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

Vickswood Federal Credit Union

Vicksburg, MississippiCredit UnionAtlanta 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

Bad Address Fee | Assessed when mail is returned due to invalid address.$7.50Below the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=account_research; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Bad Address Fee | Assessed when mail is returned due to invalid address. | $7.50" · Source

Dormant Account | Assessed when an account has no activity for a defined period.$10

$5 above the national median

Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=dormant_account; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Dormant Account | Assessed when an account has no activity for a defined period. | $10.00" · Source

Re-Join Fee (Within 12 Months) | Fee to reinstate membership that was closed within the past year.$10

$5 below the national median

Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=early_closure; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Re-Join Fee (Within 12 Months) | Fee to reinstate membership that was closed within the past year. | $10.00" · Source

Research Fee – Per Hour | Charged for staff research assistance on account history or records.$25

$5 above the national median

Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=account_research; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Research Fee – Per Hour | Charged for staff research assistance on account history or records. | $25.00" · Source

Overdraft & NSFVerified

Non-Sufficient Funds | Charged when a transaction is presented without enough funds.$30Within the typical range ($25–$32 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=nsf; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Non-Sufficient Funds | Charged when a transaction is presented without enough funds. | $30.00" · Source
Share Overdraft Transfer | Fee for each overdraft transfer from shares.$2Below the typical range ($2.50–$5 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=od_protection_transfer; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Share Overdraft Transfer | Fee for each overdraft transfer from shares. | $2.00" · Source

ATM & CardVerified

ATM Out-of-Network Fee | Fee for using an ATM outside the credit union network.$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=atm_non_network; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="ATM Out-of-Network Fee | Fee for using an ATM outside the credit union network. | $1.00" · Source
Card Replacement | Fee for replacing a lost or damaged debit/ATM card.$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=card_replacement; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Card Replacement | Fee for replacing a lost or damaged debit/ATM card. | $10.00" · Source

Check ServicesVerified

Copies of Checks (Other Financial) | Printed copies of checks drawn from another institution.$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=check_image; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Copies of Checks (Other Financial) | Printed copies of checks drawn from another institution. | $2.00" · Source
Stop Payment Fee | Fee for placing a stop payment on checks or ACH items.$37Above the typical range ($20–$30 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=stop_payment; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Stop Payment Fee | Fee for placing a stop payment on checks or ACH items. | $37.00" · Source

Account ServicesVerified

Legal Processing Fee | Fees for processing levies, garnishments, subpoenas, or similar legal actions.$50Within the typical range ($25–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=garnishment_levy; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Legal Processing Fee | Fees for processing levies, garnishments, subpoenas, or similar legal actions. | $50.00" · Source

Lending FeesVerified

Late Payment Fee | Fee assessed when a loan payment is made after the grace period.$20Within the typical range ($15–$26.50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=late_payment; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Late Payment Fee | Fee assessed when a loan payment is made after the grace period. | $20.00" · Source
Skip-A-Payment Fee | Fee for approved payment deferment.$25Within the typical range ($15–$26.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=late_payment; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Skip-A-Payment Fee | Fee for approved payment deferment. | $25.00" · Source

Other FeesVerified

Loan Application Fee | Processing fee for reviewing a loan application.$25Within the typical range ($20–$35 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=other_lending_fee; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Loan Application Fee | Processing fee for reviewing a loan application. | $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Bad Address Fee \| Assessed when mail is returned due to invalid address.	$7.50Below the typical range ($15–$25 nationally)	$12.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=account_research; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Bad Address Fee \| Assessed when mail is returned due to invalid address. \| $7.50"	Source
Dormant Account \| Assessed when an account has no activity for a defined period.	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=dormant_account; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Dormant Account \| Assessed when an account has no activity for a defined period. \| $10.00"	Source
Re-Join Fee (Within 12 Months) \| Fee to reinstate membership that was closed within the past year.	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=early_closure; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Re-Join Fee (Within 12 Months) \| Fee to reinstate membership that was closed within the past year. \| $10.00"	Source
Research Fee – Per Hour \| Charged for staff research assistance on account history or records.	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=account_research; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Research Fee – Per Hour \| Charged for staff research assistance on account history or records. \| $25.00"	Source
Overdraft & NSFVerified
Non-Sufficient Funds \| Charged when a transaction is presented without enough funds.	$30Within the typical range ($25–$32 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=nsf; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Non-Sufficient Funds \| Charged when a transaction is presented without enough funds. \| $30.00"	Source
Share Overdraft Transfer \| Fee for each overdraft transfer from shares.
ATM & CardVerified
ATM Out-of-Network Fee \| Fee for using an ATM outside the credit union network.	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=atm_non_network; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="ATM Out-of-Network Fee \| Fee for using an ATM outside the credit union network. \| $1.00"	Source

Check ServicesVerified
Copies of Checks (Other Financial) \| Printed copies of checks drawn from another institution.	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=check_image; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Copies of Checks (Other Financial) \| Printed copies of checks drawn from another institution. \| $2.00"	Source

Account ServicesVerified
Legal Processing Fee \| Fees for processing levies, garnishments, subpoenas, or similar legal actions.	$50Within the typical range ($25–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=garnishment_levy; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Legal Processing Fee \| Fees for processing levies, garnishments, subpoenas, or similar legal actions. \| $50.00"	Source
Lending FeesVerified
Late Payment Fee \| Fee assessed when a loan payment is made after the grace period.	$20Within the typical range ($15–$26.50 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=late_payment; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Late Payment Fee \| Fee assessed when a loan payment is made after the grace period. \| $20.00"	Source

Other FeesVerified
Loan Application Fee \| Processing fee for reviewing a loan application.	$25Within the typical range ($20–$35 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2040. canonical_hint=other_lending_fee; text_hash=7949b3b13bb197e5d9ed745f2ed3162c0e939922cce85c3e7b0118a6333a1ec2; excerpt="Loan Application Fee \| Processing fee for reviewing a loan application. \| $25.00"	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.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$11.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$11.5M

Total deposits

$8.4M

Service charge income (year to date)

$23K

Fee income ratio

7.7%

Return on assets

1.22%

Financial profile · Pro

Performance from regulator filings

Card Replacement | Fee for replacing a lost or damaged debit/ATM card.

Stop Payment Fee | Fee for placing a stop payment on checks or ACH items.

Skip-A-Payment Fee | Fee for approved payment deferment.

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 20,792 verified fees from 2,117 institutions

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