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

Theory Federal Credit Union

Painesville, OhioCredit UnionCleveland Fed districtFees collected Apr 3, 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 Reconciliation$10Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=account_research; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Account Reconciliation / $10.00 per hour" · Source

Overdraft & NSFVerified

NSF$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=nsf; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="NSF, $30.00/item ACH" · Source
Overdraft$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=overdraft; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Overdraft / $30.00/item" · Source

ATM & CardVerified

ATM Withdrawals After 6 Free$1.50Within the typical range ($1–$2.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=atm_non_network; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt=", ATM Withdrawals After 6 Free $1.50/Each ATM" · Source
ATM/Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=card_replacement; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="ATM/Debit Card Replacement $10.00" · Source
EFT FEES, ATM, 6 Free Withdrawals Per Month$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
per month · Knox read a free fee from Rosetta artifact #4887. canonical_hint=atm_non_network; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="EFT FEES, ATM, 6 Free Withdrawals Per Month - No Charge" · Source

Wire TransfersVerified

Wire Transfer Incoming$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=wire_domestic_incoming; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Wire Transfer Incoming $10.00" · Source
Wire Transfer Outgoing$20Within the typical range ($20–$25 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=wire_domestic_outgoing; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Wire Transfer Outgoing $20.00" · Source

Check ServicesVerified

Certified Check$3Within the typical range ($3–$6 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=cashiers_check; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Certified Check $3.00" · Source
Draft Stop Payment$25Within the typical range ($20–$30 nationally)
$0.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=stop_payment; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Draft Stop Payment / $25.00/item" · Source
Money Order$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=money_order; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Money Order $3.00" · Source

Cash & DepositVerified

ATM Chargeback$15Within the typical range ($10–$25 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=deposited_item_return; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="ATM Chargeback / $15.00 Per Transaction" · Source
Deposit Item Return$25Within the typical range ($10–$25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=deposited_item_return; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Deposit Item Return $25.00" · Source

Other FeesVerified

Statement Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=document_reproduction; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Statement Copy $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=account_research; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Account Reconciliation / $10.00 per hour"	Source
Overdraft & NSFVerified
NSF	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=nsf; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="NSF, $30.00/item ACH"	Source
Overdraft	$30
ATM & CardVerified
ATM Withdrawals After 6 Free	$1.50Within the typical range ($1–$2.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=atm_non_network; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt=", ATM Withdrawals After 6 Free $1.50/Each ATM"	Source
ATM/Debit Card Replacement	$10
Wire TransfersVerified
Wire Transfer Incoming	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=wire_domestic_incoming; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Wire Transfer Incoming $10.00"	Source
Wire Transfer Outgoing	$20
Check ServicesVerified
Certified Check	$3Within the typical range ($3–$6 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=cashiers_check; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Certified Check $3.00"	Source
Draft Stop Payment	$25
Cash & DepositVerified
ATM Chargeback	$15Within the typical range ($10–$25 nationally)	At the national median	per transaction	Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=deposited_item_return; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="ATM Chargeback / $15.00 Per Transaction"	Source
Deposit Item Return	$25
Other FeesVerified
Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #4887. canonical_hint=document_reproduction; text_hash=971b457190071e4af3398c98e11cab6af1a89178adb706063548d59e1de0c062; excerpt="Statement Copy $5.00"	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 14 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$38.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$38.4M

Total deposits

$36.0M

Service charge income (year to date)

$74K

Fee income ratio

7.3%

Return on assets

0.10%

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

Based on 28,880 verified fees from 2,290 institutions

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