Fort Smith Dixie Cup Federal Credit Union Logo White

Proudly Serving Employees of:

Dixie Cup of Fort Smith

Rock-Tenn of Fort Smith

Savings in a credit union are called shares, because by depositing these funds, you, in essence, own a part of the credit union.

You can open your share account by simply making a deposit of $25.00 or more. Each share account is insured to $250,000.00 by an agency of the United States Government.

Dividends

Quarterly dividends are paid on your shares at the end of March, June, September and December of each year. The dividend rate may vary according to the credit union’s net earnings for each quarter. It should be noted that your shares are fluid every three months. They earn dividends for each month if they remain on deposit through the end of the quarter.

Tax Records

Computer printed statements on account will be mailed to each member just after the end of each quarter. These statements will reflect all share and loan transactions in your account during the quarter. The four statements received each year provide a permanent tax record.

Payroll Deductions

You may want to participate in your company’s payroll deduction plan to increase your credit union shares or to repay a loan. Your paycheck stub reflects each deduction which is forwarded to the credit union. All member accounts accurately record share and loan transactions and produces accounting records.

Current Rates

Share Certificates (minimum of $1,000.00)

Term
6 months
12 months

12 months (over $100,000)

3 months ($5,000)

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

5.00% / 5.1163% APY


5.00& / 5.0837% APY

Share Dividends

Amount
$25 – $100
$100 – $500
$500 – $5000
$5,000 +
Christmas Club
I.R.A’s

Rate
Zero
0.05%
0.50%
0.75%
0.05%
0.50%

New Vehicle & Motorcycle

Credit Score
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5

Rate
5.25%
6.25%
8.00%
10.00%
14.00%

Used Vehicle & Motorcycle

Credit Score
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5

Rate
6.00%
7.00%
9.00%
12.00%
17.00%

Signature Loans

Credit Score
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5

Rate
8.00%
10.75%
14.25%
16.25%
17.75%