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

Unite Federal Credit Union

Cedar Falls, IowaCredit UnionChicago Fed districtFees collected Apr 21, 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 Reconciliation/Research$20Within the typical range ($11–$25 nationally)

Overdraft & NSFVerified

Non-sufficient Funds ACH Item Paid$30Within the typical range ($25–$33 nationally)
At the national medianAt the Iowa median
Source
Non-sufficient Funds ACH Item Unpaid$30Within the typical range ($25–$32 nationally)
At the national median$1.50 above the Iowa median
Source

ATM & CardVerified

ATM Card Use$1.50Within the typical range ($1–$2.25 nationally)
At the national medianAt the Iowa median
Source

Gift & Prepaid CardsVerified

Visa Gift Card$2.50Below the typical range ($3–$4.95 nationally)
$1 below the national median$1.50 below the Iowa median
per item · Source
VISA Gift Card$3.50Within the typical range ($3–$4.95 nationally)
At the national median$0.50 below the Iowa median
per item · Institution’s schedule

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation/Research	$20Within the typical range ($11–$25 nationally)	$2.50 above the national medianAt the Iowa median	—	—	Source
Overdraft & NSFVerified
Non-sufficient Funds ACH Item Paid	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Iowa median	—	—	Source
Non-sufficient Funds ACH Item Unpaid	$30
ATM & CardVerified
ATM Card Use	$1.50Within the typical range ($1–$2.25 nationally)	At the national medianAt the Iowa median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card	$2.50Below the typical range ($3–$4.95 nationally)	$1 below the national median$1.50 below the Iowa median	per item	—	Source
VISA Gift Card	$3.50

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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

6 verified fees collected

Headline fees published

3 of 15

Published fees

Under review

Assets

$23.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$23.6M

Total deposits

$20.6M

Service charge income (year to date)

$32K

Fee income ratio

5.8%

Return on assets

-0.23%

Financial profile · Pro

Performance from regulator filings

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