First Area Federal Credit Union

Headquarters: Lewistown, Pennsylvania
Charter: Credit Union
Assets: $29.9M
Fed district: Philadelphia

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

Source: its fee schedule, read Nov 1, 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 Area Federal Credit Union: $2
First Area Federal Credit Union: $2
U.S. median: no median
Overdraft (OD)
First Area Federal Credit Union: $15
First Area Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Compared at $30, the middle of its prices
First Area Federal Credit Union: $15 to $30
First Area Federal Credit Union: $15 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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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Published fee schedule

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

Account Maintenance

Monthly service charge$2
per month
Dormancy (Balance < 100)$1
per month
Research and Reconcilement of Account$10
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Privilege Paid Items$15
per item
Fee Schedule - First Area Federal Credit Union, TYPE, FEE, NSF$30
per item
Non-sufficient Funds (NSF)$30
per item
Posted NSF$15
per item
Overdraft Protection Account TransferNo charge

ATM & Card

Card Replacement$5
per item

Wire Transfers

Wire Transfer (outgoing)$25
per item
Wire Transfer (incoming)$15
per item

Check Services

Money Order$1.50
ACH Stop Payment Request$15
Copies of Cancelled Drafts$2

Cash & Deposit

Deposited Item Returned$10
per item

Account Services

Notary Fee$2

Lending Fees

Loan Late Payment$15
Visa Late Payment Fee$10

Other Fees

Each Additional Statement$2
per item
Fax (members)$1
per item
Fax (non-members)$2
per item
Statement Copies: Up to 3 monthsNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$2	per month	None
Dormancy (Balance < 100)	$1	per month	None
Research and Reconcilement of Account	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Privilege Paid Items	$15	per item	None
Fee Schedule - First Area Federal Credit Union, TYPE, FEE, NSF	$30	per item	None
Non-sufficient Funds (NSF)	$30	per item	None
Posted NSF	$15	per item	None
Overdraft Protection Account Transfer	No charge	Not stated	None
ATM & Card
Card Replacement	$5	per item	None
Wire Transfers
Wire Transfer (outgoing)	$25	per item	None
Wire Transfer (incoming)	$15	per item	None
Check Services
Money Order	$1.50	Not stated	None
ACH Stop Payment Request	$15	Not stated	None
Copies of Cancelled Drafts	$2	Not stated	None
Cash & Deposit
Deposited Item Returned	$10	per item	None
Account Services
Notary Fee	$2	Not stated	None
Lending Fees
Loan Late Payment	$15	Not stated	None
Visa Late Payment Fee	$10	Not stated	None
Other Fees
Each Additional Statement	$2	per item	None
Fax (members)	$1	per item	None
Fax (non-members)	$2	per item	None
Statement Copies: Up to 3 months	No charge	Not stated	None

Correct a fee source

Nov 1, 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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