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

Encompass Federal Credit Union

Tipton, IndianaCredit UnionChicago Fed districtFees collected Oct 9, 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

Dormant Account$2Below the typical range ($5–$10 nationally)

Overdraft & NSFVerified

ACH Overdraft$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Indiana median
Source
ATM Overdraft$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Indiana median
per item · Source
NSF$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Indiana median
per item · Source
Overdraft Protection$25Above the typical range ($2.50–$5 nationally)
$20 above the national median$20 above the Indiana median
per item · Source

Wire TransfersVerified

Wire Transfer Outgoing$10Below the typical range ($20–$25 nationally)
$15 below the national median$10 below the Indiana median
per item · Source
Wire Transfer Incoming$5Within the typical range ($5–$15 nationally)
$5 below the national median$5 below the Indiana median
per item · Source
International Wire Outgoing$40Within the typical range ($40–$50 nationally)
$10 below the national median$10 below the Indiana median
per item · Source

Check ServicesVerified

Cashier's Check$2Below the typical range ($3–$6 nationally)
$3 below the national median$3 below the Indiana median
per item · Source
Money Order$1Below the typical range ($1.50–$3 nationally)
$1 below the national median$1 below the Indiana median
per item · Source
Stop Payment$10Below the typical range ($20–$30 nationally)
$17.50 below the national median$20 below the Indiana median
per item · Source
Share Draft Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the Indiana median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account	$2Below the typical range ($5–$10 nationally)	$3 below the national median$3 below the Indiana median	per month	—	Source
Account Reconciliation	$10Below the typical range ($12–$25 nationally)	$7.50 below the national median$8 below the Indiana median	—	—	Source
Overdraft & NSFVerified
ACH Overdraft	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the Indiana median	—	—	Source
ATM Overdraft	$25
ATM & CardVerified
Card Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median$5 below the Indiana median	per item	—	Source
Wire TransfersVerified
Wire Transfer Outgoing	$10Below the typical range ($20–$25 nationally)	$15 below the national median$10 below the Indiana median	per item	—	Source
Wire Transfer Incoming	$5
Check ServicesVerified
Cashier's Check	$2Below the typical range ($3–$6 nationally)	$3 below the national median$3 below the Indiana median	per item	—	Source
Money Order	$1
Cash & DepositVerified
Deposited Item Return	$4Below the typical range ($8–$25 nationally)	$11 below the national median$7 below the Indiana median	per item	—	Source
Account ServicesVerified
Notary	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median$1.50 below the Indiana median	—	—	Source

Against Indiana credit unions

Overdraft
$25.00
Of 33 others that publish it, 4 lower, 4 the same and 25 higher.

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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.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

16 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$240.7M

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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

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,356 published fee entries from 3,591 institutions

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