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

Introduction

Welcome to River Town Credit Union, your trusted financial partner in the heart of Fort Smith, Arkansas. Located at 1001 S 21St St, we have been serving our community since 1958 with a commitment to providing exceptional banking services tailored to your needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we are here to help you achieve your financial goals. As a member-focused institution, River Town Credit Union proudly serves over 2,653 members and boasts total assets of $17,556,405. With a net worth of $2,143,699, we ensure that your money is secure while offering competitive interest rates on loans and deposits. Our total loans and leases currently stand at 1,003, reflecting our dedication to supporting our members with their borrowing needs. While you can visit us at our branch for all your banking requirements, please note that official correspondence should be sent to our mailing address: PO BOX 305, FORT SMITH, AR 72902. Our friendly staff is ready to assist you Monday through Friday from 7:00 A.M. to 5:00 P.M., making it convenient for you to manage your finances. Led by our dedicated CEO Dianna Sharum and Board President William Loyd, River Town Credit Union values community engagement and aims to make a positive impact on the lives of its members. We pride ourselves on being more than just a financial institution; we are a part of the fabric of Fort Smith. Ready to take the next step? Visit us online at Rivertown FCU or give us a call at 479-784-5600 today! Let's work together towards a brighter financial future!

Branch History & Mission

Community Connections

River Town is more than just a credit union; it's a cornerstone of the Fort Smith community. We take pride in supporting local initiatives and partnering with organizations that share our vision for progress and positivity. Whether it's sponsoring local events or providing financial education workshops, we are dedicated to making a meaningful impact on the lives of those we serve. As we look toward the future, we invite you to join us on this journey. Experience firsthand how being a member of River Town can benefit you and your family whether it's through personalized financial advice or competitive loan products tailored for your needs. Come visit us at 1001 S 21st St, or give us a call at 479-784-5600. Together, let's build a brighter financial future!

Our Journey

Our journey began with a vision to provide accessible and affordable financial services to our community. Over the years, River Town has evolved from a small credit union into a trusted financial partner for many families and individuals in Fort Smith. Our branch is located at 1001 S 21st St, a convenient spot for those living or working nearby. You can also reach us via mail at PO BOX 305, Fort Smith, AR 72902 if you need to send official correspondence. From humble beginnings to becoming an integral part of our community, we have reached several milestones that define who we are today. Our growth reflects not just in numbers but in the relationships we've built with our members. We offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions all designed to meet your unique needs.

Our Mission

At the heart of River Town's mission is a dedication to improving the lives of our members through exceptional service and support. We believe in empowering individuals with the tools they need for financial success while actively engaging in community outreach programs that uplift those around us. Our goal is to create an inclusive environment where everyone can thrive. We understand that accessibility matters. That's why we offer both ATM services and drive-thru banking for your convenience during our operating hours: Monday through Friday from 7:00 AM to 5:00 PM. With online banking options available as well, managing your finances has never been easier.

Branch Location & Accessibility

Welcome to River Town, your friendly neighborhood credit union located at 1001 S 21St St, Fort Smith, AR 72901. Our branch is easily accessible and situated near popular local landmarks, making it a convenient stop for all your banking needs. Whether you're heading to the nearby Fort Smith Park or visiting friends in the area, we're just a short drive away! At River Town, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can visit us comfortably. If you're on the go, take advantage of our drive-thru service, which allows you to complete simple transactions without leaving your car. Our lobby is open Monday through Friday from 7:00 A.M. to 5:00 P.M., giving you ample time to stop by before or after work. If you prefer digital banking, we also offer online and mobile banking services so you can manage your accounts anytime, anywhere. For those who may need cash quickly, we have an ATM available right at our location for easy withdrawals and balance checks. While members can visit us at 1001 S 21St St Fort Smith Ar 72901, official correspondence should be sent to PO BOX 305, Fort Smith, AR 72902. Feel free to give us a call at 479-784-5600 if you have any questions or need assistance. We look forward to welcoming you to River Town!

Member Eligibility

At River Town, we're excited to welcome you into our community of members! Becoming a member is not just about opening an account; it's about joining a supportive family that cares for your financial well-being. To be eligible, you simply need to live, work, worship, or attend school in the Fort Smith area, or have a family member who is already a part of our credit union. This means that if you're in the local community or connected to someone here, you can easily join us! Starting your membership journey at River Town is straightforward and rewarding. You'll gain access to a range of services designed to help you achieve your financial goals, from personal banking options to loans and credit cards with great benefits. If you're ready to take this step, feel free to visit us at 1001 S 21St St Fort Smith Ar 72901 or give us a call at (479) 784-5600 for any questions. For more detailed information about eligibility criteria, check out our website at . We can't wait for you to join our family!

Business Banking & Commercial Services

Financing Your Vision

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make a Difference

In addition to loans, we offer comprehensive merchant services designed to simplify transactions and improve cash flow for your business. Imagine being able to accept payments seamlessly at your storefront or online, giving your customers more ways to shop. Our services enable you to focus on what you do best growing your business while we handle the payment processing. Visit us at 1001 S 21St St Fort Smith Ar 72901 in Fort Smith, AR or call us at (479) 784-5600. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

If you're planning to purchase a new car, our Auto Loans & Vehicle Financing options are designed to help you hit the road without breaking the bank. We offer competitive rates that make it easier for you to drive away in the vehicle of your dreams.

Business Banking Support

Entrepreneurs will find valuable resources in our Business Banking offerings. From Merchant Services to help streamline your transactions to accessible Business Loans, we are dedicated to supporting local businesses and helping them thrive.

Convenient Banking Features

Our commitment extends beyond traditional banking hours. With basic drive-thru banking available for quick deposits and withdrawals, along with basic ATM access for balance checks and cash withdrawals, we prioritize convenience for all our members. In addition to these services, our digital features such as e-statements and secure electronic signatures make managing your finances simpler than ever before. If you're ready to experience financial services tailored just for you, visit us at River Town today or give us a call at (479) 784-5600. Discover how we can assist you in achieving your financial goals!

Credit Cards with Rewards

Enhance your purchasing power with our Credit Cards with Rewards program. Enjoy benefits like cash back or points on every purchase ideal for rewarding yourself while managing everyday expenses.

Home Loans Made Easy

For those considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services provide flexible terms and personalized support throughout the process. Our experienced staff will guide you through each step, ensuring that you understand all your options.

Personal Banking Solutions

Our personal banking options include Checking & Savings Accounts that fit your lifestyle. Imagine having easy access to your money through our Online & Mobile Banking services. You can manage your accounts, make payments, and even transfer funds right from your smartphone. Plus, our ATM & Cash Withdrawal Services ensure that you can get cash when you need it without any hassle.

Personal Loans for Life’s Needs

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come into play. Whether it's for home improvements, medical bills, or consolidating debt into one manageable payment, we're here to help lighten your financial load.

Digital & Online Banking

Access Your Accounts Anytime

With our 24/7 online banking services available at https://rivertownfcu.org/ , you can access your accounts whenever it suits you. Need to check your balance, transfer funds, or pay bills? You can do it all from the comfort of your couch or while you're out running errands. Our user-friendly platform makes it simple to stay on top of your finances.

Enjoy Real-Time Management

Keeping track of your financial health has never been simpler! With features like real-time account updates and notifications, you'll always be informed about your transactions. Whether you're making a quick payment or checking recent activity, you'll have everything right at your fingertips. In today's fast-paced world, having easy access to banking services is essential. At River Town, we're committed to providing tools that empower you to manage your money effectively while ensuring peace of mind. Explore more about our digital banking offerings today!

Go Mobile with Confidence

For those who prefer banking on their smartphones, our mobile application is here to help. You can make person-to-person transfers easily and quickly perfect for splitting dinner bills or sending money to friends. Although we currently do not support mobile payments, our app still offers everything you need to manage your account efficiently.

Secure Transactions Made Easy

Security is a top priority for us. We offer electronic signature authorization, ensuring that your transactions are safe and secure. Plus, with e-statements available, you can view your financial statements online without the clutter of paper. This not only helps keep your information safe but also contributes to a greener planet.

Financial Strength

Commitment to Growth

With $1,898,831 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, as shown by our $357 in used auto loans and $11,507,901 in total loans and leases. Additionally, our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

We also take pride in having 5 full-time employees and 2 part-time employees. Our knowledgeable team is always ready to assist you with personalized service tailored to your needs. Our net shares available for lending and investments stand at $21,237, further illustrating our commitment to providing ample resources for our members' financial aspirations. With a total of 4,471 share accounts, it's clear that more people are trusting us with their finances every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, River Town is your trusted partner. Visit us at 1001 S 21St St Fort Smith Ar 72901 or call (479) 784-5600 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Financial Health

With a net worth of $2,143,699, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation ensures that you can trust us with your finances. Our net worth ratio of $1,221 demonstrates a solid capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Your peace of mind is our top priority.

Member Savings

Members' savings are secured through $680,045 in share certificates and $1,491,896 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members over profits. With non-member deposits at $1,914,948, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,493,084 in used vehicle loans and $2,960,124 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that can fit any budget.

Credit Lines

Need additional flexibility? Our credit lines are available up to $1,000,000, providing you with quick access to funds whenever you need them. This option is perfect for managing unexpected expenses or funding larger projects without the hassle of applying for a traditional loan. At River Town, we believe in empowering our members by offering straightforward solutions with transparent terms. If you're interested in refinancing your current loans or exploring eligibility options for our products, our team is here to assist you every step of the way. For more information about our loan offerings or to speak with one of our representatives, call us at 479-784-5600 or visit us at 1001 S 21St St Fort Smith AR 72901. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $174,740, make buying or refinancing simple. We offer various financing options tailored to first-time buyers as well as those looking to refinance their existing mortgages.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $151,446 in loans helping members manage their finances effectively. These cards come with rewards and no annual fees, making them an excellent choice for everyday purchases.

Loan Aggregator

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RIVER TOWN FEDERAL CREDIT UNION - Fort Smith, AR