Fort Smith AR Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Arkansas, your trusted partner in financial growth since 1956! Located at 7887 Phoenix Ave, Fort Smith, AR 72903, our branch is dedicated to providing exceptional banking services tailored to meet the needs of our community. With a total membership of over 161,865 members and assets exceeding $2.5 billion, we take pride in being a cornerstone of financial stability and support for individuals and families alike. At Arkansas, we understand that every member's journey is unique. That's why we offer a variety of services, including personal banking, auto loans, mortgages, and business financing options. Our commitment to serving you goes beyond just transactions; it's about building relationships based on trust and reliability. Under the leadership of our CEO, Rodney Showmar, and Board President, Jon Moore, our team is here to help you navigate your financial landscape with confidence. While members can visit us at our Fort Smith branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 9, Jacksonville, AR 72078. Whether you're looking to apply for a new loan or simply have questions about your account, don't hesitate to reach out! You can contact us at 501-982-1000 during our lobby hours from 9:00 a.m. to 6:00 p.m., Monday through Friday. Join us today and experience the difference at Arkansas where your financial goals become our priority! Visit us online at afcu.org for more information on membership eligibility and account openings.

Branch History & Mission

Community Commitment

We understand that a credit union is only as strong as its community connections. That's why Arkansas actively engages in outreach efforts and partnerships aimed at uplifting the residents of Fort Smith. From sponsoring local events to collaborating with schools for educational programs, we strive to make a positive impact where it matters most. In addition to traditional banking services, we're proud to offer digital advancements like online banking and mobile payments for your convenience. Whether you prefer visiting us in person or managing your finances from home, we've got you covered.

Join Us Today

As we continue this journey together, we invite you to become part of the Arkansas family. Experience firsthand how our dedicated team can help you achieve your financial goals while contributing to the greater good of our community. Visit us today or call us at (501) 982-1000 for more information about how you can benefit from membership with Arkansas. Together, let's build a brighter future!

Our Mission

The mission of Arkansas is simple yet powerful: to provide exceptional financial services while fostering a sense of community and belonging among our members. We believe that everyone deserves access to quality banking services, which is why we focus on offering personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our commitment extends beyond transactions; we aim to empower individuals and families by promoting financial literacy and stability. While members can visit us at 7887 Phoenix Ave Fort Smith Ar 72903, official correspondence should be sent to PO Box 9, Jacksonville, AR 72078. This dual approach ensures that your communications reach us without delay.

Branch Location & Accessibility

Welcome to the Arkansas Fort Smith Branch, conveniently located at 7887 Phoenix Ave, Fort Smith, AR 72903. Our branch is designed to make your banking experience as easy and accessible as possible. Whether you're a long-time member or new to our community, we invite you to visit us and discover all that we have to offer. While you can find us at our main location on Phoenix Ave, please note that official correspondence should be sent to our mailing address: PO Box 9, Jacksonville, AR 72078. This ensures that your important documents reach us promptly. Situated near popular landmarks in Fort Smith, such as the Riverfront Park and the local shopping centers, our branch is easy to reach. We offer ample parking for your convenience, and our facility is equipped with ADA-compliant features to assist all members of the community. Our lobby hours are welcoming and convenient, open from 9:00 a.m. to 6:00 p.m., Monday through Friday. If you're in a hurry, take advantage of our drive-thru banking services for quick deposits and withdrawals without leaving your vehicle. For those who prefer automated banking, we also provide ATM access for cash withdrawals and balance checks. At the Arkansas Fort Smith Branch, we pride ourselves on offering a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is here to help you every step of the way. If you have any questions or need assistance, don't hesitate to reach out. You can call us at 501-982-1000. We look forward to welcoming you into our branch soon!

Member Eligibility

Joining the community at Arkansas is an exciting step toward better financial well-being! To become a member, you simply need to meet a few friendly criteria. If you live, work, or worship in the areas served by us, you're likely eligible. We also welcome family members of existing members, making it easy for everyone to benefit from our supportive services. Embracing membership means enjoying a range of advantages like personalized banking solutions and competitive loan rates that help you achieve your financial goals. To start your journey with us, check out the details on our eligibility requirements at http://www.afcu.org/membership/ . When you're ready to open your account, the process is straightforward just visit http://www.afcu.org/apply-credit-card/ to get started. If you have any questions or need assistance, don't hesitate to call us at (501) 982-1000. We can't wait to welcome you into our family at Arkansas, located at 7887 Phoenix Ave Fort Smith Ar 72903!

Business Banking & Commercial Services

At Arkansas in Fort Smith, AR, we understand that every business has unique needs. Whether you're launching a new venture or expanding an existing one, having the right financial support can make all the difference. Our commercial loan options are designed to help you achieve your goals, providing the capital necessary for growth and innovation. Imagine this: you're ready to open a new location but need funding for renovations and inventory. With our member commercial loans, we've funded over $780 in loans for businesses just like yours, helping them scale and succeed. We believe in investing in our community. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $265,732,167, we continue to drive economic growth by financing new and expanding businesses. Additionally, our merchant services simplify transactions for your customers, making it easier for you to focus on running your business. From payment processing to cash management solutions, we're here to support your everyday operations. Ready to take your business further? Visit us at 7887 Phoenix Ave Fort Smith Ar 72903 or call us at (501) 982-1000 to learn more about how we can assist you!

Comprehensive List Of Services

Business Banking Support

For our business members, we understand that every dollar counts. That's why we offer merchant services and business loans tailored to support your growth. Whether you're a startup or an established business, our team is here to help you succeed.

Convenient Digital Banking

In today's fast-paced world, convenience is key. At Fort Smith Branch, we provide online and mobile banking services so you can access your accounts anytime, anywhere. From managing transactions to paying bills and transferring funds with ease through person-to-person payments, we ensure that your banking experience fits into your busy lifestyle. Our ATM availability allows for quick cash withdrawals and balance checks whenever you need them.

Easy Access Through Drive-Thru Services

For those on the go, our basic drive-thru banking services enable you to make deposits, withdrawals, and other simple transactions without leaving your vehicle. It's one more way we're committed to making banking easy for our members. Whether you're looking for personal or business financial solutions, Arkansas has everything you need under one roof. If you'd like to learn more about how we can assist you or have any questions about our services, please don't hesitate to reach out at (501) 982-1000. Join us today at Fort Smith Branch, where your financial well-being is our priority!

Flexible Loan Options

Financial challenges can arise unexpectedly, which is why we offer personal loans and debt consolidation options. These services can help you navigate tough times by providing the funds you need to cover expenses or consolidate existing debts into manageable payments. Plus, our credit cards come with rewards, allowing you to earn while you spend.

Personal Banking Made Easy

Our personal banking services are designed with your everyday needs in mind. We offer checking and savings accounts that come with competitive rates and no hidden fees, making it easier for you to manage your money. If you're considering purchasing a new car, our auto loans and vehicle financing options can help you drive away in style without breaking the bank. We also provide mortgage loans and refinancing solutions that can simplify your journey to homeownership.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.afcu.org/ , allows you to view account balances, transfer funds, pay bills, and more all 24/7. You'll never have to wait in line again! And with our mobile application, banking is literally at your fingertips. Whether you're checking your balance or making a quick payment, everything is designed to be user-friendly.

Mobile Payments Made Easy

Need to make a quick purchase? Our mobile payments feature ensures that you can pay for goods and services right from your phone with ease. Whether you're out shopping or grabbing a coffee, managing transactions has never been more straightforward. By choosing Arkansas, you're opting for a banking experience that prioritizes convenience, security, and real-time access to your finances. Join us today and explore all the digital banking options we have to offer!

Real-Time Management

Keeping track of your finances has never been easier. With e-statements available at Yes, you can receive important account updates directly to your email saving trees and keeping your records organized. Plus, our person-to-person transfer feature lets you send money quickly to friends or family without any stress.

Security Features

Security is a top priority for us. Our electronic signature authorization makes it easy to sign documents securely without the hassle of printing or mailing. You can also rest easy knowing that your personal information is protected while using our online services.

Financial Strength

Dedicated Team for Exceptional Service

We also take pride in having 423 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 279,600, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Arkansas is your trusted partner. Visit us at 7887 Phoenix Ave Fort Smith Ar 72903 or call (501) 982-1000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $704,304,887 in share certificates and $336,844,156 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $213,511,839, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Future Growth

With $236,159,191 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This means that every dollar you deposit helps improve the services we offer.

Strong Financial Health

With a net worth of $239,314,152, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $924 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our commitment to lending is evident with $38,947 in used auto loans and $2,248,644,272 in total loans and leases, supporting members' financial goals across various sectors. While our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $869,331,261 in used vehicle loans and $240,898,494 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options that can fit your budget.

Business Solutions

For business owners, our outstanding commercial loans totaling $265,732,167 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today, and we strive to support local entrepreneurs in achieving their vision. At Arkansas, we're committed to serving our community's financial needs with integrity and transparency. For more information about our loan products or to speak with one of our representatives, please call us at (501) 982-1000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're looking for an auto loan, mortgage, or credit card solution, we're here to help you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $178,046,943, make buying or refinancing simple. We provide competitive rates and flexible terms that help ease the path to owning your dream home. If you are considering refinancing, our team is here to guide you through eligibility options and find the best fit for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $50,073,694 in loans helping members manage their finances effectively. These credit cards come with rewards that can benefit your everyday spending while keeping your expenses manageable.

Loan Aggregator

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ARKANSAS

Type of Loan Offerings

Home Equity Loans

Personal Loans