Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $1B to $10B

Commonwealth Federal Credit Union

Frankfort, KentuckyCredit UnionCleveland Fed districtFees collected Apr 20, 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

20/20 Checking Monthly service fee.........................................................$32Within the typical range ($5–$200 nationally)

per month · Knox deterministic extraction from Rosetta artifact #236. canonical_hint=monthly_maintenance; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$32.00 20/20 Checking Monthly service fee........................................................." · Source

Account Limitations There will be a$15

$2.50 below the national median

per month · Knox deterministic extraction from Rosetta artifact #236. canonical_hint=monthly_maintenance; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="Account Limitations There will be a $15 monthly fee if the average daily balance falls below $5,000" · Source

Dividends will be paid monthly if the average balance remains at$2,500

$2,482.50 above the national median

per month · Knox deterministic extraction from Rosetta artifact #236. canonical_hint=monthly_maintenance; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="Dividends will be paid monthly if the average balance remains at $2,500 or higher during the dividend period" · Source

Monthly service fee for balances below ………… Membership Account Monthly Dormant/Inactive Account Fee ....................$5

$12.50 below the national median

per month · Knox deterministic extraction from Rosetta artifact #236. canonical_hint=monthly_maintenance; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$5.00 Monthly service fee for balances below $2,500 …………$10.00 Membership Account Monthly Dormant/Inactive Account Fee ............................" · Source

There is a$10

$7.50 below the national median

Overdraft & NSFVerified

Check Returned for Non-Sufficient Funds (NSF) ..........$32Above the typical range ($10–$30 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=nsf; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$32.00 Check Returned for Non-Sufficient Funds (NSF) .........." · Source
Overdraft Privilege (OD Privilege) ..................................$4Below the typical range ($7.50–$35 nationally)
$21 below the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=overdraft; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$4.00 Overdraft Privilege (OD Privilege) .................................." · Source
Overdraft Protection (NSF transfer) ..................................$15Within the typical range ($7.50–$35 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=overdraft; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$15.00 Overdraft Protection (NSF transfer) .................................." · Source

Wire TransfersVerified

Outgoing International Wire (in foreign currency) ...........$50Above the typical range ($15–$30 nationally)
$30 above the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=wire_domestic_outgoing; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$50.00 Outgoing International Wire (in foreign currency) ..........." · Source
Outgoing International Wire (in U.S$10Below the typical range ($15–$30 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=wire_domestic_outgoing; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$10.00 Outgoing International Wire (in U.S" · Source

Check ServicesVerified

ACH Stop Payment /Transaction Cancellation ...............$25Within the typical range ($17.50–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=stop_payment; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$25.00 ACH Stop Payment /Transaction Cancellation ..............." · Source
Check Cashing Fee (Non-Members, On-Us Checks) ……. Money Order ..........................................................$5Within the typical range ($2–$18.75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=money_order; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$5.00 Check Cashing Fee (Non-Members, On-Us Checks) …….$5.00 Money Order ...................................................................." · Source
Stop Payment on Cashier's Check .................................$25Above the typical range ($5–$12 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=cashiers_check; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$25.00 Stop Payment on Cashier's Check ................................." · Source
Stop Payments Stop Payment on one or more checks............................$10Below the typical range ($17.50–$30 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=stop_payment; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$10.00 Stop Payments Stop Payment on one or more checks............................" · Source

Cash & DepositVerified

Returned Deposited Item ...............................................$10Within the typical range ($10–$20 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=deposited_item_return; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$10.00 Returned Deposited Item ..............................................." · Source

Account ServicesVerified

Drill box fee (when keys are lost or stolen)...................$25Within the typical range ($15–$75 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=safe_deposit_box; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$25.00 Drill box fee (when keys are lost or stolen)..................." · Source
Neither the Credit Union nor NCUA provide insurance on safe deposit box contents$200Above the typical range ($15–$75 nationally)
$170 above the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=safe_deposit_box; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$200.00 Neither the Credit Union nor NCUA provide insurance on safe deposit box contents" · Source
per year Duplicate Safe Deposit Box Key ....................................$72Within the typical range ($15–$75 nationally)
$42 above the national median
per year · Knox deterministic extraction from Rosetta artifact #236. canonical_hint=safe_deposit_box; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$72.00 per year Duplicate Safe Deposit Box Key ...................................." · Source
Safe Deposit Boxes 3X5 ..................................................................$30Within the typical range ($15–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #236. canonical_hint=safe_deposit_box; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$30.00 Safe Deposit Boxes 3X5 .................................................................." · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
20/20 Checking Monthly service fee.........................................................	$32Within the typical range ($5–$200 nationally)	$14.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=monthly_maintenance; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$32.00 20/20 Checking Monthly service fee........................................................."	Source
Account Limitations There will be a	$15Within the typical range ($5–$200 nationally)	$2.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=monthly_maintenance; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="Account Limitations There will be a $15 monthly fee if the average daily balance falls below $5,000"	Source
Dividends will be paid monthly if the average balance remains at	$2,500Above the typical range ($5–$200 nationally)	$2,482.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=monthly_maintenance; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="Dividends will be paid monthly if the average balance remains at $2,500 or higher during the dividend period"	Source
Monthly service fee for balances below ………… Membership Account Monthly Dormant/Inactive Account Fee ....................	$5Within the typical range ($5–$200 nationally)	$12.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=monthly_maintenance; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$5.00 Monthly service fee for balances below $2,500 …………$10.00 Membership Account Monthly Dormant/Inactive Account Fee ............................"	Source
There is a	$10Within the typical range ($5–$200 nationally)	$7.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=monthly_maintenance; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="There is a $10.00 monthly service fee"	Source
Overdraft & NSFVerified
Check Returned for Non-Sufficient Funds (NSF) ..........	$32Above the typical range ($10–$30 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=nsf; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$32.00 Check Returned for Non-Sufficient Funds (NSF) .........."	Source

Wire TransfersVerified
Outgoing International Wire (in foreign currency) ...........	$50Above the typical range ($15–$30 nationally)	$30 above the national median	—	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=wire_domestic_outgoing; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$50.00 Outgoing International Wire (in foreign currency) ..........."	Source

Check ServicesVerified
ACH Stop Payment /Transaction Cancellation ...............	$25Within the typical range ($17.50–$30 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=stop_payment; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$25.00 ACH Stop Payment /Transaction Cancellation ..............."	Source

Cash & DepositVerified
Returned Deposited Item ...............................................	$10Within the typical range ($10–$20 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=deposited_item_return; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$10.00 Returned Deposited Item ..............................................."	Source
Account ServicesVerified
Drill box fee (when keys are lost or stolen)...................	$25Within the typical range ($15–$75 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #236. canonical_hint=safe_deposit_box; text_hash=c8b033e22bae7ad9124114b565a0682ae0621098aa268a20876d2c6192c753ee; excerpt="$25.00 Drill box fee (when keys are lost or stolen)..................."	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

Overdraft fee: $4

84% below the national median overdraft fee

Total fees: 19 — leaner than most institutions

Verified fees

Under review

Assets

$2.9B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$2.9B

Total deposits

$2.6B

Service charge income (year to date)

$6.9M

Fee income ratio

7.0%

Return on assets

1.55%

Financial profile · Pro

Performance from regulator filings

Overdraft Privilege (OD Privilege) ..................................

Outgoing International Wire (in U.S

Check Cashing Fee (Non-Members, On-Us Checks) ……. Money Order ..........................................................

Neither the Credit Union nor NCUA provide insurance on safe deposit box contents

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

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