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

First Area Federal Credit Union

Lewistown, PennsylvaniaCredit UnionPhiladelphia Fed districtFees collected Oct 6, 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

Monthly service charge$2Below the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Overdraft Privilege Paid Items$15Below the typical range ($25–$33 nationally)
$15 below the national median$15 below the Pennsylvania median
per item · Source
Fee Schedule - First Area Federal Credit Union, TYPE, FEE, NSF$30Within the typical range ($25–$32 nationally)
At the national medianAt the Pennsylvania median
per item · Source
Posted NSF$15Below the typical range ($25–$32 nationally)
$15 below the national median$15 below the Pennsylvania median
per item · Source
Overdraft Protection Account Transfer$0Below the typical range ($2.50–$5 nationally)
$5 below the national median$5 below the Pennsylvania median
Source

Wire TransfersVerified

Wire Transfer (outgoing)$25Within the typical range ($20–$25 nationally)
At the national medianAt the Pennsylvania median
per item · Source
Wire Transfer (incoming)$15Within the typical range ($5–$15 nationally)
$5 above the national medianAt the Pennsylvania median
per item · Source

Check ServicesVerified

Money Order$1.50Within the typical range ($1.50–$3 nationally)
$0.50 below the national median$0.50 below the Pennsylvania median
Source
ACH Stop Payment Request$15Below the typical range ($20–$30 nationally)
$12.50 below the national median$10 below the Pennsylvania median
Source
Copies of Cancelled Drafts$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the Pennsylvania median
Source

Lending FeesVerified

Loan Late Payment$15Within the typical range ($10–$25 nationally)
$5 below the national median$5 below the Pennsylvania median
Source
Visa Late Payment Fee$10Within the typical range ($10–$25 nationally)
$10 below the national median$10 below the Pennsylvania median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly service charge	$2Below the typical range ($4–$10 nationally)	$4 below the national median$3 below the Pennsylvania median	per month	—	Source
Overdraft & NSFVerified
Overdraft Privilege Paid Items	$15Below the typical range ($25–$33 nationally)	$15 below the national median$15 below the Pennsylvania median	per item	—	Source
Fee Schedule - First Area Federal Credit Union, TYPE, FEE, NSF	$30
ATM & CardVerified
Card Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median$5 below the Pennsylvania median	per item	—	Source
Wire TransfersVerified
Wire Transfer (outgoing)	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Pennsylvania median	per item	—	Source
Wire Transfer (incoming)	$15
Check ServicesVerified
Money Order	$1.50Within the typical range ($1.50–$3 nationally)	$0.50 below the national median$0.50 below the Pennsylvania median	—	—	Source
ACH Stop Payment Request	$15
Cash & DepositVerified
Deposited Item Returned	$10Within the typical range ($8–$25 nationally)	$5 below the national median$10 below the Pennsylvania median	per item	—	Source
Account ServicesVerified
Notary Fee	$2Within the typical range ($0–$5 nationally)	$0.50 below the national median$2 above the Pennsylvania median	—	—	Source
Lending FeesVerified
Loan Late Payment	$15Within the typical range ($10–$25 nationally)	$5 below the national median$5 below the Pennsylvania median	—	—	Source
Visa Late Payment Fee	$10
Other FeesVerified
Statement Copies: Up to 3 months	$0Below the typical range ($2–$5 nationally)	$3 below the national median$3 below the Pennsylvania median	—	—	Source

Against Pennsylvania credit unions

Overdraft
$15.00
Of 73 others that publish it, 0 lower, 1 the same and 72 higher.
Monthly maintenance
$2.00
Of 26 others that publish it, 11 lower, 1 the same and 14 higher.

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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

$15

Overdraft fee: $15

50% below the national median overdraft fee

16 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$29.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$29.9M

Total deposits

$27.0M

Service charge income (year to date)

$147K

Fee income ratio

19.8%

Return on assets

1.39%

Financial profile · Pro

Performance from regulator filings

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