First Choice Federal Credit Union

Headquarters: New Castle, Pennsylvania
Charter: Credit Union
Assets: $94.5M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 31, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
First Choice Federal Credit Union: $30
First Choice Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
First Choice Federal Credit Union: $25
First Choice Federal Credit Union: $25
U.S. median: no median
Stop Payment
First Choice Federal Credit Union: $25
First Choice 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 31, 2026View sources

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

Account Maintenance

Early Member Closeout (<6 months)$10
Inactivity Fee (Dormant for 12 months)$2
per month
Account Reconciliation/Research$10
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation/Research | $10.00/hr
Undeliverable Statement (need new address)$3
Undeliverable Statement (No new address)$5

Overdraft & NSF

Overdraft Protection Engaged (up to $500)$30

ATM & Card

Lost Debit / MAC Card$10

Wire Transfers

Outgoing Wire (Domestic)$25
Incoming Wire$10

Check Services

Certified Checks (after first 3 free/mo.)$5
Money Order$1
Stop Payment$25
Check Cashing Service Only$10
Share Draft Copy$5
Not compared: Charged per image; comparison unavailable
per image · Share Draft Copy | $5.00/image

Digital & Electronic

NSF ACH / ATM Return$30
Bill Pay Inactivity Fee (after 90 days of no sch. payments)$2
per month

Lending Fees

Visa Credit Card late payment$15

Gift & Prepaid Cards

Reload Visa Travel Card$3
Visa Gift Card$3
Visa Reloadable Travel Card$5.95

Other Fees

Statement Reproduction$1
Not compared: Charged per page; comparison unavailable
per page · Statement Reproduction | $1.00/page

Fee	Amount	Basis	Note
Account Maintenance
Early Member Closeout (<6 months)	$10	Not stated	None
Inactivity Fee (Dormant for 12 months)	$2	per month	None
Account Reconciliation/Research	$10Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation/Research \| $10.00/hr
Undeliverable Statement (need new address)	$3	Not stated	None
Undeliverable Statement (No new address)	$5	Not stated	None
Overdraft & NSF
Overdraft Protection Engaged (up to $500)	$30	Not stated	None
ATM & Card
Lost Debit / MAC Card	$10	Not stated	None
Wire Transfers
Outgoing Wire (Domestic)	$25	Not stated	None
Incoming Wire	$10	Not stated	None
Check Services
Certified Checks (after first 3 free/mo.)	$5	Not stated	None
Money Order	$1	Not stated	None
Stop Payment	$25	Not stated	None
Check Cashing Service Only	$10	Not stated	None
Share Draft Copy	$5Not compared: Charged per image; comparison unavailable	per image	Share Draft Copy \| $5.00/image
Digital & Electronic
NSF ACH / ATM Return	$30	Not stated	None
Bill Pay Inactivity Fee (after 90 days of no sch. payments)	$2	per month	None
Lending Fees
Visa Credit Card late payment	$15	Not stated	None
Gift & Prepaid Cards
Reload Visa Travel Card	$3	Not stated	None
Visa Gift Card	$3	Not stated	None
Visa Reloadable Travel Card	$5.95	Not stated	None
Other Fees
Statement Reproduction	$1Not compared: Charged per page; comparison unavailable	per page	Statement Reproduction \| $1.00/page

Correct a fee source

Oct 31, 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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