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

Education Personnel Federal Credit Union

Danville, IllinoisCredit UnionChicago Fed districtFees collected Mar 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

Account reconciliation/research fee$25Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=account_research; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Account reconciliation/research fee $25.00 Per hour (minimum $25.00)" · Source

Dormant account fee (>12 months)$10

$5 above the national median

per year · Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=dormant_account; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Dormant account fee (>12 months) $10.00 Per year" · Source

Early account closure fee (<90 days open)$25

$10 above the national median

Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=early_closure; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Early account closure fee (<90 days open) $25.00 Per account" · Source

Overdraft & NSFVerified

NSF (returned) fee$20Below the typical range ($25–$32 nationally)
$9 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=nsf; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="NSF (returned) fee $20.00 Per presentment" · Source
Overdraft (paid) fee$20Within the typical range ($20–$30 nationally)
$8 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=overdraft; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Overdraft (paid) fee $20.00 Per presentment" · Source

ATM & CardVerified

Credit card replacement fee$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=card_replacement; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Credit card replacement fee $15.00 Per card" · Source

Wire TransfersVerified

Wire transfer fee – incoming$10Within the typical range ($7.75–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=wire_domestic_incoming; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Wire transfer fee – incoming $10.00 Per wire" · Source
Wire transfer fee – outgoing, domestic$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=wire_domestic_outgoing; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Wire transfer fee – outgoing, domestic $20.00 Per wire" · Source

Check ServicesVerified

Stop payment order fee$20Within the typical range ($20–$30 nationally)
$7 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=stop_payment; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Stop payment order fee $20.00 Per item*" · Source

Cash & DepositVerified

Deposited item return fee$25Within the typical range ($9.50–$25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=deposited_item_return; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Deposited item return fee $25.00 Per return of item" · Source

Account ServicesVerified

Levy/garnishment processing fee$35Within the typical range ($25–$75 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=garnishment_levy; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Levy/garnishment processing fee $35.00 Per order" · Source

Lending FeesVerified

Loan late payment fee$25Within the typical range ($15–$26.50 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=late_payment; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Loan late payment fee $25.00 Per loan, per month" · Source

Gift & Prepaid CardsVerified

Prepaid Visa gift card activation fee$3Within the typical range ($3–$4.95 nationally)
$0.63 below the national median
Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=gift_card_purchase; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Prepaid Visa gift card activation fee $3.00 Per card" · Source
Prepaid Visa travel money card activation fee$5Within the typical range ($3.50–$7 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=prepaid_card_reload; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Prepaid Visa travel money card activation fee $5.00 Per transaction" · Source
Prepaid Visa travel money card reload fee$2Below the typical range ($3.50–$7 nationally)
$3 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=prepaid_card_reload; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Prepaid Visa travel money card reload fee $2.00 Per transaction" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account reconciliation/research fee	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=account_research; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Account reconciliation/research fee $25.00 Per hour (minimum $25.00)"	Source
Dormant account fee (>12 months)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per year	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=dormant_account; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Dormant account fee (>12 months) $10.00 Per year"	Source
Early account closure fee (<90 days open)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=early_closure; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Early account closure fee (<90 days open) $25.00 Per account"	Source
Overdraft & NSFVerified
NSF (returned) fee	$20Below the typical range ($25–$32 nationally)	$9 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=nsf; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="NSF (returned) fee $20.00 Per presentment"	Source
Overdraft (paid) fee
ATM & CardVerified
Credit card replacement fee	$15Above the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=card_replacement; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Credit card replacement fee $15.00 Per card"	Source
Wire TransfersVerified
Wire transfer fee – incoming	$10Within the typical range ($7.75–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=wire_domestic_incoming; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Wire transfer fee – incoming $10.00 Per wire"	Source
Wire transfer fee – outgoing, domestic
Check ServicesVerified
Stop payment order fee	$20Within the typical range ($20–$30 nationally)	$7 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=stop_payment; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Stop payment order fee $20.00 Per item*"	Source
Cash & DepositVerified
Deposited item return fee	$25Within the typical range ($9.50–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=deposited_item_return; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Deposited item return fee $25.00 Per return of item"	Source
Account ServicesVerified
Levy/garnishment processing fee	$35Within the typical range ($25–$75 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=garnishment_levy; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Levy/garnishment processing fee $35.00 Per order"	Source
Lending FeesVerified
Loan late payment fee	$25Within the typical range ($15–$26.50 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=late_payment; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Loan late payment fee $25.00 Per loan, per month"	Source
Gift & Prepaid CardsVerified
Prepaid Visa gift card activation fee	$3Within the typical range ($3–$4.95 nationally)	$0.63 below the national median	—	Knox deterministic extraction from Rosetta artifact #3549. canonical_hint=gift_card_purchase; text_hash=19882f0c79433612d301333d3d2369d2b3270d1d3df1aeb7cf14ae9815989c2f; excerpt="Prepaid Visa gift card activation fee $3.00 Per card"	Source
Prepaid Visa travel money card activation fee

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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

$20

Overdraft fee: $20

29% below the national median overdraft fee

Total fees: 15 — leaner than most institutions

Verified fees

Under review

Assets

$74.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$74.3M

Total deposits

$65.6M

Service charge income (year to date)

$127K

Fee income ratio

7.5%

Return on assets

0.75%

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

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