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

Arc Federal Credit Union

Altoona, PennsylvaniaCredit UnionPhiladelphia Fed districtFees collected Oct 3, 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 Research$20Within the typical range ($20–$25 nationally)

ATM & CardVerified

Replacement Card 1-2 per calendar year$0Below the typical range ($5–$10 nationally)
$10 below the national median
Source
Replacement Card over 2 per calendar year$15Above the typical range ($5–$10 nationally)
$5 above the national median
Source

Wire TransfersVerified

Wire Fee Domestic Incoming$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
Wire Fee Domestic Outgoing$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source

Check ServicesVerified

Cashier Checks$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Source
Counter Checks (4 on a sheet)$4Within the typical range ($1–$4 nationally)
$2 above the national median
Source
Money Orders$2Within the typical range ($1.75–$3 nationally)
At the national median
Source
Non-Member Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median
Source
Stop Payment on Check (Single or Series)$25Within the typical range ($20–$30 nationally)
$1 below the national median
Source

Digital & ElectronicVerified

Cleared ACH/Share Draft Return$25Within the typical range ($16.88–$30 nationally)
$1 below the national median
Source
Online Banking & Bill Pay Access$0Within the typical range ($0–$11.48 nationally)
$4.97 below the national median
Source

Gift & Prepaid CardsVerified

Prepaid Everyday Spend Card$5Within the typical range ($2.95–$5 nationally)
$0.05 above the national median
Source
Prepaid Gift Card$3Within the typical range ($3–$4.45 nationally)
$0.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Dormant Account After 2nd Year	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay (per presentment)	$25Within the typical range ($25–$32 nationally)	$5 below the national median	per item	—	Source
ATM & CardVerified
Replacement Card 1-2 per calendar year	$0Below the typical range ($5–$10 nationally)	$10 below the national median	—	—	Source
Replacement Card over 2 per calendar year	$15
Wire TransfersVerified
Wire Fee Domestic Incoming	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
Wire Fee Domestic Outgoing	$30
Check ServicesVerified
Cashier Checks	$3Within the typical range ($3–$5.50 nationally)	$2 below the national median	—	—	Source
Counter Checks (4 on a sheet)	$4
Digital & ElectronicVerified
Cleared ACH/Share Draft Return	$25Within the typical range ($16.88–$30 nationally)	$1 below the national median	—	—	Source
Online Banking & Bill Pay Access	$0
Account ServicesVerified
Subordination Agreements	$250Above the typical range ($50–$150 nationally)	$150 above the national median	—	—	Source
Retirement & IRAVerified
IRA Rollover/Transfer Fee	$25Within the typical range ($25–$35.63 nationally)	At the national median	—	—	Source
Gift & Prepaid CardsVerified
Prepaid Everyday Spend Card	$5Within the typical range ($2.95–$5 nationally)	$0.05 above the national median	—	—	Source
Prepaid Gift Card	$3
Other FeesVerified
Account Printout/Photocopies	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source

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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

Total fees: 19 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$154.0M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$154.0M

Total deposits

$133.1M

Service charge income (year to date)

$384K

Fee income ratio

8.3%

Return on assets

1.54%

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

Based on 34,850 published fee entries from 2,498 institutions

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