M

Credit Cards · Fort Smith, Arkansas

Best Credit Union Credit Card Rates in Fort Smith, Arkansas

2 credit unions in Fort Smith report credit card APRs to the NCUA. Rates range from 8.15% to 11.90%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

8.15%

Lowest Card APR

10.03%

City Average APR

Credit Card APRs — Fort Smith, Arkansas

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1ARKANSAS BEST

★ 4.6 · 258 reviews

8.15%11.00%
2RIVER TOWN11.90%10.44%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Fort Smith could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Fort Smith credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Also Compare in Fort Smith

Best Car Loan Rates →Best Personal Loan Rates →All of Arkansas →

Browse All Credit Unions in Fort Smith

See member reviews, branch locations, and full rate details.

Credit Unions in Fort Smith →All of Arkansas →