Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Central Soya Federal Credit Union

Decatur, IndianaCredit UnionChicago Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #1516. canonical_hint=dormant_account; text_hash=ab83bfbf8b915a85a5dd0ed07e91084e2e1e13bbea32f7d2ecbebdddc374b726; excerpt="Dormant Account / $5.00/mo.(after 12 months)" · Source

Overdraft & NSFVerified

Overdraft (NSF)$20Within the typical range ($20–$30 nationally)
$8 below the national median
Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=overdraft; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="Overdraft (NSF) | $20.00" · Source
Returned Check$20Below the typical range ($25–$32 nationally)
$9 below the national median
Knox deterministic extraction from Rosetta artifact #1516. canonical_hint=nsf; text_hash=ab83bfbf8b915a85a5dd0ed07e91084e2e1e13bbea32f7d2ecbebdddc374b726; excerpt="Returned Check / $20.00" · Source

ATM & CardVerified

Card Replacement (ATM/Debit)$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1516. canonical_hint=card_replacement; text_hash=ab83bfbf8b915a85a5dd0ed07e91084e2e1e13bbea32f7d2ecbebdddc374b726; excerpt="Card Replacement (ATM/Debit) / $10.00" · Source
Replacement Visa Card$20Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=card_replacement; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="Replacement Visa Card | $20.00" · Source

Wire TransfersVerified

Wire Transfer (incoming)$20Above the typical range ($7.75–$15 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=wire_domestic_incoming; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="Wire Transfer (incoming) | $20.00" · Source
Wire Transfer (outgoing)$25Within the typical range ($20–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=wire_domestic_outgoing; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="Wire Transfer (outgoing) | $25.00" · Source

Check ServicesVerified

Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=check_image; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="Check Copy | $2.00" · Source
Stop Payment of Check$10Below the typical range ($20–$30 nationally)
$17 below the national median
Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=stop_payment; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="Stop Payment of Check | $10.00 (per request)" · Source

Digital & ElectronicVerified

ACH Origination$15Within the typical range ($5–$20 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=ach_origination; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="ACH Origination | $15.00" · Source

Other FeesVerified

Statement Copies$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #1516. canonical_hint=document_reproduction; text_hash=ab83bfbf8b915a85a5dd0ed07e91084e2e1e13bbea32f7d2ecbebdddc374b726; excerpt="Statement Copies / $1.00(per page)" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #1516. canonical_hint=dormant_account; text_hash=ab83bfbf8b915a85a5dd0ed07e91084e2e1e13bbea32f7d2ecbebdddc374b726; excerpt="Dormant Account / $5.00/mo.(after 12 months)"	Source
Overdraft & NSFVerified
Overdraft (NSF)	$20Within the typical range ($20–$30 nationally)	$8 below the national median	—	Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=overdraft; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="Overdraft (NSF) \| $20.00"	Source
Returned Check	$20
ATM & CardVerified
Card Replacement (ATM/Debit)	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1516. canonical_hint=card_replacement; text_hash=ab83bfbf8b915a85a5dd0ed07e91084e2e1e13bbea32f7d2ecbebdddc374b726; excerpt="Card Replacement (ATM/Debit) / $10.00"	Source
Replacement Visa Card
Wire TransfersVerified
Wire Transfer (incoming)	$20Above the typical range ($7.75–$15 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=wire_domestic_incoming; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="Wire Transfer (incoming) \| $20.00"	Source
Wire Transfer (outgoing)
Check ServicesVerified
Check Copy	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=check_image; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="Check Copy \| $2.00"	Source
Stop Payment of Check	$10
Digital & ElectronicVerified
ACH Origination	$15Within the typical range ($5–$20 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3774. canonical_hint=ach_origination; text_hash=bf50acbc5079e9cf28635275b7d0bf849b822f6ade06c8107146291507107e8e; excerpt="ACH Origination \| $15.00"	Source
Other FeesVerified
Statement Copies	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #1516. canonical_hint=document_reproduction; text_hash=ab83bfbf8b915a85a5dd0ed07e91084e2e1e13bbea32f7d2ecbebdddc374b726; excerpt="Statement Copies / $1.00(per page)"	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

$20

Overdraft fee: $20

29% below the national median overdraft fee

Total fees: 12 — leaner than most institutions

Verified fees

Under review

Assets

$33.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$33.2M

Total deposits

$27.2M

Service charge income (year to date)

$52K

Fee income ratio

7.8%

Return on assets

0.58%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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