G.A.P. Federal Credit Union

Headquarters: Johnstown, Pennsylvania
Charter: Credit Union
Assets: $79.0M
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 18, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
G.A.P. Federal Credit Union: $30
G.A.P. Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
G.A.P. Federal Credit Union: $0.25
G.A.P. Federal Credit Union: $0.25
U.S. median: no median
Wire Transfer (Domestic Out)
G.A.P. Federal Credit Union: $15
G.A.P. Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 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 G.A.P. Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Account Fee – Open less than 90 days$5
Dormant Account$30
Dormant Account Fee - Share account balances under $100.00$25
ATM Dispute Fee – ThreeNo charge
ATM Dispute Fee – Three FREE per year (unless a data base breach)$10
Bad Address Fee$15
per month

Overdraft & NSF

ACH NSF Fee$30
ATM NSF Fee$30
Share Draft NSF Fee$30

ATM & Card

ATM Fee - per withdrawal transaction$0.25
per item
VISA Card Replacement Fee$5
ATM Card Rush Fee$35

Wire Transfers

Wire OUT Fee$15

Check Services

Certified Check$1.50
Certified Check$1
per item
Stop Payment Fee$10
Check/Draft Copy$3
per item

Cash & Deposit

ATM NSF Deposit Item$30
NSF Deposit Item$30

Account Services

Garnishment Fee - per notification$50

Lending Fees

Late Payment Fee$6.25
VISA Late Payment Fee$6.25
VISA Late Payment Fee$10
Loan Cancellation Fee$30
Mortgage Loan Origination Fee$300

Gift & Prepaid Cards

VISA Gift Card$2

Other Fees

Statement Copy or Printout$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee – Open less than 90 days	$5	Not stated	None
Dormant Account	$30	Not stated	None
Dormant Account Fee - Share account balances under $100.00	$25	Not stated	None
ATM Dispute Fee – Three	No charge	Not stated	None
ATM Dispute Fee – Three FREE per year (unless a data base breach)	$10	Not stated	None
Bad Address Fee	$15	per month	None
Overdraft & NSF
ACH NSF Fee	$30	Not stated	None
ATM NSF Fee	$30	Not stated	None
Share Draft NSF Fee	$30	Not stated	None
ATM & Card
ATM Fee - per withdrawal transaction	$0.25	per item	None
VISA Card Replacement Fee	$5	Not stated	None
ATM Card Rush Fee	$35	Not stated	None
Wire Transfers
Wire OUT Fee	$15	Not stated	None
Check Services
Certified Check	$1.50	Not stated	None
Certified Check	$1	per item	None
Stop Payment Fee	$10	Not stated	None
Check/Draft Copy	$3	per item	None
Cash & Deposit
ATM NSF Deposit Item	$30	Not stated	None
NSF Deposit Item	$30	Not stated	None
Account Services
Garnishment Fee - per notification	$50	Not stated	None
Lending Fees
Late Payment Fee	$6.25	Not stated	None
VISA Late Payment Fee	$6.25	Not stated	None
VISA Late Payment Fee	$10	Not stated	None
Loan Cancellation Fee	$30	Not stated	None
Mortgage Loan Origination Fee	$300	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$2	Not stated	None
Other Fees
Statement Copy or Printout	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 18, 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.

Fee change alerts

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