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COMBINED

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COMBINED Rates & Review August 2026

Q: How many branches does COMBINED operate?

COMBINED currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join COMBINED?

Yes, to access services at COMBINED, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, COMBINED does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, COMBINED provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

COMBINED rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not COMBINED, and you can see how they compare in the COMBINED rate tables below. MonitorBankRates evaluates the financial stability of COMBINED with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.97%. Database rates last updated and verified on 08/29/2026.

COMBINED money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at COMBINED? Share your experience about COMBINED by leaving a review below, or read customer reviews before you decide to use COMBINED.

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

15.97%

Good Higher than avg

COMBINED
CREDIT UNION

203 NASH ST
HOT SPRINGS, AR 71913

http wwwcombinedfcuorg

Current Rate Availability

We're not currently displaying rates for COMBINED, but our database is updated constantly — check back soon for the latest offers.

Are you with COMBINED? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for COMBINED is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather COMBINED rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with COMBINED's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name COMBINED

Website http wwwcombinedfcuorg

Address 203 NASH ST, HOT SPRINGS, AR 71913

Phone 501-623-7004

Fax 501-624-7068

President NANCY MEEKER

CEO Sharon Hearnsberger

Full-Time Employees 4

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A- (91/100)

Texas Ratio

15.97%

Return on Assets (ROA)

0.6173%

Return on Equity (ROE)

4.9920%

Non-Performing Loans Ratio (NPL)

2.52%

Total Assets

9,062,118

Total Amount of Shares and Deposits

7,901,503

Total Shares and Deposits < 1 Year

7,901,503

Total Insured Shares and Deposits > $250K (item 17 less item K)

7,901,503

Total Interest Expense (Sum of items 6 8)

97,963

Share Certificates

Number of Accounts for Share Drafts

801

Number of Accounts for Regular Shares

1,879

Non Member Deposits

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

789,453

Total Liabilities

7,941,449

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About COMBINED

How many branches does COMBINED operate?

COMBINED currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join COMBINED?

Yes, to access services at COMBINED, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, COMBINED does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, COMBINED provides members with tools to manage their accounts and build a solid financial history.

Does COMBINED offer online and mobile banking?

Most modern institutions like COMBINED provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http wwwcombinedfcuorg.