vs. U.S. typical range:LowerTypicalHigher
$9 above the national median$10 above the Pennsylvania median
per month · Source
$4 above the national median$5 above the Pennsylvania median
per month · Source
$12.50 below the national median$5 below the Pennsylvania median
At the national medianAt the Pennsylvania median
per month · Source
$32.50 above the national median$32.50 above the Pennsylvania median
$1 below the national medianAt the Pennsylvania median
$3 above the national median$3 above the Pennsylvania median
$15 below the national median$15 below the Pennsylvania median
At the national medianAt the Pennsylvania median
$8.50 above the national median$8.50 above the Pennsylvania median
At the national medianAt the Pennsylvania median
$10 below the national median$5 below the Pennsylvania median
—
$10 below the national median$10 below the Pennsylvania median
At the national median$5 below the Pennsylvania median
$20 above the national median$20 above the Pennsylvania median
At the national medianAt the Pennsylvania median
per item · Source
$2.50 below the national medianAt the Pennsylvania median
At the national medianAt the Pennsylvania median
$5 above the national median$5 above the Pennsylvania median
$10 below the national median$10 below the Pennsylvania median
$7 above the national median$7 above the Pennsylvania median
$5 above the national median$2.50 above the Pennsylvania median
per month · Source
$20 above the national median$17.50 above the Pennsylvania median
$62.50 above the national median$50 above the Pennsylvania median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| monthly service fee – waived for 90 days | $15Above the typical range ($4–$10 nationally) | $9 above the national median$10 above the Pennsylvania 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 ($4–$10 nationally) | $4 above the national median$5 above the Pennsylvania median | per month | — | Source |
| service fee to close an account within 90 days | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$5 below the Pennsylvania median | — | — | Source |
| Inactivity Fee - Charged monthly to each savings, checking, and money market account if no activity on any Citadel accou | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Pennsylvania median | per month | — | Source |
| Research Fee (includes account reconciliation) | $50Above the typical range ($12–$25 nationally) | $32.50 above the national median$32.50 above the Pennsylvania median | — | — | Source |
| paper statement fee | $2Within the typical range ($2–$4.88 nationally) | $1 below the national medianAt the Pennsylvania median | — | — | Source |
Overdraft & NSFVerified | |||||
| Courtesy Pay overdraft fee | $33Within the typical range ($25–$33 nationally) | $3 above the national median$3 above the Pennsylvania median | — | — | Source |
| returned item fee for Canadian checks | $15 | ||||
ATM & CardVerified | |||||
| CITADEL DEBIT/ATM CARD | $10Above the typical range ($1–$2.25 nationally) | $8.50 above the national median$8.50 above the Pennsylvania median | — | — | Source |
| lost card replacement fee (fee waived to replace a stolen Mastercard) | $10 | ||||
Wire TransfersVerified | |||||
| flat fee for any domestic wire executed through Business Online Banking | $15Below the typical range ($20–$25 nationally) | $10 below the national median$10 below the Pennsylvania median | — | — | Source |
| incoming domestic wire transfers (Fees refunded for Ultimate Growth Checking) | $10 | ||||
Check ServicesVerified | |||||
| Check Disbursed Fee - for each Cashier’s Check | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Pennsylvania median | per item | — | Source |
| stop payment fee (excluding Cashback Rewards Checking; see Ultimate Growth Checking for fee refunds based on Tier) | $25 | ||||
Digital & ElectronicVerified | |||||
| monthly fee with ACH origination | $15Within the typical range ($5–$20 nationally) | $5 above the national median$2.50 above the Pennsylvania median | per month | — | Source |
| one-time ACH origination setup fee | $30 | ||||
Other FeesVerified | |||||
| home equity loan/line of credit subordination fee | $100Within the typical range ($25–$100 nationally) | $62.50 above the national median$50 above the Pennsylvania median | — | — | Source |
Overdraft
$33.00
Of 73 others that publish it, 52 lower, 1 the same and 20 higher.
Monthly maintenance
$12.50
Of 26 others that publish it, 24 lower and 2 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$33
Headline fees published
12 of 15
Published fees
24
Under review
0
Assets
$6.9B
Work at Citadel Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
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
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $15 below the national median$15 below the Pennsylvania median |
| — |
| — |
| Source |
| overdraft transfer from your savings or loan account | $5Within the typical range ($2.50–$5 nationally) | At the national medianAt the Pennsylvania median | — | — | Source |
| At the national medianAt the Pennsylvania median |
| — |
| — |
| Source |
| Expedited Credit Card replacement fee | $30Within the typical range ($30–$50 nationally) | $10 below the national median$5 below the Pennsylvania median | — | — | Source |
| Foreign transaction fee | 1.1%of the transaction | — | — | — | Source |
| At the national median$5 below the Pennsylvania median |
| — |
| — |
| Source |
| incoming foreign wire transfers (Fees refunded for Ultimate Growth Checking) | $40Above the typical range ($10–$25 nationally) | $20 above the national median$20 above the Pennsylvania median | — | — | Source |
| $2.50 below the national medianAt the Pennsylvania median |
| — |
| — |
| Source |
| Non-member check cashing fee | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Pennsylvania median | — | — | Source |
| FOREIGN CHECK DEPOSITS | $25Within the typical range ($10–$25 nationally) | $5 above the national median$5 above the Pennsylvania median | — | — | Source |
| Varies – All other foreign check deposits | $10Within the typical range ($10–$25 nationally) | $10 below the national median$10 below the Pennsylvania median | — | — | Source |
| charge for copy of deposited item | $10Above the typical range ($2–$5 nationally) | $7 above the national median$7 above the Pennsylvania median | — | — | Source |
| $20 above the national median$17.50 above the Pennsylvania median |
| — |
| — |
| Source |