R T P Federal Credit Union

Headquarters: Rtp, North Carolina
Charter: Credit Union
Assets: $142.2M
Fed district: Richmond

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
Basic Checking
R T P Federal Credit Union: $5
R T P Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
R T P Federal Credit Union: $32
R T P Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
R T P Federal Credit Union: $32
R T P Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond 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).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 R T P Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly service charge$5
per month
Early Close Fee$25
one time
Account Research or Assistance$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (monthly — excludes Youth Accounts and Credit Cards.)$6
per month
Returned Mail$3

Overdraft & NSF

Courtesy Pay (each item)$32
per item
Non-Sufficient Funds (each item)$32
per item

ATM & Card

After 5 ATM transactions$0.75
per item
Replacement Card (Visa® Debit and Credit Card)$20
Expedited Replacement Cards$45

Check Services

Official Check$3
per item
Money Order$1
Stop Payment (each item)$32
per item
Check Cashing Fee$7.50
per item
Collection Items$5
Foreign Check Processing$45
Copy of Check$2

Account Services

Notary Service$5
per item
Late Payment Fee$15
Not compared: Box drilling or key fee
Safe Deposit Box 10" X 10"$85
Safe Deposit Box 3" X 10"$50
Safe Deposit Box 3" X 5"$35
Safe Deposit Box 5" X 10"$65

Other Fees

Photocopy of Statement$2
Loan Payment by Phone (each pmt.)$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Monthly service charge	$5	per month	None
Early Close Fee	$25	one time	None
Account Research or Assistance	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (monthly — excludes Youth Accounts and Credit Cards.)	$6	per month	None
Returned Mail	$3	Not stated	None
Overdraft & NSF
Courtesy Pay (each item)	$32	per item	None
Non-Sufficient Funds (each item)	$32	per item	None
ATM & Card
After 5 ATM transactions	$0.75	per item	None
Replacement Card (Visa® Debit and Credit Card)	$20	Not stated	None
Expedited Replacement Cards	$45	Not stated	None
Check Services
Official Check	$3	per item	None
Money Order	$1	Not stated	None
Stop Payment (each item)	$32	per item	None
Check Cashing Fee	$7.50	per item	None
Collection Items	$5	Not stated	None
Foreign Check Processing	$45	Not stated	None
Copy of Check	$2	Not stated	None
Account Services
Notary Service	$5	per item	None
Late Payment Fee	$15Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" X 10"	$85	Not stated	None
Safe Deposit Box 3" X 10"	$50	Not stated	None
Safe Deposit Box 3" X 5"	$35	Not stated	None
Safe Deposit Box 5" X 10"	$65	Not stated	None
Other Fees
Photocopy of Statement	$2	Not stated	None
Loan Payment by Phone (each pmt.)	$5	per item	None

Correct a fee source

Nov 3, 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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