vs. U.S. typical range:LowerTypicalHigher
$0.50 below the national medianAt the Virginia median
$5 below the national median$5 below the Virginia median
per item · Source
—
$1 below the national medianAt the Virginia median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
ATM & CardVerified | |||||
| charge for ATM withdrawals after ten (10) per month | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national medianAt the Virginia median | — | — | Source |
| Replacement card fee | $5Within the typical range ($5–$10 nationally) | $5 below the national median$5 below the Virginia median | per item | — | Source |
| Foreign transactions | 1%of the transaction | — | — | — | Source |
Check ServicesVerified | |||||
| Spectra FCU Checks | $0Within the typical range ($0–$15 nationally) | $1 below the national medianAt the Virginia median | — | — | Source |
Fee change alerts
We'll write once its fee schedule is verified, and again whenever a verified fee changes. Nothing else.
Headline fees published
3 of 15
Published fees
3
Under review
0
Assets
$544.4M
Status: Fees published
3 verified fees so far. Once 5 are verified, this profile gets a national-median comparison and a competitive report on request.
Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$544.4M
Total deposits
$458.8M
Service charge income (year to date)
$430K
Fee income ratio
3.3%
Return on assets
0.02%
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