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, under $300M

Spojnia Federal Credit Union

Scranton, PennsylvaniaCredit UnionPhiladelphia Fed districtFees collected Oct 4, 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

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

Overdraft & NSFVerified

Overdraft fee$20Below the typical range ($25–$33 nationally)
$10 below the national median$10 below the Pennsylvania median
Source
Nonsufficient funds – preauthorized withdrawal or share draft$20Below the typical range ($25–$32 nationally)
$10 below the national median$10 below the Pennsylvania median
per item · Source

Wire TransfersVerified

Wire transfer outgoing$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Pennsylvania median
Source

Check ServicesVerified

Stop payment ACH payment$20Within the typical range ($20–$30 nationally)
$7.50 below the national median$5 below the Pennsylvania median
per item · Source
Stop payment series of checks$10Below the typical range ($20–$30 nationally)
$17.50 below the national median$15 below the Pennsylvania median
Source

Cash & DepositVerified

Returned deposited item$20Within the typical range ($8–$25 nationally)
$5 above the national medianAt the Pennsylvania median
per item · Source

Other FeesVerified

Home Equity Loan Application Fee$500Above the typical range ($25–$100 nationally)
$462.50 above the national median$450 above the Pennsylvania median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Pennsylvania median	per month	—	Source
Overdraft & NSFVerified
Overdraft fee	$20Below the typical range ($25–$33 nationally)	$10 below the national median$10 below the Pennsylvania median	—	—	Source
Nonsufficient funds – preauthorized withdrawal or share draft	$20
Wire TransfersVerified
Wire transfer outgoing	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Pennsylvania median	—	—	Source
Check ServicesVerified
Stop payment ACH payment	$20Within the typical range ($20–$30 nationally)	$7.50 below the national median$5 below the Pennsylvania median	per item	—	Source
Stop payment series of checks	$10
Cash & DepositVerified
Returned deposited item	$20Within the typical range ($8–$25 nationally)	$5 above the national medianAt the Pennsylvania median	per item	—	Source
Other FeesVerified
Home Equity Loan Application Fee	$500Above the typical range ($25–$100 nationally)	$462.50 above the national median$450 above the Pennsylvania median	—	—	Source

Fee change alerts

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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

33% below the national median overdraft fee

8 verified fees collected

Headline fees published

5 of 15

Published 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

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Based on 66,804 published fee entries from 3,618 institutions

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