22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 21, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Citadel Federal Credit Union · $6.9B in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citadel Federal Credit Union(this institution) | Exton, PA | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Apple Federal Credit Union | Fairfax, VA | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Fund Staff Federal Credit Union | Washington, DC | $7.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal Federal Credit Union | Raleigh, NC | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Federal Credit Union | Appleton, WI | $6.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dfcu Financial Federal Credit Union | Dearborn, MI | $8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Educational Employees Federal Credit Union | Fresno, CA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Everwise Federal Credit Union | South Bend, IN | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Genisys Federal Credit Union | Auburn Hills, MI | $6.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kinecta Federal Credit Union | Manhattan Beach, CA | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Landmark Federal Credit Union | Brookfield, WI | $7.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Langley Federal Credit Union | Newport News, VA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mission Federal Credit Union | San Diego, CA | $7.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Nasa Federal Credit Union | Upper Marlboro, MD | $5.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Royal Federal Credit Union | Eau Claire, WI | $5.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Service Federal Credit Union | Portsmouth, NH | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spokane Teachers Federal Credit Union | Liberty Lake, WA | $6.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Credit Union of Maryland | Linthicum, MD | $5.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Farm Federal Credit Union | Bloomington, IL | $5.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tinker Federal Credit Union | Oklahoma City, OK | $6.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Travis Federal Credit Union | Vacaville, CA | $5.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Truliant Federal Credit Union | Winston Salem, NC | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trustone Financial Federal Credit Union | Plymouth, MN | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Wisconsin Federal Credit Union | Madison, WI | $6.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Virginia Federal Credit Union | Richmond, VA | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wescom Central Federal Credit Union | Pasadena, CA | $6.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $8 among 15 publishing peers.
Its two checking prices are $10 and $15.
$12.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from Citadel Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per month
per item
per item
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance (audience not stated, treated as personal) | $15 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $10 | per month | None |
| Early Account Closure (audience not stated, treated as personal) | $5 | Not stated | None |
| Service fee to close account within 90 days of opening | $33 | Not stated | None |
| Inactivity Fee - Charged monthly to each savings, checking, and money market account if no activity on any Citadel account for one year | $5 | per month | None |
| Monthly inactivity fee | $5 | per month | None |
| Research Fee (includes account reconciliation) | $50 | Not stated | None |
| Paper account statement fee | $5 | Not stated | None |
| Paper statement fee | $2 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay overdraft fee | $33 | Not stated | None |
| Non-sufficient funds (NSF) fee | $33 | Not stated | None |
| OD Protection Transfer (audience not stated, treated as personal) | $5 | per item | None |
| OD Protection Transfer | $5 | Not stated | None |
ATM & Card | |||
| Based on 1 free non-Citadel ATM withdrawals | $3 | Not stated | None |
| Citadel Debit/ATM Card (audience not stated, treated as personal) | $10 | Not stated | None |
| Each ATM withdrawal at non-Citadel ATMs | $2 | per item | None |
| Each balance inquiry at non-Citadel ATMs | $3 | per item | None |
| Non-Citadel ATM withdrawal | $3 | per transaction | None |
| Debit Card Replacement | $10 | Not stated | None |
| Expedited debit/ATM card replacement (audience not stated, treated as personal) | $30 | Not stated | None |
| Foreign transaction fee (audience not stated, treated as personal) | 1.1%of the transaction | Not stated | None |
| Foreign transaction fee | 1.1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Domestic In) (audience not stated, treated as personal) | $10 | Not stated | None |
| Wire Transfer (Int'l In) (audience not stated, treated as personal) | $40 | Not stated | None |
Check Services | |||
| Check Disbursed Fee - for each Cashier’s Check | $5 | per item | None |
| Stop Payment | $25 | Not stated | None |
| Stop payment fee | $25 | Not stated | None |
| Non-member check cashing fee | $5 | Not stated | None |
| Foreign Check Deposits (audience not stated, treated as personal) | $25 | Not stated | None |
| Foreign Check Deposits (audience not stated, treated as personal) | $35 | Not stated | None |
| Varies – All other foreign check deposits (audience not stated, treated as personal) | $10 | Not stated | None |
| Charge for copy of deposited item | $10 | Not stated | None |
Digital & Electronic | |||
| Monthly fee with ACH origination (audience not stated, treated as personal) | $15Not compared: Monthly charge, not per item | per month | None |
| One-time ACH origination setup fee (audience not stated, treated as personal) | $30 | one time | None |
Cash & Deposit | |||
| Deposited Item Return (audience not stated, treated as personal) | $40 | Not stated | None |
| Returned item fee for Canadian checks (audience not stated, treated as personal) | $15 | Not stated | None |
Account Services | |||
| Home equity loan/line of credit subordination fee | $100 | Not stated | None |
| Legal Process Fee | $50 | Not stated | None |
Other Fees | |||
| Home equity line of credit early termination fee | $250 | Not stated | None |
| Withdrawal fee for each withdrawal or transfer (three free per calendar quarter) | $25 | per transaction | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 21, 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.
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