Garland County Educators Federal Credit Union

Headquarters: Hot Springs, Arkansas
Charter: Credit Union
Assets: $5.2M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 29, 2026.

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Fees against the market

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

NSF / Returned Item
Garland County Educators Federal Credit Union: $30
Garland County Educators Federal Credit Union: $30
U.S. median: no median
Dormant Account
Garland County Educators Federal Credit Union: $5
Garland County Educators Federal Credit Union: $5
U.S. median: no median
Excess Withdrawals
Garland County Educators Federal Credit Union: $5
Garland County Educators Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 2026View sources

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

Account Maintenance

Dormant Account Fee$5
per month
Excessive Transactions Fee: Share Savings$5
per item
Returned Statement Fee$8
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Returned Check Fee (NSF)$30
per item

Other Fees

Loan Application Fee$40
per item
Loan Document Fee$60
per item
Loan Refinance Fee$40
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$5	per month	None
Excessive Transactions Fee: Share Savings	$5	per item	None
Returned Statement Fee	$8Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Returned Check Fee (NSF)	$30	per item	None
Other Fees
Loan Application Fee	$40	per item	None
Loan Document Fee	$60	per item	None
Loan Refinance Fee	$40	per item	None

Correct a fee source

Oct 29, 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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