Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Central Virginia Federal Credit Union

Lynchburg, VirginiaCredit UnionRichmond Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

1. Rate Information. The Dividend Rate and Annual Percentage Yield on | There is no minimum balance requirement to earn$4Below the typical range ($5–$12.50 nationally)

per month · Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=minimum_balance; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="1. Rate Information. The Dividend Rate and Annual Percentage Yield on | There is no minimum balance requirement to earn the stated Annual Percentage | B. Interest Checking. For Int" · Source

Early Account Closure Fee$9

$6 below the national median

Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=early_closure; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Early Account Closure Fee $9.00" · Source

Inactive Account$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=dormant_account; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Inactive Account $5.00 per month | Withdrawals Not Allowed" · Source

Research/Reconciliation Fee$25

$5 above the national median

Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=account_research; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Research/Reconciliation Fee $25.00 per hour" · Source

Overdraft & NSFVerified

Overdraft Privilege Daily Cap$175
per day · Maximum of 5 occurrences or $175 per day · Source
Overdraft Privilege Fee$35Above the typical range ($20–$30 nationally)
$6 above the national median
Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=overdraft; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Overdraft Privilege Fee $35.00 per occurrence" · Source
Overdraft Protection - Savings$9Below the typical range ($20–$30 nationally)
$20 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=overdraft; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Overdraft Protection - Savings $9.00 per item" · Source
Returned Item Fee$35Above the typical range ($25–$32 nationally)
$6 above the national median
Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=nsf; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Returned Item Fee $35.00 per occurrence | 36 months 1.98% 2.00%" · Source

ATM & CardVerified

ATM Transactions$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=atm_non_network; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="ATM Transactions $1.00 per transaction" · Source
ATM/Debit Card$5Above the typical range ($1–$3 nationally)
$3.50 above the national median
Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=atm_non_network; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="ATM/Debit Card $5.00 | (Fixed) Yield (Fixed)" · Source

Wire TransfersVerified

Incoming Wires$5Below the typical range ($7.50–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=wire_domestic_incoming; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Incoming Wires $5.00 per wire" · Source
Outgoing Wire Transfers$15Below the typical range ($20–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=wire_domestic_outgoing; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Outgoing Wire Transfers $15.00 per wire" · Source

Check ServicesVerified

Certified Check Fee$8Above the typical range ($3–$6 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=cashiers_check; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Certified Check Fee $8.00 per item | 6 months 1.44% 1.45%" · Source
Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=check_cashing; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Check Cashing Fee $5.00" · Source
Check Printing Fee Varies depending upon style | Minimum deposit$500Above the typical range ($2–$20 nationally)
$495 above the national median
Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=check_printing; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Check Printing Fee Varies depending upon style | Minimum deposit - $500.00" · Source
Stop Payment Requests$35Above the typical range ($20–$30 nationally)
$8 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=stop_payment; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Stop Payment Requests $35.00 per item | (Fixed) Yield (Fixed)" · Source

Cash & DepositVerified

VISA Cash Advance Fee$5Within the typical range ($3–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=cash_advance; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="VISA Cash Advance Fee $5.00 per advance" · Source

Account ServicesVerified

Garnishment/Levy Fee$50Within the typical range ($25–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=garnishment_levy; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Garnishment/Levy Fee $50.00 per occurrence" · Source

Lending FeesVerified

Loan Late Payment Fee$30Above the typical range ($15–$27 nationally)
$5 above the national median
per month · Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=late_payment; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Loan Late Payment Fee $30.00 per payment period | Dividend Period Monthly" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
1. Rate Information. The Dividend Rate and Annual Percentage Yield on \| There is no minimum balance requirement to earn	$4Below the typical range ($5–$12.50 nationally)	$2.25 below the national median	per month	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=minimum_balance; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="1. Rate Information. The Dividend Rate and Annual Percentage Yield on \| There is no minimum balance requirement to earn the stated Annual Percentage \| B. Interest Checking. For Int"	Source
Early Account Closure Fee	$9Below the typical range ($10–$25 nationally)	$6 below the national median	—	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=early_closure; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Early Account Closure Fee $9.00"	Source
Inactive Account	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=dormant_account; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Inactive Account $5.00 per month \| Withdrawals Not Allowed"	Source
Research/Reconciliation Fee	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=account_research; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Research/Reconciliation Fee $25.00 per hour"	Source
Overdraft & NSFVerified
Overdraft Privilege Daily Cap	$175	—	per day	Maximum of 5 occurrences or $175 per day	Source
Overdraft Privilege Fee	$35Above the typical range ($20–$30 nationally)	$6 above the national median
ATM & CardVerified
ATM Transactions	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=atm_non_network; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="ATM Transactions $1.00 per transaction"	Source
ATM/Debit Card	$5
Wire TransfersVerified
Incoming Wires	$5Below the typical range ($7.50–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=wire_domestic_incoming; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Incoming Wires $5.00 per wire"	Source
Outgoing Wire Transfers
Check ServicesVerified
Certified Check Fee	$8Above the typical range ($3–$6 nationally)	$3 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=cashiers_check; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Certified Check Fee $8.00 per item \| 6 months 1.44% 1.45%"	Source
Check Cashing Fee
Cash & DepositVerified
VISA Cash Advance Fee	$5Within the typical range ($3–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=cash_advance; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="VISA Cash Advance Fee $5.00 per advance"	Source
Account ServicesVerified
Garnishment/Levy Fee	$50Within the typical range ($25–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=garnishment_levy; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Garnishment/Levy Fee $50.00 per occurrence"	Source
Lending FeesVerified
Loan Late Payment Fee	$30Above the typical range ($15–$27 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2547. canonical_hint=late_payment; text_hash=e7ccc549d6f28121b2d0673569f3ec8053b86795c2d199a068160ec248a0fceb; excerpt="Loan Late Payment Fee $30.00 per payment period \| Dividend Period Monthly"	Source

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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

$35

Overdraft fee: $35

21% above the national median overdraft fee

Total fees: 19 — leaner than most institutions

Verified fees

Under review

Assets

$197.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$197.8M

Total deposits

$171.2M

Service charge income (year to date)

$566K

Fee income ratio

9.4%

Return on assets

1.38%

Financial profile · Pro

Performance from regulator filings

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

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 21,453 verified fees from 2,141 institutions

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