Lynchburg Municipal Employees Federal Credit Union

Headquarters: Lynchburg, Virginia
Charter: Credit Union
Assets: $31.4M
Fed district: Richmond

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Lynchburg Municipal Employees Federal Credit Union: $25 to $35
Lynchburg Municipal Employees Federal Credit Union: $25 to $35
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
Lynchburg Municipal Employees Federal Credit Union: $15 to $25
Lynchburg Municipal Employees Federal Credit Union: $15 to $25
U.S. median: no median
Non-Network ATM
Lynchburg Municipal Employees Federal Credit Union: $2.50
Lynchburg Municipal Employees Federal Credit Union: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, 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).
Virginia: Banks and credit unions headquartered in Virginia 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 Lynchburg Municipal Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closing within six (6) months$5
Reactivation Fee (dormant accounts)$10
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address Fee$1

Overdraft & NSF

Overdraft (Debit, ACH, Draft)$25
Overdraft Privilege/Courtesy Pay$35
Return ACH/Draft$15
per item
Return Check Fee$25

ATM & Card

Up to five (5) ATM withdrawals; six (6) or more$2.50
per item
Replacement Card$5
Express Shipping Replacement Debit Card (1 Day)$25
Express Shipping Replacement Debit Card (2-3 Days)$15

Wire Transfers

Outgoing Wire$15
Incoming Wire$5

Check Services

Cashier's Check$6
Credit Union Official Check$3
Checking cashing, fee per check (If less than $100.00 in shares, and no other services.)$3
per item

Cash & Deposit

Counting Coin5%
Cash Advance Fee1%of the advance ($3 minimum)

Account Services

Garnishment/Tax Levy$50

Lending Fees

Late Fee$15

Other Fees

Statement Copy$2.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closing within six (6) months	$5	Not stated	None
Reactivation Fee (dormant accounts)	$10	Not stated	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address Fee	$1	Not stated	None
Overdraft & NSF
Overdraft (Debit, ACH, Draft)	$25	Not stated	None
Overdraft Privilege/Courtesy Pay	$35	Not stated	None
Return ACH/Draft	$15	per item	None
Return Check Fee	$25	Not stated	None
ATM & Card
Up to five (5) ATM withdrawals; six (6) or more	$2.50	per item	None
Replacement Card	$5	Not stated	None
Express Shipping Replacement Debit Card (1 Day)	$25	Not stated	None
Express Shipping Replacement Debit Card (2-3 Days)	$15	Not stated	None
Wire Transfers
Outgoing Wire	$15	Not stated	None
Incoming Wire	$5	Not stated	None
Check Services
Cashier's Check	$6	Not stated	None
Credit Union Official Check	$3	Not stated	None
Checking cashing, fee per check (If less than $100.00 in shares, and no other services.)	$3	per item	None
Cash & Deposit
Counting Coin	5%	Not stated	None
Cash Advance Fee	1%of the advance ($3 minimum)	Not stated	None
Account Services
Garnishment/Tax Levy	$50	Not stated	None
Lending Fees
Late Fee	$15	Not stated	None
Other Fees
Statement Copy	$2.50	per item	None

Correct a fee source

Oct 18, 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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