Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $300M to $1B

Embold Federal Credit Union

Oregon City, OregonCredit UnionSan Francisco Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research/ Reconciliation$25Within the typical range ($15–$25 nationally)

per year · Knox deterministic extraction from Rosetta artifact #710. canonical_hint=account_research; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Account Research/ Reconciliation $25.00 per hour Club Account Withdrawal Fee $5.00 each For withdrawals made prior to annual payout" · Source

Foreign Check Processing Fee$25

$20 above the national median

per month · Knox deterministic extraction from Rosetta artifact #710. canonical_hint=dormant_account; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Foreign Check Processing Fee $25.00 per item Inactive Fee $10.00 per month Charged on share accounts with no activity for greater than 365 days where there are no other accounts or" · Source

Overdraft & NSFVerified

Non-Sufficient Funds (NSF)$12Below the typical range ($15–$32 nationally)
$16 below the national median
Knox deterministic extraction from Rosetta artifact #710. canonical_hint=nsf; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Non-Sufficient Funds (NSF) $12.00 Fee applies to any item returned due to insufficient available funds" · Source
Overdraft Fee$12Within the typical range ($10–$30 nationally)
$13 below the national median
Knox deterministic extraction from Rosetta artifact #710. canonical_hint=overdraft; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Overdraft Fee $12.00 Fee applies to any item paid from a negative checking account balance" · Source

ATM & CardVerified

Non-Network ATM Transactions$1.50Within the typical range ($1–$3.93 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #710. canonical_hint=atm_non_network; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Non-Network ATM Transactions $1.50 each For transactions at an ATM not owned by Embold or not affiliated with the Co-Op Network" · Source

Check ServicesVerified

Copy of a Corporate Check$5Within the typical range ($1–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #710. canonical_hint=check_printing; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Copy of a Corporate Check $5.00 per check Check Printing Varies Fee varies based on style" · Source
Legal Review Actual and Customary Charges Non-Member Check Cashing Fee$5Within the typical range ($5–$25 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #710. canonical_hint=check_cashing; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Legal Review Actual and Customary Charges Non-Member Check Cashing Fee $5.00 Fee applies when cashing checks drawn off of Embold" · Source

Account ServicesVerified

Copy of Deposited Check$5Within the typical range ($0–$5 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #710. canonical_hint=notary_fee; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Copy of Deposited Check $5.00 per item Copy of Visa Debit/Credit Card Purchase $10.00 per item eNotary/Remote Online Notary $15.00 per signer Equity Line of Credit (HELOC/ RELOC) L" · Source
Legal Process$40Within the typical range ($25–$100 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #710. canonical_hint=legal_process; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Legal Process $40.00 For garnishments and levies" · Source
Returned Check Deposit Fee$12Below the typical range ($20–$100 nationally)
$24 below the national median
per year · Knox deterministic extraction from Rosetta artifact #710. canonical_hint=safe_deposit_box; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Returned Check Deposit Fee $12.00 per item Returned Payment Fee $12.00 per item Returned Mail/Unknown Address $10.00 Safe Deposit Boxes $20.00 – $95 per year Safe Deposit Boxes loc" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/ Reconciliation	$25Within the typical range ($15–$25 nationally)	At the national median	per year	Knox deterministic extraction from Rosetta artifact #710. canonical_hint=account_research; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Account Research/ Reconciliation $25.00 per hour Club Account Withdrawal Fee $5.00 each For withdrawals made prior to annual payout"	Source
Foreign Check Processing Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	per month	Knox deterministic extraction from Rosetta artifact #710. canonical_hint=dormant_account; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Foreign Check Processing Fee $25.00 per item Inactive Fee $10.00 per month Charged on share accounts with no activity for greater than 365 days where there are no other accounts or"	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF)	$12Below the typical range ($15–$32 nationally)	$16 below the national median	—	Knox deterministic extraction from Rosetta artifact #710. canonical_hint=nsf; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Non-Sufficient Funds (NSF) $12.00 Fee applies to any item returned due to insufficient available funds"	Source
Overdraft Fee
ATM & CardVerified
Non-Network ATM Transactions	$1.50Within the typical range ($1–$3.93 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #710. canonical_hint=atm_non_network; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Non-Network ATM Transactions $1.50 each For transactions at an ATM not owned by Embold or not affiliated with the Co-Op Network"	Source
Check ServicesVerified
Copy of a Corporate Check	$5Within the typical range ($1–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #710. canonical_hint=check_printing; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Copy of a Corporate Check $5.00 per check Check Printing Varies Fee varies based on style"	Source
Legal Review Actual and Customary Charges Non-Member Check Cashing Fee
Account ServicesVerified
Copy of Deposited Check	$5Within the typical range ($0–$5 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #710. canonical_hint=notary_fee; text_hash=c1981f1224ee801c1bed2ded9b097b678b804223f1a7ed8411131cbb1b49008e; excerpt="Copy of Deposited Check $5.00 per item Copy of Visa Debit/Credit Card Purchase $10.00 per item eNotary/Remote Online Notary $15.00 per signer Equity Line of Credit (HELOC/ RELOC) L"	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

$12

Overdraft fee: $12

52% below the national median overdraft fee

Total fees: 10 — leaner than most institutions

Verified fees

Under review

Assets

$595.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$595.7M

Total deposits

$529.5M

Service charge income (year to date)

$948K

Fee income ratio

5.2%

Return on assets

0.35%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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