Up Federal Credit Union

Headquarters: North Little Rock, Arkansas
Charter: Credit Union
Assets: $32.2M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Overdraft (OD)
Up Federal Credit Union: $15
Up Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Up Federal Credit Union: $15
Up Federal Credit Union: $15
U.S. median: no median
Wire Transfer (Domestic Out)
Up Federal Credit Union: $20
Up Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Up Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closure$5
Dormant Account (per month)$5
per month
Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (per statement)$3
Return Mail (per item)$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$15
Overdraft$15
Non-Sufficient Funds$15

ATM & Card

Debit Card Replacement$10

Wire Transfers

Outgoing Wires$20
Incoming Wires$10

Check Services

Cashier's Check$3
Teller Check$2
Money Order$1
Stop Payment Fee$25
Check Copy (per item)$1
per item

Account Services

Garnishment$25

Other Fees

All Other Loan Processing$20
Collateral Loan Processing$50

Fee	Amount	Basis	Note
Account Maintenance
Early Closure	$5	Not stated	None
Dormant Account (per month)	$5	per month	None
Account Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (per statement)	$3	Not stated	None
Return Mail (per item)	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$15	Not stated	None
Overdraft	$15	Not stated	None
Non-Sufficient Funds	$15	Not stated	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Wires	$20	Not stated	None
Incoming Wires	$10	Not stated	None
Check Services
Cashier's Check	$3	Not stated	None
Teller Check	$2	Not stated	None
Money Order	$1	Not stated	None
Stop Payment Fee	$25	Not stated	None
Check Copy (per item)	$1	per item	None
Account Services
Garnishment	$25	Not stated	None
Other Fees
All Other Loan Processing	$20	Not stated	None
Collateral Loan Processing	$50	Not stated	None

Correct a fee source

Oct 5, 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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