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

Encompass Federal Credit Union

Tipton, IndianaCredit UnionChicago Fed districtFees collected Oct 5, 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$10Below the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=account_research; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Account Reconciliation | $10.00/Hour, $10.00 minimum charge" · Source

Dormant Account$2

$3 below the national median

per month · Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=dormant_account; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Dormant Account | $2.00/Month after 1 year of inactivity if balance is less than $50.00 and primary account holder is over the age of 18" · Source

Minimum Balance$5

$1 below the national median

per month · Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=minimum_balance; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Minimum Balance | $5.00/Month if minimum daily balance is not met" · Source

Overdraft & NSFVerified

ACH Overdraft$25Within the typical range ($20–$30 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=overdraft; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="ACH Overdraft | $25.00" · Source
NSF$25Within the typical range ($25–$32 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=nsf; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="NSF | $25.00/Item" · Source

ATM & CardVerified

ATM Transaction$0Below the typical range ($1–$3 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #3739. canonical_hint=atm_non_network; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="ATM Transaction | No Charge" · Source

Wire TransfersVerified

Wire Transfer Incoming$5Below the typical range ($7.75–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=wire_domestic_incoming; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Wire Transfer Incoming | $5.00/Transfer" · Source
Wire Transfer Outgoing$10Below the typical range ($20–$25 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=wire_domestic_outgoing; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Wire Transfer Outgoing | $10.00/Transfer" · Source

Check ServicesVerified

Cashier's Check$2Below the typical range ($3–$6 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=cashiers_check; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Cashier's Check | $2.00/Check" · Source
Money Order$1Below the typical range ($2–$3.50 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=money_order; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Money Order | $1.00/Check" · Source
Stop Payment$10Below the typical range ($20–$30 nationally)
$17 below the national median
Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=stop_payment; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Stop Payment | $10.00/Item" · Source

Cash & DepositVerified

Deposited Item Return$4Below the typical range ($9.50–$25 nationally)
$11 below the national median
Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=deposited_item_return; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Deposited Item Return | $4.00/Item" · Source

Account ServicesVerified

Notary$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #3739. canonical_hint=notary_fee; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Notary | No Charge" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$10Below the typical range ($15–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=account_research; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Account Reconciliation \| $10.00/Hour, $10.00 minimum charge"	Source
Dormant Account	$2Below the typical range ($5–$10 nationally)	$3 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=dormant_account; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Dormant Account \| $2.00/Month after 1 year of inactivity if balance is less than $50.00 and primary account holder is over the age of 18"	Source
Minimum Balance	$5Within the typical range ($5–$12.25 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=minimum_balance; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Minimum Balance \| $5.00/Month if minimum daily balance is not met"	Source
Overdraft & NSFVerified
ACH Overdraft	$25Within the typical range ($20–$30 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=overdraft; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="ACH Overdraft \| $25.00"	Source
NSF	$25
ATM & CardVerified
ATM Transaction	$0Below the typical range ($1–$3 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #3739. canonical_hint=atm_non_network; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="ATM Transaction \| No Charge"	Source
Wire TransfersVerified
Wire Transfer Incoming	$5Below the typical range ($7.75–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=wire_domestic_incoming; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Wire Transfer Incoming \| $5.00/Transfer"	Source
Wire Transfer Outgoing
Check ServicesVerified
Cashier's Check	$2Below the typical range ($3–$6 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=cashiers_check; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Cashier's Check \| $2.00/Check"	Source
Money Order	$1
Cash & DepositVerified
Deposited Item Return	$4Below the typical range ($9.50–$25 nationally)	$11 below the national median	—	Knox deterministic extraction from Rosetta artifact #3739. canonical_hint=deposited_item_return; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Deposited Item Return \| $4.00/Item"	Source
Account ServicesVerified
Notary	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median	—	Knox read a free fee from Rosetta artifact #3739. canonical_hint=notary_fee; text_hash=781fd8c2dc03f1506efc06f1d0f0a15ebe8f8a66a4429a3fad1fa3e2c6db3dc9; excerpt="Notary \| No Charge"	Source

Fee change alerts

Get an email when Encompass Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Encompass Federal Credit Union? Benchmark it against peers, free

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.

Overdraft

$25

Overdraft fee: $25

11% below the national median overdraft fee

Total fees: 13 — leaner than most institutions

Verified fees

Under review

Assets

$240.7M

Work at Encompass Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$240.7M

Total deposits

$216.9M

Service charge income (year to date)

$815K

Fee income ratio

8.8%

Return on assets

0.71%

Financial profile · Pro

Performance from regulator filings

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

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

See pricing