Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $300M to $1B

R.I.A. Federal Credit Union

Rock Island, IllinoisCredit UnionChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closed Within 90 Days of Opening$20Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=early_closure; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Account Closed Within 90 Days of Opening $20.00" · Source

Account Reconciliation and/or Account Research (Per Hour)$20

At the national median

Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=account_research; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Account Reconciliation and/or Account Research (Per Hour) $20.00 plus $2.00 per page" · Source

Bad Address Fee$5

$15 below the national median

Dividend Checking Account Low Balance Fee (per Month)$5

$1 below the national median

per month · Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=minimum_balance; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Dividend Checking Account Low Balance Fee (per Month) $5.00" · Source

ID Theft Monthly Fee (Optional Program)$1

$5.13 below the national median

per month · Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=monthly_maintenance; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="ID Theft Monthly Fee (Optional Program) $1.00" · Source

Overdraft & NSFVerified

Insufficient Funds Charge External Withdrawal (Returned)$29.50Within the typical range ($25–$32 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=nsf; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Insufficient Funds Charge External Withdrawal (Returned) *** $29.50" · Source

ATM & CardVerified

Monthly Foreign ATM Transactions Over Six (Per Item)$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=atm_non_network; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Monthly Foreign ATM Transactions Over Six (Per Item) $1.00" · Source
Replacement or Additional Card$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=card_replacement; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Replacement or Additional Card $10.00" · Source

Wire TransfersVerified

Wire Transfer (Outgoing Domestic)$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=wire_domestic_outgoing; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Wire Transfer (Outgoing Domestic) $25.00" · Source

Check ServicesVerified

Corporate Check (Payee Other Than Member)$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=cashiers_check; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Corporate Check (Payee Other Than Member) $5.00" · Source
Stop Payment on an Item$29.50Within the typical range ($20–$30 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=stop_payment; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Stop Payment on an Item $29.50" · Source

Digital & ElectronicVerified

Bill Payment Expedited Electronic Payment$5Within the typical range ($0–$12.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=bill_pay; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Bill Payment Expedited Electronic Payment $5.00" · Source
Bill Payment Expedited Paper Payment$25Above the typical range ($0–$12.50 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=bill_pay; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Bill Payment Expedited Paper Payment $25.00" · Source

Cash & DepositVerified

Negotiated/Deposited Item Return Fee$29.50Above the typical range ($9.50–$25 nationally)
$14.50 above the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=deposited_item_return; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Negotiated/Deposited Item Return Fee $29.50" · Source

Account ServicesVerified

Garnishment or Levy$75Within the typical range ($25–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=garnishment_levy; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Garnishment or Levy $75.00" · Source
Verification of Deposit Completion Fee$25Above the typical range ($5–$16.13 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=account_verification; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Verification of Deposit Completion Fee $25.00" · Source

Lending FeesVerified

Loan Extension Agreement$30Within the typical range ($25–$50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=loan_origination; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Loan Extension Agreement $30.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed Within 90 Days of Opening	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=early_closure; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Account Closed Within 90 Days of Opening $20.00"	Source
Account Reconciliation and/or Account Research (Per Hour)	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=account_research; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Account Reconciliation and/or Account Research (Per Hour) $20.00 plus $2.00 per page"	Source
Bad Address Fee	$5Below the typical range ($15–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=account_research; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Bad Address Fee $5.00"	Source
Dividend Checking Account Low Balance Fee (per Month)	$5Within the typical range ($5–$12.25 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=minimum_balance; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Dividend Checking Account Low Balance Fee (per Month) $5.00"	Source
ID Theft Monthly Fee (Optional Program)	$1Below the typical range ($4–$12.63 nationally)	$5.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=monthly_maintenance; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="ID Theft Monthly Fee (Optional Program) $1.00"	Source
Overdraft & NSFVerified
Insufficient Funds Charge External Withdrawal (Returned)	$29.50Within the typical range ($25–$32 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=nsf; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Insufficient Funds Charge External Withdrawal (Returned) *** $29.50"	Source
ATM & CardVerified
Monthly Foreign ATM Transactions Over Six (Per Item)	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=atm_non_network; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Monthly Foreign ATM Transactions Over Six (Per Item) $1.00"	Source
Replacement or Additional Card
Wire TransfersVerified
Wire Transfer (Outgoing Domestic)	$25Within the typical range ($20–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=wire_domestic_outgoing; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Wire Transfer (Outgoing Domestic) $25.00"	Source
Check ServicesVerified
Corporate Check (Payee Other Than Member)	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=cashiers_check; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Corporate Check (Payee Other Than Member) $5.00"	Source
Stop Payment on an Item
Digital & ElectronicVerified
Bill Payment Expedited Electronic Payment	$5Within the typical range ($0–$12.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=bill_pay; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Bill Payment Expedited Electronic Payment $5.00"	Source
Bill Payment Expedited Paper Payment
Cash & DepositVerified
Negotiated/Deposited Item Return Fee	$29.50Above the typical range ($9.50–$25 nationally)	$14.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=deposited_item_return; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Negotiated/Deposited Item Return Fee $29.50"	Source
Account ServicesVerified
Garnishment or Levy	$75Within the typical range ($25–$75 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=garnishment_levy; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Garnishment or Levy $75.00"	Source
Verification of Deposit Completion Fee
Lending FeesVerified
Loan Extension Agreement	$30Within the typical range ($25–$50 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #5953. canonical_hint=loan_origination; text_hash=5841c524b584d050bcfd98720ac05f662ab8442bec0a39b55c434ff9139e0b24; excerpt="Loan Extension Agreement $30.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $29.50

NSF fee is aligned with the national median

Total fees: 17 — leaner than most institutions

Verified fees

Under review

Assets

$749.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$749.1M

Total deposits

$692.1M

Service charge income (year to date)

$1.2M

Fee income ratio

5.5%

Return on assets

0.36%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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