COMBINED is an NCUA-insured credit union located in HOT SPRINGS, AR. New auto loan rates from 6.50% APR. Google rating: 4.4 out of 5 from 23 reviews.

Combined

203 NASH ST, Hot Springs, AR 71913

NCUA Insured4.4 (23 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1967

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 1967

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

203 NASH ST

Hot Springs, AR 71913

Google Maps 🗺Waze

(501) 623-7004

Service Area

This credit union is located in Hot Springs and serves members in the AR area. Currently serving 1,773 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

Q1 2026 · NCUA

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

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

6.50%

Used Auto Loan

8.28%

Personal Loan

17.00%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted 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 Q1 2026).

Arkansas Kraft Employees— New Auto Loan

Morrilton, AR

3.50%

River Town— Used Auto Loan

Fort Smith, AR

1.85%

Dillard'S— Personal Loan

Little Rock, AR

7.90%

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)

Compare Rates in Hot Springs

See how COMBINED stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Hot Springs →Best Personal Loan Rates in Hot Springs →Best Credit Card Rates in Hot Springs →All Credit Unions in Hot Springs →

Member Reviews

4.4

23 Google reviews

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

View on Google Maps

Marla Rau (Mar Ra)

a year ago

I love the customer service here. These ladies go out of their way to help and provide all the services you may need! Best bank in town!!

Billy Capshaw

2 years ago

Best credit union I've ever used .The staff is always there when you need them.. I have never had a problem at this Credit Union ever!!!!!!!! Keep up the good work folks I'll see you hopefully soon...

Ashley Bargen

9 years ago

Combined Federal Credit Union makes it easy for me. Whenever I have a situation, they talk me through all of my options and help me decide what is best for me. The staff is always friendly and approachable. Very happy to be a member here.

Patience Schattilly

9 years ago

They are a really great place they've always helped me and I've never gotten any bad vibes from them I personally love them been with them for about 3 years