Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Ellafi Federal Credit Union

Middletown, ConnecticutCredit UnionBoston Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

/each month skipped | Inactive Home Banking$5.50Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=dormant_account; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$2.50/Month | Skip-A-Pay Fee | $35.00/$35.00/each month skipped | Inactive Home Banking | $5.50/Month - If inactive for 60 Days" · Source

/If account closed within (3) three$10

$5 below the national median

Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=early_closure; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$10.00/If account closed within (3) three" · Source

/One-time fee- | Account Reconciliation$15

$5 below the national median

Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=account_research; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$10.00/One-time fee- | Account Reconciliation | $15.00/Hour | Courtesy Pay" · Source

/Transfer | Inactive Debit Card$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=dormant_account; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Wire Transfer Incoming | $10.00/Transfer$10.00/Transfer | Inactive Debit Card | $5.00/Month – If no debit card transactions" · Source

Credit Union | Escheat$10

$5 above the national median

Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=dormant_account; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Courtesy Pay | Courtesy Pay coverage at Credit Union | Escheat | $10.00" · Source

submission/resubmission) | Low Balance Fee$5.50

$0.50 below the national median

per month · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=minimum_balance; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="submission/resubmission) | Low Balance Fee | $5.50/Month" · Source

Overdraft & NSFVerified

/month - members 70 | Courtesy Pay ATM and$35Above the typical range ($20–$30 nationally)
$7 above the national median
per month · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=overdraft; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="opened in branch. | $5.00/month - members 70 | Courtesy Pay ATM and | $35.00/Item" · Source
/One-time fee- | Account Reconciliation | /Hour | Courtesy Pay$10Below the typical range ($20–$30 nationally)
$18 below the national median
Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=overdraft; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$10.00/One-time fee- | Account Reconciliation | $15.00/Hour | Courtesy Pay" · Source
Account Closure | months | Insufficient Funds (NSF)$39Above the typical range ($25–$32 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=nsf; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Account Closure | months | Insufficient Funds (NSF) $39.00/Item" · Source
Overdraft Transfer$12Above the typical range ($2.50–$5 nationally)
$7 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=od_protection_transfer; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Overdraft Transfer | $12.00/Item | for less than 90 | • | Closed loans within the last 9" · Source

ATM & CardVerified

per item | Card Replacement$15Above the typical range ($5–$10 nationally)
$5 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=card_replacement; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Foreign Deposited Item $5.00 per item | Card Replacement | $15.00" · Source

Wire TransfersVerified

Wire Transfer Incoming$10Within the typical range ($7.75–$15 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=wire_domestic_incoming; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Wire Transfer Incoming | $10.00/Transfer$10.00/Transfer | Inactive Debit Card | $5.00/Month – If no debit card transactions" · Source

Check ServicesVerified

Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=check_image; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Check Copy | $5.00/Item | days | months" · Source
Money Order$5Above the typical range ($2–$3.50 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=money_order; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Money Order | $5.00/Money Order" · Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=stop_payment; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Stop Payment | $25.00/Item | •" · Source

Cash & DepositVerified

Deposited Item Return$25Within the typical range ($9.50–$25 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=deposited_item_return; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Deposited Item Return | $25.00/Item" · Source

Account ServicesVerified

HOLIDAY CLUB ACCOUNT FEES | Legal Process$50Within the typical range ($25–$100 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=legal_process; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="HOLIDAY CLUB ACCOUNT FEES | Legal Process | $50.00/Notice | • | Medallion Signature Guarantee to our members" · Source

Lending FeesVerified

/Month | Skip-A-Pay Fee$35Above the typical range ($15–$26.50 nationally)
$10 above the national median
per month · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=late_payment; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$2.50/Month | Skip-A-Pay Fee | $35.00/$35.00/each month skipped | Inactive Home Banking | $5.50/Month - If inactive for 60 Days" · Source
/Month | Skip-A-Pay Fee | / /each month skipped | Inactive Home Banking | /Month - If inactive for 60 Days$2.50Below the typical range ($15–$26.50 nationally)
$22.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=late_payment; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$2.50/Month | Skip-A-Pay Fee | $35.00/$35.00/each month skipped | Inactive Home Banking | $5.50/Month - If inactive for 60 Days" · Source

Other FeesVerified

Certificate of Deposit | Statement Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=document_reproduction; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Certificate of Deposit | Statement Copy | $5.00/Copy | in)" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
/each month skipped \| Inactive Home Banking	$5.50Within the typical range ($5–$10 nationally)	$0.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=dormant_account; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$2.50/Month \| Skip-A-Pay Fee \| $35.00/$35.00/each month skipped \| Inactive Home Banking \| $5.50/Month - If inactive for 60 Days"	Source
/If account closed within (3) three	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=early_closure; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$10.00/If account closed within (3) three"	Source
/One-time fee- \| Account Reconciliation	$15Within the typical range ($15–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=account_research; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$10.00/One-time fee- \| Account Reconciliation \| $15.00/Hour \| Courtesy Pay"	Source
/Transfer \| Inactive Debit Card	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=dormant_account; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Wire Transfer Incoming \| $10.00/Transfer$10.00/Transfer \| Inactive Debit Card \| $5.00/Month – If no debit card transactions"	Source
Credit Union \| Escheat	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=dormant_account; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Courtesy Pay \| Courtesy Pay coverage at Credit Union \| Escheat \| $10.00"	Source
submission/resubmission) \| Low Balance Fee	$5.50Within the typical range ($5–$12.25 nationally)	$0.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=minimum_balance; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="submission/resubmission) \| Low Balance Fee \| $5.50/Month"	Source
Overdraft & NSFVerified
/month - members 70 \| Courtesy Pay ATM and	$35Above the typical range ($20–$30 nationally)	$7 above the national median	per month	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=overdraft; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="opened in branch. \| $5.00/month - members 70 \| Courtesy Pay ATM and \| $35.00/Item"	Source

ATM & CardVerified
per item \| Card Replacement	$15Above the typical range ($5–$10 nationally)	$5 above the national median	per item	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=card_replacement; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Foreign Deposited Item $5.00 per item \| Card Replacement \| $15.00"	Source
Wire TransfersVerified
Wire Transfer Incoming	$10Within the typical range ($7.75–$15 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=wire_domestic_incoming; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Wire Transfer Incoming \| $10.00/Transfer$10.00/Transfer \| Inactive Debit Card \| $5.00/Month – If no debit card transactions"	Source
Check ServicesVerified
Check Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per item	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=check_image; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Check Copy \| $5.00/Item \| days \| months"	Source
Money Order
Cash & DepositVerified
Deposited Item Return	$25Within the typical range ($9.50–$25 nationally)	$10 above the national median	per item	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=deposited_item_return; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Deposited Item Return \| $25.00/Item"	Source
Account ServicesVerified
HOLIDAY CLUB ACCOUNT FEES \| Legal Process	$50Within the typical range ($25–$100 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=legal_process; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="HOLIDAY CLUB ACCOUNT FEES \| Legal Process \| $50.00/Notice \| • \| Medallion Signature Guarantee to our members"	Source
Lending FeesVerified
/Month \| Skip-A-Pay Fee	$35Above the typical range ($15–$26.50 nationally)	$10 above the national median	per month	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=late_payment; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="$2.50/Month \| Skip-A-Pay Fee \| $35.00/$35.00/each month skipped \| Inactive Home Banking \| $5.50/Month - If inactive for 60 Days"	Source

Other FeesVerified
Certificate of Deposit \| Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #4091. canonical_hint=document_reproduction; text_hash=53fbbcd6f77b5b819e777329196f5c92b150648816dd36183db7e04de450d643; excerpt="Certificate of Deposit \| Statement Copy \| $5.00/Copy \| in)"	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

$35

Overdraft fee: $35

25% above the national median overdraft fee

Total fees: 20 — leaner than most institutions

Verified fees

Under review

Assets

$178.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$178.1M

Total deposits

$160.9M

Service charge income (year to date)

$657K

Fee income ratio

12.2%

Return on assets

0.11%

Financial profile · Pro

Performance from regulator filings

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

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

See pricing

/One-time fee- | Account Reconciliation | /Hour | Courtesy Pay

/Month | Skip-A-Pay Fee | / /each month skipped | Inactive Home Banking | /Month - If inactive for 60 Days