Royal Federal Credit Union

Headquarters: Eau Claire, Wisconsin
Charter: Credit Union
Assets: $5.9B
Fed district: Chicago

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

Source: its fee schedule, read Oct 31, 2026.

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Fees against the market

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

Monthly Maintenance
Royal Federal Credit Union: $10
Royal Federal Credit Union: $10
U.S. median: no median
ACH Return
Compared at $22.50, the middle of its prices
Royal Federal Credit Union: $10 to $35
Royal Federal Credit Union: $10 to $35
U.S. median: no median
Cash Advance
Royal Federal Credit Union: $75
Royal Federal Credit Union: $75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin 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 Royal Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Monthly Inactivity Fee after 12 months$4.95
per month

ATM & Card

International Service Assessment1%of the transaction

Check Services

Incoming - (Royal receives item for collection)$10

Digital & Electronic

ACH Return Fee$10
NSF check or ACH transaction retu$35

Cash & Deposit

Cash Advance Fee (audience not stated, treated as personal)3%of the advance
Cash Advance Fee-3% of transaction amount$75

Account Services

Replacement Key$30
Not compared: Monthly charge, not annual
per month

Lending Fees

Late Payment Fee (maximum)$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Monthly Inactivity Fee after 12 months	$4.95	per month	None
ATM & Card
International Service Assessment	1%of the transaction	Not stated	None
Check Services
Incoming - (Royal receives item for collection)	$10	Not stated	None
Digital & Electronic
ACH Return Fee	$10	Not stated	None
NSF check or ACH transaction retu	$35	Not stated	None
Cash & Deposit
Cash Advance Fee (audience not stated, treated as personal)	3%of the advance	Not stated	None
Cash Advance Fee-3% of transaction amount	$75	Not stated	None
Account Services
Replacement Key	$30Not compared: Monthly charge, not annual	per month	None
Lending Fees
Late Payment Fee (maximum)	$35	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

Account Maintenance

Monthly Inactivity Fee after 12 months$4.95
per month

ATM & Card

International Service Assessment1%of the transaction

Wire Transfers

International Wire Transfers (Businesses Only)$35

Check Services

Incoming - (Royal receives item for collection)$10

Digital & Electronic

ACH Return Fee$10
NSF check or ACH transaction retu$35

Cash & Deposit

Cash Advance Fee-3% of transaction amount$75

Account Services

Replacement Key$30
Not compared: Monthly charge, not annual
per month

Lending Fees

Late Payment Fee (maximum)$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly Inactivity Fee after 12 months	$4.95	per month	None
ATM & Card
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
International Wire Transfers (Businesses Only)	$35	Not stated	None
Check Services
Incoming - (Royal receives item for collection)	$10	Not stated	None
Digital & Electronic
ACH Return Fee	$10	Not stated	None
NSF check or ACH transaction retu	$35	Not stated	None
Cash & Deposit
Cash Advance Fee-3% of transaction amount	$75	Not stated	None
Account Services
Replacement Key	$30Not compared: Monthly charge, not annual	per month	None
Lending Fees
Late Payment Fee (maximum)	$35	Not stated	None

Correct a fee source

Oct 31, 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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Fees against the market

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

Monthly Maintenance
Royal Federal Credit Union: $10
Royal Federal Credit Union: $10
U.S. median: no median
ACH Return
Compared at $22.50, the middle of its prices
Royal Federal Credit Union: $10 to $35
Royal Federal Credit Union: $10 to $35
U.S. median: no median
Cash Advance
Royal Federal Credit Union: $75
Royal Federal Credit Union: $75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin 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.

Published fee schedule

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

Account Maintenance

Monthly fee$10
per month
Monthly Inactivity Fee after 12 months$4.95
per month

ATM & Card

International Service Assessment1%of the transaction

Check Services

Incoming - (Royal receives item for collection)$10

Digital & Electronic

ACH Return Fee$10
NSF check or ACH transaction retu$35

Cash & Deposit

Cash Advance Fee (audience not stated, treated as personal)3%of the advance
Cash Advance Fee-3% of transaction amount$75

Account Services

Replacement Key$30
Not compared: Monthly charge, not annual
per month

Lending Fees

Late Payment Fee (maximum)$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Monthly Inactivity Fee after 12 months	$4.95	per month	None
ATM & Card
International Service Assessment	1%of the transaction	Not stated	None
Check Services
Incoming - (Royal receives item for collection)	$10	Not stated	None
Digital & Electronic
ACH Return Fee	$10	Not stated	None
NSF check or ACH transaction retu	$35	Not stated	None
Cash & Deposit
Cash Advance Fee (audience not stated, treated as personal)	3%of the advance	Not stated	None
Cash Advance Fee-3% of transaction amount	$75	Not stated	None
Account Services
Replacement Key	$30Not compared: Monthly charge, not annual	per month	None
Lending Fees
Late Payment Fee (maximum)	$35	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

Account Maintenance

Monthly Inactivity Fee after 12 months$4.95
per month

ATM & Card

International Service Assessment1%of the transaction

Wire Transfers

International Wire Transfers (Businesses Only)$35

Check Services

Incoming - (Royal receives item for collection)$10

Digital & Electronic

ACH Return Fee$10
NSF check or ACH transaction retu$35

Cash & Deposit

Cash Advance Fee-3% of transaction amount$75

Account Services

Replacement Key$30
Not compared: Monthly charge, not annual
per month

Lending Fees

Late Payment Fee (maximum)$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly Inactivity Fee after 12 months	$4.95	per month	None
ATM & Card
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
International Wire Transfers (Businesses Only)	$35	Not stated	None
Check Services
Incoming - (Royal receives item for collection)	$10	Not stated	None
Digital & Electronic
ACH Return Fee	$10	Not stated	None
NSF check or ACH transaction retu	$35	Not stated	None
Cash & Deposit
Cash Advance Fee-3% of transaction amount	$75	Not stated	None
Account Services
Replacement Key	$30Not compared: Monthly charge, not annual	per month	None
Lending Fees
Late Payment Fee (maximum)	$35	Not stated	None

Correct a fee source

Oct 31, 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.