Arc Federal Credit Union

Headquarters: Altoona, Pennsylvania
Charter: Credit Union
Assets: $154.0M
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 18, 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)
Arc Federal Credit Union: $25
Arc Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Arc Federal Credit Union: $30
Arc Federal Credit Union: $30
U.S. median: no median
Stop Payment
Arc Federal Credit Union: $25
Arc Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

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

Arc Federal Credit Union · $154M 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 16 states.

Credit unions only
$150M to $158M in assets
Headquartered in 16 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
Arc Federal Credit Union(this institution)	Altoona, PA	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
4U Federal Credit Union	Gainesville, TX	$156M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Affinity Federal Credit Union	Des Moines, IA	$154M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arapahoe Federal Credit Union	Littleton, CO	$154M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Best Financial Federal Credit Union	Muskegon, MI	$154M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chocolate Bayou Community Federal Credit Union	Alvin, TX	$158M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citymark Federal Credit Union	Plains, PA	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Consumers Professional Federal Credit Union	Lansing, MI	$150M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fidelis Catholic Federal Credit Union	Arvada, CO	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financial Builders Federal Credit Union	Kokomo, IN	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Family Federal Credit Union	Henryetta, OK	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Great Erie Federal Credit Union	Orchard Park, NY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Green Country Federal Credit Union	Sand Springs, OK	$155M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Green Mountain Federal Credit Union	South Burlington, VT	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Horizon Federal Credit Union	Williamsport, PA	$152M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jm Associates Federal Credit Union	Jacksonville, FL	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kerr County Federal Credit Union	Kerrville, TX	$156M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mountaincrest Federal Credit Union	Arlington, WA	$153M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Natco Federal Credit Union	Richmond, IN	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nova Ua Federal Credit Union	Clifton, NJ	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Power Federal Credit Union	Pueblo, CO	$156M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
R G Federal Credit Union	Raymore, MO	$154M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star USA Federal Credit Union	Charleston, WV	$153M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trailhead Federal Credit Union	Portland, OR	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Trius Federal Credit Union	Kearney, NE	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ukrainian National Federal Credit Union	New York, NY	$155M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $3.75 among 8 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Arc Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Arc Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account After 2nd Year$5
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address Fee$1
per month

Overdraft & NSF

Courtesy Pay (per presentment)$25
per item
Courtesy Pay fee$25
per item

ATM & Card

Replacement Card 1-2 per calendar yearNo charge
Replacement Card over 2 per calendar year$15
per item

Wire Transfers

Wire Fee Domestic Outgoing$30
Wire Fee Domestic Incoming$15

Check Services

Cashier Checks$3
Money Orders$2
Stop Pay of ACH if presented$25
Stop Payment on Check (Single or Series)$25
Counter Checks (4 on a sheet)$4
per item
Non-Member Check Cashing Fee$5
Copy Draft Up to 7 Years$2

Digital & Electronic

Cleared ACH/Share Draft Return$25
Online Banking & Bill Pay AccessNo charge

Account Services

Subordination Agreements$250

Retirement & IRA

IRA Rollover/Transfer Fee$25
per item

Gift & Prepaid Cards

Prepaid Everyday Spend Card$5
Prepaid Gift Card$3

Other Fees

Account Printout/Photocopies$1

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account After 2nd Year	$5	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address Fee	$1	per month	None
Overdraft & NSF
Courtesy Pay (per presentment)	$25	per item	None
Courtesy Pay fee	$25	per item	None
ATM & Card
Replacement Card 1-2 per calendar year	No charge	Not stated	None
Replacement Card over 2 per calendar year	$15	per item	None
Wire Transfers
Wire Fee Domestic Outgoing	$30	Not stated	None
Wire Fee Domestic Incoming	$15	Not stated	None
Check Services
Cashier Checks	$3	Not stated	None
Money Orders	$2	Not stated	None
Stop Pay of ACH if presented	$25	Not stated	None
Stop Payment on Check (Single or Series)	$25	Not stated	None
Counter Checks (4 on a sheet)	$4	per item	None
Non-Member Check Cashing Fee	$5	Not stated	None
Copy Draft Up to 7 Years	$2	Not stated	None
Digital & Electronic
Cleared ACH/Share Draft Return	$25	Not stated	None
Online Banking & Bill Pay Access	No charge	Not stated	None
Account Services
Subordination Agreements	$250	Not stated	None
Retirement & IRA
IRA Rollover/Transfer Fee	$25	per item	None
Gift & Prepaid Cards
Prepaid Everyday Spend Card	$5	Not stated	None
Prepaid Gift Card	$3	Not stated	None
Other Fees
Account Printout/Photocopies	$1	Not stated	None

Correct a fee source

Oct 18, 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 Arc 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)
Arc Federal Credit Union: $25
Arc Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Arc Federal Credit Union: $30
Arc Federal Credit Union: $30
U.S. median: no median
Stop Payment
Arc Federal Credit Union: $25
Arc Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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

Arc Federal Credit Union · $154M 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 16 states.

Credit unions only
$150M to $158M in assets
Headquartered in 16 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
Arc Federal Credit Union(this institution)	Altoona, PA	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
4U Federal Credit Union	Gainesville, TX	$156M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Affinity Federal Credit Union	Des Moines, IA	$154M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arapahoe Federal Credit Union	Littleton, CO	$154M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Best Financial Federal Credit Union	Muskegon, MI	$154M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chocolate Bayou Community Federal Credit Union	Alvin, TX	$158M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citymark Federal Credit Union	Plains, PA	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Consumers Professional Federal Credit Union	Lansing, MI	$150M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fidelis Catholic Federal Credit Union	Arvada, CO	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financial Builders Federal Credit Union	Kokomo, IN	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Family Federal Credit Union	Henryetta, OK	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Great Erie Federal Credit Union	Orchard Park, NY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Green Country Federal Credit Union	Sand Springs, OK	$155M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Green Mountain Federal Credit Union	South Burlington, VT	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Horizon Federal Credit Union	Williamsport, PA	$152M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jm Associates Federal Credit Union	Jacksonville, FL	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kerr County Federal Credit Union	Kerrville, TX	$156M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mountaincrest Federal Credit Union	Arlington, WA	$153M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Natco Federal Credit Union	Richmond, IN	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nova Ua Federal Credit Union	Clifton, NJ	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Power Federal Credit Union	Pueblo, CO	$156M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
R G Federal Credit Union	Raymore, MO	$154M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star USA Federal Credit Union	Charleston, WV	$153M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trailhead Federal Credit Union	Portland, OR	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Trius Federal Credit Union	Kearney, NE	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ukrainian National Federal Credit Union	New York, NY	$155M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $3.75 among 8 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Arc Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Arc Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account After 2nd Year$5
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address Fee$1
per month

Overdraft & NSF

Courtesy Pay (per presentment)$25
per item
Courtesy Pay fee$25
per item

ATM & Card

Replacement Card 1-2 per calendar yearNo charge
Replacement Card over 2 per calendar year$15
per item

Wire Transfers

Wire Fee Domestic Outgoing$30
Wire Fee Domestic Incoming$15

Check Services

Cashier Checks$3
Money Orders$2
Stop Pay of ACH if presented$25
Stop Payment on Check (Single or Series)$25
Counter Checks (4 on a sheet)$4
per item
Non-Member Check Cashing Fee$5
Copy Draft Up to 7 Years$2

Digital & Electronic

Cleared ACH/Share Draft Return$25
Online Banking & Bill Pay AccessNo charge

Account Services

Subordination Agreements$250

Retirement & IRA

IRA Rollover/Transfer Fee$25
per item

Gift & Prepaid Cards

Prepaid Everyday Spend Card$5
Prepaid Gift Card$3

Other Fees

Account Printout/Photocopies$1

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account After 2nd Year	$5	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address Fee	$1	per month	None
Overdraft & NSF
Courtesy Pay (per presentment)	$25	per item	None
Courtesy Pay fee	$25	per item	None
ATM & Card
Replacement Card 1-2 per calendar year	No charge	Not stated	None
Replacement Card over 2 per calendar year	$15	per item	None
Wire Transfers
Wire Fee Domestic Outgoing	$30	Not stated	None
Wire Fee Domestic Incoming	$15	Not stated	None
Check Services
Cashier Checks	$3	Not stated	None
Money Orders	$2	Not stated	None
Stop Pay of ACH if presented	$25	Not stated	None
Stop Payment on Check (Single or Series)	$25	Not stated	None
Counter Checks (4 on a sheet)	$4	per item	None
Non-Member Check Cashing Fee	$5	Not stated	None
Copy Draft Up to 7 Years	$2	Not stated	None
Digital & Electronic
Cleared ACH/Share Draft Return	$25	Not stated	None
Online Banking & Bill Pay Access	No charge	Not stated	None
Account Services
Subordination Agreements	$250	Not stated	None
Retirement & IRA
IRA Rollover/Transfer Fee	$25	per item	None
Gift & Prepaid Cards
Prepaid Everyday Spend Card	$5	Not stated	None
Prepaid Gift Card	$3	Not stated	None
Other Fees
Account Printout/Photocopies	$1	Not stated	None

Correct a fee source

Oct 18, 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.