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Two Rivers Federal Credit Union

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Two Rivers Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Two Rivers Federal Credit Union 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: October 13, 2026

Two Rivers Federal Credit Union's top rate as of October 13, 2026 is auto loans from 4.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Two Rivers Federal Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.35%. Rates last updated and verified on 10/13/2026.

Two Rivers 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 Two Rivers Federal Credit Union? Share your experience about Two Rivers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Two Rivers Federal Credit Union.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

21.35%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Two Rivers Federal Credit Union
Two Rivers FCU

204 N 10th St
Arkadelphia, AR 71923-5029

https://www.tworiversfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Two Rivers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.99%
Details As Low As; Competitive Rates: Enjoy some of the lowest rates in the area, starting at 4.99%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Two Rivers Federal Credit Union’s Texas Ratio rose from 19.14% in Q3 2023 to 21.35% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 4.5. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$14M	21.35%	4.5	B
March 31, 2026	$15M	12.18%	5.0	A
December 31, 2025	$16M	20.08%	4.6	B
September 30, 2025	$16M	19.98%	4.6	B
June 30, 2025	$17M	21.11%	4.5	B
March 31, 2025	$13M	20.79%	4.5	B
December 31, 2024	$16M	21.99%	4.4	B
September 30, 2024	$16M	16.13%	4.9	A-
June 30, 2024	$17M	19.80%	4.6	B
March 31, 2024	$18M	21.28%	4.5	B
December 31, 2023	$18M	22.44%	4.4	B-
September 30, 2023	$19M	19.14%	4.7	B

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Two Rivers 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 Two Rivers 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 Two Rivers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Two Rivers Federal Credit Union

Website https://www.tworiversfcu.com

Address 204 N 10th St, Arkadelphia, AR 71923-5029

Phone 870-210-7222

Fax 870-210-7225

President Ron Addington

CEO Nikki Neal

Full-Time Employees 5

Part-Time Employees 3

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.5 / 5.0 ★

Overall Health & Safety Grade

B (84/100)

Texas Ratio

21.35%

Return on Assets (ROA)

-1.2887%

Return on Equity (ROE)

-10.6454%

Non-Performing Loans Ratio (NPL)

3.89%

Total Assets

13,806,029

Total Amount of Shares and Deposits

12,415,658

Total Shares and Deposits < 1 Year

11,612,131

Total Shares and Deposits 1 3 Years

803,527

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

695,515

Total Uninsured Shares and Deposits > $250K (F+J)

695,515

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

11,720,143

Total Interest Expense (Sum of items 6 8)

154,365

Share Certificates

Number of Accounts for Share Drafts

595

Number of Accounts for Regular Shares

1,363

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

-177,917

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)

1,015,172

Total Liabilities

12,134,724

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Two Rivers Federal Credit Union

How many branches does Two Rivers Federal Credit Union operate?

Two Rivers 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 Two Rivers Federal Credit Union?

Yes, to access services at Two Rivers 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, Two Rivers 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, Two Rivers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Two Rivers Federal Credit Union offer online and mobile banking?

Most modern institutions like Two Rivers 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.tworiversfcu.com.