Rt Federal Credit Union

Headquarters: Rome, New York
Charter: Credit Union
Assets: $59.2M
Fed district: New York

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

Overdraft (OD)
Rt Federal Credit Union: $30
Rt Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Rt Federal Credit Union: $30
Rt Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Rt Federal Credit Union: $25
Rt Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York 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).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York 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 Rt Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account Fee (Charged after 1 year of inactivity)$5
per month
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

ACH Overdraft Fee$30
per item
Debit Card Overdraft Fee$30
per item
NSF Fee$30
per item
Returned Item Fee$30
per item

ATM & Card

Card Replacement Fee$15
per item
Rush Card/PIN Fee$45
per item

Wire Transfers

Domestic Outgoing Wire Transfer Fee$25
per item
Wire Transfer Fee (Incoming)$15
per item
International Outgoing Wire Transfer Fee$45
per item

Check Services

Teller's Check (If made payable to other than account owner)$2
per item
Money Order$2
per item
Stop Payment Fee$15
per item
Share Draft Copy$5
per item
Teller's Check copy$5
per item

Cash & Deposit

Deposited Item Return Fee$25
per item

Account Services

Key Replacement$20
Not compared: Box drilling or key fee
Legal Process Fee$25
per item

Gift & Prepaid Cards

VISA Gift Card Fee$4
per item

Other Fees

Statement Copy Fee$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Fee (Charged after 1 year of inactivity)	$5	per month	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
ACH Overdraft Fee	$30	per item	None
Debit Card Overdraft Fee	$30	per item	None
NSF Fee	$30	per item	None
Returned Item Fee	$30	per item	None
ATM & Card
Card Replacement Fee	$15	per item	None
Rush Card/PIN Fee	$45	per item	None
Wire Transfers
Domestic Outgoing Wire Transfer Fee	$25	per item	None
Wire Transfer Fee (Incoming)	$15	per item	None
International Outgoing Wire Transfer Fee	$45	per item	None
Check Services
Teller's Check (If made payable to other than account owner)	$2	per item	None
Money Order	$2	per item	None
Stop Payment Fee	$15	per item	None
Share Draft Copy	$5	per item	None
Teller's Check copy	$5	per item	None
Cash & Deposit
Deposited Item Return Fee	$25	per item	None
Account Services
Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Legal Process Fee	$25	per item	None
Gift & Prepaid Cards
VISA Gift Card Fee	$4	per item	None
Other Fees
Statement Copy Fee	$5	per item	None

Correct a fee source

Oct 19, 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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