Universal 1 Federal Credit Union

Headquarters: Dayton, Ohio
Charter: Credit Union
Assets: $424.7M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $10, the middle of its prices
Universal 1 Federal Credit Union: $3 to $15
Universal 1 Federal Credit Union: $3 to $15
U.S. median: no median
Overdraft (OD)
Universal 1 Federal Credit Union: $30
Universal 1 Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Universal 1 Federal Credit Union: $30
Universal 1 Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

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.

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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 Universal 1 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Freedom Express Checking Monthly fee$15
per month
Signature Service Charge, per Month$3
per month
Universal Freedom 500 Checking Service Charge, per month$10
per month
Signature Service Charge, per Month, if aggregate daily balance falls below $300$3
per month
Main Account Closed, if closed within 6 months of opening$15
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
Account Research / Reconciliation (per hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Money Market Account Excessive Withdrawal, per withdrawal$5
per item
Returned Statement for Invalid Address$5

Overdraft & NSF

Paid NSF – ATM/Debit POS$30
Paid NSF (per presentment)$30
per item
NSF/UCF (per presentment)$30
per item
Returned ACH Debit (per presentment)$30
per item
Overdraft Transfer (per transfer)$5
per item

ATM & Card

ATM Network Fee$1.50
ATM / VDC Replacement$10

Wire Transfers

Wire Transfer Domestic (per transfer)$20
per item
Incoming Wire Fee$10
Wire Transfer International (per transfer)$40
per item

Check Services

Cashier’s Check (per item) – 2nd Party$5
per item
Money Order (per item)$2
per item
Stop Payment (per request)$30
per item
Stop Payment (per request)No charge
Starter Checks per 8No charge
Non-member Check Cashing Fee$5
Cashier’s Check Photocopy (per item)$8
per item
Check Photocopy (per item)$5
per item
Copy of Deposited Check (per item)$5
per item
Debit Card Draft CopyNo charge

Cash & Deposit

Coin MachineNo charge
Returned Deposited Item (per item)$30
per item

Account Services

10 x 10 Safe Deposit Box$100
10 x 3 Safe Deposit Box$45
10 x 6 Safe Deposit Box$65
5 x 1.5 Safe Deposit Box$20
5 x 2.5 Safe Deposit Box$25
Drilling of Boxes$150
Not compared: Box drilling or key fee
Levies and Garnishments$25

Retirement & IRA

IRA /HSA Account Closed, if closed within 6 months of opening$15

Other Fees

Interim Statements$2
Statement Copy (per statement)$5

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

Correct a fee source

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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