Merho Federal Credit Union

Headquarters: Johnstown, Pennsylvania
Charter: Credit Union
Assets: $60.8M
Fed district: Philadelphia

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

NSF / Returned Item
Merho Federal Credit Union: $30
Merho Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Merho Federal Credit Union: $35
Merho Federal Credit Union: $35
U.S. median: no median
Stop Payment
Merho Federal Credit Union: $10
Merho Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 Merho Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$10
Not compared: Annual charge, not monthly
per year
Bad address Fee$5
per month

Overdraft & NSF

ATM Non-Sufficient Funds (NSF) (audience not stated, treated as personal)$30
Automated Clearing House (ACH) NSF (audience not stated, treated as personal)$30
Share Draft NSF$30

ATM & Card

Credit or Debit Replacement Card$10
Debit or Credit Replacement Rush Fee$65

Wire Transfers

Outgoing Domestic Wire$35
Outgoing International Wire$45

Check Services

Stop Payment$10
Check/Share Draft Copy$2

Account Services

Garnishment Fee$25

Lending Fees

Loan Late Payment Fee$30
Loan Cancellation Fee$25

Vehicle & Title

Title Lien Fee$100

Other Fees

Statement Copy or Printout Per Month$2
Not compared: Monthly charge, not per item
per month
Loan Application Fee Per Applicant$10

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10Not compared: Annual charge, not monthly	per year	None
Bad address Fee	$5	per month	None
Overdraft & NSF
ATM Non-Sufficient Funds (NSF) (audience not stated, treated as personal)	$30	Not stated	None
Automated Clearing House (ACH) NSF (audience not stated, treated as personal)	$30	Not stated	None
Share Draft NSF	$30	Not stated	None
ATM & Card
Credit or Debit Replacement Card	$10	Not stated	None
Debit or Credit Replacement Rush Fee	$65	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$35	Not stated	None
Outgoing International Wire	$45	Not stated	None
Check Services
Stop Payment	$10	Not stated	None
Check/Share Draft Copy	$2	Not stated	None
Account Services
Garnishment Fee	$25	Not stated	None
Lending Fees
Loan Late Payment Fee	$30	Not stated	None
Loan Cancellation Fee	$25	Not stated	None
Vehicle & Title
Title Lien Fee	$100	Not stated	None
Other Fees
Statement Copy or Printout Per Month	$2Not compared: Monthly charge, not per item	per month	None
Loan Application Fee Per Applicant	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Feb 17, 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.

Fee change alerts

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