26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 21, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Universal 1 Federal Credit Union · $425M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Universal 1 Federal Credit Union(this institution) | Dayton, OH | $425M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Community Federal Credit Union | San Angelo, TX | $422M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Acadia Federal Credit Union | Fort Kent, ME | $413M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Alcoa Tenn Federal Credit Union | Alcoa, TN | $427M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Federal Credit Union | Garland, TX | $428M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Carolina Trust Federal Credit Union | Myrtle Beach, SC | $422M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cdc Federal Credit Union | Atlanta, GA | $414M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Chessie Federal Credit Union | Cumberland, MD | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coosa Pines Federal Credit Union | Childersburg, AL | $421M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cport Federal Credit Union | Portland, ME | $435M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Essential Federal Credit Union | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glendale Area Schools Federal Credit Union | Glendale, CA | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| High Point Federal Credit Union | Olean, NY | $430M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersfirst Federal Credit Union | Decatur, GA | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mocse Federal Credit Union | Modesto, CA | $426M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Platinum Federal Credit Union | Duluth, GA | $413M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Public Employees Federal Credit Union | Austin, TX | $431M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rocky Mountain Federal Credit Union | Helena, MT | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Signature Federal Credit Union | Alexandria, VA | $421M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Streator Onized Federal Credit Union | Streator, IL | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Telco Community Credit Union | Candler, NC | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian Federal Credit Union | Rochester, NY | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its three prices, against a peer median of $4.98 among 8 publishing peers.
Its three checking prices are $3, $10 and $15.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Amounts from Universal 1 Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
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per month
per hour
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per item
per item
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Freedom Express Checking Monthly fee | $15 | per month | None |
| Signature Service Charge, per Month | $3 | per month | None |
| Universal Freedom 500 Checking Service Charge, per month | $10 | per month | None |
| Signature Service Charge, per Month, if aggregate daily balance falls below $300 | $3 | per month | None |
| Main Account Closed, if closed within 6 months of opening | $15 | Not stated | None |
| Inactive Account, per month, per suffix, on account balances of $50.00 or less, after 12 months of inactivity on all accounts | $5 | per month | None |
| Account Research / Reconciliation (per hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Money Market Account Excessive Withdrawal, per withdrawal | $5 | per item | None |
| Returned Statement for Invalid Address | $5 | Not stated | None |
Overdraft & NSF | |||
| Paid NSF – ATM/Debit POS | $30 | Not stated | None |
| Paid NSF (per presentment) | $30 | per item | None |
| NSF/UCF (per presentment) | $30 | per item | None |
| Returned ACH Debit (per presentment) | $30 | per item | None |
| Overdraft Transfer (per transfer) | $5 | per item | None |
ATM & Card | |||
| ATM Network Fee | $1.50 | Not stated | None |
| ATM / VDC Replacement | $10 | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic (per transfer) | $20 | per item | None |
| Incoming Wire Fee | $10 | Not stated | None |
| Wire Transfer International (per transfer) | $40 | per item | None |
Check Services | |||
| Cashier’s Check (per item) – 2nd Party | $5 | per item | None |
| Money Order (per item) | $2 | per item | None |
| Stop Payment (per request) | $30 | per item | None |
| Stop Payment (per request) | No charge | Not stated | None |
| Starter Checks per 8 | No charge | Not stated | None |
| Non-member Check Cashing Fee | $5 | Not stated | None |
| Cashier’s Check Photocopy (per item) | $8 | per item | None |
| Check Photocopy (per item) | $5 | per item | None |
| Copy of Deposited Check (per item) | $5 | per item | None |
| Debit Card Draft Copy | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Machine | No charge | Not stated | None |
| Returned Deposited Item (per item) | $30 | per item | None |
Account Services | |||
| 10 x 10 Safe Deposit Box | $100 | Not stated | None |
| 10 x 3 Safe Deposit Box | $45 | Not stated | None |
| 10 x 6 Safe Deposit Box | $65 | Not stated | None |
| 5 x 1.5 Safe Deposit Box | $20 | Not stated | None |
| 5 x 2.5 Safe Deposit Box | $25 | Not stated | None |
| Drilling of Boxes | $150Not compared: Box drilling or key fee | Not stated | None |
| Levies and Garnishments | $25 | Not stated | None |
Retirement & IRA | |||
| IRA /HSA Account Closed, if closed within 6 months of opening | $15 | Not stated | None |
Other Fees | |||
| Interim Statements | $2 | Not stated | None |
| Statement Copy (per statement) | $5 | Not stated | None |
Oct 21, 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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