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

First Choice Federal Credit Union

New Castle, PennsylvaniaCredit UnionPhiladelphia Fed districtFees collected Oct 3, 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 Reconciliation/Research$10Below the typical range ($20–$25 nationally)

Wire TransfersVerified

Incoming Wire$10Within the typical range ($5–$15 nationally)
At the national median
Source
Outgoing Wire (Domestic)$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Check Cashing Service Only$10Within the typical range ($5–$10 nationally)
$5 above the national median
Source
Money Order$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Source
Stop Payment$25Within the typical range ($20–$30 nationally)
At the national median
Source

Digital & ElectronicVerified

Bill Pay Inactivity Fee (after 90 days of no sch. payments)$2Within the typical range ($0–$11.37 nationally)
$2.95 below the national median
per month · Source
NSF ACH / ATM Return$30Within the typical range ($19–$30 nationally)
$3 above the national median
Source

Gift & Prepaid CardsVerified

Reload Visa Travel Card$3Within the typical range ($3–$5 nationally)
$1.95 below the national median
Source
Visa Gift Card$3Within the typical range ($3–$4.47 nationally)
$0.50 below the national median
Source
Visa Reloadable Travel Card$5.95Above the typical range ($3–$5 nationally)
$1 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation/Research	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
Inactivity Fee (Dormant for 12 months)	$2Below the typical range ($5–$10 nationally)	$3 below the national median	per month	—	Source
Overdraft & NSFVerified
Third Party Returned Check	$15Below the typical range ($25–$31 nationally)	$15 below the national median	—	—	Source
ATM & CardVerified
Lost Debit / MAC Card	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Wire TransfersVerified
Incoming Wire	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Outgoing Wire (Domestic)	$25
Check ServicesVerified
Check Cashing Service Only	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	—	Source
Money Order	$1Below the typical range ($1.75–$3 nationally)
Digital & ElectronicVerified
Bill Pay Inactivity Fee (after 90 days of no sch. payments)	$2Within the typical range ($0–$11.37 nationally)	$2.95 below the national median	per month	—	Source
NSF ACH / ATM Return	$30
Lending FeesVerified
Visa Credit Card late payment	$15Within the typical range ($15–$25 nationally)	$7.25 below the national median	—	—	Source
Gift & Prepaid CardsVerified
Reload Visa Travel Card	$3Within the typical range ($3–$5 nationally)	$1.95 below the national median	—	—	Source
Visa Gift Card	$3Within the typical range ($3–$4.47 nationally)

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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: $15

50% below the national median NSF fee

Total fees: 15 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$94.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$94.5M

Total deposits

$81.8M

Service charge income (year to date)

$147K

Fee income ratio

5.0%

Return on assets

1.67%

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 33,861 verified fees from 2,470 institutions

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