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, $1B to $10B

Citadel Federal Credit Union

Exton, PennsylvaniaCredit UnionPhiladelphia Fed districtFees collected Oct 3, 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

/hour Research Fee (includes account reconciliation)$50Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay overdraft fee2,4$33Above the typical range ($25–$32 nationally)
$3 above the national median
Source
Non-sufficient funds (NSF) fee3,4$5Below the typical range ($25–$31.50 nationally)
$25 below the national median
Source
Non-sufficient funds (NSF) fee3,4$33Above the typical range ($25–$31.50 nationally)
$3 above the national median
Source
overdraft transfer from your savings or loan account$5Within the typical range ($3–$5 nationally)
At the national median
Source
returned item fee for Canadian checks$15Below the typical range ($25–$31.50 nationally)
$15 below the national median
Source

ATM & CardVerified

ATM (Citadel Star Savings$0Below the typical range ($1–$2.50 nationally)
$1.75 below the national median
Source
CITADEL DEBIT/ATM CARD$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source
Expedited Credit Card replacement fee$30Within the typical range ($30–$50 nationally)
$10 below the national median
Source
lost card replacement fee (fee waived to replace a stolen Mastercard)$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

incoming domestic wire transfers$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
incoming domestic wire transfers (Fees refunded for Ultimate Growth Checking)$40Above the typical range ($5–$15 nationally)
$30 above the national median
Source
incoming domestic wire transfers (Fees refunded for Ultimate Growth Checking)$10Within the typical range ($5–$15 nationally)
At the national median
Source
incoming foreign wire transfers$50Above the typical range ($10–$25 nationally)
$35 above the national median
Source
incoming foreign wire transfers (Fees refunded for Ultimate Growth Checking)$15Within the typical range ($10–$25 nationally)
At the national median
Source
incoming foreign wire transfers (Fees refunded for Ultimate Growth Checking)$40Above the typical range ($10–$25 nationally)
$25 above the national median
Source
outgoing domestic wire transfers less than (See Ultimate Growth Checking for fee refunds based on Tier)$15Below the typical range ($20–$25 nationally)
$10 below the national median
Source
outgoing domestic wire transfers of or more$40Above the typical range ($20–$25 nationally)
$15 above the national median
Source
outgoing domestic wire transfers of or more (See Ultimate Growth Checking for fee refunds based on Tier)$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source
outgoing foreign wire transfers$50Within the typical range ($40–$50 nationally)
At the national median
Source

Check ServicesVerified

Cashier’s Check$10Above the typical range ($3–$5.50 nationally)
$5 above the national median
Source
Check Disbursed Fee - for each Cashier’s Check$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Non-member check cashing fee$5Within the typical range ($5–$10 nationally)
At the national median
Source
stop payment fee$15Below the typical range ($20–$30 nationally)
$11 below the national median
Source
stop payment fee (excluding Cashback Rewards Checking; see Ultimate Growth Checking for fee refunds based on Tier)$25Within the typical range ($20–$30 nationally)
$1 below the national median
Source

Account ServicesVerified

home equity loan/line of credit subordination fee$250Above the typical range ($46.25–$150 nationally)
$150 above the national median
Source
home equity loan/line of credit subordination fee$100Within the typical range ($46.25–$150 nationally)
At the national median
Source
Legal Process Fee5$50Within the typical range ($46.25–$150 nationally)
$50 below the national median
Source
lien release letter$10Below the typical range ($46.25–$150 nationally)
$90 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
/hour Research Fee (includes account reconciliation)	$50Above the typical range ($20–$25 nationally)	$25 above the national median	—	—	Source
after 60 days monthly service fee waived if average daily bala	$5Within the typical range ($3–$10 nationally)	$0.50 below the national median	per month	—	Source
Fee (includes account reconciliation)	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
monthly service fee – waived for 90 days	$15Above the typical range ($3–$10 nationally)	$9.50 above the national median	per month	—	Source
monthly service fee – waived for 90 days following account opening; after 90 days monthly service fee waived if one of t	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
paper statement fee (waived for 60 days following account opening; after 60 days waived for members under age 21 and 70+	$2Within the typical range ($2–$4.50 nationally)	$1 below the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay overdraft fee2,4	$33Above the typical range ($25–$32 nationally)	$3 above the national median	—	—	Source
Non-sufficient funds (NSF) fee3,4	$5
ATM & CardVerified
ATM (Citadel Star Savings	$0Below the typical range ($1–$2.50 nationally)	$1.75 below the national median	—	—	Source
CITADEL DEBIT/ATM CARD	$1
Wire TransfersVerified
incoming domestic wire transfers	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
incoming domestic wire transfers (Fees refunded for Ultimate Growth Checking)	$40
Check ServicesVerified
Cashier’s Check	$10Above the typical range ($3–$5.50 nationally)	$5 above the national median	—	—	Source
Check Disbursed Fee - for each Cashier’s Check	$5
Digital & ElectronicVerified
fee with ACH origination	$30Above the typical range ($5–$20 nationally)	$20 above the national median	—	—	Source
Cash & DepositVerified
Cash advance fee of up to 5.0% of amount advanced ( minimum)	$10Within the typical range ($3–$10 nationally)	$5 above the national median	—	—	Source
Account ServicesVerified
home equity loan/line of credit subordination fee	$250Above the typical range ($46.25–$150 nationally)	$150 above the national median	—	—	Source
home equity loan/line of credit subordination fee	$100

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$6.9B

Total deposits

$5.8B

Service charge income (year to date)

$11.4M

Fee income ratio

5.7%

Return on assets

0.46%

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 37,727 published fee entries from 2,634 institutions

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Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

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