River Valley Federal Credit Union

Headquarters: Ada, Michigan
Charter: Credit Union
Assets: $124.0M
Fed district: Chicago

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

Source: its fee schedule, read Oct 13, 2026.

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Fees against the market

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

Overdraft (OD)
River Valley Federal Credit Union: $25
River Valley Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
River Valley Federal Credit Union: $20
River Valley Federal Credit Union: $20
U.S. median: no median
Stop Payment
River Valley Federal Credit Union: $25
River Valley 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 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago 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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 River Valley Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure - within 6 months$5
Dormant Account - 12 months no activity$15
per month
Checkbook Balancing$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF - ACH, Check, or Overdraft Privilege$25
Overdraft fee$25
per item
Overdraft TransferNo charge

ATM & Card

Card Replacement - ATM, Debit or Credit$5
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer - Domestic$20
Wire Transfer - Foreign$40

Check Services

Cashier’s Checks$3
Money Orders$1
Stop Payments$25
Starter or Temporary Checks$2
per item · for 8 checks
Check Cashing$3
Collection Items - non-US funds$2
Check Copies$5

Cash & Deposit

Deposit Item Return$10

Account Services

Garnishment/Levy$50
Subordination on Home Equity Loan$100

Other Fees

Statement Copy - 13 months or older$7
Statement Copy - current to 12 months$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closure - within 6 months	$5	Not stated	None
Dormant Account - 12 months no activity	$15	per month	None
Checkbook Balancing	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF - ACH, Check, or Overdraft Privilege	$25	Not stated	None
Overdraft fee	$25	per item	None
Overdraft Transfer	No charge	Not stated	None
ATM & Card
Card Replacement - ATM, Debit or Credit	$5	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic	$20	Not stated	None
Wire Transfer - Foreign	$40	Not stated	None
Check Services
Cashier’s Checks	$3	Not stated	None
Money Orders	$1	Not stated	None
Stop Payments	$25	Not stated	None
Starter or Temporary Checks	$2	per item	for 8 checks
Check Cashing	$3	Not stated	None
Collection Items - non-US funds	$2	Not stated	None
Check Copies	$5	Not stated	None
Cash & Deposit
Deposit Item Return	$10	Not stated	None
Account Services
Garnishment/Levy	$50	Not stated	None
Subordination on Home Equity Loan	$100	Not stated	None
Other Fees
Statement Copy - 13 months or older	$7	Not stated	None
Statement Copy - current to 12 months	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 13, 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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