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

Nickel Steel Federal Credit Union

lima, OhioCredit UnionCleveland Fed districtFees collected Oct 6, 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$15Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Overdraft Loan Late Fee (no grace period)$20Below the typical range ($25–$32 nationally)
$10 below the national median
per month · Source
Returned Item$25Within the typical range ($25–$31.50 nationally)
$5 below the national median
per item · Source

ATM & CardVerified

VISA CHECK CARD/ATM denial$0.75Below the typical range ($1–$2.50 nationally)
$1 below the national median
Source
VISA CHECK CARD/ATM p.i.n. transaction$1.25Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per transaction · Source
VISA CHECK CARD/ATM p.i.n.reset/reorder$5Above the typical range ($1–$2.50 nationally)
$3.25 above the national median
Source

Check ServicesVerified

Check cashing$5Within the typical range ($5–$10 nationally)
At the national median
Source
Check cashing (non-member)$10Within the typical range ($5–$10 nationally)
$5 above the national median
Source
Copy of Paid Draft$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Money order$1Below the typical range ($1.50–$3 nationally)
$1 below the national median
Source
Stop Payment$15Below the typical range ($20–$30 nationally)
$12 below the national median
Source

Account ServicesVerified

Account verification requests$10Within the typical range ($10–$15 nationally)
At the national median
Source
Garnishment and/or tax levies$10Below the typical range ($30–$75 nationally)
$40 below the national median
Source

Gift & Prepaid CardsVerified

Visa Gift Card$2Below the typical range ($3–$4.49 nationally)
$1.50 below the national median
Source

Other FeesVerified

Consumer loan application$10Below the typical range ($25–$35 nationally)
$20 below the national median
Source
Statement copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
per month · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account reconciliation	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Overdraft & NSFVerified
Overdraft Loan Late Fee (no grace period)	$20Below the typical range ($25–$32 nationally)	$10 below the national median	per month	—	Source
Returned Item	$25
ATM & CardVerified
VISA CHECK CARD/ATM denial	$0.75Below the typical range ($1–$2.50 nationally)	$1 below the national median	—	—	Source
VISA CHECK CARD/ATM p.i.n. transaction	$1.25
Check ServicesVerified
Check cashing	$5Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Check cashing (non-member)	$10Within the typical range ($5–$10 nationally)
Account ServicesVerified
Account verification requests	$10Within the typical range ($10–$15 nationally)	At the national median	—	—	Source
Garnishment and/or tax levies	$10
Gift & Prepaid CardsVerified
Visa Gift Card	$2Below the typical range ($3–$4.49 nationally)	$1.50 below the national median	—	—	Source
Other FeesVerified
Consumer loan application	$10Below the typical range ($25–$35 nationally)	$20 below the national median	—	—	Source
Statement copy	$5

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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

$20

Overdraft fee: $20

33% below the national median overdraft fee

Total fees: 16 — leaner than most institutions

Headline fees published

4 of 15

Published fees

Under review

Assets

$5.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$5.2M

Total deposits

$3.5M

Service charge income (year to date)

$29K

Fee income ratio

16.2%

Return on assets

-1.10%

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, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 40,690 published fee entries from 2,792 institutions

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