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

Electel Cooperative Federal Credit Union

Raleigh, North CarolinaCredit UnionRichmond Fed districtFees collected Oct 6, 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 Research$20Within the typical range ($12–$25 nationally)

Overdraft & NSFVerified

Overdraft Privilege Fee (per item)$23Below the typical range ($25–$33 nationally)
$7 below the national median$6 below the North Carolina median
per item · Source
Nonsufficient Funds Item (each)$23Below the typical range ($25–$32 nationally)
$7 below the national median$2 below the North Carolina median
per item · Source

Wire TransfersVerified

Outgoing Wire Transfer (Domestic)$18Below the typical range ($20–$25 nationally)
$7 below the national median$1 below the North Carolina median
Source
Outgoing Wire Transfer (Foreign)$33.50Below the typical range ($40–$50 nationally)
$16.50 below the national median$11.50 below the North Carolina median
Source

Check ServicesVerified

Stop Payments (all items)$23Within the typical range ($20–$30 nationally)
$4.50 below the national median$6 below the North Carolina median
Source
Copy of Check$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the North Carolina median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Research	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$9 above the North Carolina median	—	—	Source
Return Mail Fee	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$6 below the North Carolina median	—	—	Source
Overdraft & NSFVerified
Overdraft Privilege Fee (per item)	$23Below the typical range ($25–$33 nationally)	$7 below the national median$6 below the North Carolina median	per item	—	Source
Nonsufficient Funds Item (each)	$23
Wire TransfersVerified
Outgoing Wire Transfer (Domestic)	$18Below the typical range ($20–$25 nationally)	$7 below the national median$1 below the North Carolina median	—	—	Source
Outgoing Wire Transfer (Foreign)	$33.50
Check ServicesVerified
Stop Payments (all items)	$23Within the typical range ($20–$30 nationally)	$4.50 below the national median$6 below the North Carolina median	—	—	Source
Copy of Check	$5
Cash & DepositVerified
Deposited Checks (and other items) Returned Upaid	$23Within the typical range ($8–$25 nationally)	$8 above the national median$13 above the North Carolina median	—	—	Source
Other FeesVerified
Statement Copy (per copy)	$5Within the typical range ($2–$5 nationally)	$2 above the national medianAt the North Carolina median	per item	—	Source

Fee change alerts

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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

23% below the national median overdraft fee

10 verified fees collected

Headline fees published

6 of 15

Published 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

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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