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

Peoples Federal Credit Union

Nitro, West VirginiaCredit UnionRichmond Fed districtFees collected Oct 9, 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

Reinstate Closed Checking$35Above the typical range ($10–$25 nationally)

$17.50 above the national median$25 above the West Virginia median

Inactive and Low Balance Account (Inactive for 12 months and balances of less than )$5

At the national medianAt the West Virginia median

per month · Source

Account Reconciliation and Research$50

$32.50 above the national median$36.50 above the West Virginia median

varies · per hour · Institution’s schedule

Bad Address/Undeliverable Mail$5

$12.50 below the national median$8.50 below the West Virginia median

per month · Source

Overdraft & NSFVerified

Overdraft Privilege (ODP)$25Within the typical range ($25–$33 nationally)
$5 below the national median$5.94 below the West Virginia median
per item · Source
Non-Sufficient Funds (NSF)$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the West Virginia median
per item · Source
Overdraft Transfer$3Within the typical range ($2.50–$5 nationally)
$2 below the national median$2 below the West Virginia median
per item · Source

ATM & CardVerified

Card Replacement$10Within the typical range ($5–$10 nationally)
At the national medianAt the West Virginia median
per item · Institution’s schedule

Wire TransfersVerified

Wire Transfer: Domestic Outgoing$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the West Virginia median
per item · Source
Wire Transfer: Domestic Incoming$0Below the typical range ($5–$15 nationally)
$10 below the national median$15 below the West Virginia median
Source
Wire Transfer: International$25Below the typical range ($40–$50 nationally)
$25 below the national median$25 below the West Virginia median
per item · Source

Check ServicesVerified

Cashier's Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the West Virginia median
per item · after 1 free per day · Institution’s schedule
Cashier’s Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the West Virginia median
Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$5 below the West Virginia median
per item · Source
Starter Checks$2Within the typical range ($1–$4 nationally)
At the national medianAt the West Virginia median
per item · per page · Institution’s schedule
Foreign Item Collection$25Within the typical range ($10–$25 nationally)
$5 above the national medianAt the West Virginia median
Source
Photocopy of Cancelled/Cleared Checks$3.50Within the typical range ($2–$5 nationally)
$0.50 above the national median$1.50 below the West Virginia median
per item · Source

Digital & ElectronicVerified

Bill Pay (offered with a valid checking account)$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national medianAt the West Virginia median
Source

Cash & DepositVerified

Deposited Item Return$25Within the typical range ($8–$25 nationally)
$10 above the national median$3.75 above the West Virginia median
per item · Source

Account ServicesVerified

Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national medianAt the West Virginia median
Source
Drilling of Boxes$200Above the typical range ($30–$70 nationally)
$155 above the national median$167.50 above the West Virginia median
Source
Replacement Key$25Below the typical range ($30–$70 nationally)
$20 below the national median$7.50 below the West Virginia median
Source
Safe Deposit Box (10x10)$50Within the typical range ($30–$70 nationally)
$5 above the national median$17.50 above the West Virginia median
per year · Institution’s schedule
Safe Deposit Box (3x10)$25Below the typical range ($30–$70 nationally)
$20 below the national median$7.50 below the West Virginia median
per year · Institution’s schedule
Safe Deposit Box (3x5)$15Below the typical range ($30–$70 nationally)
$30 below the national median$17.50 below the West Virginia median
per year · Institution’s schedule
Safe Deposit Box (5x10)$35Within the typical range ($30–$70 nationally)
$10 below the national median$2.50 above the West Virginia median
per year · Institution’s schedule
Safe Deposit Box (5x5)$20Below the typical range ($30–$70 nationally)
$25 below the national median$12.50 below the West Virginia median
per year · Institution’s schedule
Safe Deposit Box (7x10)$40Within the typical range ($30–$70 nationally)
$5 below the national median$7.50 above the West Virginia median
per year · Institution’s schedule
Safe Deposit Box 10 x 10$50Within the typical range ($30–$70 nationally)
$5 above the national median$17.50 above the West Virginia median
per year · Source
Safe Deposit Box 3 x 10$25Below the typical range ($30–$70 nationally)
$20 below the national median$7.50 below the West Virginia median
per year · Source
Safe Deposit Box 5 x 10$35Within the typical range ($30–$70 nationally)
$10 below the national median$2.50 above the West Virginia median
per year · Source
Safe Deposit Box 5 x 5$20Below the typical range ($30–$70 nationally)
$25 below the national median$12.50 below the West Virginia median
per year · Source
Safe Deposit Box 7 x 10$40Within the typical range ($30–$70 nationally)
$5 below the national median$7.50 above the West Virginia median
per year · Source
Garnishment$50Within the typical range ($30–$90 nationally)
At the national median$25 below the West Virginia median
per item · Source
Verification of Deposit$10Within the typical range ($5–$15 nationally)
At the national median$5 below the West Virginia median
per item · Institution’s schedule
Verification of Deposit (faxed)$20Above the typical range ($5–$15 nationally)
$10 above the national median$5 above the West Virginia median
per item · Institution’s schedule

Lending FeesVerified

Extension Agreement or Skip Pay$25Within the typical range ($10–$25 nationally)
$5 above the national median$5 above the West Virginia median
per month · Institution’s schedule

Other FeesVerified

Copy of Statements$1Below the typical range ($2–$5 nationally)
$2 below the national median$1 below the West Virginia median
per item · Source
Fax Service (Incoming/Outgoing)$1Below the typical range ($2–$5 nationally)
$2 below the national median$1 below the West Virginia median
per item · per page · Institution’s schedule

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Reinstate Closed Checking	$35Above the typical range ($10–$25 nationally)	$17.50 above the national median$25 above the West Virginia median	per item	—	Source
Inactive and Low Balance Account (Inactive for 12 months and balances of less than )	$5Within the typical range ($5–$10 nationally)	At the national medianAt the West Virginia median	per month	—	Source
Account Reconciliation and Research	$50Above the typical range ($12–$25 nationally)	$32.50 above the national median$36.50 above the West Virginia median	varies	per hour	Institution’s schedule
Bad Address/Undeliverable Mail	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$8.50 below the West Virginia median	per month	—	Source
Overdraft & NSFVerified
Overdraft Privilege (ODP)	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5.94 below the West Virginia median	per item	—	Source
Non-Sufficient Funds (NSF)	$25
ATM & CardVerified
Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national medianAt the West Virginia median	per item	—	Institution’s schedule
Wire TransfersVerified
Wire Transfer: Domestic Outgoing	$15Below the typical range ($20–$25 nationally)	$10 below the national median$5 below the West Virginia median	per item	—	Source
Wire Transfer: Domestic Incoming	$0
Check ServicesVerified
Cashier's Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the West Virginia median	per item	after 1 free per day	Institution’s schedule
Cashier’s Check	$5
Digital & ElectronicVerified
Bill Pay (offered with a valid checking account)	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national medianAt the West Virginia median	—	—	Source
Cash & DepositVerified
Deposited Item Return	$25Within the typical range ($8–$25 nationally)	$10 above the national median$3.75 above the West Virginia median	per item	—	Source
Account ServicesVerified
Notary Service	$0Within the typical range ($0–$5 nationally)	$2.50 below the national medianAt the West Virginia median	—	—	Source
Drilling of Boxes	$200
Lending FeesVerified
Extension Agreement or Skip Pay	$25Within the typical range ($10–$25 nationally)	$5 above the national median$5 above the West Virginia median	per month	—	Institution’s schedule
Other FeesVerified
Copy of Statements	$1Below the typical range ($2–$5 nationally)	$2 below the national median$1 below the West Virginia median	per item	—	Source
Fax Service (Incoming/Outgoing)	$1

Against Richmond Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$25.00
Of 108 others that publish it, 9 lower, 13 the same and 86 higher.

See every headline fee against its local competitors

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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

39 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$130.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$130.6M

Total deposits

$108.3M

Service charge income (year to date)

$409K

Fee income ratio

9.1%

Return on assets

0.99%

Financial profile · Pro

Performance from regulator filings

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