Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

River Town Federal Credit Union

Fort Smith, ArkansasCredit UnionSt. Louis Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Maintenance | Account Research$25Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=account_research; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Account Maintenance | Account Research | $25/hour + $5/statement" · Source

Dormant Account (24mo inactivity, <$25

$20 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=dormant_account; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Dormant Account (24mo inactivity, <$25 balance) | $10 Monthly" · Source

Paper Statement Fee$2

$1 below the national median

Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=paper_statement; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Paper Statement Fee | $2" · Source

Overdraft & NSFVerified

Insufficient Funds (NSF)$25Within the typical range ($25–$32 nationally)
$4 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=nsf; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Insufficient Funds (NSF) | $25 | Per item (if check is paid and account is negative)" · Source

Check ServicesVerified

Check Cashing$499Above the typical range ($5–$10 nationally)
$494 above the national median
Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=check_cashing; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Check Cashing | $499 and less | $15 | Applies to accounts with no other activity" · Source
Checks & Paper | Cashier's Check$5Within the typical range ($3–$6 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=cashiers_check; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Checks & Paper | Cashier's Check | $5 per item" · Source
Money Order$2Within the typical range ($2–$3.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=money_order; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Money Order | $2 each" · Source
Stop Payment (Single or Run)$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=stop_payment; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Stop Payment (Single or Run) | $25" · Source
Temporary Checks (4 per page)$2Within the typical range ($1–$4 nationally)
At the national median
per item · 4 per page · Source

Digital & ElectronicVerified

ACH Return Item / ACH NSF$25Within the typical range ($15–$30 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=ach_return; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="ACH Return Item / ACH NSF | $25 per item" · Source

Cash & DepositVerified

Visa/Mastercard/Payroll Cash Advance$25Above the typical range ($3–$10 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=cash_advance; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Visa/Mastercard/Payroll Cash Advance | $25 min. withdrawal*" · Source

Account ServicesVerified

Administrative | Garnishment / Levy$30Within the typical range ($25–$75 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=garnishment_levy; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Administrative | Garnishment / Levy | $30" · Source
Lost key & drill lock fee"$100Above the typical range ($25–$80 nationally)
$60 above the national median
Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=safe_deposit_box; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Lost key & drill lock fee" | $100" · Source

Lending FeesVerified

Late Payment Fee$10Below the typical range ($15–$26.50 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=late_payment; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Late Payment Fee | $10" · Source
Regular Loan - Late Fee$20Within the typical range ($15–$26.50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=late_payment; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Regular Loan - Late Fee | $20 or 5% of payment (whichever is higher)" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Maintenance \| Account Research	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=account_research; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Account Maintenance \| Account Research \| $25/hour + $5/statement"	Source
Dormant Account (24mo inactivity, <	$25Above the typical range ($5–$10 nationally)	$20 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=dormant_account; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Dormant Account (24mo inactivity, <$25 balance) \| $10 Monthly"	Source
Paper Statement Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=paper_statement; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Paper Statement Fee \| $2"	Source
Overdraft & NSFVerified
Insufficient Funds (NSF)	$25Within the typical range ($25–$32 nationally)	$4 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=nsf; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Insufficient Funds (NSF) \| $25 \| Per item (if check is paid and account is negative)"	Source
Check ServicesVerified
Check Cashing	$499Above the typical range ($5–$10 nationally)	$494 above the national median	—	Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=check_cashing; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Check Cashing \| $499 and less \| $15 \| Applies to accounts with no other activity"	Source
Checks & Paper \| Cashier's Check
Digital & ElectronicVerified
ACH Return Item / ACH NSF	$25Within the typical range ($15–$30 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=ach_return; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="ACH Return Item / ACH NSF \| $25 per item"	Source
Cash & DepositVerified
Visa/Mastercard/Payroll Cash Advance	$25Above the typical range ($3–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=cash_advance; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Visa/Mastercard/Payroll Cash Advance \| $25 min. withdrawal*"	Source
Account ServicesVerified
Administrative \| Garnishment / Levy	$30Within the typical range ($25–$75 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=garnishment_levy; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Administrative \| Garnishment / Levy \| $30"	Source
Lost key & drill lock fee"
Lending FeesVerified
Late Payment Fee	$10Below the typical range ($15–$26.50 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #3681. canonical_hint=late_payment; text_hash=30797d0445464d7b3d9a93dd1929409288b6a32e20401ca6ddb88543c8058f76; excerpt="Late Payment Fee \| $10"	Source
Regular Loan - Late Fee	$20

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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.

NSF fee: $25

14% below the national median NSF fee

Total fees: 15 — leaner than most institutions

Verified fees

Under review

Assets

$15.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$15.2M

Total deposits

$12.9M

Service charge income (year to date)

$39K

Fee income ratio

9.0%

Return on assets

-1.33%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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