Encompass Federal Credit Union

Headquarters: Tipton, Indiana
Charter: Credit Union
Assets: $240.7M
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 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)
Encompass Federal Credit Union: $25
Encompass Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Encompass Federal Credit Union: $25
Encompass Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Encompass Federal Credit Union: $10
Encompass Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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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Among its peers

Encompass Federal Credit Union · $241M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$233M to $248M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Encompass Federal Credit Union(this institution)	Tipton, IN	$241M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bossier Federal Credit Union	Bossier City, LA	$245M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bull Dog Federal Credit Union	Hagerstown, MD	$238M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Capitol Federal Credit Union	Austin, TX	$234M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Corazo Federal Credit Union	El Centro, CA	$244M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Service Federal Credit Union	Groveport, OH	$236M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Geovista Federal Credit Union	Hinesville, GA	$247M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Alliance Federal Credit Union	Paramus, NJ	$248M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Investex Federal Credit Union	Humble, TX	$245M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jersey Shore Federal Credit Union	Northfield, NJ	$246M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Luso Federal Credit Union	Ludlow, MA	$245M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mc Federal Credit Union	Danville, PA	$247M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meritus Federal Credit Union	Lafayette, LA	$246M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Michigan One Community Federal Credit Union	Ionia, MI	$240M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Novation Federal Credit Union	Oakdale, MN	$244M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nw Priority Federal Credit Union	Portland, OR	$248M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ohio Valley Community Federal Credit Union	Clarington, OH	$244M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pantex Federal Credit Union	Borger, TX	$233M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pioneer Appalachia Federal Credit Union	Charleston, WV	$245M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pyramid Federal Credit Union	Tucson, AZ	$248M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sabine Federal Credit Union	Orange, TX	$235M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Seaboard Federal Credit Union	Bucksport, ME	$246M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Skypoint Federal Credit Union	Germantown, MD	$243M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southbridge Federal Credit Union	Southbridge, MA	$242M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sterling Federal Credit Union	Sterling, CO	$247M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
True North Federal Credit Union	Juneau, AK	$236M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Encompass Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Encompass Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Encompass Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Encompass Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$2
per month
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address$2
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ACH Overdraft$25
One-Time Debit Overdraft$25
per item
NSF$25
per item
Returned Item$25
per item

ATM & Card

Card Replacement$5
per item

Wire Transfers

Wire Transfer Outgoing$10
per item
Wire Transfer Incoming$5
per item
International Wire Outgoing$40
per item
International Wire Incoming$5
per item

Check Services

Cashier's Check$2
per item
Money Order$1
per item
Stop Payment$10
per item
Share Draft Copy$2

Cash & Deposit

Deposited Item Return$4
per item

Account Services

NotaryNo charge

Other Fees

Fax Incoming$1
Not compared: Charged per page; comparison unavailable
per page
Fax Outgoing$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$2	per month	None
Account Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address	$2Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ACH Overdraft	$25	Not stated	None
One-Time Debit Overdraft	$25	per item	None
NSF	$25	per item	None
Returned Item	$25	per item	None
ATM & Card
Card Replacement	$5	per item	None
Wire Transfers
Wire Transfer Outgoing	$10	per item	None
Wire Transfer Incoming	$5	per item	None
International Wire Outgoing	$40	per item	None
International Wire Incoming	$5	per item	None
Check Services
Cashier's Check	$2	per item	None
Money Order	$1	per item	None
Stop Payment	$10	per item	None
Share Draft Copy	$2	Not stated	None
Cash & Deposit
Deposited Item Return	$4	per item	None
Account Services
Notary	No charge	Not stated	None
Other Fees
Fax Incoming	$1Not compared: Charged per page; comparison unavailable	per page	None
Fax Outgoing	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Nov 3, 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.

Fee change alerts

Get an email when Encompass Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Encompass Federal Credit Union: $25
Encompass Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Encompass Federal Credit Union: $25
Encompass Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Encompass Federal Credit Union: $10
Encompass Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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.

Among its peers

Encompass Federal Credit Union · $241M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$233M to $248M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Encompass Federal Credit Union(this institution)	Tipton, IN	$241M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bossier Federal Credit Union	Bossier City, LA	$245M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bull Dog Federal Credit Union	Hagerstown, MD	$238M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Capitol Federal Credit Union	Austin, TX	$234M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Corazo Federal Credit Union	El Centro, CA	$244M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Service Federal Credit Union	Groveport, OH	$236M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Geovista Federal Credit Union	Hinesville, GA	$247M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Alliance Federal Credit Union	Paramus, NJ	$248M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Investex Federal Credit Union	Humble, TX	$245M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jersey Shore Federal Credit Union	Northfield, NJ	$246M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Luso Federal Credit Union	Ludlow, MA	$245M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mc Federal Credit Union	Danville, PA	$247M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meritus Federal Credit Union	Lafayette, LA	$246M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Michigan One Community Federal Credit Union	Ionia, MI	$240M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Novation Federal Credit Union	Oakdale, MN	$244M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nw Priority Federal Credit Union	Portland, OR	$248M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ohio Valley Community Federal Credit Union	Clarington, OH	$244M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pantex Federal Credit Union	Borger, TX	$233M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pioneer Appalachia Federal Credit Union	Charleston, WV	$245M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pyramid Federal Credit Union	Tucson, AZ	$248M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sabine Federal Credit Union	Orange, TX	$235M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Seaboard Federal Credit Union	Bucksport, ME	$246M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Skypoint Federal Credit Union	Germantown, MD	$243M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southbridge Federal Credit Union	Southbridge, MA	$242M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sterling Federal Credit Union	Sterling, CO	$247M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
True North Federal Credit Union	Juneau, AK	$236M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Encompass Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Encompass Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Encompass Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Encompass Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$2
per month
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address$2
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ACH Overdraft$25
One-Time Debit Overdraft$25
per item
NSF$25
per item
Returned Item$25
per item

ATM & Card

Card Replacement$5
per item

Wire Transfers

Wire Transfer Outgoing$10
per item
Wire Transfer Incoming$5
per item
International Wire Outgoing$40
per item
International Wire Incoming$5
per item

Check Services

Cashier's Check$2
per item
Money Order$1
per item
Stop Payment$10
per item
Share Draft Copy$2

Cash & Deposit

Deposited Item Return$4
per item

Account Services

NotaryNo charge

Other Fees

Fax Incoming$1
Not compared: Charged per page; comparison unavailable
per page
Fax Outgoing$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$2	per month	None
Account Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address	$2Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ACH Overdraft	$25	Not stated	None
One-Time Debit Overdraft	$25	per item	None
NSF	$25	per item	None
Returned Item	$25	per item	None
ATM & Card
Card Replacement	$5	per item	None
Wire Transfers
Wire Transfer Outgoing	$10	per item	None
Wire Transfer Incoming	$5	per item	None
International Wire Outgoing	$40	per item	None
International Wire Incoming	$5	per item	None
Check Services
Cashier's Check	$2	per item	None
Money Order	$1	per item	None
Stop Payment	$10	per item	None
Share Draft Copy	$2	Not stated	None
Cash & Deposit
Deposited Item Return	$4	per item	None
Account Services
Notary	No charge	Not stated	None
Other Fees
Fax Incoming	$1Not compared: Charged per page; comparison unavailable	per page	None
Fax Outgoing	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Nov 3, 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.