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, $1B to $10B

Vibrant Federal Credit Union

Moline, IllinoisCredit UnionChicago 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 (per hour)$20Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Overdraft Charges | Returned Check$25Within the typical range ($25–$31 nationally)
$5 below the national median
Source
Overdraft Privilege (per item)$29Within the typical range ($25–$32 nationally)
$1 below the national median
per item · Source
Overdraft Service Transfer (per transfer)$5Within the typical range ($3–$5 nationally)
At the national median
Source
Returned Item/NSF$29Within the typical range ($25–$31 nationally)
$1 below the national median
per item · Source

ATM & CardVerified

Card Rush Delivery$20Below the typical range ($30–$50 nationally)
$20 below the national median
Source

Check ServicesVerified

Cost of Checks | Varies | Cashier’s Check (per check)$5Within the typical range ($3–$6 nationally)
At the national median
per item · Source
Money Order (per check)$4Above the typical range ($1.50–$3 nationally)
$2 above the national median
per item · Source
Money Orders (per check)$5Above the typical range ($1.50–$3 nationally)
$3 above the national median
per item · Source
Nonmember Check Cashing (per item)$5Within the typical range ($5–$10 nationally)
At the national median
per item · Source
Stop Payment Charges | International$50Above the typical range ($20–$30 nationally)
$24 above the national median
Source

Account ServicesVerified

Garnishment/Levy$75Within the typical range ($30–$75 nationally)
$25 above the national median
Source

Mortgage ServicingVerified

Lien Release Letter Charge$5Below the typical range ($10–$25 nationally)
$10 below the national median
Source

Retirement & IRAVerified

Negative Account Balance (after seven days | IRA Direct Transfer$28Within the typical range ($25–$35 nationally)
$3 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research (per hour)	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Overdraft & NSFVerified
Overdraft Charges \| Returned Check	$25Within the typical range ($25–$31 nationally)	$5 below the national median	—	—	Source
Overdraft Privilege (per item)	$29
ATM & CardVerified
Card Rush Delivery	$20Below the typical range ($30–$50 nationally)	$20 below the national median	—	—	Source
Check ServicesVerified
Cost of Checks \| Varies \| Cashier’s Check (per check)	$5Within the typical range ($3–$6 nationally)	At the national median	per item	—	Source
Money Order (per check)	$4
Account ServicesVerified
Garnishment/Levy	$75Within the typical range ($30–$75 nationally)	$25 above the national median	—	—	Source
Mortgage ServicingVerified
Lien Release Letter Charge	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
Retirement & IRAVerified
Negative Account Balance (after seven days \| IRA Direct Transfer	$28Within the typical range ($25–$35 nationally)	$3 above the national median	—	—	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

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

Total fees: 14 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$1.2B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.2B

Total deposits

$958.6M

Service charge income (year to date)

$1.8M

Fee income ratio

5.0%

Return on assets

0.23%

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, and SEC filings

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Based on 42,677 published fee entries from 2,715 institutions

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