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

Metro Federal Credit Union

Arlington Heigh, IllinoisCredit UnionChicago 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

Account Closed within 90 days$20Within the typical range ($10–$25 nationally)

Inactive Account Fee$6

$1 above the national median

per month · Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=dormant_account; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Inactive Account Fee | $6.00 | If no financial activity for 12 consecutive months, then the fee is assessed monthly on the 13th month of inactivity" · Source

Monthly Minimum Balance Fee$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=minimum_balance; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Monthly Minimum Balance Fee | $5.00 | The fee is waived with a monthly average balance of $250 For members under age 18 or over 59, the minimum balance to avoid the fee is $50" · Source

Monthly Service Charge$8

$2 above the national median

per month · Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=monthly_maintenance; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Monthly Service Charge | $8.00 | The fee is waived if a monthly Direct Deposit of at least $300 (per month) is maintained. When direct deposit stops or does not reach $300 per mont" · Source

Monthly Service Charge$10

$4 above the national median

per month · Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=monthly_maintenance; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Monthly Service Charge | $10.00 | The fee is waived if all the following are maintained monthly: Direct Deposit of at least $750 (per month)" · Source

Overdraft & NSFVerified

Non-Sufficient(NSF)/Uncollected Funds/Returned Fee$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=nsf; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Non-Sufficient(NSF)/Uncollected Funds/Returned Fee | $30.00 | Per item Presented – Check or ACH" · Source
Returned Check Fee$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=nsf; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Returned Check Fee | $25.00" · Source
Share/Loan Overdraft Protection Transfer$15Above the typical range ($3–$5 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=od_protection_transfer; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Share/Loan Overdraft Protection Transfer | $15.00 | Fee per overdraft transfer" · Source

ATM & CardVerified

ATM Transfer$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #5936. canonical_hint=atm_non_network; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="ATM Transfer | FREE | Free on all checking accounts" · Source
ATM Withdrawals$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=atm_non_network; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="ATM Withdrawals | $1.00" · Source
Debit Card/Pin Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=card_replacement; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Debit Card/Pin Replacement Fee | $10.00 | Per card number" · Source
VISA Card Rush Fee$25Below the typical range ($30–$50 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=rush_card; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="VISA Card Rush Fee | $25.00" · Source

Check ServicesVerified

Cashiers Check Fee$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=cashiers_check; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Cashiers Check Fee | $5.00" · Source
Check Copy Fee$3Within the typical range ($2–$5 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=check_image; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Check Copy Fee | $3.00 | Fee per check copy" · Source
Non-Member Check Cashing Fee$15Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=check_cashing; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Non-Member Check Cashing Fee | $15.00" · Source
Stop Payment Request$20Within the typical range ($20–$30 nationally)
$5.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=stop_payment; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Stop Payment Request | $20.00 | Per item – Check or ACH" · Source
Stop Payment Request on Check Range$30Within the typical range ($20–$30 nationally)
$4.50 above the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=stop_payment; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Stop Payment Request on Check Range | $30.00 | Checks only, or check series clearing by ACH" · Source
Temporary Checks (4)$1Within the typical range ($1–$4 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=counter_check; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Temporary Checks (4) | $1.00 | Fee for 1 sheet of 4 checks" · Source

Digital & ElectronicVerified

Monthly Online Bill Payment Fee$4.50Within the typical range ($0–$11.29 nationally)
$0.47 below the national median
per month · Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=bill_pay; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Monthly Online Bill Payment Fee | $4.50 or FREE* | *Monthly fee WAIVED with eStatement enrollment" · Source

Account ServicesVerified

IRS/State Account Levy Processing Fee$49Within the typical range ($30–$75 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=garnishment_levy; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="IRS/State Account Levy Processing Fee | $49.00 | (Notice of Levy Processing Fee)" · Source
Subordination Agreement Processing Fee$250Above the typical range ($30–$131.13 nationally)
$175 above the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=legal_process; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Subordination Agreement Processing Fee | $250.00" · Source
Subpoena/Information Request Fee$49Within the typical range ($30–$131.13 nationally)
$26 below the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=legal_process; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Subpoena/Information Request Fee | $49.00 | Per request" · Source
Verification of Account Request$10Within the typical range ($10–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=account_verification; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Verification of Account Request | $10.00" · Source

Lending FeesVerified

Appraisal Fee$400Within the typical range ($125–$450 nationally)
$125 above the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=appraisal_fee; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Appraisal Fee | $400" · Source
Loan Late Payment Fee$30Above the typical range ($15–$25 nationally)
$5.75 above the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=late_payment; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Loan Late Payment Fee | $30.00 | Fee charged when more than 10 days late" · Source

Other FeesVerified

Initial Loan Application Fee$10Below the typical range ($20–$35 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=other_lending_fee; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Initial Loan Application Fee | $10.00" · Source
Statement Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=document_reproduction; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Statement Copy Fee | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed within 90 days	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=early_closure; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Account Closed within 90 days \| $20.00"	Source
Account Reconcilement/Research Fee	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=account_research; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Account Reconcilement/Research Fee \| $20.00 \| Per hour"	Source
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=dormant_account; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Dormant Account Fee \| $5.00 \| No activity on account for 24 consecutive months"	Source
For members 60 & over, the minimum balance to avoid the fee is	$50Above the typical range ($5–$10 nationally)	$45 above the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=minimum_balance; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt=". For members 60 & over, the minimum balance to avoid the fee is $50"	Source
Inactive Account Fee	$6Within the typical range ($5–$10 nationally)	$1 above the national median	per month	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=dormant_account; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Inactive Account Fee \| $6.00 \| If no financial activity for 12 consecutive months, then the fee is assessed monthly on the 13th month of inactivity"	Source
Monthly Minimum Balance Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=minimum_balance; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Monthly Minimum Balance Fee \| $5.00 \| The fee is waived with a monthly average balance of $250 For members under age 18 or over 59, the minimum balance to avoid the fee is $50"	Source
Monthly Minimum Balance Fee	$0Below the typical range ($5–$10 nationally)	$5 below the national median	per month	Knox read a free fee from Rosetta artifact #5936. canonical_hint=minimum_balance; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Monthly Minimum Balance Fee \| $0 \| None"	Source
Monthly Service Charge	$8Within the typical range ($3–$10 nationally)	$2 above the national median	per month	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=monthly_maintenance; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Monthly Service Charge \| $8.00 \| The fee is waived if a monthly Direct Deposit of at least $300 (per month) is maintained. When direct deposit stops or does not reach $300 per mont"	Source
Monthly Service Charge	$10Within the typical range ($3–$10 nationally)	$4 above the national median	per month	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=monthly_maintenance; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Monthly Service Charge \| $10.00 \| The fee is waived if all the following are maintained monthly: Direct Deposit of at least $750 (per month)"	Source
Paper Statement Fee – Online Banking Users	$1.50Below the typical range ($2–$5 nationally)	$1.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=paper_statement; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Paper Statement Fee – Online Banking Users \| $1.50 \| Per Statement"	Source
Returned Mail Fee	$5Below the typical range ($17.50–$25 nationally)	$20 below the national median	per item	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=account_research; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Returned Mail Fee \| $5.00 \| Per item"	Source
Overdraft & NSFVerified
Non-Sufficient(NSF)/Uncollected Funds/Returned Fee	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=nsf; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Non-Sufficient(NSF)/Uncollected Funds/Returned Fee \| $30.00 \| Per item Presented – Check or ACH"	Source
Returned Check Fee
ATM & CardVerified
ATM Transfer	$0Below the typical range ($1–$2.50 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #5936. canonical_hint=atm_non_network; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="ATM Transfer \| FREE \| Free on all checking accounts"	Source
ATM Withdrawals	$1
Wire TransfersVerified
Wire Transfer Fee	$20Within the typical range ($20–$25 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=wire_domestic_outgoing; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Wire Transfer Fee \| $20.00 \| Outgoing, domestic wires only"	Source
Check ServicesVerified
Cashiers Check Fee	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=cashiers_check; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Cashiers Check Fee \| $5.00"	Source
Check Copy Fee	$3
Digital & ElectronicVerified
Monthly Online Bill Payment Fee	$4.50Within the typical range ($0–$11.29 nationally)	$0.47 below the national median	per month	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=bill_pay; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Monthly Online Bill Payment Fee \| $4.50 or FREE* \| *Monthly fee WAIVED with eStatement enrollment"	Source
Cash & DepositVerified
Non-Metro VISA Cash Advance Fee	$15Above the typical range ($3–$10 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=cash_advance; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Non-Metro VISA Cash Advance Fee \| $15.00 \| Per cash advance on Non-Metro Visa Cards"	Source
Account ServicesVerified
IRS/State Account Levy Processing Fee	$49Within the typical range ($30–$75 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=garnishment_levy; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="IRS/State Account Levy Processing Fee \| $49.00 \| (Notice of Levy Processing Fee)"	Source
Subordination Agreement Processing Fee
Lending FeesVerified
Appraisal Fee	$400Within the typical range ($125–$450 nationally)	$125 above the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=appraisal_fee; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Appraisal Fee \| $400"	Source
Loan Late Payment Fee	$30
Gift & Prepaid CardsVerified
VISA Gift Card	$4.50Within the typical range ($3–$4.50 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=gift_card_purchase; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="VISA Gift Card \| $4.50 \| Reloadable"	Source
Other FeesVerified
Initial Loan Application Fee	$10Below the typical range ($20–$35 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #5936. canonical_hint=other_lending_fee; text_hash=2f18336b4119bb1c351501d266b73d0af9cf9e9b3b1458e13ac86de0810aad9d; excerpt="Initial Loan Application Fee \| $10.00"	Source
Statement Copy Fee	$5

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$80.0M

Total deposits

$71.0M

Service charge income (year to date)

$164K

Fee income ratio

8.1%

Return on assets

1.04%

Metro Federal Credit Union

Published fees

Get an email when Metro Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

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