Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

St. Thomas Federal Credit Union

Charlotte Amali, Virgin IslandsCredit UnionNew York Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation Per Hour$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #907. canonical_hint=account_research; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Account Reconciliation Per Hour | $20.00" · Source

Closed Account (If closed within 30 days of opeing)$20

$2.50 below the national median

Knox deterministic extraction from Rosetta artifact #907. canonical_hint=early_closure; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Closed Account (If closed within 30 days of opeing) | $20.00" · Source

Dormant Account (Applied quarterly after 6 months of dormancy)$25

$20 above the national median

Knox deterministic extraction from Rosetta artifact #907. canonical_hint=dormant_account; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Dormant Account (Applied quarterly after 6 months of dormancy) | $25.00" · Source

Overdraft & NSFVerified

Overdraft Transfer (Per Transaction)$2Below the typical range ($7.81–$30 nationally)
$20.50 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #907. canonical_hint=overdraft; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Overdraft Transfer (Per Transaction) | $2.00" · Source

ATM & CardVerified

ATM Replacement Card/Pin Replacement$8.50Above the typical range ($1–$4.99 nationally)
$6.50 above the national median
Knox deterministic extraction from Rosetta artifact #907. canonical_hint=atm_non_network; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="ATM Replacement Card/Pin Replacement | $8.50" · Source

Check ServicesVerified

Stop Payment Sequential Service$25Within the typical range ($20–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #907. canonical_hint=stop_payment; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Stop Payment Sequential Service | $25.00" · Source

Digital & ElectronicVerified

Non-Sufficient Funds (NSF)/Returned Item Payment - ACH/Returned Checks/Debit Card Transactions (No more than two represe$50Above the typical range ($8–$25 nationally)
$30 above the national median
Knox deterministic extraction from Rosetta artifact #907. canonical_hint=ach_return; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Non-Sufficient Funds (NSF)/Returned Item Payment - ACH/Returned Checks/Debit Card Transactions (No more than two representments) | $50.00" · Source

Account ServicesVerified

Account Verification$5Within the typical range ($5–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #907. canonical_hint=account_verification; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Account Verification | $5.00" · Source
Garnishment/Levy Items$50Within the typical range ($30–$100 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #907. canonical_hint=garnishment_levy; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Garnishment/Levy Items | $50.00" · Source

Lending FeesVerified

Loan Origination$35Within the typical range ($25–$100 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #907. canonical_hint=loan_origination; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Loan Origination | $35.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation Per Hour	$20Within the typical range ($15–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #907. canonical_hint=account_research; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Account Reconciliation Per Hour \| $20.00"	Source
Closed Account (If closed within 30 days of opeing)	$20Within the typical range ($10–$25 nationally)	$2.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #907. canonical_hint=early_closure; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Closed Account (If closed within 30 days of opeing) \| $20.00"	Source
Dormant Account (Applied quarterly after 6 months of dormancy)	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #907. canonical_hint=dormant_account; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Dormant Account (Applied quarterly after 6 months of dormancy) \| $25.00"	Source
Overdraft & NSFVerified
Overdraft Transfer (Per Transaction)	$2Below the typical range ($7.81–$30 nationally)	$20.50 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #907. canonical_hint=overdraft; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Overdraft Transfer (Per Transaction) \| $2.00"	Source
ATM & CardVerified
ATM Replacement Card/Pin Replacement	$8.50Above the typical range ($1–$4.99 nationally)	$6.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #907. canonical_hint=atm_non_network; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="ATM Replacement Card/Pin Replacement \| $8.50"	Source
Check ServicesVerified
Stop Payment Sequential Service	$25Within the typical range ($20–$30 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #907. canonical_hint=stop_payment; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Stop Payment Sequential Service \| $25.00"	Source
Digital & ElectronicVerified
Non-Sufficient Funds (NSF)/Returned Item Payment - ACH/Returned Checks/Debit Card Transactions (No more than two represe	$50Above the typical range ($8–$25 nationally)	$30 above the national median	—	Knox deterministic extraction from Rosetta artifact #907. canonical_hint=ach_return; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Non-Sufficient Funds (NSF)/Returned Item Payment - ACH/Returned Checks/Debit Card Transactions (No more than two representments) \| $50.00"	Source
Account ServicesVerified
Account Verification	$5Within the typical range ($5–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #907. canonical_hint=account_verification; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Account Verification \| $5.00"	Source
Garnishment/Levy Items
Lending FeesVerified
Loan Origination	$35Within the typical range ($25–$100 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #907. canonical_hint=loan_origination; text_hash=5cbf8e7f50e17fd13056abdfdd7193d46739abb972c6c158359f685c1c155deb; excerpt="Loan Origination \| $35.00"	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: $50

100% above the national median NSF fee

Total fees: 10 — leaner than most institutions

Verified fees

Under review

Assets

$90.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$90.0M

Total deposits

$70.3M

Service charge income (year to date)

$181K

Fee income ratio

6.3%

Return on assets

0.60%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 6,610 verified fees from 1,539 institutions

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