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

Kemba Federal Credit Union

West Chester, OhioCredit UnionCleveland Fed districtFees collected Oct 3, 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

Account balancing assistance$50Above the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #658. canonical_hint=account_research; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Account balancing assistance / $50.00/hour" · Source

Account Research$25

$5 above the national median

per item · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=account_research; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Account Research / $25.00 per item" · Source

Average daily balance to avoid monthly service charge$0

$6.13 below the national median

per month · Knox read a free fee from Rosetta artifact #658. canonical_hint=monthly_maintenance; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Average daily balance to avoid monthly service charge / $0.00" · Source

Dormant Account Fee (after 12 months no activity)$10

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=dormant_account; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Dormant Account Fee (after 12 months no activity) / $10.00 (per month account balance falls below $100)" · Source

Monthly Service Charge$10

$3.87 above the national median

per month · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=monthly_maintenance; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Monthly Service Charge / $10.00" · Source

Monthly Service Charge$5

$1.13 below the national median

Paper Statement Fee$5

$2 above the national median

Knox deterministic extraction from Rosetta artifact #658. canonical_hint=paper_statement; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Paper Statement Fee / $5.00" · Source

Overdraft & NSFVerified

Overdraft privilege (Per Overdraft Occurrence/Presentment)$19Below the typical range ($20–$30 nationally)
$9 below the national median
per item · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=overdraft; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Overdraft privilege (Per Overdraft Occurrence/Presentment) / $19.00" · Source
Overdraft to loan$5Below the typical range ($20–$30 nationally)
$23 below the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=overdraft; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Overdraft to loan / $5.00/occurrence1" · Source
Returned (NSF) check - Per Presentment$22Below the typical range ($25–$32 nationally)
$7 below the national median
per item · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=nsf; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Returned (NSF) check - Per Presentment / $22.00" · Source
Returned Check for payment$30Within the typical range ($25–$32 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=nsf; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Returned Check for payment / $30.00" · Source

ATM & CardVerified

Each additional ATM withdrawal per month (No withdrawal fees at Kemba ATMs )$3Within the typical range ($1–$3 nationally)
$1.50 above the national median
per month · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=atm_non_network; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Each additional ATM withdrawal per month (No withdrawal fees at Kemba ATMs*) / $3.00" · Source
Four (4) ATM withdrawals per month at surcharge-free ATMs$0Below the typical range ($1–$3 nationally)
$1.50 below the national median
per month · Knox read a free fee from Rosetta artifact #658. canonical_hint=atm_non_network; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Four (4) ATM withdrawals per month at surcharge-free ATMs / FREE" · Source
Replacement of lost Debit/ATM card (one free replacement card per year)$25Above the typical range ($5–$10 nationally)
$15 above the national median
per year · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=card_replacement; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Replacement of lost Debit/ATM card (one free replacement card per year) / $25.00" · Source

Wire TransfersVerified

Incoming wire less than$15Within the typical range ($7.75–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=wire_domestic_incoming; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Incoming wire less than $2,500 / $15.00" · Source

Check ServicesVerified

Check cashing fee (only for accounts with less than$100Above the typical range ($5–$10 nationally)
$95 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=check_cashing; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Check cashing fee (only for accounts with less than $100 on deposit or no open loan or credit card)" · Source
Check cashing fee non-member “on-us” check$10Within the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=check_cashing; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Check cashing fee non-member “on-us” check / $10.00 each" · Source
Stop payment order$33Above the typical range ($20–$30 nationally)
$6 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=stop_payment; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Stop payment order / $33.00" · Source

Account ServicesVerified

10x10$95Above the typical range ($25–$80 nationally)
$55 above the national median
per year · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=safe_deposit_box; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="10x10 / $95.00 + tax/yr" · Source
3x10$50Within the typical range ($25–$80 nationally)
$10 above the national median
per year · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=safe_deposit_box; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="3x10 / $50.00 + tax/yr" · Source
3x5$25Within the typical range ($25–$80 nationally)
$15 below the national median
per year · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=safe_deposit_box; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="3x5 / $25.00 + tax/yr" · Source
5x10$65Within the typical range ($25–$80 nationally)
$25 above the national median
per year · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=safe_deposit_box; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="5x10 / $65.00 +tax/yr" · Source
5x5$40Within the typical range ($25–$80 nationally)
At the national median
per year · Knox deterministic extraction from Rosetta artifact #658. canonical_hint=safe_deposit_box; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="5x5 / $40.00 + tax/yr" · Source
Drilling Fee (per occurrence)$250Above the typical range ($25–$80 nationally)
$210 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=safe_deposit_box; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Drilling Fee (per occurrence) / $250.00" · Source
Garnishment processing fee$40Within the typical range ($25–$75 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=garnishment_levy; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Garnishment processing fee / $40.00 / occurrence" · Source
Key Replacement (per occurrence)$20Below the typical range ($25–$80 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=safe_deposit_box; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Key Replacement (per occurrence) / $20.00" · Source
Transfer /balance inquiry$3Above the typical range ($1–$2 nationally)
$1.75 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=balance_inquiry; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Transfer /balance inquiry / $3.00" · Source
Verification of Deposit$10Within the typical range ($5–$16.13 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=account_verification; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Verification of Deposit / $10.00" · Source

Lending FeesVerified

Loan Origination Fee Titled Vehicles$100Above the typical range ($25–$50 nationally)
$65 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=loan_origination; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Loan Origination Fee Titled Vehicles / $100.00" · Source
Loan Origination Fee Unsecured$50Within the typical range ($25–$50 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=loan_origination; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Loan Origination Fee Unsecured / $50.00" · Source

Other FeesVerified

Photocopy of a cleared check$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #658. canonical_hint=document_reproduction; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Photocopy of a cleared check / $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account balancing assistance	$50Above the typical range ($15–$25 nationally)	$30 above the national median	—	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=account_research; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Account balancing assistance / $50.00/hour"	Source
Account Research	$25Within the typical range ($15–$25 nationally)	$5 above the national median	per item	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=account_research; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Account Research / $25.00 per item"	Source
Average daily balance to avoid monthly service charge	$0Below the typical range ($4–$12.63 nationally)	$6.13 below the national median	per month	Knox read a free fee from Rosetta artifact #658. canonical_hint=monthly_maintenance; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Average daily balance to avoid monthly service charge / $0.00"	Source
Dormant Account Fee (after 12 months no activity)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=dormant_account; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Dormant Account Fee (after 12 months no activity) / $10.00 (per month account balance falls below $100)"	Source
Monthly Service Charge	$10Within the typical range ($4–$12.63 nationally)	$3.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=monthly_maintenance; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Monthly Service Charge / $10.00"	Source
Monthly Service Charge	$5Within the typical range ($4–$12.63 nationally)	$1.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=monthly_maintenance; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Monthly Service Charge / $5.00"	Source
Paper Statement Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=paper_statement; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Paper Statement Fee / $5.00"	Source
Overdraft & NSFVerified
Overdraft privilege (Per Overdraft Occurrence/Presentment)	$19Below the typical range ($20–$30 nationally)	$9 below the national median	per item	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=overdraft; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Overdraft privilege (Per Overdraft Occurrence/Presentment) / $19.00"	Source
Overdraft to loan
ATM & CardVerified
Each additional ATM withdrawal per month (No withdrawal fees at Kemba ATMs )	$3Within the typical range ($1–$3 nationally)	$1.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=atm_non_network; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Each additional ATM withdrawal per month (No withdrawal fees at Kemba ATMs*) / $3.00"	Source

Wire TransfersVerified
Incoming wire less than	$15Within the typical range ($7.75–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=wire_domestic_incoming; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Incoming wire less than $2,500 / $15.00"	Source
Check ServicesVerified
Check cashing fee (only for accounts with less than	$100Above the typical range ($5–$10 nationally)	$95 above the national median	—	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=check_cashing; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Check cashing fee (only for accounts with less than $100 on deposit or no open loan or credit card)"	Source

Account ServicesVerified
10x10	$95Above the typical range ($25–$80 nationally)	$55 above the national median	per year	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=safe_deposit_box; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="10x10 / $95.00 + tax/yr"	Source
3x10	$50
Lending FeesVerified
Loan Origination Fee Titled Vehicles	$100Above the typical range ($25–$50 nationally)	$65 above the national median	—	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=loan_origination; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Loan Origination Fee Titled Vehicles / $100.00"	Source
Loan Origination Fee Unsecured
Other FeesVerified
Photocopy of a cleared check	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #658. canonical_hint=document_reproduction; text_hash=e663dc14685b70062e55bcae876eb862169cb257e9099e98c7c999e3c1188555; excerpt="Photocopy of a cleared check / $5.00"	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.

Overdraft

$19

Overdraft fee: $19

32% below the national median overdraft fee

Total fees: 31

Verified fees

Under review

Assets

$1.7B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.7B

Total deposits

$1.5B

Service charge income (year to date)

$3.0M

Fee income ratio

5.8%

Return on assets

0.56%

Financial profile · Pro

Performance from regulator filings

Four (4) ATM withdrawals per month at surcharge-free ATMs

Check cashing fee non-member “on-us” check

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

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

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

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