Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

2 Rivers Area Federal Credit Union

Kankakee, IllinoisCredit UnionChicago Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Accounts$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

NSF$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Illinois median
Source
Overdraft Transfer$25Above the typical range ($2.50–$5 nationally)
$20 above the national median$20 above the Illinois median
Source

ATM & CardVerified

ATM Cash WIthdrawl$3Above the typical range ($1–$2.25 nationally)
$1.50 above the national median$1.62 above the Illinois median
Source
Lost/Replacement Credit Card$25Above the typical range ($5–$10 nationally)
$15 above the national median$15 above the Illinois median
Source
Lost/Replacement Debit Card$10Within the typical range ($5–$10 nationally)
At the national medianAt the Illinois median
Source

Wire TransfersVerified

Domestic Wire Transfer Outgoing$35Above the typical range ($20–$25 nationally)
$10 above the national median$10 above the Illinois median
Source
Foreign Wire Transfer Outgoing$50Within the typical range ($40–$50 nationally)
At the national medianAt the Illinois median
Source

Check ServicesVerified

Certified Check$2Below the typical range ($3–$6 nationally)
$3 below the national median$3 below the Illinois median
Source
Money Order$1Below the typical range ($1.50–$3 nationally)
$1 below the national median$1.25 below the Illinois median
Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$4.50 below the Illinois median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Accounts	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Illinois median	per month	—	Source
Paper Statement (per statement)	$2Within the typical range ($2–$4.95 nationally)	$1 below the national median$1 below the Illinois median	—	—	Source
Overdraft & NSFVerified
NSF	$35Above the typical range ($25–$32 nationally)	$5 above the national median$5 above the Illinois median	—	—	Source
Overdraft Transfer	$25
ATM & CardVerified
ATM Cash WIthdrawl	$3Above the typical range ($1–$2.25 nationally)	$1.50 above the national median$1.62 above the Illinois median	—	—	Source
Lost/Replacement Credit Card	$25
Wire TransfersVerified
Domestic Wire Transfer Outgoing	$35Above the typical range ($20–$25 nationally)	$10 above the national median$10 above the Illinois median	—	—	Source
Foreign Wire Transfer Outgoing	$50
Check ServicesVerified
Certified Check	$2Below the typical range ($3–$6 nationally)	$3 below the national median$3 below the Illinois median	—	—	Source
Money Order	$1
Lending FeesVerified
VISA Late Fee	$25Within the typical range ($10–$25 nationally)	$5 above the national median$5 above the Illinois median	—	—	Source

Fee change alerts

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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: $35

17% above the national median NSF fee

13 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$27.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$27.7M

Total deposits

$25.1M

Service charge income (year to date)

$77K

Fee income ratio

9.0%

Return on assets

0.35%

Financial profile · Pro

Performance from regulator filings

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