Franklin Johnstown Federal Credit Union

Headquarters: Johnstown, Pennsylvania
Charter: Credit Union
Assets: $37.3M
Fed district: Philadelphia

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Overdraft (OD)
Franklin Johnstown Federal Credit Union: $30
Franklin Johnstown Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Franklin Johnstown Federal Credit Union: $30
Franklin Johnstown Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Franklin Johnstown Federal Credit Union: $15
Franklin Johnstown Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 Franklin Johnstown Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant account fee$3
per month · no activity for 12 months on accounts less than $100
Escheat Fee$30
per item
Account research fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Home Equity Payoff processing fee (other institution)$30
per item
Paper Statement fee$2
per item
Returned statement/mail fee$7.50
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ACH/Share Draft Courtesy Pay fee$30
per item
ACH NSF item fee$30
per item
Share Draft NSF item fee$30
per item

ATM & Card

Replace lost Visa debit/credit card$10
per item

Wire Transfers

Wire transfer fee - domestic$15
per item

Check Services

Money Order/Corp/Cashier Check fee$1.50
per item
Corp. Check or Money Order stop payment fee$15
per item
Stop payment fee$15
per item
Photocopy of check$3
per item

Cash & Deposit

Deposited item return fee$35
per item

Account Services

Garnishment Fee$50
per item
Levies Fee$50
Home Equity Recording fee$91
per item

Lending Fees

VISA late payment fee$35
per item
Loan cancellation fee$30
Loan extension fee$30
per item · Limit of 2 per term of loan
Mortgage loan application fee$100
per item
Appraisal –$275
Home Equity Appraisal fee$275
per item

Retirement & IRA

IRA Transfer to another institution$25
per item

Gift & Prepaid Cards

CU Money Prepaid Debit Card Fee$4.95
per item
VISA Gift Card Fee$3
per item

Other Fees

Fax fee$1
Not compared: Charged per page; comparison unavailable
per page
Paper copy fee$0.25
Not compared: Charged per page; comparison unavailable
per page
Loan extension fee$30
Mortgage loan application fee$100
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant account fee	$3	per month	no activity for 12 months on accounts less than $100
Escheat Fee	$30	per item	None
Account research fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Home Equity Payoff processing fee (other institution)	$30	per item	None
Paper Statement fee	$2	per item	None
Returned statement/mail fee	$7.50Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ACH/Share Draft Courtesy Pay fee	$30	per item	None
ACH NSF item fee	$30	per item	None
Share Draft NSF item fee	$30	per item	None
ATM & Card
Replace lost Visa debit/credit card	$10	per item	None
Wire Transfers
Wire transfer fee - domestic	$15	per item	None
Check Services
Money Order/Corp/Cashier Check fee	$1.50	per item	None
Corp. Check or Money Order stop payment fee	$15	per item	None
Stop payment fee	$15	per item	None
Photocopy of check	$3	per item	None
Cash & Deposit
Deposited item return fee	$35	per item	None
Account Services
Garnishment Fee	$50	per item	None
Levies Fee	$50	Not stated	None
Home Equity Recording fee	$91	per item	None
Lending Fees
VISA late payment fee	$35	per item	None
Loan cancellation fee	$30	Not stated	None
Loan extension fee	$30	per item	Limit of 2 per term of loan
Mortgage loan application fee	$100	per item	None
Appraisal –	$275	Not stated	None
Home Equity Appraisal fee	$275	per item	None
Retirement & IRA
IRA Transfer to another institution	$25	per item	None
Gift & Prepaid Cards
CU Money Prepaid Debit Card Fee	$4.95	per item	None
VISA Gift Card Fee	$3	per item	None
Other Fees
Fax fee	$1Not compared: Charged per page; comparison unavailable	per page	None
Paper copy fee	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Loan extension fee	$30	Not stated	None
Mortgage loan application fee	$100	per item	None

Correct a fee source

Nov 1, 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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