Compared with Arkansas
4 of 23
compared fees are above the median.
15 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
63rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Arkansas median
of 23 compared; 15 below, 4 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for River Town Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Arkansas median | Published fees above the Arkansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | River Town Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.0% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (63rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $21K in Q2 2026, about level with the same quarter a year earlier ($21K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 23 compared published fees sit above the Arkansas median; 15 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Arkansas medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Wire Transfer (Domestic Out)
Compared at $22.50, the middle of its prices
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.
Fee income fell 40% from Q3 2025 to Q2 2026, to $21K. Its share of revenue, 9.0%, is above the 7.2% median for credit unions with under $300M in assets.
$21K
River Town Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
River Town Federal Credit Union · $15M in assets
Banks and credit unions in the Fort Smith, AR-OK metro
Banks and credit unions with branches in the Fort Smith, AR-OK metro: the local competitors for deposits and customers. They range from $91M to $705.6B in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| River Town Federal Credit Union(this institution) | Fort Smith, AR | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Arkansas Best Federal Credit Union | Fort Smith, AR | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arkansas Federal Credit Union | Little Rock, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arvest Bank | Fayetteville, AR | $28.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank OZK | Little Rock, AR | $41.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chambers Bank | Danville, AR | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens' Bank & Trust Co. | Van Buren, AR | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Bank | Greenwood, AR | $289M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Security Bank | Searcy, AR | $8.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Western Bank | Booneville, AR | $793M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Generations Bank | Rogers, AR | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grand Savings Bank | Grove, OK | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local Bank | Hulbert, OK | $463M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Multi-States Federal Credit Union | Springfield, MO | $91M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Fort Smith | Fort Smith, AR | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| U.S. Bank National Association | Cincinnati, OH | $705.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Federal Credit Union | St Joseph, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
20 peers selected · 13 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $10 among 13 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for River Town Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $21K | +$3K | +16.7% |
| Q1 2026 | $18K | −$5K | −21.7% |
| Q4 2025 | $23K | −$12K | −34.3% |
| Q3 2025 | $35K | +$14K | +66.7% |
| Q2 2025 | $21K | −$7K | −25.0% |
| Q1 2025 | $28K | −$3K | −9.7% |
| Q4 2024 | $31K | +$2K | +6.9% |
| Q3 2024 | $29K | +$1K | +3.6% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, River Town Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to River Town Federal Credit Union by share.
Amounts from River Town Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per page
per item
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closing (within 90 days) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (24mo inactivity, <$25 balance) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Club Accounts: Club Excessive Withdrawal | $3Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Excessive Withdrawal | $3Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Returned Mail / Bad Address | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds (NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Return Check Payment Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer (Share to Checking) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement (Overnight) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees and Service: Outgoing (Domestic) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Funds Out | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fees and Service: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (Single or Run) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | 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 | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Coin Processing (audience not stated, treated as personal) | 2% | Not stated | None |
| Returned Check | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Mail Receipts (Night drop/Phone) | $1Below the U.S. middle 50% ($5 to $15 nationally) | 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" | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 10" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 5" | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 10" | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7" x 10" | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment / Levy | $30Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $20Inside the U.S. middle 50% ($15 to $25 nationally) | 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 | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Skip Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Online Loan Application | No chargeBelow the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Paper Loan Application | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Refinance Auto (Existing CU Loan) | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | 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
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.
Where River Town Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Fort Smith, AR | 1 |
Largest competitors nearby
Local market: Sebastian county, AR, around its headquarters.
| 18 in its local market | Deposit share |
|---|---|
| The First National Bank of Fort Smith | 31.1% |
| Arvest Bank | 23.7% |
| The Huntington National Bank | 9.8% |
| Farmers Bank | 5.9% |
| Bank OZK | 5.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.