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

Healthcare First Credit Union

Johnstown, 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

Monthly Fee$4Within the typical range ($4–$10 nationally)

ATM & CardVerified

ATM Inquiry Fee per occurrence$0.35Below the typical range ($1–$2.25 nationally)
$1.15 below the national median$1.15 below the Pennsylvania median
per item · Source
Replacement Card$25Above the typical range ($5–$10 nationally)
$15 above the national median$15 above the Pennsylvania median
Source

Wire TransfersVerified

WIRES: Outgoing$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Pennsylvania median
Source
WIRES: Incoming$10Within the typical range ($5–$15 nationally)
At the national median$5 below the Pennsylvania median
Source
WIRES: International$40Within the typical range ($40–$50 nationally)
$10 below the national medianAt the Pennsylvania median
Source

Check ServicesVerified

Certified Check Fee$3Within the typical range ($3–$6 nationally)
$2 below the national median$2 below the Pennsylvania median
Source
Stop Payment ACH$25Within the typical range ($20–$30 nationally)
$2.50 below the national medianAt the Pennsylvania median
Source
Stop Payment Check / Series$22Within the typical range ($20–$30 nationally)
$5.50 below the national median$3 below the Pennsylvania median
Source
Check Cashing non member$3Below the typical range ($5–$10 nationally)
$2 below the national median$2 below the Pennsylvania median
Source
Photocopy of Check (per check) mailed/faxed$4Within the typical range ($2–$5 nationally)
$1 above the national median$1 above the Pennsylvania median
per item · Source
Photocopy of Check (per check) pick up$3Within the typical range ($2–$5 nationally)
At the national medianAt the Pennsylvania median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly Fee	$4Within the typical range ($4–$10 nationally)	$2 below the national median$1 below the Pennsylvania median	per month	—	Source
Overdraft & NSFVerified
NSF for ATM/Debit	$30Within the typical range ($25–$32 nationally)	At the national medianAt the Pennsylvania median	—	—	Source
ATM & CardVerified
ATM Inquiry Fee per occurrence	$0.35Below the typical range ($1–$2.25 nationally)	$1.15 below the national median$1.15 below the Pennsylvania median	per item	—	Source
Replacement Card	$25
Wire TransfersVerified
WIRES: Outgoing	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Pennsylvania median	—	—	Source
WIRES: Incoming	$10
Check ServicesVerified
Certified Check Fee	$3Within the typical range ($3–$6 nationally)	$2 below the national median$2 below the Pennsylvania median	—	—	Source
Stop Payment ACH	$25
Lending FeesVerified
Late Payment	$25Within the typical range ($10–$25 nationally)	$5 above the national median$5 above the Pennsylvania median	—	—	Source

Against Pennsylvania credit unions

Monthly maintenance
$4.00
Of 26 others that publish it, 14 lower and 12 higher.

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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.

NSF fee: $30

NSF fee is aligned with the national median

14 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$100.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$100.6M

Total deposits

$85.7M

Service charge income (year to date)

$305K

Fee income ratio

14.5%

Return on assets

0.94%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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

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