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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 River Town Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
River Town Federal Credit Union's 12 1-Year CD rates are at 3.25%, 24 2-Year CD rates are at 3.00%, 36 3-Year CD rates are at 3.00%, 6-Month CD rates are at 2.00%. River Town Federal Credit Union's savings rates are at 0.15%. River Town Federal Credit Union's money market rates are at 0.85%. River Town Federal Credit Union's Personal Loan Rates are at 8.00%. MonitorBankRates evaluates the financial stability of River Town Federal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/18/2026. River Town Federal Credit Union 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 River Town Federal Credit Union? Share your experience about River Town Federal Credit Union by leaving a review below, or read customer reviews before you decide to use River Town Federal Credit Union. River Town Federal Credit Union
RIVERTOWN 1001 S 21st St
https://www.rivertownfcu.org FORT SMITH, AR 72901 4007 
River Town Federal Credit Union CD Rates
River Town Federal Credit Union Savings Rates
River Town Federal Credit Union Money Market Rates
River Town Federal Credit Union Auto Loan Rates
River Town Federal Credit Union Credit Card Rates
River Town Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for River Town Federal Credit Union 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 River Town Federal Credit Union 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 River Town Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
River Town Federal Credit Union
Website
https://www.rivertownfcu.org
Address
1001 S 21st St,
FORT SMITH, AR 72901 4007
Phone
479-784-5600
Fax
479-784-5606
President
William Loyd
CEO
Dianna Sharum
Full-Time Employees
5
Part-Time Employees
3
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
0.1786%
Return on Equity (ROE)
1.1819%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
14,103,832
Total Amount of Shares and Deposits
11,655,843
Total Shares and Deposits < 1 Year
11,562,461
Total Shares and Deposits 1 3 Years
93,382
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
101,684
Total Uninsured Shares and Deposits > $250K (F+J)
101,684
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,554,159
Total Interest Expense (Sum of items 6 8)
75,276
Share Certificates
26
Number of Accounts for Share Drafts
1,073
IRA KEOGH Accounts
77
Number of Accounts for Regular Shares
2,821
All other shares
20
Money Market Shares
90
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,054,200
Total Liabilities
11,734,536
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About River Town Federal Credit UnionIs River Town Federal Credit Union a safe place to deposit money?Yes, River Town Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does River Town Federal Credit Union operate?River Town Federal Credit Union 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 River Town Federal Credit Union?Yes, to access services at River Town Federal Credit Union, 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, River Town Federal Credit Union 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, River Town Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does River Town Federal Credit Union offer online and mobile banking?Most modern institutions like River Town Federal Credit Union 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: https://www.rivertownfcu.org. Current River Town Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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