Saint Nicholas Federal Credit Union

Headquarters: Wilkes Barre, Pennsylvania
Charter: Credit Union
Assets: $3.6M
Fed district: Philadelphia

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

NSF / Returned Item
Saint Nicholas Federal Credit Union: $35
Saint Nicholas Federal Credit Union: $35
U.S. median: no median
Dormant Account
Compared at $10, the middle of its prices
Saint Nicholas Federal Credit Union: $5 to $15
Saint Nicholas Federal Credit Union: $5 to $15
U.S. median: no median
Early Account Closure
Saint Nicholas Federal Credit Union: $10
Saint Nicholas Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 Saint Nicholas Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fee for the Early Closing of an Account$10
After 1 year dormant$5
If more than 2 years dormant$10
Inactive Accounts Fee (cont.)$15

Overdraft & NSF

NSF Fee: Deducted from the member’s Share Account$35

Lending Fees

Late Payment Fee$35
Late Payment Fee | Applied to loan payments at 30 days late and continues every 30 days thereafter$35

Other Fees

Nonrefundable fee for a loan$30

Fee	Amount	Basis	Note
Account Maintenance
Fee for the Early Closing of an Account	$10	Not stated	None
After 1 year dormant	$5	Not stated	None
If more than 2 years dormant	$10	Not stated	None
Inactive Accounts Fee (cont.)	$15	Not stated	None
Overdraft & NSF
NSF Fee: Deducted from the member’s Share Account	$35	Not stated	None
Lending Fees
Late Payment Fee	$35	Not stated	None
Late Payment Fee \| Applied to loan payments at 30 days late and continues every 30 days thereafter	$35	Not stated	None
Other Fees
Nonrefundable fee for a loan	$30	Not stated	None

Correct a fee source

Nov 4, 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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