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

Regional Federal Credit Union

Winfield, IndianaCredit UnionChicago Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation Fee$25Within the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=account_research; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Account Reconciliation Fee: $25.00 per hour" · Source

Christmas Club Early Withdrawal Fee$15

At the national median

Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=early_closure; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Christmas Club Early Withdrawal Fee: $15.00 if withdrawn before November 1" · Source

Dormant Account Fee (no activity for 1 year and no current address)$10

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=dormant_account; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Dormant Account Fee (no activity for 1 year and no current address): $10.00 per month" · Source

Paper Statement Fee for Active Home Banking Users$2

$1 below the national median

per month · Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=paper_statement; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Paper Statement Fee for Active Home Banking Users: $2.00 per month" · Source

Overdraft & NSFVerified

Automatic Overdraft Transfer Fee$2Below the typical range ($2.38–$5 nationally)
$3 below the national median
per month · Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=od_protection_transfer; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Automatic Overdraft Transfer Fee: $2.00 per transfer after three (3) transfers per month" · Source
Credit Line Account Overdraft Fee$25Within the typical range ($25–$30 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=overdraft; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Credit Line Account Overdraft Fee: $25.00" · Source
NSF Fee$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=nsf; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="NSF Fee: $25.00 per item" · Source

ATM & CardVerified

Nonproprietary ATM Withdrawal Fee$0.75Below the typical range ($1–$2.50 nationally)
$0.75 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=atm_non_network; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Nonproprietary ATM Withdrawal Fee: $0.75 per withdrawal" · Source
Replacement Card Fee$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=card_replacement; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Replacement Card Fee: $15.00" · Source

Wire TransfersVerified

Domestic Wire (outgoing) Fee$20Within the typical range ($20–$25 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=wire_domestic_outgoing; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Domestic Wire (outgoing) Fee: $20.00 per wire" · Source

Check ServicesVerified

Cashier’s Check Fee (under )$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=cashiers_check; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Cashier’s Check Fee (under $500.00): $2.00 per check" · Source
Check Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=check_image; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Check Copy Fee: $5.00 per copy" · Source
Money Order Fee$1.50Below the typical range ($2–$3.50 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=money_order; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Money Order Fee: $1.50 per money order" · Source
Non-Member Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=check_cashing; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Non-Member Check Cashing Fee: $5.00 per item" · Source
Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=stop_payment; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Stop Payment Fee: $25.00 per request" · Source

Cash & DepositVerified

Deposited Item Return Fee$25Within the typical range ($9–$25 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=deposited_item_return; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Deposited Item Return Fee: $25.00 per item" · Source

Account ServicesVerified

Garnishment/Levy Fee$20Below the typical range ($30–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=garnishment_levy; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Garnishment/Levy Fee: $20.00" · Source

Mortgage ServicingVerified

Loan Modification Fee$50Within the typical range ($35–$250 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #10432. canonical_hint=mortgage_modification; text_hash=ae08e9c68e04c639a99e9597f983a47cb5b77a67afea7e22017bcd69f9095ebc; excerpt="Loan Modification Fee: $50.00" · Source

Other FeesVerified

Skip-a-Payment Fee$40Within the typical range ($20–$40 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #10432. canonical_hint=other_lending_fee; text_hash=ae08e9c68e04c639a99e9597f983a47cb5b77a67afea7e22017bcd69f9095ebc; excerpt="Skip-a-Payment Fee: $40.00" · Source
Statement Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=document_reproduction; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Statement Copy Fee: $5.00 per copy" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation Fee	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=account_research; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Account Reconciliation Fee: $25.00 per hour"	Source
Christmas Club Early Withdrawal Fee	$15Within the typical range ($10–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=early_closure; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Christmas Club Early Withdrawal Fee: $15.00 if withdrawn before November 1"	Source
Dormant Account Fee (no activity for 1 year and no current address)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=dormant_account; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Dormant Account Fee (no activity for 1 year and no current address): $10.00 per month"	Source
Paper Statement Fee for Active Home Banking Users	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=paper_statement; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Paper Statement Fee for Active Home Banking Users: $2.00 per month"	Source
Overdraft & NSFVerified
Automatic Overdraft Transfer Fee	$2Below the typical range ($2.38–$5 nationally)	$3 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=od_protection_transfer; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Automatic Overdraft Transfer Fee: $2.00 per transfer after three (3) transfers per month"	Source

ATM & CardVerified
Nonproprietary ATM Withdrawal Fee	$0.75Below the typical range ($1–$2.50 nationally)	$0.75 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=atm_non_network; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Nonproprietary ATM Withdrawal Fee: $0.75 per withdrawal"	Source
Replacement Card Fee
Wire TransfersVerified
Domestic Wire (outgoing) Fee	$20Within the typical range ($20–$25 nationally)	$2.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=wire_domestic_outgoing; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Domestic Wire (outgoing) Fee: $20.00 per wire"	Source
Check ServicesVerified
Cashier’s Check Fee (under )	$2Below the typical range ($3–$5.50 nationally)	$3 below the national median	per item	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=cashiers_check; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Cashier’s Check Fee (under $500.00): $2.00 per check"	Source
Check Copy Fee
Cash & DepositVerified
Deposited Item Return Fee	$25Within the typical range ($9–$25 nationally)	$10 above the national median	per item	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=deposited_item_return; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Deposited Item Return Fee: $25.00 per item"	Source
Account ServicesVerified
Garnishment/Levy Fee	$20Below the typical range ($30–$75 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #4401. canonical_hint=garnishment_levy; text_hash=d0a2a9b221adb5eea266db03c8e2bb554590d2e37a7e4a4e404c86f22faa0b28; excerpt="Garnishment/Levy Fee: $20.00"	Source
Mortgage ServicingVerified
Loan Modification Fee	$50Within the typical range ($35–$250 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #10432. canonical_hint=mortgage_modification; text_hash=ae08e9c68e04c639a99e9597f983a47cb5b77a67afea7e22017bcd69f9095ebc; excerpt="Loan Modification Fee: $50.00"	Source
Other FeesVerified
Skip-a-Payment Fee	$40Within the typical range ($20–$40 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #10432. canonical_hint=other_lending_fee; text_hash=ae08e9c68e04c639a99e9597f983a47cb5b77a67afea7e22017bcd69f9095ebc; excerpt="Skip-a-Payment Fee: $40.00"	Source
Statement Copy Fee	$5

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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

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 20 — leaner than most institutions

Published fees

Under review

Assets

$180.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$180.1M

Total deposits

$157.7M

Service charge income (year to date)

$568K

Fee income ratio

10.5%

Return on assets

0.30%

Financial profile · Pro

Performance from regulator filings

Credit Line Account Overdraft Fee

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

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Based on 25,267 verified fees from 2,206 institutions

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