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

White County Federal Credit Union

Searcy, 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 Closure$20Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=early_closure; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Account Closure | $20.00/ If closed within 3-months (90 days) of opening" · Source

Account Reconciliation$20

At the national median

Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=account_research; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Account Reconciliation | $20.00/Per Hour after first assistance" · Source

Inactive Accounts$25

$20 above the national median

Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=dormant_account; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Inactive Accounts | $25.00/After 1 year then quarterly" · Source

Preferred Checking and WC 55 Checking$10

$4 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=minimum_balance; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Preferred Checking and WC 55 Checking | $10.00/ Per Month if balance falls below minimum balance requirements" · Source

Overdraft & NSFVerified

ACH NSF$30Within the typical range ($25–$32 nationally)
$1 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=nsf; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="ACH NSF | $30.00/Per Item" · Source

ATM & CardVerified

ATM Out of Network Transaction$2Within the typical range ($1–$3 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=atm_non_network; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="ATM Out of Network Transaction | $2.00 for Non-Members" · Source
Plastic Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=card_replacement; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Plastic Card Replacement | $5.00/Per Card" · Source

Check ServicesVerified

Check Cashing Fee for Non-Members$10Within the typical range ($5–$10 nationally)
$5 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=check_cashing; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Check Cashing Fee for Non-Members | $10.00/Per Item" · Source
Credit Union Official Check$3Within the typical range ($3–$6 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=cashiers_check; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Credit Union Official Check | $3.00/Per Item" · Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=stop_payment; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Stop Payment | $25.00/Request" · Source

Account ServicesVerified

Levy/Garnishment Request$75Within the typical range ($25–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=garnishment_levy; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Levy/Garnishment Request | $75.00" · Source

Lending FeesVerified

Loan Extension/Holiday Skip Payment$30Within the typical range ($25–$50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=loan_origination; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Loan Extension/Holiday Skip Payment | $30.00/Per Loan" · Source
Loan Late Fee$35Above the typical range ($15–$26.50 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=late_payment; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Loan Late Fee | $35.00/After 10 days" · Source
Loan Processing Fee$35Within the typical range ($25–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=loan_origination; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Loan Processing Fee | $35.00/Per Loan" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closure	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=early_closure; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Account Closure \| $20.00/ If closed within 3-months (90 days) of opening"	Source
Account Reconciliation	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=account_research; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Account Reconciliation \| $20.00/Per Hour after first assistance"	Source
Inactive Accounts	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=dormant_account; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Inactive Accounts \| $25.00/After 1 year then quarterly"	Source
Preferred Checking and WC 55 Checking	$10Within the typical range ($5–$12.25 nationally)	$4 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=minimum_balance; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Preferred Checking and WC 55 Checking \| $10.00/ Per Month if balance falls below minimum balance requirements"	Source
Overdraft & NSFVerified
ACH NSF	$30Within the typical range ($25–$32 nationally)	$1 above the national median	per item	Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=nsf; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="ACH NSF \| $30.00/Per Item"	Source
ATM & CardVerified
ATM Out of Network Transaction	$2Within the typical range ($1–$3 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=atm_non_network; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="ATM Out of Network Transaction \| $2.00 for Non-Members"	Source
Plastic Card Replacement
Check ServicesVerified
Check Cashing Fee for Non-Members	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per item	Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=check_cashing; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Check Cashing Fee for Non-Members \| $10.00/Per Item"	Source
Credit Union Official Check
Account ServicesVerified
Levy/Garnishment Request	$75Within the typical range ($25–$75 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=garnishment_levy; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Levy/Garnishment Request \| $75.00"	Source
Lending FeesVerified
Loan Extension/Holiday Skip Payment	$30Within the typical range ($25–$50 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #3682. canonical_hint=loan_origination; text_hash=e6241d8684ad4cca4a7a0c8a9964724e8908e90b5e1ffe1a7a04455f5b4e2164; excerpt="Loan Extension/Holiday Skip Payment \| $30.00/Per Loan"	Source
Loan Late Fee

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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: $30

NSF fee is aligned with the national median

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$17.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$17.0M

Total deposits

$13.8M

Service charge income (year to date)

$39K

Fee income ratio

7.2%

Return on assets

0.99%

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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