Courtesy Pay fee$35Above the typical range ($20–$30 nationally)
$6 above the national median
per item · Source
NSF Draft Transfer Fee$10Above the typical range ($2.50–$5 nationally)
$5 above the national median
per item · Source
Overdraft/NSF fee$35Above the typical range ($25–$32 nationally)
$6 above the national median
per item · Source
Return item fee$20Below the typical range ($25–$32 nationally)
$9 below the national median
per item · Source
Savings Overdraft fee$35Above the typical range ($20–$30 nationally)
$6 above the national median
per item · Source

ATM & CardVerified

Debit Card fee$1Below the typical range ($5–$10 nationally)
$9 below the national median
per month · Choice Checking account · Source
Debit Card Replacement fee$15Above the typical range ($5–$10 nationally)
$5 above the national median
per item · For lost, stolen, or damaged cards · Source

Check ServicesVerified

Certified Check fee$10Above the typical range ($3–$6 nationally)
$5 above the national median
per item · Source
Official/Cashier Check$4Within the typical range ($3–$6 nationally)
$1 below the national median
per item · Source
Stop payment fee$25Within the typical range ($20–$30 nationally)
$2 below the national median
per item · Source

Digital & ElectronicVerified

Unauthorized ACH Fee$35Above the typical range ($5–$20 nationally)
$25 above the national median
per item · Source

Account ServicesVerified

Protest fee$25Within the typical range ($25–$100 nationally)
$25 below the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
D/B/A monthly maintenance fee	$5Within the typical range ($4–$12.63 nationally)	$1.13 below the national median	per month	—	Source
Dormant Account fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	After 12 months of inactivity	Source
Early close out fee	$10Within the typical range ($10–$25 nationally)	$5 below the national median	one time	If account closed within 180 days of opening	Source
Levies/Restraining notice processing fee	$60Above the typical range ($15–$25 nationally)	$40 above the national median	per item	—	Source
Monthly service & Maintenance fee	$2Below the typical range ($4–$12.63 nationally)	$4.13 below the national median	per month	Choice Checking account	Source
New membership fee	$5Within the typical range ($4–$12.63 nationally)	$1.13 below the national median	one time	—	Source
Overdraft & NSFVerified
Courtesy Pay fee	$35Above the typical range ($20–$30 nationally)	$6 above the national median	per item	—	Source
NSF Draft Transfer Fee	$10
ATM & CardVerified
Debit Card fee	$1Below the typical range ($5–$10 nationally)	$9 below the national median	per month	Choice Checking account	Source
Debit Card Replacement fee	$15
Check ServicesVerified
Certified Check fee	$10Above the typical range ($3–$6 nationally)	$5 above the national median	per item	—	Source
Official/Cashier Check	$4
Digital & ElectronicVerified
Unauthorized ACH Fee	$35Above the typical range ($5–$20 nationally)	$25 above the national median	per item	—	Source
Account ServicesVerified
Protest fee	$25Within the typical range ($25–$100 nationally)	$25 below the national median	per item	—	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: 18 — leaner than most institutions

Verified fees

Under review

Assets

$28.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$28.7M

Total deposits

$24.6M

Service charge income (year to date)

$108K

Fee income ratio

13.6%

Return on assets

1.48%

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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