vs. U.S. typical range:LowerTypicalHigher
$15 above the national median$10 above the Virginia median
per quarter · Source
$7.50 above the national median$10 above the Virginia median
$7.50 above the national median$10 above the Virginia median
$12.50 below the national median$10 below the Virginia median
per item · Source
$5 above the national median$5 above the Virginia median
$5 above the national median$5 above the Virginia median
At the national medianAt the Virginia median
per item · Source
$0.50 below the national medianAt the Virginia median
At the national medianAt the Virginia median
$5 above the national median$6.25 above the Virginia median
$10 below the national median$7.50 below the Virginia median
$2 above the national median$2 above the Virginia median
At the national medianAt the Virginia median
At the national median$0.50 below the Virginia median
per item · Source
$12.50 below the national median$15 below the Virginia median
$2 above the national median$1 above the Virginia median
$3 below the national medianAt the Virginia median
—
$2 above the national median$0.50 above the Virginia median
$20.50 below the national median$13 below the Virginia median
$12.50 below the national median$5 below the Virginia median
$22.50 below the national median$15 below the Virginia median
$17.50 below the national median$10 below the Virginia median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Dormant Account/Per Quarter (no activity for 1 year/effective Jan. 1, 2011) | $20Above the typical range ($5–$10 nationally) | $15 above the national median$10 above the Virginia median | per quarter | — | Source |
| Account Research/Per Hour | $25Within the typical range ($11.38–$25 nationally) | $7.50 above the national median$10 above the Virginia median | — | — | Source |
| Check Card research of charge-back or dispute that is proven to be a member authorized transaction | $25Within the typical range ($11.38–$25 nationally) | $7.50 above the national median$10 above the Virginia median | — | — | Source |
| Returned Mail/Per Piece | $5Below the typical range ($11.38–$25 nationally) | $12.50 below the national median$10 below the Virginia median | per item | — | Source |
Overdraft & NSFVerified | |||||
| ATM Share Overdraft (Balance Below ) | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5 above the Virginia median | — | — | Source |
| Returned Share Draft Check (NSF) | $35 | ||||
ATM & CardVerified | |||||
| ATM Transaction (Non-PTOFCU ATMs) | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national medianAt the Virginia median | — | — | Source |
| ATM Replacement Card | $10 | ||||
Wire TransfersVerified | |||||
| Wire Transfer Domestic | $30Above the typical range ($20–$25 nationally) | $5 above the national median$6.25 above the Virginia median | — | — | Source |
| Wire Transfer International | $40 | ||||
Check ServicesVerified | |||||
| Certified Check | $7Above the typical range ($3–$6 nationally) | $2 above the national median$2 above the Virginia median | — | — | Source |
| Official Check | $5 | ||||
Digital & ElectronicVerified | |||||
| ACH Origination | $5Within the typical range ($5–$20 nationally) | $5 below the national median | — | — | Source |
Cash & DepositVerified | |||||
| Visa Cash Advance | $2Within the typical range ($2–$10 nationally) | $3 below the national medianAt the Virginia median | — | — | Source |
Lending FeesVerified | |||||
| Visa Late Payment | 5%($15 minimum) | — | — | — | Source |
Other FeesVerified | |||||
| Copy of Statement | $5Within the typical range ($2–$5 nationally) | $2 above the national median$0.50 above the Virginia median | — | — | Source |
| Duplicate Lien Release | $17 | ||||
Overdraft
$35.00
Of 30 others that publish it, 23 lower, 7 the same and 0 higher.
Fee change alerts
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Headline fees vs. national median
Overdraft
$35
Headline fees published
9 of 15
Published fees
23
Under review
0
Assets
$40.1M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$40.1M
Total deposits
$37.1M
Service charge income (year to date)
$80K
Fee income ratio
9.7%
Return on assets
0.37%
Financial profile · Pro
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| $5 above the national median$5 above the Virginia median |
| — |
| — |
| Source |
| Overdraft Transfers/Per Transfer After 6 per month | $5Within the typical range ($2.50–$5 nationally) | At the national medianAt the Virginia median | per item | — | Source |
| At the national medianAt the Virginia median |
| — |
| — |
| Source |
| $10 below the national median$7.50 below the Virginia median |
| — |
| — |
| Source |
| At the national medianAt the Virginia median |
| — |
| — |
| Source |
| Money Order (each) | $2Within the typical range ($1.50–$3 nationally) | At the national median$0.50 below the Virginia median | per item | — | Source |
| Money Order Stop Payment | $15Below the typical range ($20–$30 nationally) | $12.50 below the national median$15 below the Virginia median | — | — | Source |
| Copy of Share Draft | $5Within the typical range ($2–$5 nationally) | $2 above the national median$1 above the Virginia median | — | — | Source |
| $20.50 below the national median$13 below the Virginia median |
| — |
| — |
| Source |
| Home Equity Loan Application | $25Within the typical range ($25–$100 nationally) | $12.50 below the national median$5 below the Virginia median | — | — | Source |
| Loan Extension Agreement | $15Below the typical range ($25–$100 nationally) | $22.50 below the national median$15 below the Virginia median | — | — | Source |
| Skip-A-Payment/Per Approved Request | $20Below the typical range ($25–$100 nationally) | $17.50 below the national median$10 below the Virginia median | — | — | Source |