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

Cheney Federal Credit Union

Cheney, WashingtonCredit UnionSan Francisco Fed districtFees collected Oct 4, 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 ($20–$25 nationally)

Overdraft & NSFVerified

Checking Overdraft/Transfer$1Below the typical range ($3–$5 nationally)
$4 below the national median
Source
NSF ( Non-Sufficient Funds)$25Within the typical range ($25–$31 nationally)
$5 below the national median
Source

Check ServicesVerified

Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Money Order$2Within the typical range ($1.50–$3 nationally)
At the national median
Source
Stop Payment (Checks and ACH)$25Within the typical range ($20–$30 nationally)
$1 below the national median
Source

Account ServicesVerified

Replace One Lost Key$20Below the typical range ($30–$70 nationally)
$25 below the national median
Source

Lending FeesVerified

Consumer Loan Late Fee | A payment over 10 days past due will receive a$20Within the typical range ($15–$25 nationally)
$2 below the national median
per month · Source

Gift & Prepaid CardsVerified

VISA Gift Card$2Below the typical range ($3–$4.50 nationally)
$1.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Checking Overdraft/Transfer	$1Below the typical range ($3–$5 nationally)	$4 below the national median	—	—	Source
NSF ( Non-Sufficient Funds)	$25
Check ServicesVerified
Check Copy	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source
Money Order	$2Within the typical range ($1.50–$3 nationally)
Account ServicesVerified
Replace One Lost Key	$20Below the typical range ($30–$70 nationally)	$25 below the national median	—	—	Source
Lending FeesVerified
Consumer Loan Late Fee \| A payment over 10 days past due will receive a	$20Within the typical range ($15–$25 nationally)	$2 below the national median	per month	—	Source
Gift & Prepaid CardsVerified
VISA Gift Card	$2Below the typical range ($3–$4.50 nationally)	$1.50 below the national median	—	—	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: $25

17% below the national median NSF fee

Total fees: 9 — leaner than most institutions

Headline fees published

3 of 15

Published fees

Under review

Assets

$147.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$147.9M

Total deposits

$131.8M

Service charge income (year to date)

$292K

Fee income ratio

8.8%

Return on assets

0.60%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 46,469 published fee entries from 2,884 institutions

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