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ABOUT US

Your Friends. Your Neighbors.
Your Team.

Cotton Belt Federal Credit Union started with a simple mission – to make your life better by providing affordable financial products and services.

We’ve been part of the community since 1936, and we’re proud to live our mission every day, side by side with you.

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WHY WE ARE THE BEST

What Makes Cotton Belt FCU different?

  • Not-for-Profit
    We’re all about people helping people. As a credit union, our focus is on supporting you—not making a profit. We’re here to be on your side every step of the way.
  • Member Owned
    When you join, you’re more than a customer, you’re a member-owner. That means you have a say in how we operate, and our only goal is to serve you—not shareholders.
  • Local Lending Decisions
    No national banks, no red tape. Our team lives and works right here in your community, so we understand your needs and make decisions locally.
  • Friendly, Honest Support
    As a member, you’re part of our family. Whether you’re buying your first car or planning your future, our experts are here to guide you with care and honesty.
  • Better Rates and Terms
    Get all the products and services you’d expect from big banks—but without the high rates, tricky terms, or hidden fees.
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"I recently moved to Pine Bluff and was looking for a local bank that offered more than just a number on a list. Cotton Belt FCU in White Hall exceeded my expectations. From the warm welcome by the staff to the personalized service, I felt genuinely cared for. Their team worked together seamlessly, especially Haley and Morgan, who guided me through every step. They made achieving my financial goals a reality, not just a dream. Exceptional service and heart-filled support—highly recommended!"

Mr. Marke Josefer

CEO, PSDBOSS
LEARN MORE ABOUT COTTON BELT FCU

Why Our Members Love Banking with Us

We hear it all the time—our members choose us because we make their lives easier and their finances stronger.

We help them build their credit score with a Credit Builder loan or save on fees with a Free Checking account or one of the countless other services we’re proud to offer, including:

Competitive Mortgages

Whether you’re buying your first home or refinancing, we offer home loan options with competitive rates, special programs for first-time buyers, and VA loans for veterans.

Easy Account
Access

Manage your money your way. Visit a local branch or enjoy the convenience of online banking to handle all your accounts anytime, anywhere.

Overdraft
Protection

Life happens, and we’ve got your back. With Courtesy Pay, you’re protected from overdrawing your account and facing steep fees.