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

Electel Cooperative Federal Credit Union

Raleigh, North CarolinaCredit 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

Account Research$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=account_research; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Account Research / $20 per ½ hour" · Source

Overdraft & NSFVerified

Nonsufficient Funds Item (each)$23Below the typical range ($25–$32 nationally)
$6 below the national median
Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=nsf; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Nonsufficient Funds Item (each) / $23.00" · Source
Overdraft Privilege Fee (per item)$23Within the typical range ($20–$30 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=overdraft; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Overdraft Privilege Fee (per item) / $23.00" · Source

Wire TransfersVerified

Outgoing Wire Transfer (Domestic)$18Below the typical range ($20–$25 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=wire_domestic_outgoing; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Outgoing Wire Transfer (Domestic) / $18.00" · Source

Check ServicesVerified

Copy of Check$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=check_image; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Copy of Check / $5.00" · Source
Stop Payments (all items)$23Within the typical range ($20–$30 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=stop_payment; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Stop Payments (all items) / $23.00" · Source

Other FeesVerified

Statement Copy (per copy)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=document_reproduction; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Statement Copy (per copy) / $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=account_research; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Account Research / $20 per ½ hour"	Source
Overdraft & NSFVerified
Nonsufficient Funds Item (each)	$23Below the typical range ($25–$32 nationally)	$6 below the national median	—	Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=nsf; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Nonsufficient Funds Item (each) / $23.00"	Source
Overdraft Privilege Fee (per item)
Wire TransfersVerified
Outgoing Wire Transfer (Domestic)	$18Below the typical range ($20–$25 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=wire_domestic_outgoing; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Outgoing Wire Transfer (Domestic) / $18.00"	Source
Check ServicesVerified
Copy of Check	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=check_image; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Copy of Check / $5.00"	Source
Stop Payments (all items)	$23
Other FeesVerified
Statement Copy (per copy)	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #2095. canonical_hint=document_reproduction; text_hash=d9526deca442890da17c296c7950347279c7ec2046a16601a666fb67b613a7cb; excerpt="Statement Copy (per 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

$23

Overdraft fee: $23

18% below the national median overdraft fee

Total fees: 7 — leaner than most institutions

Verified fees

Under review

Assets

$68.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$68.2M

Total deposits

$59.9M

Service charge income (year to date)

$88K

Fee income ratio

4.1%

Return on assets

0.01%

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 20,792 verified fees from 2,117 institutions

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