Spojnia Federal Credit Union

Headquarters: Scranton, Pennsylvania
Charter: Credit Union
Assets: $14.3M
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

Overdraft (OD)
Spojnia Federal Credit Union: $20
Spojnia Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Spojnia Federal Credit Union: $20
Spojnia Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Spojnia Federal Credit Union: $20
Spojnia Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 Spojnia Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Fee$5
per month
Balancing account$20
Not compared: Charged per hour; comparison unavailable
per hour · Balancing account | $20.00 per hour. One hour minimum.

Overdraft & NSF

Overdraft fee$20
Nonsufficient funds – preauthorized withdrawal or share draft$20
per item

Wire Transfers

Wire transfer outgoing$20

Check Services

Stop payment - Cashier's Check$30
per item
Stop payment ACH payment$20
per item
Stop payment series of checks$10

Cash & Deposit

Returned deposited item$20
per item

Other Fees

Home Equity Loan Application Fee$500

Fee	Amount	Basis	Note
Account Maintenance
Dormant Fee	$5	per month	None
Balancing account	$20Not compared: Charged per hour; comparison unavailable	per hour	Balancing account \| $20.00 per hour. One hour minimum.
Overdraft & NSF
Overdraft fee	$20	Not stated	None
Nonsufficient funds – preauthorized withdrawal or share draft	$20	per item	None
Wire Transfers
Wire transfer outgoing	$20	Not stated	None
Check Services
Stop payment - Cashier's Check	$30	per item	None
Stop payment ACH payment	$20	per item	None
Stop payment series of checks	$10	Not stated	None
Cash & Deposit
Returned deposited item	$20	per item	None
Other Fees
Home Equity Loan Application Fee	$500	Not stated	None

Correct a fee source

Oct 26, 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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