Branch 2 · Fort Smith · AR · 72903-3838 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/united) [**Multi-States** Fort Smith AR · Fort Smith · AR · 72903 About 3.6 miles away](https://rateapi.dev/credit-unions/missouri/multi-states) 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 River Town Credit Union Membership eligibility from River Town Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on River Town Credit Union's website. Check the membership page below to confirm whether you qualify. - Location sebastian, crawford, sequoyah — AR, OK Verified from [River Town Credit Union's membership page](https://rivertownfcu.org/about) . Final membership determination is always made by the credit union. ## Membership rules for River Town Credit Union Geography 3 counties 15 published paths to membership, last verified August 27, 2026, quoted from River Town Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Crawford County, AR - Sebastian County, AR - Sequoyah County, OK “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Sebastian County, AR” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) 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 River Town Credit Union? Yes No ## Work at River Town 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 River Town Credit Union ranks against Arkansas peers. - See which AI assistants fetched River Town 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=river-town&state=arkansas&code=AR&name=River%20Town%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does River Town Credit Union offer? River Town Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are River Town Credit Union rates updated? RateAPI verifies River Town Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get River Town Credit Union's rate data? Rate data is collected directly from River Town Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are River Town Credit Union's auto & rv loan rates? As of November 13, 2026, River Town Credit Union offers vehicle loans from 4.5% APR. ### What is River Town Credit Union's best CD rate? As of November 13, 2026, River Town Credit Union offers savings and certificate (CD) yields up to 0.15% APY. ### Who can join River Town Credit Union? River Town Credit Union publishes its membership criteria on its own website. RateAPI tracks 15 published membership paths covering 3 counties for River Town Credit Union, each quoted from River Town Credit Union's own published membership criteria. ## Related Rate Data Compare River Town 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://rivertownfcu.org/) ### 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 River Town 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 River Town Credit Union curl "https://api.rateapi.dev/credit-unions/arkansas /river-town " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## River Town 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/river-town Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp