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

Hidden River Federal Credit Union

Pottsville, PennsylvaniaCredit UnionPhiladelphia Fed districtFees collected Oct 3, 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 Closed Within 30 Days of Opening$5Below the typical range ($10–$25 nationally)

$12.50 below the national median$5 below the Pennsylvania median

Inactive Debit Card Fee (no card activity for three consecutive months)$1

$4 below the national median$4 below the Pennsylvania median

per month · Source

Inactive or Dormant Account Fee (over 2 years)$5

At the national medianAt the Pennsylvania median

per month · Source

Signature/Personal Line of Credit (inactive for 12 months)$20

$15 above the national median$15 above the Pennsylvania median

per year · Source

Statement and Account Reconciliation/Research Fee$35

$17.50 above the national median$17.50 above the Pennsylvania median

Source

Overdraft & NSFVerified

Overdraft Advance Fee$35Above the typical range ($25–$33 nationally)
$5 above the national median$5 above the Pennsylvania median
per item · Source
Insufficient Funds Return$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Pennsylvania median
Source

ATM & CardVerified

New ATM/Debit Card Application Fee$0Below the typical range ($1–$2.25 nationally)
$1.50 below the national median$1.50 below the Pennsylvania median
Source
Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national medianAt the Pennsylvania median
per item · Source

Wire TransfersVerified

Domestic Wire Transfer (outgoing)$25Within the typical range ($20–$25 nationally)
At the national medianAt the Pennsylvania median
per item · Source
Domestic Wire Transfer (incoming)$10Within the typical range ($5–$15 nationally)
At the national median$5 below the Pennsylvania median
per item · Source

Check ServicesVerified

ACH Stop Payments$20Within the typical range ($20–$30 nationally)
$7.50 below the national median$5 below the Pennsylvania median
per item · Source
Copies of Checks Deposited$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Pennsylvania median
per item · Source

Digital & ElectronicVerified

ACH Items for Immediate Return Due to Insufficient Funds$35Above the typical range ($15–$30 nationally)
$10 above the national median$5 above the Pennsylvania median
per item · Source

Cash & DepositVerified

Cash Advance (in person) – Non HRCU Debit/Credit Card$5Within the typical range ($2–$10 nationally)
At the national medianAt the Pennsylvania median
per item · Source

Account ServicesVerified

Notary$0Within the typical range ($0–$5 nationally)
$2.50 below the national medianAt the Pennsylvania median
Source
Drill Box$250Above the typical range ($30–$70 nationally)
$205 above the national median$195.30 above the Pennsylvania median
Source
One Lost Key$20Below the typical range ($30–$70 nationally)
$25 below the national median$34.70 below the Pennsylvania median
Source
Processing of Legal Documents (IRS levy, garnishment, etc.)$50Within the typical range ($30–$90 nationally)
At the national median$50 below the Pennsylvania median
Source

Lending FeesVerified

Late Fee (31 or more days late)$25Within the typical range ($10–$25 nationally)
$5 above the national median$5 above the Pennsylvania median
per item · Source

Retirement & IRAVerified

IRA Account Closing Fee$20Below the typical range ($25–$35 nationally)
$5 below the national median$5 below the Pennsylvania median
Source
IRA Transfer (any type) to Another Financial Institution$30Within the typical range ($25–$35 nationally)
$5 above the national median$5 above the Pennsylvania median
Source

Other FeesVerified

Duplicate Account Statement Copies$8Above the typical range ($2–$5 nationally)
$5 above the national median$5 above the Pennsylvania median
per month · Source
Statement Copies for Each Interim Account Statement Printout$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Pennsylvania median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Closed Within 30 Days of Opening	$5Below the typical range ($10–$25 nationally)	$12.50 below the national median$5 below the Pennsylvania median	—	—	Source
Inactive Debit Card Fee (no card activity for three consecutive months)	$1Below the typical range ($5–$10 nationally)	$4 below the national median$4 below the Pennsylvania median	per month	—	Source
Inactive or Dormant Account Fee (over 2 years)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Pennsylvania median	per month	—	Source
Signature/Personal Line of Credit (inactive for 12 months)	$20Above the typical range ($5–$10 nationally)	$15 above the national median$15 above the Pennsylvania median	per year	—	Source
Statement and Account Reconciliation/Research Fee	$35Above the typical range ($11.38–$25 nationally)	$17.50 above the national median$17.50 above the Pennsylvania median	—	—	Source
Overdraft & NSFVerified
Overdraft Advance Fee	$35Above the typical range ($25–$33 nationally)	$5 above the national median$5 above the Pennsylvania median	per item	—	Source
Insufficient Funds Return	$35
ATM & CardVerified
New ATM/Debit Card Application Fee	$0Below the typical range ($1–$2.25 nationally)	$1.50 below the national median$1.50 below the Pennsylvania median	—	—	Source
Card Replacement Fee	$10
Wire TransfersVerified
Domestic Wire Transfer (outgoing)	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Pennsylvania median	per item	—	Source
Domestic Wire Transfer (incoming)	$10
Check ServicesVerified
ACH Stop Payments	$20Within the typical range ($20–$30 nationally)	$7.50 below the national median$5 below the Pennsylvania median	per item	—	Source
Copies of Checks Deposited	$5
Digital & ElectronicVerified
ACH Items for Immediate Return Due to Insufficient Funds	$35Above the typical range ($15–$30 nationally)	$10 above the national median$5 above the Pennsylvania median	per item	—	Source
Cash & DepositVerified
Cash Advance (in person) – Non HRCU Debit/Credit Card	$5Within the typical range ($2–$10 nationally)	At the national medianAt the Pennsylvania median	per item	—	Source
Account ServicesVerified
Notary	$0Within the typical range ($0–$5 nationally)	$2.50 below the national medianAt the Pennsylvania median	—	—	Source
Drill Box	$250
Lending FeesVerified
Late Fee (31 or more days late)	$25Within the typical range ($10–$25 nationally)	$5 above the national median$5 above the Pennsylvania median	per item	—	Source
Retirement & IRAVerified
IRA Account Closing Fee	$20Below the typical range ($25–$35 nationally)	$5 below the national median$5 below the Pennsylvania median	—	—	Source
IRA Transfer (any type) to Another Financial Institution	$30
Other FeesVerified
Duplicate Account Statement Copies	$8Above the typical range ($2–$5 nationally)	$5 above the national median$5 above the Pennsylvania median	per month	—	Source
Statement Copies for Each Interim Account Statement Printout	$5

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

$35

Overdraft fee: $35

17% above the national median overdraft fee

24 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$258.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$258.8M

Total deposits

$234.7M

Service charge income (year to date)

$271K

Fee income ratio

4.3%

Return on assets

1.14%

Financial profile · Pro

Performance from regulator filings

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Based on 65,783 published fee entries from 3,612 institutions

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