Natural State

PO BOX 422, Searcy, AR 72145

NCUA Insured5.0 (16 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1956

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

Membership Eligibility

Membership is limited to members of a specific organization, church, union, or association. Contact the credit union to find out which groups 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 1956

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO BOX 422

Searcy, AR 72145

Google Maps 🗺Waze

(501) 268-9301

Service Area

This credit union is located in Searcy and serves members in the AR area. Currently serving 1,209 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

4.00%

Used Auto Loan

5.00%

Personal Loan

15.00%

Credit Card APR

12.90%

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(1 total)

Member Reviews

5.0

16 Google reviews

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

View on Google Maps

Will Smith

3 years ago

The employees here are great! They are very knowledgeable and helpful. The loan process is very simple and they also have very competitive rates. They can finance cars, boats, utvs, tractors, and just about anything else on top of having CD's, checking, savings, and credit cards. I highly recommend Natural State Federal Credit Union for all of your financial needs.

Zack Lewis

3 years ago

Top notch, same day service! Super easy to communicate with and always get you taken care of! Highly recommend trusting Natural State Credit Union with your financial needs!

Brandon Barrentine

3 years ago

Natural state is more than just a credit union to me. While helping with all my financial needs the friendly staff always go out of their way to meet my needs. This place is like family.

Ashleigh Mankey

3 years ago

Fantastic customer service, always friendly and helpful! Excellent communication through all aspects of the banking process. Highly recommend Natural State!