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

Valley 1St Community Federal Credit Union

Monessen, PennsylvaniaCredit UnionPhiladelphia Fed districtFees collected Feb 17, 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

Account Reconciliation ________________________________$30Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee ____________________________________$30Within the typical range ($25–$32 nationally)
At the national median
per item · Source
Non Sufficient Funds (NSF) _____________________________$30Within the typical range ($25–$31.50 nationally)
At the national median
per item · Source
NSF Requiring Phone Call for Funds ______________________$10Below the typical range ($25–$31.50 nationally)
$20 below the national median
Source
Overdraft Transfer _____________________________________$5Within the typical range ($3–$5 nationally)
At the national median
per item · Source

ATM & CardVerified

Per Account | Credit Card Replacement for Lost/Stolen __________________________$10Within the typical range ($5–$10 nationally)
At the national median
Source
Per Draft | PIN # Replacement ____________________________________________$2Below the typical range ($5–$10 nationally)
$8 below the national median
Source

Wire TransfersVerified

Wire Transfer- Incoming ____________________________$20Above the typical range ($5–$15 nationally)
$10 above the national median
Source
Wire Transfer- Outgoing ____________________________$40Above the typical range ($20–$25 nationally)
$15 above the national median
Source

Check ServicesVerified

Money Orders ______________________________$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Source
Non-Member (SR) Check Cashing Fee____________________________$10Within the typical range ($5–$10 nationally)
$5 above the national median
Source
Stop Payment ____________________________________$20Within the typical range ($20–$30 nationally)
$6 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation ________________________________	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Early Membership Closure - If account is closed within 90 days of opening	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	—	Source
Paper Statement Fee ________________________________	$3Within the typical range ($2–$4.50 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee ____________________________________	$30Within the typical range ($25–$32 nationally)	At the national median	per item	—	Source
Non Sufficient Funds (NSF) _____________________________	$30
ATM & CardVerified
Per Account \| Credit Card Replacement for Lost/Stolen __________________________	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Per Draft \| PIN # Replacement ____________________________________________	$2
Wire TransfersVerified
Wire Transfer- Incoming ____________________________	$20Above the typical range ($5–$15 nationally)	$10 above the national median	—	—	Source
Wire Transfer- Outgoing ____________________________	$40
Check ServicesVerified
Money Orders ______________________________	$1Below the typical range ($1.75–$3 nationally)	$1 below the national median	—	—	Source
Non-Member (SR) Check Cashing Fee____________________________	$10
Cash & DepositVerified
Deposited Item Return	$25Within the typical range ($10–$25 nationally)	$10 above the national median	per item	—	Source
Account ServicesVerified
Levies/Court Orders/Subpoenas ______________	$100Above the typical range ($30–$75 nationally)	$50 above the national median	—	—	Source
Lending FeesVerified
Late Payment _______________________________________________	$20Within the typical range ($15–$25 nationally)	$2 below the national median	—	—	Source
Retirement & IRAVerified
IRA Transfer to Another Financial Institution _____________	$25Within the typical range ($25–$35 nationally)	At the national median	—	—	Source
Other FeesVerified
Statement Copy/Account Activity ____________________________	$2Within the typical range ($2–$5 nationally)	$1 below 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.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 19 — leaner than most institutions

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$106.9M

Total deposits

$82.7M

Service charge income (year to date)

$213K

Fee income ratio

6.9%

Return on assets

1.69%

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 37,565 published fee entries from 2,624 institutions

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