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

Merho Federal Credit Union

Johnstown, PennsylvaniaCredit UnionPhiladelphia Fed districtFees collected Feb 17, 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

Bad address Fee$5Below the typical range ($20–$25 nationally)

ATM & CardVerified

Credit or Debit Replacement Card$10Within the typical range ($5–$10 nationally)
At the national median
Source
Debit or Credit Replacement Rush Fee$65Above the typical range ($30–$50 nationally)
$25 above the national median
Source

Wire TransfersVerified

Outgoing Domestic Wire$35Above the typical range ($20–$25 nationally)
$10 above the national median
Source
Outgoing International Wire$45Within the typical range ($40–$50 nationally)
$5 below the national median
Source

Other FeesVerified

Loan Application Fee Per Applicant$10Below the typical range ($22.50–$35 nationally)
$20 below the national median
Source
Statement Copy or Printout Per Month$2Within the typical range ($2–$5 nationally)
$1 below the national median
per month · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Bad address Fee	$5Below the typical range ($20–$25 nationally)	$20 below the national median	per month	—	Source
Christmas Club early withdrawal Fee	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	—	Source
Dormant Account	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per year	—	Source
Overdraft & NSFVerified
ATM Non-Sufficient Funds (NSF)	$30Within the typical range ($25–$31.50 nationally)	At the national median	—	—	Source
ATM & CardVerified
Credit or Debit Replacement Card	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Debit or Credit Replacement Rush Fee	$65
Wire TransfersVerified
Outgoing Domestic Wire	$35Above the typical range ($20–$25 nationally)	$10 above the national median	—	—	Source
Outgoing International Wire	$45
Check ServicesVerified
Stop Payment	$10Below the typical range ($20–$30 nationally)	$16 below the national median	—	—	Source
Account ServicesVerified
Garnishment Fee	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	—	Source
Lending FeesVerified
Loan Late Payment Fee	$30Above the typical range ($12.75–$25 nationally)	$10 above the national median	—	—	Source
Other FeesVerified
Loan Application Fee Per Applicant	$10Below the typical range ($22.50–$35 nationally)	$20 below the national median	—	—	Source
Statement Copy or Printout Per Month	$2

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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.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 13 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$60.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$60.8M

Total deposits

$54.5M

Service charge income (year to date)

$49K

Fee income ratio

3.7%

Return on assets

1.21%

Financial profile · Pro

Performance from regulator filings

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

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Based on 37,727 published fee entries from 2,634 institutions

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