NSF Item Paid – per item$30Within the typical range ($25–$33 nationally)
At the national medianAt the Arkansas median
per item · Source
NSF Item Returned- per item$30Within the typical range ($25–$32 nationally)
At the national medianAt the Arkansas median
per item · Source
Overdraft Transfers$7.50Above the typical range ($2.50–$5 nationally)
$2.50 above the national medianAt the Arkansas median
Source

ATM & CardVerified

ATM/Debit Card Replacement$15Above the typical range ($5–$10 nationally)
$5 above the national median$5 above the Arkansas median
Source
ATM/Debit Card Rush Replacement$25Below the typical range ($30–$50 nationally)
$15 below the national median$25 below the Arkansas median
Source

Wire TransfersVerified

Wire Transfer Outgoing$20Within the typical range ($20–$25 nationally)
$5 below the national medianAt the Arkansas median
Source
Wire Transfer Incoming$10Within the typical range ($5–$15 nationally)
At the national medianAt the Arkansas median
Source

Check ServicesVerified

Corporate Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the Arkansas median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$2.50 above the national medianAt the Arkansas median
Source
Photocopies (including share drafts and statements)$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Arkansas median
Source

Digital & ElectronicVerified

ACH Origination (Handled by SGFCU personnel)$15Within the typical range ($5–$20 nationally)
$5 above the national medianAt the Arkansas median
Source

Cash & DepositVerified

Deposited Item Returned NSF$30Above the typical range ($8–$25 nationally)
$15 above the national median$10 above the Arkansas median
Source

Account ServicesVerified

Levy/Garnishment Request$50Within the typical range ($30–$89.38 nationally)
At the national median$25 below the Arkansas median
Source
Verification of Deposit$5Within the typical range ($5–$15 nationally)
$5 below the national medianAt the Arkansas median
Source

Lending FeesVerified

Loan Late Fee$30Above the typical range ($10–$25 nationally)
$10 above the national median$2.50 above the Arkansas median
Source
UCC Filing$20Within the typical range ($20–$60 nationally)
$10 below the national median$5 below the Arkansas median
Source

Retirement & IRAVerified

IRA Transfer Fee$25Within the typical range ($25–$35 nationally)
At the national medianAt the Arkansas median
Source

Other FeesVerified

Overnight Mail$30Within the typical range ($20–$40 nationally)
At the national medianAt the Arkansas median
Source
Skip A Payment- per loan$35Within the typical range ($25–$100 nationally)
$2.50 below the national medianAt the Arkansas median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Christmas Club Early Withdrawal	$15Within the typical range ($10–$25 nationally)	$2.50 below the national median$5 below the Arkansas median	—	—	Source
Inactive/Dormant Account	$25Above the typical range ($5–$10 nationally)	$20 above the national median$20 above the Arkansas median	—	—	Source
Returned Mail (per item)	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$7.50 above the Arkansas median	per item	—	Source
Paper Statement Fee	$2Within the typical range ($2–$4.88 nationally)	$1 below the national median$1 below the Arkansas median	—	—	Source
Overdraft & NSFVerified
NSF Item Paid – per item	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Arkansas median	per item	—	Source
NSF Item Returned- per item	$30
ATM & CardVerified
ATM/Debit Card Replacement	$15Above the typical range ($5–$10 nationally)	$5 above the national median$5 above the Arkansas median	—	—	Source
ATM/Debit Card Rush Replacement	$25
Wire TransfersVerified
Wire Transfer Outgoing	$20Within the typical range ($20–$25 nationally)	$5 below the national medianAt the Arkansas median	—	—	Source
Wire Transfer Incoming	$10
Check ServicesVerified
Corporate Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Arkansas median	—	—	Source
Stop Payment	$30
Digital & ElectronicVerified
ACH Origination (Handled by SGFCU personnel)	$15Within the typical range ($5–$20 nationally)	$5 above the national medianAt the Arkansas median	—	—	Source
Cash & DepositVerified
Deposited Item Returned NSF	$30Above the typical range ($8–$25 nationally)	$15 above the national median$10 above the Arkansas median	—	—	Source
Account ServicesVerified
Levy/Garnishment Request	$50Within the typical range ($30–$89.38 nationally)	At the national median$25 below the Arkansas median	—	—	Source
Verification of Deposit	$5
Lending FeesVerified
Loan Late Fee	$30Above the typical range ($10–$25 nationally)	$10 above the national median$2.50 above the Arkansas median	—	—	Source
UCC Filing	$20
Retirement & IRAVerified
IRA Transfer Fee	$25Within the typical range ($25–$35 nationally)	At the national medianAt the Arkansas median	—	—	Source
Other FeesVerified
Overnight Mail	$30Within the typical range ($20–$40 nationally)	At the national medianAt the Arkansas median	—	—	Source
Skip A Payment- per loan	$35

Against St. Louis Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$30.00
Of 61 others that publish it, 32 lower, 14 the same and 15 higher.

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Fee change alerts

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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.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

23 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$5.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$5.7M

Total deposits

$4.2M

Service charge income (year to date)

$11K

Fee income ratio

5.9%

Return on assets

0.33%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,595 published fee entries from 3,603 institutions

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