--- title: "Two Rivers Credit Union Rates (Nov 2026): Mortgage 7.27%" description: "Two Rivers Credit Union rates today: 30 year fixed mortgage 7.27% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Two Rivers Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/arkansas/two-rivers" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Two Rivers Credit Union Rates (Nov 2026): Mortgage 7.27% ### Mortgage rates 16 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.273% APR | 7.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.500% APR | 7.500% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.386% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.392% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.393% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.750% APR | 6.750% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.018% APR | 6.000% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.259% APR | 6.250% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.625% APR | 6.625% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.015% APR | 7.000% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.375% APR | 7.375% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.379% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.383% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.625% APR | 7.625% | — | Standard | Two Rivers Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Two Rivers Credit Union offers a 30-year fixed mortgage at 7.273% APR (0.228 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/arkansas/two-rivers) , verified from [Two Rivers Credit Union's official website](https://www.tworiversfcu.com/) Best product position **Better than the Arkansas median** 30-year fixed mortgage Gap to state best **9 bp** 9 bp from state best Vs. state median **19 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Arkansas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.27% | Better than the Arkansas median | 9 bp from state best | 19 bp better than median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Two Rivers 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=two-rivers&state=arkansas&code=AR&name=Two%20Rivers%20Credit%20Union) Loading branch locator… ## About Two Rivers Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.4K Assets $14.7M Founded 1970 Locations reported 2 NCUA charter 20114 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Financial education 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. [**Patterson** Main Office · Arkadelphia · AR · 71923 About 3.1 miles away](https://rateapi.dev/credit-unions/arkansas/patterson) [**Garland County Educators** Bank OZK · Hot Springs · AR · 71913 About 26.0 miles away](https://rateapi.dev/credit-unions/arkansas/garland-county-educators) [**Combined** CREDIT UNION · HOT SPRINGS · AR · 71913 About 26.4 miles away](https://rateapi.dev/credit-unions/arkansas/combined) [**River Valley Community** River Valley Community FCU · Camden · AR · 71701-3705 About 37.0 miles away](https://rateapi.dev/credit-unions/arkansas/river-valley-community) [**Arkansas Health Center** ARKANSAS HEALTH CENTER FCU · BENTON · AR · 72015 About 37.8 miles away](https://rateapi.dev/credit-unions/arkansas/arkansas-health-center) [**Alcoa Community** Sheridan Office · Sheridan · AR · 72150-7182 About 40.3 miles away](https://rateapi.dev/credit-unions/arkansas/alcoa-community) 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 Two Rivers Credit Union Membership eligibility from Two Rivers Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Two Rivers Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Two Rivers Credit Union's membership page](https://www.tworiversfcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Two Rivers Credit Union Schools 1 published path to membership, last verified August 21, 2026, quoted from Two Rivers Credit Union’s own published criteria. ### Schools 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Henderson State University “Membership is open to individuals affiliated with: Henderson State University” > [source ↗](https://www.tworiversfcu.com/) - Student at Henderson State University 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 Two Rivers Credit Union? Yes No ## Work at Two Rivers 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 Two Rivers Credit Union ranks against Arkansas peers. - See which AI assistants fetched Two Rivers 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=two-rivers&state=arkansas&code=AR&name=Two%20Rivers%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Two Rivers Credit Union offer? Two Rivers Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Two Rivers Credit Union rates updated? RateAPI verifies Two Rivers 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 Two Rivers Credit Union's rate data? Rate data is collected directly from Two Rivers 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 Two Rivers Credit Union's mortgage rate? As of November 12, 2026, Two Rivers Credit Union offers a 30-year fixed mortgage at 7.273% APR. ### Who can join Two Rivers Credit Union? Two Rivers Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 school for Two Rivers Credit Union, each quoted from Two Rivers Credit Union's own published membership criteria. ## Related Rate Data Compare Two Rivers Credit Union's rates against national credit-union benchmarks. [More Arkansas credit unions](https://rateapi.dev/credit-unions/arkansas) [Arkansas mortgage rate leaders](https://rateapi.dev/mortgage-rates/arkansas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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://www.tworiversfcu.com/) ### 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 Two Rivers 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 Two Rivers Credit Union curl "https://api.rateapi.dev/credit-unions/arkansas /two-rivers " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Two Rivers Credit Union locations Search, filter, and browse all 2 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/two-rivers Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp