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

Galaxy Federal Credit Union

Franklin, 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

Account Research, per hour$36Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

ATM Overdraft$25Within the typical range ($25–$32 nationally)
$5 below the national median
Source
Returned check$25Within the typical range ($25–$31 nationally)
$5 below the national median
Source

ATM & CardVerified

ATM or Debit Card$0Below the typical range ($1–$2.50 nationally)
$1.75 below the national median
Source
Replacement ATM/debit card$15Above the typical range ($5–$10 nationally)
$5 above the national median
Source

Wire TransfersVerified

Wire transfer (incoming)$12Within the typical range ($5–$15 nationally)
$2 above the national median
Source
Wire transfer (outgoing)$22Within the typical range ($20–$25 nationally)
$3 below the national median
Source

Check ServicesVerified

Cashier/Official check$5Within the typical range ($3–$6 nationally)
At the national median
Source
Certified checks$7Above the typical range ($3–$6 nationally)
$2 above the national median
Source
Photocopy of check ($0Below the typical range ($2–$5 nationally)
$3 below the national median
Source
Stop payment - per item$11Below the typical range ($20–$30 nationally)
$15.25 below the national median
per item · Source
Stop payment - range$17Below the typical range ($20–$30 nationally)
$9.25 below the national median
Source

Cash & DepositVerified

Night Deposit$0Below the typical range ($5–$20 nationally)
$10 below the national median
Source
Return deposited item$25Within the typical range ($10–$25 nationally)
$10 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research, per hour	$36Above the typical range ($20–$25 nationally)	$11 above the national median	—	—	Source
Dormant accounts (per month after 2 years)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Monthly minimum balance fee	$0Below the typical range ($3–$10 nationally)	$5 below the national median	per month	—	Source
Monthly service charge	$0Below the typical range ($3–$10 nationally)	$5.50 below the national median	per month	—	Source
Overdraft & NSFVerified
ATM Overdraft	$25Within the typical range ($25–$32 nationally)	$5 below the national median	—	—	Source
Returned check	$25
ATM & CardVerified
ATM or Debit Card	$0Below the typical range ($1–$2.50 nationally)	$1.75 below the national median	—	—	Source
Replacement ATM/debit card	$15
Wire TransfersVerified
Wire transfer (incoming)	$12Within the typical range ($5–$15 nationally)	$2 above the national median	—	—	Source
Wire transfer (outgoing)	$22
Check ServicesVerified
Cashier/Official check	$5Within the typical range ($3–$6 nationally)	At the national median	—	—	Source
Certified checks	$7
Digital & ElectronicVerified
ACH Return/Overdraft	$25Within the typical range ($18–$30 nationally)	At the national median	—	—	Source
Cash & DepositVerified
Night Deposit	$0Below the typical range ($5–$20 nationally)	$10 below the national median	—	—	Source
Return deposited item	$25
Account ServicesVerified
Garnishment request fee	$35Within the typical range ($30–$75 nationally)	$15 below the national median	—	—	Source
Gift & Prepaid CardsVerified
VISA gift card	$3Within the typical range ($3–$4.56 nationally)	$0.50 below the national median	—	—	Source
Other FeesVerified
Copy of statement (	$0Below the typical range ($2–$5 nationally)	$3 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.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 22 — leaner than most institutions

Headline fees published

11 of 15

Published fees

Under review

Assets

$72.6M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$72.6M

Total deposits

$59.8M

Service charge income (year to date)

$41K

Fee income ratio

2.4%

Return on assets

0.47%

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 43,125 published fee entries from 2,735 institutions

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