Citadel Federal Credit Union

Headquarters: Exton, Pennsylvania
Charter: Credit Union
Assets: $6.9B
Fed district: Philadelphia

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $12.50, the middle of its prices
Citadel Federal Credit Union: $10 to $15
Citadel Federal Credit Union: $10 to $15
U.S. median: no median
Overdraft (OD)
Citadel Federal Credit Union: $33
Citadel Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Citadel Federal Credit Union: $33
Citadel Federal Credit Union: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Citadel Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance (audience not stated, treated as personal)$15
per month
Monthly Maintenance (audience not stated, treated as personal)$10
per month
Early Account Closure (audience not stated, treated as personal)$5
Service fee to close account within 90 days of opening$33
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
Monthly inactivity fee$5
per month
Research Fee (includes account reconciliation)$50
Paper account statement fee$5
Paper statement fee$2

Overdraft & NSF

Courtesy Pay overdraft fee$33
Non-sufficient funds (NSF) fee$33
OD Protection Transfer (audience not stated, treated as personal)$5
per item
OD Protection Transfer$5

ATM & Card

Based on 1 free non-Citadel ATM withdrawals$3
Citadel Debit/ATM Card (audience not stated, treated as personal)$10
Each ATM withdrawal at non-Citadel ATMs$2
per item
Each balance inquiry at non-Citadel ATMs$3
per item
Non-Citadel ATM withdrawal$3
per transaction
Debit Card Replacement$10
Expedited debit/ATM card replacement (audience not stated, treated as personal)$30
Foreign transaction fee (audience not stated, treated as personal)1.1%of the transaction
Foreign transaction fee1.1%of the transaction

Wire Transfers

Wire Transfer (Domestic In) (audience not stated, treated as personal)$10
Wire Transfer (Int'l In) (audience not stated, treated as personal)$40

Check Services

Check Disbursed Fee - for each Cashier’s Check$5
per item
Stop Payment$25
Stop payment fee$25
Non-member check cashing fee$5
Foreign Check Deposits (audience not stated, treated as personal)$25
Foreign Check Deposits (audience not stated, treated as personal)$35
Varies – All other foreign check deposits (audience not stated, treated as personal)$10
Charge for copy of deposited item$10

Digital & Electronic

Monthly fee with ACH origination (audience not stated, treated as personal)$15
Not compared: Monthly charge, not per item
per month
One-time ACH origination setup fee (audience not stated, treated as personal)$30
one time

Cash & Deposit

Deposited Item Return (audience not stated, treated as personal)$40
Returned item fee for Canadian checks (audience not stated, treated as personal)$15

Account Services

Home equity loan/line of credit subordination fee$100
Legal Process Fee$50

Other Fees

Home equity line of credit early termination fee$250
Withdrawal fee for each withdrawal or transfer (three free per calendar quarter)$25
per transaction

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

Correct a fee source

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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