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

Chiphone Federal Credit Union

Elkhart, IndianaCredit UnionChicago Fed districtFees collected Apr 21, 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

Account Research$25Within the typical range ($17.50–$25 nationally)

per item · Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=account_research; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Account Research | $25.00/Hour | $30.00/Item - $40.00 if a | (574) 294-3606" · Source

Overdraft & NSFVerified

NSF$38Above the typical range ($25–$31 nationally)
$8 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=nsf; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="NSF | $38.00/Item" · Source

Wire TransfersVerified

Wire Transfer (Incoming)$15Within the typical range ($5–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=wire_domestic_incoming; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Wire Transfer (Incoming) | $15.00" · Source
Wire Transfer (Outgoing)$20Within the typical range ($20–$25 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=wire_domestic_outgoing; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Wire Transfer (Outgoing) | $20.00" · Source

Cash & DepositVerified

Deposit Item Return$38Above the typical range ($9–$25 nationally)
$23 above the national median
Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=deposited_item_return; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Deposit Item Return | $38.00" · Source

Account ServicesVerified

10” x 10½” Box$65Within the typical range ($25–$75 nationally)
$22.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=safe_deposit_box; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="10” x 10½” Box | $65.00/Year" · Source
3” x 10½” Box$40Within the typical range ($25–$75 nationally)
$2.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=safe_deposit_box; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="3” x 10½” Box | $40.00/Year" · Source
5” x 10½” Box$45Within the typical range ($25–$75 nationally)
$2.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=safe_deposit_box; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="5” x 10½” Box | $45.00/Year" · Source
5” x 5” Box$30Within the typical range ($25–$75 nationally)
$12.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=safe_deposit_box; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="5” x 5” Box | $30.00/Year" · Source
Garnishment Fee$20Below the typical range ($30–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=garnishment_levy; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Garnishment Fee | $20.00 | ATM FEES | 661 County Road 17" · Source
Key Replacement$50Within the typical range ($25–$75 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=safe_deposit_box; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Key Replacement | $50.00 | www.chiphone.org" · Source
Notary Service$2Within the typical range ($0–$5 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=notary_fee; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Notary Service | $2.00 | Card Replacement | $10.00" · Source

Retirement & IRAVerified

IRA Annual Fee$25Within the typical range ($10–$25 nationally)
$10 above the national median
per year · Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=ira_administration; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="IRA Annual Fee | $25.00 | * Check Cashing Fees do not apply if member has any of these" · Source
IRA Termination$35Within the typical range ($25–$35 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=ira_termination; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="IRA Termination | $35.00 | services:" · Source

Gift & Prepaid CardsVerified

Visa Gift Card$3Within the typical range ($3–$4.50 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=gift_card_purchase; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Visa Gift Card | $3.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$25Within the typical range ($17.50–$25 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=account_research; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Account Research \| $25.00/Hour \| $30.00/Item - $40.00 if a \| (574) 294-3606"	Source
Overdraft & NSFVerified
NSF	$38Above the typical range ($25–$31 nationally)	$8 above the national median	per item	Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=nsf; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="NSF \| $38.00/Item"	Source
Wire TransfersVerified
Wire Transfer (Incoming)	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=wire_domestic_incoming; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Wire Transfer (Incoming) \| $15.00"	Source
Wire Transfer (Outgoing)
Cash & DepositVerified
Deposit Item Return	$38Above the typical range ($9–$25 nationally)	$23 above the national median	—	Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=deposited_item_return; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Deposit Item Return \| $38.00"	Source
Account ServicesVerified
10” x 10½” Box	$65Within the typical range ($25–$75 nationally)	$22.50 above the national median	per year	Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=safe_deposit_box; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="10” x 10½” Box \| $65.00/Year"	Source
3” x 10½” Box
Retirement & IRAVerified
IRA Annual Fee	$25Within the typical range ($10–$25 nationally)	$10 above the national median	per year	Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=ira_administration; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="IRA Annual Fee \| $25.00 \| * Check Cashing Fees do not apply if member has any of these"	Source
IRA Termination
Gift & Prepaid CardsVerified
Visa Gift Card	$3Within the typical range ($3–$4.50 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #4396. canonical_hint=gift_card_purchase; text_hash=4f0868691991f72477c5e55002a5e957828d5521b4b24073850eaddce8f47339; excerpt="Visa Gift Card \| $3.00"	Source

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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.

NSF fee: $38

27% above the national median NSF fee

Total fees: 15 — leaner than most institutions

Published fees

Under review

Assets

$111.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$111.8M

Total deposits

$93.0M

Service charge income (year to date)

$543K

Fee income ratio

15.0%

Return on assets

0.75%

Financial profile · Pro

Performance from regulator filings

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