vs. U.S. typical range:LowerTypicalHigher
At the national medianAt the North Carolina median
per month · After 1 year of inactivity · Institution’s schedule
$7.50 below the national median$1 below the North Carolina median
$12.50 below the national median$6 below the North Carolina median
per month · Source
$25 below the national median$20 below the North Carolina median
per item · Source
$15 below the national median$10 below the North Carolina median
per item · Source
$5 below the national median$0.50 below the North Carolina median
$5 below the national medianAt the North Carolina median
$3 below the national median$2 below the North Carolina median
$3 below the national median$2 below the North Carolina median
per item · Institution’s schedule
$2.50 below the national median$4 below the North Carolina median
per item · Source
$1 below the national median$1 below the North Carolina median
per item · Source
$30 below the national median$50 below the North Carolina median
$5 below the national medianAt the North Carolina median
per month · Source
At the national medianAt the North Carolina median
$17.50 below the national median$40 below the North Carolina median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Inactive Account Fee | $5Within the typical range ($5–$10 nationally) | At the national medianAt the North Carolina median | per month | After 1 year of inactivity | Institution’s schedule |
| Acct Reconciliation Fee | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$1 below the North Carolina median | — | — | Source |
| Returned Mail/Statement | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$6 below the North Carolina median | per month | — | Source |
Overdraft & NSFVerified | |||||
| NSF Fee | $5Below the typical range ($25–$32 nationally) | $25 below the national median$20 below the North Carolina median | per item | — | Source |
| Returned Item Fee | $15 | ||||
ATM & CardVerified | |||||
| Lost/Damaged Replacement Debit Card | $5Within the typical range ($5–$10 nationally) | $5 below the national medianAt the North Carolina median | — | — | Source |
Check ServicesVerified | |||||
| Cashiers Check | $2Below the typical range ($3–$6 nationally) | $3 below the national median$2 below the North Carolina median | — | — | Source |
| Cashiers Check Fee | $2 | ||||
Account ServicesVerified | |||||
| Garnishment/tax levy | $20Below the typical range ($30–$90 nationally) | $30 below the national median$50 below the North Carolina median | — | — | Source |
Lending FeesVerified | |||||
| Loan Late Fee | $15Within the typical range ($10–$25 nationally) | $5 below the national medianAt the North Carolina median | per month | — | Source |
Retirement & IRAVerified | |||||
| IRA Early Closure Fee | $25Within the typical range ($25–$35 nationally) | At the national medianAt the North Carolina median | — | — | Source |
Other FeesVerified | |||||
| Skip a Payment | $20Below the typical range ($25–$100 nationally) | $17.50 below the national median$40 below the North Carolina median | per item | — | Source |
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Headline fees vs. national median
Headline fees published
5 of 15
Published fees
15
Under review
0
Assets
$16.2M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$16.2M
Total deposits
$13.9M
Service charge income (year to date)
$21K
Fee income ratio
3.6%
Return on assets
0.16%
Financial profile · Pro
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| $15 below the national median$10 below the North Carolina median |
| per item |
| — |
| Source |
| Overdraft Transfer Fee | $0Below the typical range ($2.50–$5 nationally) | $5 below the national median$0.50 below the North Carolina median | — | — | Source |
| $3 below the national median$2 below the North Carolina median |
| per item |
| — |
| Institution’s schedule |
| Stop Payment Fee | $25Within the typical range ($20–$30 nationally) | $2.50 below the national median$4 below the North Carolina median | per item | — | Source |
| Copy of Check Fee | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the North Carolina median | per item | — | Source |