Universal Federal Credit Union

Headquarters: Huntington, West Virginia
Charter: Credit Union
Assets: $99.5M
Fed district: Richmond

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

Source: its fee schedule, read Oct 3, 2026.

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Fees against the market

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

Overdraft (OD)
Universal Federal Credit Union: $30
Universal Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Universal Federal Credit Union: $30
Universal Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Universal Federal Credit Union: $20
Universal Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 3, 2026View sources

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

Account Maintenance

Dormant/Inactivity Fee (per month after 12 months without activity)$5
per month
Account Reconciliation Fee$25
varies · per hour
Research fee (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Courtesy Clearing$30
per item
Insufficient funds item fee$30
per item
Returned Item Fee$30
per item · unpaid items returned by the institution upon which drawn

ATM & Card

Debit Card Reissue (per occurrence)$15
per item

Wire Transfers

Wire Transfer Fee - Outgoing USA$20
per item · per wire transfer
Wire Transfer Fee - Incoming$15
per item · per wire transfer

Check Services

Official Check$5
per item
Money order fee (per money order)$2
per item
Stop Payment – Share Draft (Check)/ACH/Bill Pay$30
per item
Check "Share Draft or Official Check" copy fee (per item)$7
per item

Digital & Electronic

Bill Pay & Zelle$3

Account Services

Safe Deposit Box Fee (pro-rated)$18
per year
Account Verification Fee—including special letters$15
per item

Other Fees

Statement copy fee (per statement/printout)$2
per item
Loan Application Fee$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant/Inactivity Fee (per month after 12 months without activity)	$5	per month	None
Account Reconciliation Fee	$25	varies	per hour
Research fee (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Courtesy Clearing	$30	per item	None
Insufficient funds item fee	$30	per item	None
Returned Item Fee	$30	per item	unpaid items returned by the institution upon which drawn
ATM & Card
Debit Card Reissue (per occurrence)	$15	per item	None
Wire Transfers
Wire Transfer Fee - Outgoing USA	$20	per item	per wire transfer
Wire Transfer Fee - Incoming	$15	per item	per wire transfer
Check Services
Official Check	$5	per item	None
Money order fee (per money order)	$2	per item	None
Stop Payment – Share Draft (Check)/ACH/Bill Pay	$30	per item	None
Check "Share Draft or Official Check" copy fee (per item)	$7	per item	None
Digital & Electronic
Bill Pay & Zelle	$3	Not stated	None
Account Services
Safe Deposit Box Fee (pro-rated)	$18	per year	None
Account Verification Fee—including special letters	$15	per item	None
Other Fees
Statement copy fee (per statement/printout)	$2	per item	None
Loan Application Fee	$10	per item	None

Correct a fee source

Oct 3, 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.

Fee change alerts

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