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, $1B to $10B

Civic Federal Credit Union

Raleigh, North CarolinaCredit UnionRichmond Fed districtFees collected Oct 7, 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

Essential Checking Account maintenance fee$1Below the typical range ($4–$10 nationally)

Signature+ Checking Account maintenance fee$6

At the national median$1.03 above the North Carolina median

per month · Source

Choice Money Market Account minimum balance fee$10

$3 above the national median$7 above the North Carolina median

per month · Source

Money Market Account minimum balance fee$2

$5 below the national median$1 below the North Carolina median

per month · Source

Select Savings Account minimum balance fee$1

$6 below the national median$2 below the North Carolina median

per month · Source

Early Account closure fee (account closed within 120 days of opening)$25

$7.50 above the national median$7.50 above the North Carolina median

Source

per inactive account$5

At the national medianAt the North Carolina median

per month · Source

Paper statements, printing and delivery$5

$2 above the national median$2.50 above the North Carolina median

Source

Overdraft & NSFVerified

Overdraft coverage through Courtesy Pay service$19Below the typical range ($25–$33 nationally)
$11 below the national median$10 below the North Carolina median
per item · Source
Non-sufficient funds$25Within the typical range ($25–$32 nationally)
$5 below the national medianAt the North Carolina median
Source
Overdraft transfer service$0.50Below the typical range ($2.50–$5 nationally)
$4.50 below the national medianAt the North Carolina median
per item · Source

ATM & CardVerified

Debit card replacement, per card$8Within the typical range ($5–$10 nationally)
$2 below the national median$3 above the North Carolina median
per item · Source
Rush debit card replacement$75Above the typical range ($30–$50 nationally)
$35 above the national median$40 above the North Carolina median
Source

Wire TransfersVerified

Outgoing domestic wire transfer$15Below the typical range ($20–$25 nationally)
$10 below the national median$4 below the North Carolina median
per item · Source

Check ServicesVerified

Official check$5Within the typical range ($3–$6 nationally)
At the national median$1 above the North Carolina median
per item · Source
Stop payment: All items including checks written, ACH transfers, Zelle® and bill payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$4 below the North Carolina median
Source

Digital & ElectronicVerified

Expedited bill payment$20Above the typical range ($0–$9.95 nationally)
$17.50 above the national median$18 above the North Carolina median
Source

Cash & DepositVerified

Returned deposit$10Within the typical range ($8–$25 nationally)
$5 below the national medianAt the North Carolina median
per item · Source

Account ServicesVerified

Garnishment and levy fee$75Within the typical range ($30–$87.50 nationally)
$25 above the national median$5 above the North Carolina median
Source
Verification of deposit$10Within the typical range ($5–$15 nationally)
At the national medianAt the North Carolina median
Source

Lending FeesVerified

Late payment$20Within the typical range ($10–$25 nationally)
At the national median$5 above the North Carolina median
per month · Source
Late payment$10Within the typical range ($10–$25 nationally)
$10 below the national median$5 below the North Carolina median
per month · Source

Retirement & IRAVerified

IRA Transfer Fee, transfers out to another institution$25Within the typical range ($25–$35 nationally)
At the national medianAt the North Carolina median
Source

Other FeesVerified

HELOC subordination request$250Above the typical range ($25–$100 nationally)
$212.50 above the national median$190 above the North Carolina median
Source
New loan documentation preparation$200Above the typical range ($25–$100 nationally)
$162.50 above the national median$140 above the North Carolina median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Essential Checking Account maintenance fee	$1Below the typical range ($4–$10 nationally)	$5 below the national median$3.97 below the North Carolina median	per month	—	Source
Signature+ Checking Account maintenance fee	$6Within the typical range ($4–$10 nationally)	At the national median$1.03 above the North Carolina median	per month	—	Source
Choice Money Market Account minimum balance fee	$10Within the typical range ($5–$10 nationally)	$3 above the national median$7 above the North Carolina median	per month	—	Source
Money Market Account minimum balance fee	$2Below the typical range ($5–$10 nationally)	$5 below the national median$1 below the North Carolina median	per month	—	Source
Select Savings Account minimum balance fee	$1Below the typical range ($5–$10 nationally)	$6 below the national median$2 below the North Carolina median	per month	—	Source
Early Account closure fee (account closed within 120 days of opening)	$25Within the typical range ($10–$25 nationally)	$7.50 above the national median$7.50 above the North Carolina median	—	—	Source
per inactive account	$5Within the typical range ($5–$10 nationally)	At the national medianAt the North Carolina median	per month	—	Source
Paper statements, printing and delivery	$5Above the typical range ($2–$4.93 nationally)	$2 above the national median$2.50 above the North Carolina median	—	—	Source
Overdraft & NSFVerified
Overdraft coverage through Courtesy Pay service	$19Below the typical range ($25–$33 nationally)	$11 below the national median$10 below the North Carolina median	per item	—	Source
Non-sufficient funds	$25
ATM & CardVerified
Debit card replacement, per card	$8Within the typical range ($5–$10 nationally)	$2 below the national median$3 above the North Carolina median	per item	—	Source
Rush debit card replacement	$75
Wire TransfersVerified
Outgoing domestic wire transfer	$15Below the typical range ($20–$25 nationally)	$10 below the national median$4 below the North Carolina median	per item	—	Source
Check ServicesVerified
Official check	$5Within the typical range ($3–$6 nationally)	At the national median$1 above the North Carolina median	per item	—	Source
Stop payment: All items including checks written, ACH transfers, Zelle® and bill payment	$25
Digital & ElectronicVerified
Expedited bill payment	$20Above the typical range ($0–$9.95 nationally)	$17.50 above the national median$18 above the North Carolina median	—	—	Source
Cash & DepositVerified
Returned deposit	$10Within the typical range ($8–$25 nationally)	$5 below the national medianAt the North Carolina median	per item	—	Source
Account ServicesVerified
Garnishment and levy fee	$75Within the typical range ($30–$87.50 nationally)	$25 above the national median$5 above the North Carolina median	—	—	Source
Verification of deposit	$10
Lending FeesVerified
Late payment	$20Within the typical range ($10–$25 nationally)	At the national median$5 above the North Carolina median	per month	—	Source
Late payment	$10
Retirement & IRAVerified
IRA Transfer Fee, transfers out to another institution	$25Within the typical range ($25–$35 nationally)	At the national medianAt the North Carolina median	—	—	Source
Other FeesVerified
HELOC subordination request	$250Above the typical range ($25–$100 nationally)	$212.50 above the national median$190 above the North Carolina median	—	—	Source
New loan documentation preparation	$200

Against Richmond Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$19.00
Of 108 others that publish it, 3 lower and 105 higher.
Monthly maintenance
$3.50
Of 57 others that publish it, 16 lower, 1 the same and 40 higher.

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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

$19

Overdraft fee: $19

37% below the national median overdraft fee

25 verified fees collected

Headline fees published

11 of 15

Published fees

Under review

Assets

$3.1B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$3.1B

Total deposits

$2.6B

Service charge income (year to date)

$6.7M

Fee income ratio

6.5%

Return on assets

-3.07%

Financial profile · Pro

Performance from regulator filings

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