Courtesy Pay Fee$29Within the typical range ($25–$32 nationally)
$1 below the national median
per item · Source
NSF Fee$29Within the typical range ($25–$31 nationally)
$1 below the national median
per item · Source

ATM & CardVerified

ATM Replacement Card Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source
Foreign Cards at OSFCU ATM$2.50Within the typical range ($1–$2.50 nationally)
$0.75 above the national median
Source
Nonproprietary ATM Withdrawal/Transfer$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source

Wire TransfersVerified

Box Size | Fee | Domestic Wire Transfer Fee$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source

Check ServicesVerified

Cashier’s Check$4Within the typical range ($3–$6 nationally)
$1 below the national median
Source
Cashier’s Check Cashing Fee (non-member)$7Above the typical range ($3–$6 nationally)
$2 above the national median
per item · Source
Check Cashing Fee (non-member)$3Below the typical range ($5–$10 nationally)
$2 below the national median
per item · Source
Check Copy Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
per month after 1 year with no member activity | Money Order Fee$2Within the typical range ($1.50–$3 nationally)
At the national median
per month · Source
Photocopy of Cancelled Check$4Within the typical range ($2–$5 nationally)
$1 above the national median
per item · Source
Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$1 below the national median
Source

Digital & ElectronicVerified

maintained; | ACH/ECM Returned Item Fee$29Within the typical range ($17.25–$30 nationally)
$3 above the national median
per item · Source

Cash & DepositVerified

Return Deposited Item Fee$29Above the typical range ($10–$25 nationally)
$14 above the national median
per item · Source

Account ServicesVerified

10x10$58Within the typical range ($30–$70 nationally)
$13 above the national median
Source
3x10$25Below the typical range ($30–$70 nationally)
$20 below the national median
Source
5x10$36Within the typical range ($30–$70 nationally)
$9 below the national median
Source
Notary service for non- members$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source

Gift & Prepaid CardsVerified

Gift Card Fee$3Within the typical range ($3–$4.50 nationally)
$0.50 below the national median
Source

Other FeesVerified

Electronic Services Fees | Skip-a-Pay Fee/Deferment$25Within the typical range ($22.50–$35 nationally)
$3.25 below the national median
Source
Statement Copy Fee$3Within the typical range ($2–$5 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Gold Checking Monthly service charge	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
per item \| Account Research Fee	$25Within the typical range ($20–$25 nationally)	At the national median	per item	—	Source
Share Draft Printing Fee: \| Prices may vary upon style \| Account Reconciliation Fee	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Silver Checking Monthly service charge	$8Within the typical range ($3–$10 nationally)	$2.50 above the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$29Within the typical range ($25–$32 nationally)	$1 below the national median	per item	—	Source
NSF Fee	$29
ATM & CardVerified
ATM Replacement Card Fee	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Foreign Cards at OSFCU ATM	$2.50
Wire TransfersVerified
Box Size \| Fee \| Domestic Wire Transfer Fee	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Check ServicesVerified
Cashier’s Check	$4Within the typical range ($3–$6 nationally)	$1 below the national median	—	—	Source
Cashier’s Check Cashing Fee (non-member)	$7
Digital & ElectronicVerified
maintained; \| ACH/ECM Returned Item Fee	$29Within the typical range ($17.25–$30 nationally)	$3 above the national median	per item	—	Source
Cash & DepositVerified
Return Deposited Item Fee	$29Above the typical range ($10–$25 nationally)	$14 above the national median	per item	—	Source
Account ServicesVerified
10x10	$58Within the typical range ($30–$70 nationally)	$13 above the national median	—	—	Source
3x10	$25
Gift & Prepaid CardsVerified
Gift Card Fee	$3Within the typical range ($3–$4.50 nationally)	$0.50 below the national median	—	—	Source
Other FeesVerified
Electronic Services Fees \| Skip-a-Pay Fee/Deferment	$25Within the typical range ($22.50–$35 nationally)	$3.25 below the national median	—	—	Source
Statement Copy Fee	$3

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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

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

Total fees: 27

Headline fees published

9 of 15

Published fees

Under review

Assets

$124.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$124.0M

Total deposits

$110.4M

Service charge income (year to date)

$323K

Fee income ratio

10.1%

Return on assets

-0.44%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

Unlock all 60 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 42,910 published fee entries from 2,718 institutions

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