Rt Federal Credit Union

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

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

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

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 19, 2026

How these figures are measured

Call-report figures are for Rt Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Rt Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 19, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Rt Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $17K in Q2 2026, 31% above the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

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.

Fee income beside fee prices

Fee income rose 42% from Q3 2025 to Q2 2026, to $17K.

Fee income, Q2 2026

$17K

$12KQ3 2025

$14KQ4 2025

$13KQ1 2026

$17KQ2 2026

Against the median

Rt Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Rt Federal Credit Union · $59M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$58M to $60M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Rt Federal Credit Union(this institution)	Rome, NY	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Access Federal Credit Union	Broadview, IL	$58M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Acclaim Federal Credit Union	Greensboro, NC	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Lake Federal Credit Union	Lakewood, WA	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Baton Rouge City Parish Emp Federal Credit Union	Baton Rouge, LA	$58M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gratiot Community Federal Credit Union	Alma, MI	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Green River Area Federal Credit Union	Owensboro, KY	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthnet Federal Credit Union	Cordova, TN	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Horizon Federal Credit Union	Macon, MO	$59M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Horizon Federal Credit Union	Kingsport, TN	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Joplin Metro Federal Credit Union	Joplin, MO	$58M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lm Federal Credit Union	Baltimore, MD	$60M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Loudoun Credit Union	Leesburg, VA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metco Federal Credit Union	Cedar Rapids, IA	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mill Town Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Motion Federal Credit Union	Linden, NJ	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
My Federal Credit Union	Haslet, TX	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
New Century Federal Credit Union	Joliet, IL	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Nordstrom Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Notre Dame Community Federal Credit Union	Fall River, MA	$58M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pennstar Federal Credit Union	Hermitage, PA	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Promedica Federal Credit Union	Toledo, OH	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Remington Federal Credit Union	Ilion, NY	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Saratoga'S Community Federal Credit Union	Saratoga Springs, NY	$58M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Select Federal Credit Union	San Antonio, TX	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Summit Federal Credit Union	Akron, OH	$59M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Rt Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $4.06 among 8 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Rt Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Rt Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Rt Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $17K
vs prior quarter: +$4K+30.8%; from Q1 2026
vs a year earlier: +$4K+30.8%; from Q2 2025
vs start of range: +$3K+21.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Rt Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$17K	+$4K	+30.8%
Q1 2026	$13K	−$1K	−7.1%
Q4 2025	$14K	+$2K	+16.7%
Q3 2025	$12K	−$1K	−7.7%
Q2 2025	$13K	+$2K	+18.2%
Q1 2025	$11K	−$2K	−15.4%
Q4 2024	$13K	−$1K	−7.1%
Q3 2024	$14K	$0	0.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

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.

Fee change alerts

Get an email when Rt Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.