River Town Federal Credit Union

Headquarters: Fort Smith, Arkansas
Charter: Credit Union
Assets: $15.2M
Fed district: St. Louis

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
River Town Federal Credit Union: No fee
River Town Federal Credit Union: No fee
U.S. median: no median
NSF / Returned Item
River Town Federal Credit Union: $25
River Town Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $22.50, the middle of its prices
River Town Federal Credit Union: $20 to $25
River Town Federal Credit Union: $20 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 River Town Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly MaintenanceNo charge
per month
Early Account Closing (within 90 days)$15
Dormant Account (24mo inactivity, <$25 balance)$10
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Club Accounts: Club Excessive Withdrawal$3
Paper Statement Fee$2
Excessive Withdrawal$3
Returned Mail / Bad Address$3

Overdraft & NSF

Insufficient Funds (NSF)$25
per item
Return Check Payment Fee$25
Overdraft Transfer (Share to Checking)$10
per item

ATM & Card

Debit Card Replacement (Overnight)$50

Wire Transfers

Wire Transfer Fees and Service: Outgoing (Domestic)$20
Wire Transfer Funds Out$25
Wire Transfer Fees and Service: Incoming$10

Check Services

Cashier's Check$5
per item
Money Order$2
per item
Stop Payment (Single or Run)$25
Temporary Checks (4 per page)$2
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

ACH Return Item / ACH NSF$25
per item

Cash & Deposit

Coin Processing (audience not stated, treated as personal)2%
Returned Check$10
per item
Mail Receipts (Night drop/Phone)$1

Account Services

Late Payment Fee$10
Not compared: Box drilling or key fee
Lost key & drill lock fee"$100
Not compared: Box drilling or key fee
Safe Deposit Box 10" x 10"$60
Safe Deposit Box 3" x 10"$30
Safe Deposit Box 3" x 5"$20
Safe Deposit Box 5" x 10"$40
Safe Deposit Box 7" x 10"$50
Garnishment / Levy$30
Verification of Deposit$5

Lending Fees

Late Payment Fee$20
Regular Loan - Late Fee5%($20 minimum)

Other Fees

Fax / Copier Fee$3
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$2
Loan Skip Payment$35
Online Loan ApplicationNo charge
Paper Loan Application$10
Refinance Auto (Existing CU Loan)$50
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	No charge	per month	None
Early Account Closing (within 90 days)	$15	Not stated	None
Dormant Account (24mo inactivity, <$25 balance)	$10	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Club Accounts: Club Excessive Withdrawal	$3	Not stated	None
Paper Statement Fee	$2	Not stated	None
Excessive Withdrawal	$3	Not stated	None
Returned Mail / Bad Address	$3	Not stated	None
Overdraft & NSF
Insufficient Funds (NSF)	$25	per item	None
Return Check Payment Fee	$25	Not stated	None
Overdraft Transfer (Share to Checking)	$10	per item	None
ATM & Card
Debit Card Replacement (Overnight)	$50	Not stated	None
Wire Transfers
Wire Transfer Fees and Service: Outgoing (Domestic)	$20	Not stated	None
Wire Transfer Funds Out	$25	Not stated	None
Wire Transfer Fees and Service: Incoming	$10	Not stated	None
Check Services
Cashier's Check	$5	per item	None
Money Order	$2	per item	None
Stop Payment (Single or Run)	$25	Not stated	None
Temporary Checks (4 per page)	$2Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
ACH Return Item / ACH NSF	$25	per item	None
Cash & Deposit
Coin Processing (audience not stated, treated as personal)	2%	Not stated	None
Returned Check	$10	per item	None
Mail Receipts (Night drop/Phone)	$1	Not stated	None
Account Services
Late Payment Fee	$10Not compared: Box drilling or key fee	Not stated	None
Lost key & drill lock fee"	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" x 10"	$60	Not stated	None
Safe Deposit Box 3" x 10"	$30	Not stated	None
Safe Deposit Box 3" x 5"	$20	Not stated	None
Safe Deposit Box 5" x 10"	$40	Not stated	None
Safe Deposit Box 7" x 10"	$50	Not stated	None
Garnishment / Levy	$30	Not stated	None
Verification of Deposit	$5	Not stated	None
Lending Fees
Late Payment Fee	$20	Not stated	None
Regular Loan - Late Fee	5%($20 minimum)	Not stated	None
Other Fees
Fax / Copier Fee	$3Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$2	Not stated	None
Loan Skip Payment	$35	Not stated	None
Online Loan Application	No charge	Not stated	None
Paper Loan Application	$10	Not stated	None
Refinance Auto (Existing CU Loan)	$50	per item	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

Nov 1, 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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