Best Banks & Credit Unions in Fort Smith, Arkansas
Banks and credit unions serving Fort Smith, Arkansas. Compare up to 0.35% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Fort Smith, Arkansas. All rankings inherit from the Arkansas state directory. Every institution listed is licensed to serve Fort Smith residents and is either headquartered in Arkansas or operates branches in the metro.
Top options in Fort Smith
- Arkansas Federal Credit Union: 4.25% APY. 24-month 24-71 Month Certificate: $1,000 minimum deposit; the page publishes no plain 12-month rate, only a 12-month special, so the nearest standard term (24-71 months) is recorded; certificate rates effective August 1, 2026. Read Sep 7, 2026 on afcu.org.
- Barksdale Federal Credit Union: 3.75% APY. 12-month Certificate Account: $1,000 minimum opening deposit; a penalty may be imposed for withdrawing principal before maturity; rates effective as of 11/01/2025. Read Sep 7, 2026 on bfcu.org. Rates as of 2025-11-01 per the page.
- Arkansas Best Federal Credit Union: 3.30% APY. 12-month Share Certificate: $500.00 minimum deposit to open a share certificate account; $500-$999 tier; rates accurate as of 09/01/2026. Read Sep 7, 2026 on abfcu.org. Rates as of 2026-09-01 per the page.
- Orion Federal Credit Union: 2.75% APY. 12-month Share Certificate: Minimum $500 balance; early withdrawal fees apply. Read Sep 7, 2026 on orionfcu.com.
- Telcoe Federal Credit Union: 1.26% APY. Money Market Quarter Plus Account: $0-$2,499 tier; rates are a split rate, so only the funds in each tier earn that tier's rate. Read Sep 7, 2026 on telcoe.com.
- Barksdale Federal Credit Union: 1.26% APY. Money Market: $2,500 < $10,000 tier; rates effective as of 11/01/2025. Read Sep 7, 2026 on bfcu.org. Rates as of 2025-11-01 per the page.
Banks with more than one branch in Fort Smith
Each opens every one of that bank's offices in Fort Smith, with the address of each and what it holds.
Other Arkansas cities
See the full Arkansas banks directory for every institution we've verified in the state, plus the underlying methodology.