Beacon Community Federal Credit Union

Headquarters: Louisville, Kentucky
Charter: Credit Union
Assets: $72.1M
Fed district: St. Louis

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Second Chance Checking
Beacon Community Federal Credit Union: $10
Beacon Community Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Beacon Community Federal Credit Union: $36
Beacon Community Federal Credit Union: $36
U.S. median: no median
NSF / Returned Item
Beacon Community Federal Credit Union: $36
Beacon Community Federal Credit Union: $36
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Beacon Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Second Chance Checking Monthly fee$10
per month
Early Close Penalty for new accounts closed within 30 Days$5
Dormant Account$7
per month
Balancing Assistance$15
Not compared: Charged per hour; comparison unavailable
per hour · | Balancing Assistance | $15.00 per hour |
Paper statement fee$1

Overdraft & NSF

Courtesy Pay Fee (if applicable)$36
per item
NSF Draft, NSF ACH item or NSF Bill Pay item$36
per item
NSF/Overdrawn ATM Withdrawal$36
per item
Overdraft Transfer$5
per item

ATM & Card

6 ATM Withdrawals Free per month$1
per item
Fifth Third ATM fee$0.50
per transaction
Non-Network ATM$0.50
Replacement Card$10
per item

Wire Transfers

Wire transfer (domestic) Outgoing$20
per item
Wire transfer Incoming$10
per item

Check Services

Certified Checks/Official Checks-Members$5
per item
Certified Checks/Official Checks-Non-Members$10
per item
Money Orders$2
Stop Payment, if item would not cause NSF$17
per item
Starter/Temporary Checks$3
per item
Check Cashing Fee Shares Only <$3
per item
Copies of Drafts$4
Sales Draft Copy$4
per item

Digital & Electronic

Bill PayNo charge

Cash & Deposit

Return Deposit Item (1 party)$36
per item
Return Deposit Item (2 party)$34
Return Deposit Item (2 party)$15
per item

Account Services

Notary PublicNo charge
Judicial Attachment (Garnishment)$36
Judicial Attachment (Garnishment)$34

Gift & Prepaid Cards

Visa Gift Cards$3
per item

Other Fees

Document Copy$4
per item
Skip-A-Pay fee (per loan)$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Second Chance Checking Monthly fee	$10	per month	None
Early Close Penalty for new accounts closed within 30 Days	$5	Not stated	None
Dormant Account	$7	per month	None
Balancing Assistance	$15Not compared: Charged per hour; comparison unavailable	per hour	\| Balancing Assistance \| $15.00 per hour \|
Paper statement fee	$1	Not stated	None
Overdraft & NSF
Courtesy Pay Fee (if applicable)	$36	per item	None
NSF Draft, NSF ACH item or NSF Bill Pay item	$36	per item	None
NSF/Overdrawn ATM Withdrawal	$36	per item	None
Overdraft Transfer	$5	per item	None
ATM & Card
6 ATM Withdrawals Free per month	$1	per item	None
Fifth Third ATM fee	$0.50	per transaction	None
Non-Network ATM	$0.50	Not stated	None
Replacement Card	$10	per item	None
Wire Transfers
Wire transfer (domestic) Outgoing	$20	per item	None
Wire transfer Incoming	$10	per item	None
Check Services
Certified Checks/Official Checks-Members	$5	per item	None
Certified Checks/Official Checks-Non-Members	$10	per item	None
Money Orders	$2	Not stated	None
Stop Payment, if item would not cause NSF	$17	per item	None
Starter/Temporary Checks	$3	per item	None
Check Cashing Fee Shares Only <	$3	per item	None
Copies of Drafts	$4	Not stated	None
Sales Draft Copy	$4	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Cash & Deposit
Return Deposit Item (1 party)	$36	per item	None
Return Deposit Item (2 party)	$34	Not stated	None
Return Deposit Item (2 party)	$15	per item	None
Account Services
Notary Public	No charge	Not stated	None
Judicial Attachment (Garnishment)	$36	Not stated	None
Judicial Attachment (Garnishment)	$34	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$3	per item	None
Other Fees
Document Copy	$4	per item	None
Skip-A-Pay fee (per loan)	$20	per item	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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