Two Rivers Federal Credit Union

Headquarters: Arkadelphia, Arkansas
Charter: Credit Union
Assets: $13.8M
Fed district: St. Louis

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

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

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Fees against the market

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

Overdraft (OD)
Two Rivers Federal Credit Union: $35
Two Rivers Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Two Rivers Federal Credit Union: $35
Two Rivers Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Two Rivers Federal Credit Union: $25
Two Rivers 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 3, 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 Two Rivers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee$10
Dormant Account Fee$5
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$5
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee$35
per item
Debit Card Overdraft Fee$35
Overdraft (NSF) Fee$35
per item
Paid NSF Item$35
per item
Returned ACH/Check$35
per item
Overdraft Transfer$35
per item

ATM & Card

Replacement Debit Card$25
Card Rush Order$80
one time · For mailed cards

Wire Transfers

Domestic Wire (Outgoing)$25
Domestic Wire (Incoming)$15

Check Services

ACH Stop Payment$35
per item
Stop Payment$35
per item

Digital & Electronic

Same Day ACH$5
per item

Cash & Deposit

Deposit Item Return Fee$15
per item

Account Services

Notary ServiceNo charge

Lending Fees

Late Payment Fee (audience not stated, treated as personal)5%
UCC Filing Fee$25

Other Fees

Statement Copy$5
Loan Refinance Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee	$10	Not stated	None
Dormant Account Fee	$5	Not stated	None
Account Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$5	Not stated	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee	$35	per item	None
Debit Card Overdraft Fee	$35	Not stated	None
Overdraft (NSF) Fee	$35	per item	None
Paid NSF Item	$35	per item	None
Returned ACH/Check	$35	per item	None
Overdraft Transfer	$35	per item	None
ATM & Card
Replacement Debit Card	$25	Not stated	None
Card Rush Order	$80	one time	For mailed cards
Wire Transfers
Domestic Wire (Outgoing)	$25	Not stated	None
Domestic Wire (Incoming)	$15	Not stated	None
Check Services
ACH Stop Payment	$35	per item	None
Stop Payment	$35	per item	None
Digital & Electronic
Same Day ACH	$5	per item	None
Cash & Deposit
Deposit Item Return Fee	$15	per item	None
Account Services
Notary Service	No charge	Not stated	None
Lending Fees
Late Payment Fee (audience not stated, treated as personal)	5%	Not stated	None
UCC Filing Fee	$25	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None
Loan Refinance Fee	$35	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 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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