Auto Loans · Fort Smith, Arkansas
3 credit unions in Fort Smith report car loan rates to the NCUA. Rates range from 4.74% to 5.71%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.15%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ARKANSAS BEST ★ 4.6 · 258 reviews | 4.74% | 4.74% |
| 2 | FORT SMITH TEACHERS ★ 4.5 · 8 reviews | 4.99% | 7.99% |
| 3 | RIVER TOWN | 5.71% | 1.85% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RIVER TOWN | 1.85% | 5.71% |
| 2 | ARKANSAS BEST ★ 4.6 · 258 reviews | 4.74% | 4.74% |
| 3 | FORT SMITH TEACHERS ★ 4.5 · 8 reviews | 7.99% | 4.99% |
A pre-approval from a Fort Smith credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Fort Smith in the same window and take the best offer.
See member reviews, branch locations, and full rate details.