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

Central Soya Federal Credit Union

Decatur, IndianaCredit UnionChicago 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

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

Overdraft & NSFVerified

Overdraft (NSF)$20Below the typical range ($25–$33 nationally)
$10 below the national median$10 below the Indiana median
Source
Returned Check$20Below the typical range ($25–$32 nationally)
$10 below the national median$10 below the Indiana median
Source

ATM & CardVerified

Card Replacement (ATM/Debit)$10Within the typical range ($5–$10 nationally)
At the national medianAt the Indiana median
Source
Replacement Visa Card$20Above the typical range ($5–$10 nationally)
$10 above the national median$10 above the Indiana median
Source

Wire TransfersVerified

Wire Transfer (outgoing)$25Within the typical range ($20–$25 nationally)
At the national median$5 above the Indiana median
Source
Wire Transfer (incoming)$20Above the typical range ($5–$15 nationally)
$10 above the national median$10 above the Indiana median
Source

Check ServicesVerified

Stop Payment of Check$10Below the typical range ($20–$30 nationally)
$17.50 below the national median$20 below the Indiana median
per item · Source
Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the Indiana median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Indiana median	per month	—	Source
Overdraft & NSFVerified
Overdraft (NSF)	$20Below the typical range ($25–$33 nationally)	$10 below the national median$10 below the Indiana median	—	—	Source
Returned Check	$20
ATM & CardVerified
Card Replacement (ATM/Debit)	$10Within the typical range ($5–$10 nationally)	At the national medianAt the Indiana median	—	—	Source
Replacement Visa Card	$20
Wire TransfersVerified
Wire Transfer (outgoing)	$25Within the typical range ($20–$25 nationally)	At the national median$5 above the Indiana median	—	—	Source
Wire Transfer (incoming)	$20
Check ServicesVerified
Stop Payment of Check	$10Below the typical range ($20–$30 nationally)	$17.50 below the national median$20 below the Indiana median	per item	—	Source
Check Copy	$2
Digital & ElectronicVerified
ACH Origination	$15Within the typical range ($5–$20 nationally)	$5 above the national median$5 above the Indiana median	—	—	Source
Other FeesVerified
Statement Copies	$1Below the typical range ($2–$5 nationally)	$2 below the national median$2 below the Indiana median	per item	—	Source

Fee change alerts

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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

33% below the national median overdraft fee

11 verified fees collected

Headline fees published

6 of 15

Published 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

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