White County Federal Credit Union

Headquarters: Searcy, Arkansas
Charter: Credit Union
Assets: $17.0M
Fed district: St. Louis
Regulator: NCUA

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

Source: its fee schedule, read Oct 29, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 29, 2026

How these figures are measured

Call-report figures are for White County 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	White County Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 29, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: White County Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $18K in Q2 2026, 25% below the same quarter a year earlier ($24K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

NSF / Returned Item
White County Federal Credit Union: $30
White County Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
White County Federal Credit Union: $2
White County Federal Credit Union: $2
U.S. median: no median
Stop Payment
White County Federal Credit Union: $25
White County Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 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.

Fee income beside fee prices

Fee income fell 18% from Q3 2025 to Q2 2026, to $18K.

Fee income, Q2 2026

$18K

$22KQ3 2025

$23KQ4 2025

$21KQ1 2026

$18KQ2 2026

Against the median

White County Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

White County Federal Credit Union · $17M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Credit unions only
$16M to $18M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
White County Federal Credit Union(this institution)	Searcy, AR	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
1166 Federal Credit Union	Swedesboro, NJ	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Academic Employees Federal Credit Union	Columbia, MO	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Anmed Federal Credit Union	Anderson, SC	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bayou Community Federal Credit Union	Saint Gabriel, LA	$18M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Berkeley Community Federal Credit Union	Moncks Corner, SC	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cadets Federal Credit Union	Elma, NY	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Cbi Federal Credit Union	Plainfield, IL	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Clifty Creek Employees Federal Credit Union	Madison, IN	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cm Members Federal Credit Union	Columbus, MS	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farm Credit Employees Federal Credit Union	Saint Paul, MN	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fontana Federal Credit Union	Fontana, CA	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Gallup Federal Credit Union	Omaha, NE	$16M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gateway Federal Credit Union	Clarksville, TN	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hema Federal Credit Union	Silver Spring, MD	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jefferson County Teachers Federal Credit Union	Monticello, FL	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lithium Federal Credit Union	Bessemer City, NC	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Local Union 392 Federal Credit Union	Cincinnati, OH	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Long Island Alliance Federal Credit Union	Hauppauge, NY	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
One South Federal Credit Union	Natchez, MS	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ottawa Hiway Federal Credit Union	Ottawa, IL	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Palace City Federal Credit Union	Mitchell, SD	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Parthenon Federal Credit Union	Nashville, TN	$17M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Skyline Federal Credit Union	Nashville, TN	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Spokane Media Federal Credit Union	Spokane, WA	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Varex Federal Credit Union	Salt Lake City, UT	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(domestic wire)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

White County Federal Credit Union does not publish a domestic wire fee in the index.

The peer median is $20 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 Oct 30, 2026.

Domestic wire fee in dollars, one mark per institution

White County Federal Credit Union does not publish a domestic wire fee, so it is not on this chart.

White County Federal Cred…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for White County Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $18K
vs prior quarter: −$3K−14.3%; from Q1 2026
vs a year earlier: −$6K−25.0%; from Q2 2025
vs start of range: −$6K−25.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: White County Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$18K	−$3K	−14.3%
Q1 2026	$21K	−$2K	−8.7%
Q4 2025	$23K	+$1K	+4.5%
Q3 2025	$22K	−$2K	−8.3%
Q2 2025	$24K	−$2K	−7.7%
Q1 2025	$26K	+$1K	+4.0%
Q4 2024	$25K	+$1K	+4.2%
Q3 2024	$24K	+$2K	+9.1%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from White County Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$20
Inactive Accounts$25
Not compared: Quarterly charge, not monthly
per quarter
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Mail or Fax Request$5
per item
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ACH NSF$30
per item
Draft NSF$30
per item
Nonsufficient funds fee$30
Returned Item Fee$30
per item

ATM & Card

ATM Out of Network Transaction$2
Plastic Card Replacement$5
per item
Replacement card fee$15
per item

Check Services

Credit Union Official Check$3
per item
Stop Payment$25
per item
Check Cashing Fee for Non-Members$10
per item
Collection Fee$100

Cash & Deposit

Deposit Return Item$30
per item

Account Services

Notary Service Fee$5
Levy/Garnishment Request$75

Lending Fees

Loan Late Fee$35
Vehicle Registration or UCC Filing Fee$25

Other Fees

Fax Fee for Non-Members$5
per item
Loan Extension/Holiday Skip Payment$30
per item
Loan Processing Fee$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$20	Not stated	None
Inactive Accounts	$25Not compared: Quarterly charge, not monthly	per quarter	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Mail or Fax Request	$5	per item	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ACH NSF	$30	per item	None
Draft NSF	$30	per item	None
Nonsufficient funds fee	$30	Not stated	None
Returned Item Fee	$30	per item	None
ATM & Card
ATM Out of Network Transaction	$2	Not stated	None
Plastic Card Replacement	$5	per item	None
Replacement card fee	$15	per item	None
Check Services
Credit Union Official Check	$3	per item	None
Stop Payment	$25	per item	None
Check Cashing Fee for Non-Members	$10	per item	None
Collection Fee	$100	Not stated	None
Cash & Deposit
Deposit Return Item	$30	per item	None
Account Services
Notary Service Fee	$5	Not stated	None
Levy/Garnishment Request	$75	Not stated	None
Lending Fees
Loan Late Fee	$35	Not stated	None
Vehicle Registration or UCC Filing Fee	$25	Not stated	None
Other Fees
Fax Fee for Non-Members	$5	per item	None
Loan Extension/Holiday Skip Payment	$30	per item	None
Loan Processing Fee	$35	per item	None

Correct a fee source

Oct 29, 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.

Fee change alerts

Get an email when White County Federal Credit Union's safe deposit box changes in our data

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