First Peoples Community Federal Credit Union

Headquarters: Cumberland, Maryland
Charter: Credit Union
Assets: $666.1M
Fed district: Richmond

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
First Peoples Community Federal Credit Union: $5
First Peoples Community Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
First Peoples Community Federal Credit Union: $40
First Peoples Community Federal Credit Union: $40
U.S. median: no median
Non-Network ATM
First Peoples Community Federal Credit Union: $1
First Peoples Community Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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

Amounts from First Peoples Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Membership Maintenance Fee$5
Account Closing (within 90 days)$5
Account Reconcilement$30
Not compared: Charged per half hour; comparison unavailable
per half hour · Account Reconcilement | $30.00 per 1/2 hour
Paper Statement Fee$1
per month
Returned Mail$5
Not compared: Charged per statement; comparison unavailable
per statement · Returned Mail | $5.00 per statement/notice

Overdraft & NSF

ATM/ACH Overdraft$40

ATM & Card

ATM Withdrawal (Foreign ATM)$1
Visa Debit Card Replacement$10
International purchases1%of the transaction

Wire Transfers

Wire Transfer-Outgoing$20
Wire Transfer-Incoming$15
Wire Transfer-Outgoing International$57

Check Services

Official Check$5
Money Order$2.50
ACH/Foreign Draft Stop Payment$25
Stop Payment$25
Negative Balance Collection Fee (after 30 days)$35
per item

Digital & Electronic

Online Bill PaymentNo charge

Cash & Deposit

Coin Counting Service5%($2 minimum)
Coin Counting Service (audience not stated, treated as personal)5%($2 minimum)
Visa Cash Advance (other institution)$5
Deposit Item Returned$15

Account Services

Notary (excluding in-house documents)$2
Tax Levy$100
Writ of Execution, Attachment, Garnishment$50
Subordination of Lien$25

Lending Fees

Visa Payment Late Fee$15

Other Fees

Photocopy of Sharedraft$5

Fee	Amount	Basis	Note
Account Maintenance
Membership Maintenance Fee	$5	Not stated	None
Account Closing (within 90 days)	$5	Not stated	None
Account Reconcilement	$30Not compared: Charged per half hour; comparison unavailable	per half hour	Account Reconcilement \| $30.00 per 1/2 hour
Paper Statement Fee	$1	per month	None
Returned Mail	$5Not compared: Charged per statement; comparison unavailable	per statement	Returned Mail \| $5.00 per statement/notice
Overdraft & NSF
ATM/ACH Overdraft	$40	Not stated	None
ATM & Card
ATM Withdrawal (Foreign ATM)	$1	Not stated	None
Visa Debit Card Replacement	$10	Not stated	None
International purchases	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer-Outgoing	$20	Not stated	None
Wire Transfer-Incoming	$15	Not stated	None
Wire Transfer-Outgoing International	$57	Not stated	None
Check Services
Official Check	$5	Not stated	None
Money Order	$2.50	Not stated	None
ACH/Foreign Draft Stop Payment	$25	Not stated	None
Stop Payment	$25	Not stated	None
Negative Balance Collection Fee (after 30 days)	$35	per item	None
Digital & Electronic
Online Bill Payment	No charge	Not stated	None
Cash & Deposit
Coin Counting Service	5%($2 minimum)	Not stated	None
Coin Counting Service (audience not stated, treated as personal)	5%($2 minimum)	Not stated	None
Visa Cash Advance (other institution)	$5	Not stated	None
Deposit Item Returned	$15	Not stated	None
Account Services
Notary (excluding in-house documents)	$2	Not stated	None
Tax Levy	$100	Not stated	None
Writ of Execution, Attachment, Garnishment	$50	Not stated	None
Subordination of Lien	$25	Not stated	None
Lending Fees
Visa Payment Late Fee	$15	Not stated	None
Other Fees
Photocopy of Sharedraft	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 3, 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.

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