Fort Smith, Arkansas (AR) Savings Rates - March 2026
Brian McKay
Brian McKay
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The best savings rates for Fort Smith, Arkansas and the surrounding area include Red River Employees Federal Credit UnionRed River Employees Federal Credit Union4300 Rogers Ave, Fort Smith, AR 72903A+5.0 ★Texas Ratio: 5.10% IRA Savings at 2.75% APY, River Town Federal Credit UnionRiver Town Federal Credit Union1001 S 21st St, FORT SMITH, AR 72901 4007A+5.0 ★Texas Ratio: 0.00% Variable IRA Shares at 1.15% APY, United Federal Credit UnionUnited Federal Credit Union8900 Jenny Lind Rd, Fort Smith, AR 72908 8628A+5.0 ★Texas Ratio: 3.35% Health Savings Account (HSA) at 1.00% APY, Arkansas Best Federal Credit UnionArkansas Best Federal Credit Union3501 Old Greenwood Rd, Fort Smith, AR 72903A+5.0 ★Texas Ratio: 1.31% IRA Shares at 1.00% APY, and FsnbFsnb2409 E Main St, Russellville, AR 72802A5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Fort Smith, Arkansas, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Fort Smith, Arkansas (AR) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Fort Smith, Arkansas and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Fort Smith, Arkansas & Surrounding Communities
($0 Opening Balance)
Qualifying balance up to $99,999.99
Minimum opening deposit of $50.00 required.
Qualifying balance up to $49,999.99
Minimum opening deposit of $50.00 required.
Minimum opening deposit of $50.00 required.
Qualifying balance up to $4,999.99
Minimum opening deposit of $50.00 required.
($0 Opening Balance)
($5 Opening Balance)
HSA Savings; ($5 Opening Balance)
($0 Opening Balance)
Personal Savings • Anytime Access • No minimum Deposit
Rates effective as of 10/14/2025
A Prime Checking account is required in order to open a Prime Savings account.
Prime Business Savings, when coupled with your Prime Business Checking account, is a fast and easy way to build up your savings account. This account is available to sole proprietorships and non-profit organizations only. _Note: A Prime Business Checking Account is required in order to open a Prime Business Savings account.
0.75% APY for up to $10,000. Variable rate account. Rates subject to change at our discretion and at a frequency determined by us. Minimum of $25.00 to open. A maximum of six preauthorized, automatic, or telephonic withdrawals or transfers per month are allowed. Fees may apply and could reduce earnings on account. Refer to Truth-in-Savings disclosure for complete details. Promotion available for a limited time only. New deposits only.
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $50,000.00 or more
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $5,000.00 to $49,999.99
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances less than $5,000.00
$5 opening deposit required
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Fort Smith, AR Savings Rate Trends
Compare local Fort Smith, AR savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Arkansas high-yield savings rates fell 0.540 points this week to 1.259% APY, down from 1.799% last week.
Arkansas standard savings rates rose 0.007 points this week to 0.288% APY, up from 0.281% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Fort Smith, Arkansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Fort Smith, Arkansas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AR.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Fort Smith, Arkansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Fort Smith, Arkansas safe?
How often do savings rates change in Fort Smith, Arkansas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Fort Smith, Arkansas?
How do I open a savings account in Fort Smith, Arkansas?
Best Savings Rates in Fort Smith, Arkansas
- Red River Employees Federal Credit Union
IRA Savings — 2.75% APY - River Town Federal Credit Union
Variable IRA Shares — 1.15% APY - United Federal Credit Union
Health Savings Account (HSA) — 1.00% APY - Arkansas Best Federal Credit Union
IRA Shares — 1.00% APY - Fsnb
Cents-able Savings — 7.00% APY
