Unity Catholic Federal Credit Union

Headquarters: Parma, Ohio
Charter: Credit Union
Assets: $98.0M
Fed district: Cleveland

30 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 20, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Unity Catholic Federal Credit Union: $35
Unity Catholic Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Unity Catholic Federal Credit Union: $35
Unity Catholic Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Compared at $0.75, the middle of its prices
Unity Catholic Federal Credit Union: $0.50 to $1
Unity Catholic Federal Credit Union: $0.50 to $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Unity Catholic Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account closed within 12 months of opening$25
Early Account Closure within 90 days (except IRA accounts)$25
Not compared: CD/IRA fee
Dormant Account Fee after 1 year Waived for members under 18 years old$5
per month
Escheat Fee$50
Home Banking Inactive Fee (non-use for 90 days)$1
per month
Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Chargeback Fee per dispute$25
Money Market Excess Withdrawal Fee (after 3)$10
per item
Returned Mail Charge$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$35
ACH-DEBITS: Non-Sufficient Funds$35
NSF Check Return$35
Returned Check Fee due to NSF$35

ATM & Card

ATM Transaction - Over 8/month any network$0.50
per item
Inquiry Fee - Non-Unity Catholic ATMs$1
Card Replacement$15
Card Replacement – Rush$35
Foreign Transaction1%of the transaction
Foreign Transaction (audience not stated, treated as personal)1%of the transaction
Foreign Transaction Fee0.9%of the transaction
Foreign Transaction Fee (audience not stated, treated as personal)0.9%of the transaction

Wire Transfers

WIRE TRANSFER/WIRE SERVICE: Outgoing - Domestic$25
per item
WIRE TRANSFER/WIRE SERVICE: Incoming - Domestic$15
per item

Check Services

Money Order Fee$1.50
per item
Counter Check Stop Payment$35
Stop Payment$35
Counter Check made out to third party$2
per item
Temporary Checks$1
Not compared: Charged per page; comparison unavailable
per page
Check Cashing (Less than, no other active service) Active = service used at least every 6 months$5
per item
Check Cashing (Members under 18 years of age)No charge
Check Cashing (Non-Members)$15
Collection Fee – Draft presented for Collection$35
Photo Copies of checks in Home BankingNo charge
Photo Copy of a Check$5
per item
Record Retrieval - Microfilm Copy of draft or other record$5
per item

Digital & Electronic

One-time ACH Origination Fee$25
one time
ACH Return Fee$35
Bill Pay - initial 3 months free, then non-use$3
per month

Cash & Deposit

Non-Member Cash Advance Fee$5
Deposited Item Return$25

Account Services

Notary Fee (Member)No charge
Notary Fee (Non-Member)$5
Annual Fee - Box size 3x10$55
per year
Annual Fee - Box size 3x5$30
per year
Annual Fee - Box size 5x10$70
per year
Annual Fee - Box size 5x5$45
per year
Late Fee$10
Not compared: Box drilling or key fee
Replacement Key(s)$30
Not compared: Box drilling or key fee
Tax Levy/Garnishment/Litigation$55
Subordination Fee$150
Account Verification Processing Fee$5

Lending Fees

Late Payment Fee$27
Late Payment Fee (All loans)$35

Gift & Prepaid Cards

VISA Gift Card$2.95
VISA Prepaid Re-Loadable Debit Card$3.95

Other Fees

Payoff Request by paper form$25

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 12 months of opening	$25	Not stated	None
Early Account Closure within 90 days (except IRA accounts)	$25Not compared: CD/IRA fee	Not stated	None
Dormant Account Fee after 1 year Waived for members under 18 years old	$5	per month	None
Escheat Fee	$50	Not stated	None
Home Banking Inactive Fee (non-use for 90 days)	$1	per month	None
Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Chargeback Fee per dispute	$25	Not stated	None
Money Market Excess Withdrawal Fee (after 3)	$10	per item	None
Returned Mail Charge	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$35	Not stated	None
ACH-DEBITS: Non-Sufficient Funds	$35	Not stated	None
NSF Check Return	$35	Not stated	None
Returned Check Fee due to NSF	$35	Not stated	None
ATM & Card
ATM Transaction - Over 8/month any network	$0.50	per item	None
Inquiry Fee - Non-Unity Catholic ATMs	$1	Not stated	None
Card Replacement	$15	Not stated	None
Card Replacement – Rush	$35	Not stated	None
Foreign Transaction	1%of the transaction	Not stated	None
Foreign Transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Foreign Transaction Fee	0.9%of the transaction	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	0.9%of the transaction	Not stated	None
Wire Transfers
WIRE TRANSFER/WIRE SERVICE: Outgoing - Domestic	$25	per item	None
WIRE TRANSFER/WIRE SERVICE: Incoming - Domestic	$15	per item	None
Check Services
Money Order Fee	$1.50	per item	None
Counter Check Stop Payment	$35	Not stated	None
Stop Payment	$35	Not stated	None
Counter Check made out to third party	$2	per item	None
Temporary Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
Check Cashing (Less than, no other active service) Active = service used at least every 6 months	$5	per item	None
Check Cashing (Members under 18 years of age)	No charge	Not stated	None
Check Cashing (Non-Members)	$15	Not stated	None
Collection Fee – Draft presented for Collection	$35	Not stated	None
Photo Copies of checks in Home Banking	No charge	Not stated	None
Photo Copy of a Check	$5	per item	None
Record Retrieval - Microfilm Copy of draft or other record	$5	per item	None
Digital & Electronic
One-time ACH Origination Fee	$25	one time	None
ACH Return Fee	$35	Not stated	None
Bill Pay - initial 3 months free, then non-use	$3	per month	None
Cash & Deposit
Non-Member Cash Advance Fee	$5	Not stated	None
Deposited Item Return	$25	Not stated	None
Account Services
Notary Fee (Member)	No charge	Not stated	None
Notary Fee (Non-Member)	$5	Not stated	None
Annual Fee - Box size 3x10	$55	per year	None
Annual Fee - Box size 3x5	$30	per year	None
Annual Fee - Box size 5x10	$70	per year	None
Annual Fee - Box size 5x5	$45	per year	None
Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Replacement Key(s)	$30Not compared: Box drilling or key fee	Not stated	None
Tax Levy/Garnishment/Litigation	$55	Not stated	None
Subordination Fee	$150	Not stated	None
Account Verification Processing Fee	$5	Not stated	None
Lending Fees
Late Payment Fee	$27	Not stated	None
Late Payment Fee (All loans)	$35	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$2.95	Not stated	None
VISA Prepaid Re-Loadable Debit Card	$3.95	Not stated	None
Other Fees
Payoff Request by paper form	$25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 20, 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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