Summit Federal Credit Union

Headquarters: Akron, Ohio
Charter: Credit Union
Assets: $59.2M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $4.63, the middle of its prices
Summit Federal Credit Union: $4.25 to $5
Summit Federal Credit Union: $4.25 to $5
U.S. median: no median
Overdraft (OD)
Summit Federal Credit Union: $25
Summit Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Summit Federal Credit Union: $25
Summit Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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 Summit Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Checking Service Charge$5
per month
Secure-24 Checking Fee$4.25
per month
Account closure Fee$5
Inactive Account Fee$5
Inactive Membership$2
per month
Account Research Fee$5
Transaction Research Fee$10
per item
Excessive Withdrawal Fee$9
per item

Overdraft & NSF

Overdraft Service Fee$25
per item
Returned Item Fee$25
per item

ATM & Card

ATM: Withdrawal/Transfer Fee$0.60
per item
Card Replacement Fee$8
per item
International ATM/Mastercard Debit Card Transactions (audience not stated, treated as personal)1%

Wire Transfers

Wire Transfer (Outgoing) Fee$20
per item
Wire Transfer (Incoming) Fee$5
per item

Check Services

Certified Check Fee$1.50
per item
ACH Stop Payment Fee$25
per item
Stop Payment Fee$25
per item
Counter Check Fee: First 8 free, then$0.15
per item
Items Sent for Collection Fee$18
per item
Check Copy Fee$2.70
per item

Digital & Electronic

ACH Return Item Fee$25
per item

Cash & Deposit

Deposited Item Return Fee (2nd party issue)$10
per item
Deposited Item Return Fee (member issue)$30
per item

Retirement & IRA

IRA Termination Fee$15
per item

Other Fees

Fax: Local Call$1
Statement Copy Fee$1

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Service Charge	$5	per month	None
Secure-24 Checking Fee	$4.25	per month	None
Account closure Fee	$5	Not stated	None
Inactive Account Fee	$5	Not stated	None
Inactive Membership	$2	per month	None
Account Research Fee	$5	Not stated	None
Transaction Research Fee	$10	per item	None
Excessive Withdrawal Fee	$9	per item	None
Overdraft & NSF
Overdraft Service Fee	$25	per item	None
Returned Item Fee	$25	per item	None
ATM & Card
ATM: Withdrawal/Transfer Fee	$0.60	per item	None
Card Replacement Fee	$8	per item	None
International ATM/Mastercard Debit Card Transactions (audience not stated, treated as personal)	1%	Not stated	None
Wire Transfers
Wire Transfer (Outgoing) Fee	$20	per item	None
Wire Transfer (Incoming) Fee	$5	per item	None
Check Services
Certified Check Fee	$1.50	per item	None
ACH Stop Payment Fee	$25	per item	None
Stop Payment Fee	$25	per item	None
Counter Check Fee: First 8 free, then	$0.15	per item	None
Items Sent for Collection Fee	$18	per item	None
Check Copy Fee	$2.70	per item	None
Digital & Electronic
ACH Return Item Fee	$25	per item	None
Cash & Deposit
Deposited Item Return Fee (2nd party issue)	$10	per item	None
Deposited Item Return Fee (member issue)	$30	per item	None
Retirement & IRA
IRA Termination Fee	$15	per item	None
Other Fees
Fax: Local Call	$1	Not stated	None
Statement Copy Fee	$1	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 11, 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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