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.

Explore Hamilton View published fees

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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Among its peers

R T P Federal Credit Union · $142M 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 21 states.

Credit unions only
$138M to $145M in assets
Headquartered in 21 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
R T P Federal Credit Union(this institution)	Rtp, NC	$142M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Arkansas Best Federal Credit Union	Fort Smith, AR	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Aurora Federal Credit Union	Aurora, CO	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Baptist Health South Florida Federal Credit Union	Miami, FL	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Breakwater Federal Credit Union	Houghton, MI	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Campbell Federal Credit Union	Maple Shade, NJ	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Celco Community Federal Credit Union	Narrows, VA	$144M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Central Missouri Community Federal Credit Union	Warrensburg, MO	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Powered Federal Credit Union	Bear, DE	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Priority Federal Credit Union	Boston, MA	$139M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heart Of Louisiana Federal Credit Union	Pineville, LA	$143M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Indiana State University Federal Credit Union	Terre Haute, IN	$140M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Lenco Federal Credit Union	Adrian, MI	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Market USA Federal Credit Union	Laurel, MD	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Alabama Educators Federal Credit Union	Huntsville, AL	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Cascade Federal Credit Union	Eugene, OR	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pacific Horizon Federal Credit Union	Springville, UT	$141M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Siskiyou Federal Credit Union	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The One Federal Credit Union	Meadville, PA	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Walled Lake Schools Federal Credit Union	Wolverine Lake, MI	$138M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Wcla Federal Credit Union	Olympia, WA	$142M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
West Virginia Federal Credit Union	South Charleston, WV	$142M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $5, against a peer median of $5 among 9 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

R T P Federal Credit UnionPeer (equal prices stack)Peer medianInclude 4 outliers ($0, $4, $9, $12.50)Shown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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.

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.

Fee change alerts

Get an email when R T P Federal Credit Union's safe deposit box changes in our data

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

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

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.

Among its peers

R T P Federal Credit Union · $142M 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 21 states.

Credit unions only
$138M to $145M in assets
Headquartered in 21 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
R T P Federal Credit Union(this institution)	Rtp, NC	$142M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Arkansas Best Federal Credit Union	Fort Smith, AR	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Aurora Federal Credit Union	Aurora, CO	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Baptist Health South Florida Federal Credit Union	Miami, FL	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Breakwater Federal Credit Union	Houghton, MI	$138M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Campbell Federal Credit Union	Maple Shade, NJ	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Celco Community Federal Credit Union	Narrows, VA	$144M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Central Missouri Community Federal Credit Union	Warrensburg, MO	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Powered Federal Credit Union	Bear, DE	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Priority Federal Credit Union	Boston, MA	$139M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heart Of Louisiana Federal Credit Union	Pineville, LA	$143M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Indiana State University Federal Credit Union	Terre Haute, IN	$140M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Lenco Federal Credit Union	Adrian, MI	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Market USA Federal Credit Union	Laurel, MD	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Alabama Educators Federal Credit Union	Huntsville, AL	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Cascade Federal Credit Union	Eugene, OR	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pacific Horizon Federal Credit Union	Springville, UT	$141M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Siskiyou Federal Credit Union	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The One Federal Credit Union	Meadville, PA	$139M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Walled Lake Schools Federal Credit Union	Wolverine Lake, MI	$138M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Wcla Federal Credit Union	Olympia, WA	$142M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
West Virginia Federal Credit Union	South Charleston, WV	$142M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $5, against a peer median of $5 among 9 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

R T P Federal Credit UnionPeer (equal prices stack)Peer medianInclude 4 outliers ($0, $4, $9, $12.50)Shown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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.

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.