Fort Smith Dixie Cup Federal Credit Union Logo White

Proudly Serving Employees of:

Dixie Cup of Fort Smith

Rock-Tenn of Fort Smith

A credit union is a not-for-profit organization that is owned by its members. The primary function of the credit union is to serve its members. Credit unions focus on the needs of all their members, instead of a limited number of shareholders. All members of the credit union have equal voting rights, regardless of the amount on deposit.
Credit unions give a competitive edge to the marketplace by offering favorable rates and services. In turn, they create benefits to consumers of all financial institutions.
Most importantly, you have the ability to put your money where you want. Credit unions typically offer lower fees, higher savings rates, lower loan rates, and more personalized service. Credit unions focus on their members and return their profits to the members by giving higher savings rates and lower loan rates.
All funds deposited at credit unions are federally insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. No member of a federally insured credit union has ever lost any money. Credit unions support the operations of the National Credit Union Share Insurance Fund (NCUSIF) by maintaining deposit with the fund equal to a percentage of their insured savings. If events occurred that caused the NCUSIF equity ratio to fall below 1%, responsibility to immediately replace the funds would lay on credit union–not the taxpayer.
Your savings account (aka share account) establishes your membership with the Credit Union. Once your savings account is opened, you may apply for any other service or loan product we have to offer.

Payoffs can be brought to the Credit Union office, or mailed to the address below:

4411 Midland Blvd
Fort Smith, AR 72904

Our office is open from 7:00 AM – 4:00 PM, Monday-Fridays. Our online banking service allows you to check your balance 24 hours a day and 7 days a week.

Yes, all deposits are effective immediately unless we inform you that there will be a hold placed on the check.

It’s easy to become a member of Fort Smith Dixie Cup Federal Credit Union – any employee of Georgia Pacific (Dixie Cup) or Smurfit Stone of Fort Smith (or any employee’s family member) is eligible to join. The first step in becoming a member is completing a membership application, which you can do by stopping by the office at 4411 Midland Blvd.

To complete the membership application, you will need:

  • A government issued photo identification card from the United States or Mexico
  • To open an interest-bearing account, you will need either a social security number or taxpayer identification number (ITIN) issued in the United States.
  • A minimum of $25 to open a savings account
  • Must be currently employed at either Georgia Pacific (Dixie Cup) or Smurfit Stone in Fort Smith, AR

You can open a savings account with a minimum of $25, which has to stay in the account at all times. There is no monthly fee for a savings account, and you have access to a free ATM card. Once a member, you have access to other savings accounts, checking accounts and low-cost loans.

Fort Smith Dixie Cup Federal Credit Union is a community-based and member-owned financial institution that offers checking and savings accounts, loans and other products that deliver great value and exceptional services to our members. We focus on providing products that are designed specifically for all of our members so that we can help them build assets and achieve financial security. We are here to provide you top notch service, low cost and fair products – all with the goal of helping you achieve your financial goals.

No! You can open a savings account with $25. Once you’re a member, you’re always a member, regardless of where you live or work. As a member, you have access to a wide range of products and services that are low-cost and specifically designed to meet your short term needs and plan for the future. FSDCFCU is committed to serving your needs, regardless of the amount of money in your account.

The credit union offers many types of loans to fit your specific needs. You can pick up and complete a loan application at our office at 4411 Midland Blvd, right next to the entrance to the Dixie Cup plant.

All of our loans are available at very competitive interest rates. Our current rates are listed in the right column of this page. You can also call or come by for a rate sheet.

We aim to deliver high quality products and services at fair and affordable rates. For a complete list of fees associates with our checking, savings and other accounts, please call us at 479.783.3133.

Yes, we are here for you! Stop by our office to find out how we can help you save money on your car loan.

To open an account, you will need to complete a membership application by coming by our office. You will also need a $25 deposit to open your account.

Direct deposit is a safe and convenient way to have your paycheck deposited directly into your account. To enroll, just come by the office, fill out some paperwork, and you’re all set!

To sign up for online banking, go to the “Sign Up for Online Banking” page here. You will need your account number and other personal information to create a User ID and password. Be sure to choose a User ID and password that you can easily remember – you will need them each time you log into online banking.
  • By signing up for online banking, you can have access to your account 24 hours a day, 7 days a week. You will be able to check your account balance online and do many other transactions.

  • You can call us at 479.782.3133 between 7AM and 4PM,  Monday through Friday and one of our representatives will be happy to help you.

To log into online banking, click here. This will take you to the online banking page. You will need your username and password to log into the website. If you have forgotten your password, please call us at 479.782.3133.

To reset your password please call us at 479.782.3133.

Yes, online banking is a safe and convenient way to access your account. There are a couple of things to remember when you use online banking. First, do not share your User ID or password with anyone. Always protect your account numbers, card numbers and PINs (personal identification numbers) and never keep your PIN with your ATM/Debit Card. Also, never share your information with someone over the phone or through email – FSDCFCU has all of your account information and will never ask you for your account number or PIN over the phone or by email. If you suspect unauthorized activity has occurred on your account, please contact us immediately at 479.782.3133.

The main office of Fort Smith Dixie Cup Federal Credit Union is located inside the Dixie Cup plant at 4411 Midland Blvd. Our entrance can be accessed from outside the plant by parking along Midland Blvd and taking the steps down to the credit union entrance (look for the sign with our logo). Our hours are Monday through Friday, 7am to 4pm.

Banks and credit unions are financial institutions that help people keep their money safe. Although the services (checking and savings accounts, loans, etc) that each offers are similar, there are several differences between the two types of financial institutions.

Credit Unions

  • Not-for-profit, membership-based organization
  • Profits are returned to members who “own” the bank
  • Offer free or low cost checking & savings accounts
  • Typically pay higher interest rates that help your savings grow faster


  • For-profit organization
  • Profits are returned to shareholders who “own” the bank
  • Offer free or low cost checking & savings accounts
  • Don’t have as high interest rates for savings but may have more types of accounts for you to save

Current Rates

Share Certificates (minimum of $1,000.00)

6 months
12 months

12 months (over $100,000)

3 months ($5,000)

2.00% / 2.0167% APY
2.75% / 2.7850% APY

5.00% / 5.1163% APY

5.00& / 5.0837% APY

Share Dividends

$25 – $100
$100 – $500
$500 – $5000
$5,000 +
Christmas Club


New Vehicle & Motorcycle

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Used Vehicle & Motorcycle

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Signature Loans

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