17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Patent And Trademark Office Federal Credit Union · $40M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Patent And Trademark Office Federal Credit Union(this institution) | Alexandria, VA | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A & S Federal Credit Union | Aliquippa, PA | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chaves County School Employees Federal Credit Union | Roswell, NM | $40M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Connection Federal Credit Union | Silverdale, WA | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union One of Oklahoma | Oklahoma City, OK | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Diablo Valley Federal Credit Union | Concord, CA | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Erie Community Federal Credit Union | Sandusky, OH | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Golden Valley Federal Credit Union | Manteca, CA | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grand Trunk Battle Creek Emp Federal Credit Union | Battle Creek, MI | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hotel And Travel Industry Federal Credit Union | Honolulu, HI | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jax Fire Federal Credit Union | Jacksonville, FL | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Keystone Federal Credit Union | Tyler, TX | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| M O Federal Credit Union | Huron, SD | $41M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| M.P.D. Community Federal Credit Union | Nashville, TN | $41M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Manchester Municipal Federal Credit Union | Manchester, CT | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Nashville Firemen'S Federal Credit Union | Nashville, TN | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Niagara Regional Federal Credit Union | North Tonawanda, NY | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pee Dee Federal Credit Union | Florence, SC | $41M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Planites Federal Credit Union | Chicago, IL | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Public Service Federal Credit Union | Middlesex, NJ | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Red Oak Federal Credit Union | Tuscaloosa, AL | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| San Angelo Federal Credit Union | San Angelo, TX | $41M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sioux Valley Coop Federal Credit Union | Watertown, SD | $41M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Utica District Telephone Employees Federal Credit Union | Utica, NY | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Visionary Federal Credit Union | Bridgeville, PA | $41M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Westchester Schools' Federal Credit Union | Rye Brook, NY | $41M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(out-of-network atm)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1, against a peer median of $1.50 among 12 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Amounts from Patent And Trademark Office Federal Credit Union’s own schedules, with a source for each figure.
per quarter
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing Primary Account within 6 months of opening | $25 | Not stated | None |
| Dormant Account/Per Quarter (no activity for 1 year/effective Jan. 1, 2011) | $20Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research/Per Hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Check Card research of charge-back or dispute that is proven to be a member authorized transaction | $25 | Not stated | None |
| Returned Mail/Per Piece | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| ATM Share Overdraft (Balance Below $25.00) | $35 | Not stated | None |
| Check Card Overdraft | $35 | Not stated | None |
| Returned Electronic ACH (NSF) | $35 | Not stated | None |
| Returned Share Draft Check (NSF) | $35 | Not stated | None |
| Overdraft Transfers/Per Transfer After 6 per month | $5 | per item | None |
ATM & Card | |||
| ATM Transaction (Non-PTOFCU ATMs) | $1 | Not stated | None |
| ATM Replacement Card | $10 | Not stated | None |
| Check Card Replacement Card | $10 | Not stated | None |
| Visa Replacement Card | $10 | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic | $30 | Not stated | None |
| Wire Transfer International | $40 | Not stated | None |
Check Services | |||
| Certified Check | $7 | Not stated | None |
| Official Check | $5 | Not stated | None |
| Money Order (each) | $2 | per item | None |
| Money Order Stop Payment | $15 | Not stated | None |
| Stop Payment on Share Draft, Official Check, or Electronic ACH | $35 | Not stated | None |
| Copy of Share Draft | $5 | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $5 | Not stated | None |
Cash & Deposit | |||
| Visa Cash Advance | $2 | Not stated | None |
Lending Fees | |||
| Visa Late Payment | 5%($15 minimum) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5 | Not stated | None |
| Per Check/Facsimile (Fax) | $10 | per item | None |
| Duplicate Lien Release | $17 | Not stated | None |
| Home Equity Loan Application | $25 | Not stated | None |
| Loan Extension Agreement | $15 | Not stated | None |
| Request to pay-off loan with us | $10 | Not stated | None |
| Skip-A-Payment/Per Approved Request | $20 | Not stated | None |
Oct 15, 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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