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, $1B to $10B

Royal Federal Credit Union

Eau Claire, WisconsinCredit UnionChicago Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Digital & ElectronicVerified

Save and Spend Duo Checking. (Effective February 28.2025) | ACH Return Fee$10Below the typical range ($16.88–$30 nationally)

Will charge for copies of drafts and machine receipts, together with hourly fees for | NSF check or ACH transaction retu$35

$9 above the national median

Source

Cash & DepositVerified

Cash Advance Fee-3% of transaction amount$75Above the typical range ($2.88–$10 nationally)
$70 above the national median
Source

Account ServicesVerified

written/deposited per month | Replacement Key$30Within the typical range ($25–$80 nationally)
$15 below the national median
per month · Source

Lending FeesVerified

amount | Late Payment Fee (maximum)$35Above the typical range ($15–$25 nationally)
$14 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Digital & ElectronicVerified
Save and Spend Duo Checking. (Effective February 28.2025) \| ACH Return Fee	$10Below the typical range ($16.88–$30 nationally)	$16 below the national median	—	—	Source
Will charge for copies of drafts and machine receipts, together with hourly fees for \| NSF check or ACH transaction retu	$35Above the typical range ($16.88–$30 nationally)	$9 above the national median	—	—	Source
Cash & DepositVerified
Cash Advance Fee-3% of transaction amount	$75Above the typical range ($2.88–$10 nationally)	$70 above the national median	—	—	Source
Account ServicesVerified
written/deposited per month \| Replacement Key	$30Within the typical range ($25–$80 nationally)	$15 below the national median	per month	—	Source
Lending FeesVerified
amount \| Late Payment Fee (maximum)	$35Above the typical range ($15–$25 nationally)	$14 above the national median	—	—	Source

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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

Total fees: 5 — leaner than most institutions

Headline fees published

0 of 15

Published fees

Under review

Assets

$5.9B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$5.9B

Total deposits

$5.2B

Service charge income (year to date)

$11.9M

Fee income ratio

5.6%

Return on assets

1.47%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 34,850 published fee entries from 2,498 institutions

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