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

Bay Area Federal Credit Union

Oregon, OhioCredit UnionCleveland Fed districtFees collected Feb 17, 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/Reconciliaon (per hour/1hr min.)$25Within the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=account_research; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Account Research/Reconciliaon (per hour/1hr min.).................25.00" · Source

Overdraft & NSFVerified

Courtesy Pay$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=overdraft; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Courtesy Pay .................................................................................30.00" · Source
Non-Sufficient Funds (NSF)$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=nsf; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Non-Sufficient Funds (NSF)...........................................................30.00" · Source

ATM & CardVerified

BACU ATM$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #6266. canonical_hint=atm_non_network; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="MasterCard Debit Card Withdrawals at BACU ATM.......................FREE" · Source
Debit Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=card_replacement; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Debit Card Replacement Fee.........................................................10.00" · Source
PIN Replacement/Reacvaon Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=card_replacement; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="PIN Replacement/Reacvaon Fee.................................................5.00" · Source

Wire TransfersVerified

Wire Transfer Outgoing (Domesc)$25Within the typical range ($20–$25 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=wire_domestic_outgoing; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Wire Transfer Outgoing (Domesc)...............................................25.00" · Source
Wire Transfer Outgoing (Internaonal)$50Above the typical range ($20–$25 nationally)
$28 above the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=wire_domestic_outgoing; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Wire Transfer Outgoing (Internaonal).........................................50.00" · Source

Check ServicesVerified

ACH Stop Payment$30Within the typical range ($20–$30 nationally)
$4.50 above the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=stop_payment; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="ACH Stop Payment........................................................................30.00" · Source
Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=check_image; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Check Copy......................................................................................5.00" · Source
Money Orders$2Within the typical range ($1.75–$3 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=money_order; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Money Orders.................................................................................2.00" · Source
Official Checks$2Below the typical range ($3–$6 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=cashiers_check; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Official Checks.................................................................................2.00" · Source

Cash & DepositVerified

Deposit Item Returned$20Within the typical range ($10–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=deposited_item_return; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Deposit Item Returned..................................................................20.00" · Source

Account ServicesVerified

Drilling of Safe Deposit Box$225Above the typical range ($25–$77.50 nationally)
$180 above the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=safe_deposit_box; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Drilling of Safe Deposit Box......................................................225.00" · Source
Legal Process$50Within the typical range ($30–$131.13 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=legal_process; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Legal Process ................................................................................50.00" · Source
Lost Key$25Within the typical range ($25–$77.50 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=safe_deposit_box; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Lost Key......................................................................................25.00" · Source
Notary Fee (per signature)$2Within the typical range ($0–$5 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=notary_fee; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Notary Fee (per signature)..............................................................2.00" · Source

Other FeesVerified

Statement Copy (per page)$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=document_reproduction; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Statement Copy (per page).............................................................1.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/Reconciliaon (per hour/1hr min.)	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=account_research; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Account Research/Reconciliaon (per hour/1hr min.).................25.00"	Source
Overdraft & NSFVerified
Courtesy Pay	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=overdraft; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Courtesy Pay .................................................................................30.00"	Source
Non-Sufficient Funds (NSF)
ATM & CardVerified
BACU ATM	$0Below the typical range ($1–$2.50 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #6266. canonical_hint=atm_non_network; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="MasterCard Debit Card Withdrawals at BACU ATM.......................FREE"	Source
Debit Card Replacement Fee
Wire TransfersVerified
Wire Transfer Outgoing (Domesc)	$25Within the typical range ($20–$25 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=wire_domestic_outgoing; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Wire Transfer Outgoing (Domesc)...............................................25.00"	Source

Check ServicesVerified
ACH Stop Payment	$30Within the typical range ($20–$30 nationally)	$4.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=stop_payment; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="ACH Stop Payment........................................................................30.00"	Source
Check Copy
Cash & DepositVerified
Deposit Item Returned	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=deposited_item_return; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Deposit Item Returned..................................................................20.00"	Source
Account ServicesVerified
Drilling of Safe Deposit Box	$225Above the typical range ($25–$77.50 nationally)	$180 above the national median	—	Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=safe_deposit_box; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Drilling of Safe Deposit Box......................................................225.00"	Source

Other FeesVerified
Statement Copy (per page)	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #6266. canonical_hint=document_reproduction; text_hash=4ef7b354c1860b606e3a5e30c53848da28f98d53c0189fe131c04584cb98c3cb; excerpt="Statement Copy (per page).............................................................1.00"	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 18 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$107.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$107.9M

Total deposits

$93.8M

Service charge income (year to date)

$272K

Fee income ratio

8.2%

Return on assets

0.69%

Financial profile · Pro

Performance from regulator filings

Wire Transfer Outgoing (Internaonal)

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

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 28,880 verified fees from 2,290 institutions

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