Cotton Belt

1703 RIVER PINES BLVD, Pine Bluff, AR 71601

NCUA Insured3.4 (24 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Membership is typically limited to employees of specific companies or industries. Contact the credit union directly to confirm whether you qualify.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1936

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

1703 RIVER PINES BLVD

Pine Bluff, AR 71601

Google Maps 🗺Waze

(870) 535-6365

Service Area

This credit union is located in Pine Bluff and serves members in the AR area. Currently serving 5,766 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.74%

Used Auto Loan

8.33%

Personal Loan

12.05%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AR

Lowest rates currently reported by credit unions in AR (NCUA Q4 2025).

Arkansas Kraft Employees— New Auto Loan

Morrilton, AR

3.50%

Arkansas— Used Auto Loan

Little Rock, AR

3.99%

Dillard'S— Personal Loan

Little Rock, AR

7.81%

Dillard'S— Credit Card APR

Little Rock, AR

7.69%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.4

24 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Chris Reynolds

4 months ago

Great organization led and ran by great people. Totally recommend!

Gwen Carson

3 years ago

I recently moved to Pine Bluff, AR from Texas and was in need of a local bank. But, not just any bank where I would be a number or a quota met! My desire was to establish a long lasting, enjoyable personal and financial relationship. I know, expecting this from a financial institution, some would say, is a delusional expectation.....or just a dream!! Yet, I began my search online and to my surprise there were so many banks here. I had to narrow my choices and did so by reading the reviews. The Pine Bluff Cotton Belt Credit Union located in White Hall, per my research, ranked far above it's competitors. From the initial phone calls with Ms. Christi and Ms. Kathy, to the warm greeting as I entered the doors was so comforting. Ms. Haley McCall, New Accounts Specialist, patiently, yet exuberantly, educated me on all the amenities her CU had to offer! She sealed it for me! But, there's more! I was introduced to Ms. Morgan Menard, who I didn't know, at that time was the Branch Manager. This, small framed, young woman with an amazingly huge heart, and never-ending drive of enthusiasm and optimism worked tirelessly in helping me to achieve goals that I could not have imagined! She made it all make sense, the HEART of this location...."As, the head goes, so goes the body"! I watched as this team of exceptional individuals worked together in unity to achieve a common goal...helping me to obtain MINE! This PBCBCU in White Hall, Ar, embodies the spirit of EXCELLENCE: exceptional customer service, symmetry, and atmosphere, with a caring heart! My experience far exceeded the reviews I read online and my own expectations! Delusional, no...dream, no.... REALITY, yes...at PBCBCU, White Hall Ar! With sincere gratitude and appreciation, thank you, my PBCBCU family!