Natural State Federal Credit Union

Headquarters: Searcy, Arkansas
Charter: Credit Union
Assets: $8.8M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

NSF / Returned Item
Natural State Federal Credit Union: $30
Natural State Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Natural State Federal Credit Union: $1
Natural State Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Natural State Federal Credit Union: $20
Natural State 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 9, 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 Natural State Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Share Account Early Closure Fee: (If closed within 120 days of opening)$20
Account Reconciliation Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal Fee: (If more than (5) per month)$5
per item
Returned Mail Handling$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF/Account Negative Fee$30
per item
Returned Item Fee$30
per item

ATM & Card

Non-Network ATM$1
Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee: (Outgoing)$20
per item
Wire Transfer Fee: (Incoming)$5
per item

Check Services

Stop Payment Fee: (Auto Draft/ACH/EFT)$30
per item
Stop Payment Fee: (Checks withdrawn on Share Accounts)$36
per item
Copy of Share Draft Image Fee$3
per item

Digital & Electronic

ACH Origination Fee (Outgoing) (same day or one time) (One free per month)$2
per item

Cash & Deposit

Deposited Check Return Fee: (Returned from Bank)$30
per item

Account Services

Levy/Garnishment Request$50

Lending Fees

Late Fee$30
Visa Late Fee$15
UCC Filing Fee$25

Other Fees

Fax Fee$1
per item
Statement Copy Fee: (Statement Reprint)$15
per item
Collateral Loan Application Fee$40
per item
Non-Collateral Loan Application Fee$35
per item
Refinance Collateral Loan Application Fee$50
per item
Skip-a-payment: (twice per year, once every 6 months)$35
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Share Account Early Closure Fee: (If closed within 120 days of opening)	$20	Not stated	None
Account Reconciliation Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Fee: (If more than (5) per month)	$5	per item	None
Returned Mail Handling	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF/Account Negative Fee	$30	per item	None
Returned Item Fee	$30	per item	None
ATM & Card
Non-Network ATM	$1	Not stated	None
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee: (Outgoing)	$20	per item	None
Wire Transfer Fee: (Incoming)	$5	per item	None
Check Services
Stop Payment Fee: (Auto Draft/ACH/EFT)	$30	per item	None
Stop Payment Fee: (Checks withdrawn on Share Accounts)	$36	per item	None
Copy of Share Draft Image Fee	$3	per item	None
Digital & Electronic
ACH Origination Fee (Outgoing) (same day or one time) (One free per month)	$2	per item	None
Cash & Deposit
Deposited Check Return Fee: (Returned from Bank)	$30	per item	None
Account Services
Levy/Garnishment Request	$50	Not stated	None
Lending Fees
Late Fee	$30	Not stated	None
Visa Late Fee	$15	Not stated	None
UCC Filing Fee	$25	Not stated	None
Other Fees
Fax Fee	$1	per item	None
Statement Copy Fee: (Statement Reprint)	$15	per item	None
Collateral Loan Application Fee	$40	per item	None
Non-Collateral Loan Application Fee	$35	per item	None
Refinance Collateral Loan Application Fee	$50	per item	None
Skip-a-payment: (twice per year, once every 6 months)	$35Not compared: Annual charge, not per item	per year	None

Correct a fee source

Oct 9, 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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