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

Spojnia Federal Credit Union

Scranton, PennsylvaniaCredit UnionPhiladelphia 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

Dormant Fee$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=dormant_account; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Dormant Fee / $5.00 Per Month after 24 Months of Dormancy" · Source

Overdraft & NSFVerified

Nonsufficient funds – preauthorized withdrawal or share draft$20Below the typical range ($25–$32 nationally)
$9 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=nsf; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Nonsufficient funds – preauthorized withdrawal or share draft / $20.00 per item" · Source
Overdraft fee$20Within the typical range ($20–$30 nationally)
$9 below the national median
Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=overdraft; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Overdraft fee / $20.00 paid or unpaid return" · Source

Wire TransfersVerified

Wire transfer outgoing$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=wire_domestic_outgoing; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Wire transfer outgoing / $20.00 per outgoing wire. No charge for incoming wire." · Source

Check ServicesVerified

Stop payment ACH payment$20Within the typical range ($20–$30 nationally)
$7 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=stop_payment; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Stop payment ACH payment / $20.00 per item" · Source
Stop payment series of checks$10Below the typical range ($20–$30 nationally)
$17 below the national median
Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=stop_payment; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Stop payment series of checks / $10.00 per series of checks" · Source

Cash & DepositVerified

Returned deposited item$20Within the typical range ($9.75–$25 nationally)
$5 above the national median
per item · Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=deposited_item_return; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Returned deposited item / $20.00 per item" · Source

Other FeesVerified

Home Equity Loan Application Fee$500Above the typical range ($20–$35 nationally)
$475 above the national median
Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=other_lending_fee; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Home Equity Loan Application Fee / $500.00 non-refundable fee" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=dormant_account; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Dormant Fee / $5.00 Per Month after 24 Months of Dormancy"	Source
Overdraft & NSFVerified
Nonsufficient funds – preauthorized withdrawal or share draft	$20Below the typical range ($25–$32 nationally)	$9 below the national median	per item	Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=nsf; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Nonsufficient funds – preauthorized withdrawal or share draft / $20.00 per item"	Source
Overdraft fee
Wire TransfersVerified
Wire transfer outgoing	$20Within the typical range ($20–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=wire_domestic_outgoing; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Wire transfer outgoing / $20.00 per outgoing wire. No charge for incoming wire."	Source
Check ServicesVerified
Stop payment ACH payment	$20Within the typical range ($20–$30 nationally)	$7 below the national median	per item	Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=stop_payment; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Stop payment ACH payment / $20.00 per item"	Source
Stop payment series of checks
Cash & DepositVerified
Returned deposited item	$20Within the typical range ($9.75–$25 nationally)	$5 above the national median	per item	Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=deposited_item_return; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Returned deposited item / $20.00 per item"	Source
Other FeesVerified
Home Equity Loan Application Fee	$500Above the typical range ($20–$35 nationally)	$475 above the national median	—	Knox deterministic extraction from Rosetta artifact #1950. canonical_hint=other_lending_fee; text_hash=8c33ea2ff6f32399acb8fc1f2c662f8f4f5cd5305a34c992ba7938d917790a4f; excerpt="Home Equity Loan Application Fee / $500.00 non-refundable fee"	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

$20

Overdraft fee: $20

31% below the national median overdraft fee

Total fees: 8 — leaner than most institutions

Verified fees

Under review

Assets

$14.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$14.3M

Total deposits

$12.1M

Service charge income (year to date)

Fee income ratio

0.00%

Return on assets

-0.63%

Financial profile · Pro

Performance from regulator filings

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

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Based on 21,453 verified fees from 2,141 institutions

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