Arkansas Federal Credit Union

Headquarters: Little Rock, Arkansas
Charter: Credit Union
Assets: $3.2B
Fed district: St. Louis

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Essential Checking $10 · Elite Checking $15 · Premium Checking $15
Compared at $15, the middle of its prices
Arkansas Federal Credit Union: $10 to $15
Arkansas Federal Credit Union: $10 to $15
U.S. median: no median
NSF / Returned Item
Compared at $32.50, the middle of its prices
Arkansas Federal Credit Union: $30 to $35
Arkansas Federal Credit Union: $30 to $35
U.S. median: no median
Non-Network ATM
Arkansas Federal Credit Union: $1
Arkansas Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Arkansas Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Elite Checking Monthly Fee$15
per month
Essential Checking Monthly Fee$10
per month
Premium Checking Monthly Fee$15
per month
Monthly low balance fee$15
per month
Account Research (per hour min. $5.00)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3

Overdraft & NSF

NSF, Privilege Pay, & Uncollected Funds Fee$35
Return ACH Fee$30
Overdraft Share Transfer$10
Overdraft Transfer from Personal Line of Credit (per transfer, plus applicable interest)$10
per item

ATM & Card

ATM Out of Network Transaction$1
Card Replacement$10
Card Replacement - Rush$35

Wire Transfers

Wire Rate (outgoing)$20
Wire Rate (incoming)$12
Wire Rate International (outgoing)$50

Check Services

Cashier's Check$5
Corporate Check Fee$5
Stop Payment Request$30
Temporary Checks (8 checks)$8
per item
Check Cashing Fee (Members with less than $500 excluding minors)$5
Collection Item Incoming$15
Collection Item Outgoing (plus direct expenses)$15

Digital & Electronic

Bill Payment Rush Payment (electronic)$6.95

Cash & Deposit

Coin Counting (Non-Member) (audience not stated, treated as personal)10%
Credit Card Cash Advance (audience not stated, treated as personal)3%of the advance

Account Services

Notary Fee (Non-Member) (per visit)$5
Drilling Fee$200
Not compared: Box drilling or key fee
Lost Key Fee$25
Not compared: Box drilling or key fee
Safe Deposit Box 10x10x24$105
Safe Deposit Box 3x10x24$45
Safe Deposit Box 3x5x24$30
Safe Deposit Box 5x10x24$60
Safe Deposit Box 5x5x24$40
Safe Deposit Box Late Fee$10
Not compared: Box drilling or key fee
Levy/Garnishment Request$100
Subordination Agreement Fee (Agreement provided by lender)$125
Verification of Deposit$10

Retirement & IRA

IRA Transfer Fee (to other institutions)$25

Other Fees

Overnight Delivery$25
Document Copy$5
Member Faxing Fee (Non-AFCU related)$1
Statement Copy$5
Credit Card Skip Payment Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Elite Checking Monthly Fee	$15	per month	None
Essential Checking Monthly Fee	$10	per month	None
Premium Checking Monthly Fee	$15	per month	None
Monthly low balance fee	$15	per month	None
Account Research (per hour min. $5.00)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Overdraft & NSF
NSF, Privilege Pay, & Uncollected Funds Fee	$35	Not stated	None
Return ACH Fee	$30	Not stated	None
Overdraft Share Transfer	$10	Not stated	None
Overdraft Transfer from Personal Line of Credit (per transfer, plus applicable interest)	$10	per item	None
ATM & Card
ATM Out of Network Transaction	$1	Not stated	None
Card Replacement	$10	Not stated	None
Card Replacement - Rush	$35	Not stated	None
Wire Transfers
Wire Rate (outgoing)	$20	Not stated	None
Wire Rate (incoming)	$12	Not stated	None
Wire Rate International (outgoing)	$50	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Corporate Check Fee	$5	Not stated	None
Stop Payment Request	$30	Not stated	None
Temporary Checks (8 checks)	$8	per item	None
Check Cashing Fee (Members with less than $500 excluding minors)	$5	Not stated	None
Collection Item Incoming	$15	Not stated	None
Collection Item Outgoing (plus direct expenses)	$15	Not stated	None
Digital & Electronic
Bill Payment Rush Payment (electronic)	$6.95	Not stated	None
Cash & Deposit
Coin Counting (Non-Member) (audience not stated, treated as personal)	10%	Not stated	None
Credit Card Cash Advance (audience not stated, treated as personal)	3%of the advance	Not stated	None
Account Services
Notary Fee (Non-Member) (per visit)	$5	Not stated	None
Drilling Fee	$200Not compared: Box drilling or key fee	Not stated	None
Lost Key Fee	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10x24	$105	Not stated	None
Safe Deposit Box 3x10x24	$45	Not stated	None
Safe Deposit Box 3x5x24	$30	Not stated	None
Safe Deposit Box 5x10x24	$60	Not stated	None
Safe Deposit Box 5x5x24	$40	Not stated	None
Safe Deposit Box Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment Request	$100	Not stated	None
Subordination Agreement Fee (Agreement provided by lender)	$125	Not stated	None
Verification of Deposit	$10	Not stated	None
Retirement & IRA
IRA Transfer Fee (to other institutions)	$25	Not stated	None
Other Fees
Overnight Delivery	$25	Not stated	None
Document Copy	$5	Not stated	None
Member Faxing Fee (Non-AFCU related)	$1	Not stated	None
Statement Copy	$5	Not stated	None
Credit Card Skip Payment Fee	$35	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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