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

Arh Federal Credit Union

Middlesboro, KentuckyCredit UnionCleveland Fed districtFees collected Oct 5, 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

Account Research Fee$30Above the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=account_research; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Account Research Fee | $30.00 (per hour)" · Source

Inactive Account Fee$25

$20 above the national median

per year · Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=dormant_account; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Inactive Account Fee | $25.00 (per year)" · Source

Monthly Service Fee (includes paper statement)$8

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=paper_statement; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Monthly Service Fee (includes paper statement) | $8.00" · Source

Overdraft & NSFVerified

Courtesy Overdraft Fee$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=overdraft; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Courtesy Overdraft Fee | $30.00 (per item)" · Source
NSF$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=nsf; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="NSF | $30.00 (per item)" · Source

ATM & CardVerified

Replacement Debit Card (non-expiring)$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=card_replacement; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Replacement Debit Card (non-expiring) | $10.00" · Source

Wire TransfersVerified

Incoming Wire Fee$0Below the typical range ($5–$15 nationally)
$10 below the national median
Knox read a free fee from Rosetta artifact #3625. canonical_hint=wire_domestic_incoming; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Incoming Wire Fee | FREE" · Source
Outgoing Domestic Wire Transfer$15Below the typical range ($20–$25 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=wire_domestic_outgoing; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Outgoing Domestic Wire Transfer | $15.00" · Source
Outgoing International Wire Transfer$50Within the typical range ($40–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=wire_intl_outgoing; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Outgoing International Wire Transfer | $50.00" · Source

Check ServicesVerified

Check Copy Fee$3Within the typical range ($2–$5 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=check_image; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Check Copy Fee | $3.00 (per check)" · Source
Check Printing Fee$3Within the typical range ($1–$15.50 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=check_printing; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Check Printing Fee | $3.00 (per check)" · Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=stop_payment; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Stop Payment | $30.00 (per item)" · Source

Account ServicesVerified

Account Verification$10Within the typical range ($10–$17.13 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=account_verification; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Account Verification | $10.00" · Source

Other FeesVerified

Loan Application Processing Fees$25Within the typical range ($20–$40 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=other_lending_fee; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Loan Application Processing Fees | $25.00 (Unsecured loans)" · Source
Skip-A-Payment Fee$35Within the typical range ($20–$40 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=other_lending_fee; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Skip-A-Payment Fee | $35.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research Fee	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=account_research; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Account Research Fee \| $30.00 (per hour)"	Source
Inactive Account Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	per year	Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=dormant_account; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Inactive Account Fee \| $25.00 (per year)"	Source
Monthly Service Fee (includes paper statement)	$8Above the typical range ($2–$5 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=paper_statement; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Monthly Service Fee (includes paper statement) \| $8.00"	Source
Overdraft & NSFVerified
Courtesy Overdraft Fee	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=overdraft; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Courtesy Overdraft Fee \| $30.00 (per item)"	Source
NSF	$30
ATM & CardVerified
Replacement Debit Card (non-expiring)	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=card_replacement; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Replacement Debit Card (non-expiring) \| $10.00"	Source
Wire TransfersVerified
Incoming Wire Fee	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	Knox read a free fee from Rosetta artifact #3625. canonical_hint=wire_domestic_incoming; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Incoming Wire Fee \| FREE"	Source
Outgoing Domestic Wire Transfer	$15
Check ServicesVerified
Check Copy Fee	$3Within the typical range ($2–$5 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=check_image; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Check Copy Fee \| $3.00 (per check)"	Source
Check Printing Fee	$3
Account ServicesVerified
Account Verification	$10Within the typical range ($10–$17.13 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=account_verification; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Account Verification \| $10.00"	Source
Other FeesVerified
Loan Application Processing Fees	$25Within the typical range ($20–$40 nationally)	$2.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #3625. canonical_hint=other_lending_fee; text_hash=e94c6c9b6c204790e3848913580be21da5ce1befe4f4058e8442e76aa4c8698d; excerpt="Loan Application Processing Fees \| $25.00 (Unsecured loans)"	Source
Skip-A-Payment Fee

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 15 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$19.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$19.9M

Total deposits

$14.4M

Service charge income (year to date)

$91K

Fee income ratio

12.1%

Return on assets

1.23%

Financial profile · Pro

Performance from regulator filings

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