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, under $300M

G.A.P. Federal Credit Union

Johnstown, 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

Bad Address Fee$15Below the typical range ($20–$25 nationally)

ATM & CardVerified

ATM Card Rush Fee$35Within the typical range ($30–$50 nationally)
$5 below the national median
Source
ATM Dispute Fee – Three$0Below the typical range ($1–$2.50 nationally)
$1.75 below the national median
per year · Source
ATM Fee - per withdrawal transaction$0.25Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
per transaction · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Bad Address Fee	$15Below the typical range ($20–$25 nationally)	$10 below the national median	per month	—	Source
Overdraft & NSFVerified
ATM NSF Fee	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
ATM & CardVerified
ATM Card Rush Fee	$35Within the typical range ($30–$50 nationally)	$5 below the national median	—	—	Source
ATM Dispute Fee – Three	$0Below the typical range ($1–$2.50 nationally)
Wire TransfersVerified
Wire OUT Fee/INTERNATIONAL	$15Below the typical range ($40–$50 nationally)	$35 below the national median	—	—	Source
Check ServicesVerified
Stop Payment Fee	$10Below the typical range ($20–$30 nationally)	$15 below the national median	—	—	Source
Account ServicesVerified
Garnishment Fee - per notification	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Lending FeesVerified
Mortgage Loan Origination Fee	$300Above the typical range ($25–$50 nationally)	$266 above the national median	—	—	Source
Gift & Prepaid CardsVerified
VISA Gift Card	$2Below the typical range ($3–$4.47 nationally)	$1.50 below the national median	—	—	Source
Other FeesVerified
Statement Copy or Printout	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source

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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.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 11 — leaner than most institutions

Headline fees published

4 of 15

Published fees

Under review

Assets

$79.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$79.0M

Total deposits

$67.8M

Service charge income (year to date)

$48K

Fee income ratio

2.3%

Return on assets

1.66%

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 33,861 verified fees from 2,470 institutions

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