Utilities Employees Federal Credit Union

Headquarters: Reading, Pennsylvania
Charter: Credit Union
Assets: $1.5B
Fed district: Philadelphia

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

Source: its fee schedule, read Oct 25, 2026.

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Fees against the market

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

Monthly Maintenance
Can be waived with a minimum balance of $2,500 or more.
Utilities Employees Federal Credit Union: $12
Utilities Employees Federal Credit Union: $12
U.S. median: no median
Overdraft (OD)
Utilities Employees Federal Credit Union: $28
Utilities Employees Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Utilities Employees Federal Credit Union: $28
Utilities Employees Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 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 Utilities Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee$12
per month
Monthly minimum balance fee$10
per month
Account Forfeiture Fee$5
Unclaimed Funds$20
Dormant Account$15
Not compared: Quarterly charge, not monthly
per quarter
Escheat$100
Research Fee (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee (1 hour minimum) | $25.00 per hour
Unlocated Member (bad address)$10

Overdraft & NSF

Overdraft (check, debit item, ACH, or other electronic debit)$28
per item
Non- Sufficient Funds (NSF) (check, debit item, ACH, or other electronic debit)$28
per item

ATM & Card

Replacement Card Fee (per card)$5
per item
Expedited Card Delivery (per card)$32
per item

Wire Transfers

Incoming Wire Transfer Service$5
per item

Check Services

Cashier's Check$20
Treasurer’s Check$5
per item
Temporary Checks (set of 4)$2
Foreign Check Deposit$15
per item
Copy of Member Check$2
per item
Copy of Withdrawal Check or Treasurer’s Check$10
per item

Cash & Deposit

Returned Deposited Item (check, ACH)$15
per item

Account Services

Levy, Attachment, Garnishment, Writ, or Other Legal Process$75
Written Verification of Deposit/Account Balance$5
per item

Retirement & IRA

IRA/HSA Direct Transfer$15
per item

Other Fees

Replacement Copy of Statement$5
per item
Payoff Request (faxed or mailed)$30
per item
Satisfaction of Mortgage Fee$35
per item
Skip-A-Pay$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$12	per month	None
Monthly minimum balance fee	$10	per month	None
Account Forfeiture Fee	$5	Not stated	None
Unclaimed Funds	$20	Not stated	None
Dormant Account	$15Not compared: Quarterly charge, not monthly	per quarter	None
Escheat	$100	Not stated	None
Research Fee (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Fee (1 hour minimum) \| $25.00 per hour
Unlocated Member (bad address)	$10	Not stated	None
Overdraft & NSF
Overdraft (check, debit item, ACH, or other electronic debit)	$28	per item	None
Non- Sufficient Funds (NSF) (check, debit item, ACH, or other electronic debit)	$28	per item	None
ATM & Card
Replacement Card Fee (per card)	$5	per item	None
Expedited Card Delivery (per card)	$32	per item	None
Wire Transfers
Incoming Wire Transfer Service	$5	per item	None
Check Services
Cashier's Check	$20	Not stated	None
Treasurer’s Check	$5	per item	None
Temporary Checks (set of 4)	$2	Not stated	None
Foreign Check Deposit	$15	per item	None
Copy of Member Check	$2	per item	None
Copy of Withdrawal Check or Treasurer’s Check	$10	per item	None
Cash & Deposit
Returned Deposited Item (check, ACH)	$15	per item	None
Account Services
Levy, Attachment, Garnishment, Writ, or Other Legal Process	$75	Not stated	None
Written Verification of Deposit/Account Balance	$5	per item	None
Retirement & IRA
IRA/HSA Direct Transfer	$15	per item	None
Other Fees
Replacement Copy of Statement	$5	per item	None
Payoff Request (faxed or mailed)	$30	per item	None
Satisfaction of Mortgage Fee	$35	per item	None
Skip-A-Pay	$35	per item	None

Correct a fee source

Oct 25, 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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