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

Service Plus Federal Credit Union

Moline, IllinoisCredit UnionChicago Fed districtFees collected Feb 17, 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 90 Days of Opening$25Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=early_closure; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Account Closed within 90 Days of Opening | $25.00" · Source

Account Research$25

At the national median

Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=account_research; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Account Research | $25.00 / Hour" · Source

Inactive Relationship Fee$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=dormant_account; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Inactive Relationship Fee | $5.00 per month after 12 months no activity. Does not apply to under age 18" · Source

Returned Mail (SPCU not notified)$5

$20 below the national median

Overdraft & NSFVerified

Nonsufficient Funds Item (each)$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=nsf; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Nonsufficient Funds Item (each) | $30.00 per Item" · Source
Overdraft (each item)$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=overdraft; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Overdraft (each item) | $30.00 per Item" · Source

ATM & CardVerified

Non-Service Plus ATM$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=atm_non_network; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Non-Service Plus ATM | $ 1.00 / every transaction after 4th 4 free withdrawals/inquiries per month" · Source
Service Plus ATM Debit Card Replacement$0Below the typical range ($5–$10 nationally)
$10 below the national median
Knox read a free fee from Rosetta artifact #5925. canonical_hint=card_replacement; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Service Plus ATM Debit Card Replacement | No Charge / Unlimited Withdrawals" · Source

Wire TransfersVerified

Domestic Wire Transfer - Outgoing$25Within the typical range ($20–$25 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=wire_domestic_outgoing; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Domestic Wire Transfer - Outgoing | $25.00" · Source
Incoming Wire$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=wire_domestic_incoming; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Incoming Wire | $10.00" · Source

Check ServicesVerified

Copy of Check$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=check_image; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Copy of Check | $ 2.00 / Item" · Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$0.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=stop_payment; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Stop Payment | $25.00 / Item" · Source

Digital & ElectronicVerified

NSF checks re-presented via ACH returned unpaid$30Within the typical range ($15–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=ach_return; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="NSF checks re-presented via ACH returned unpaid | $30.00" · Source

Cash & DepositVerified

Deposited Checks Returned Unpaid$20Within the typical range ($10–$25 nationally)
$5 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=deposited_item_return; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Deposited Checks Returned Unpaid | $20.00 / Item" · Source

Gift & Prepaid CardsVerified

Pre-Paid Cards (Travel Debit & Gift Card)$5Above the typical range ($3–$4.50 nationally)
$1.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=gift_card_purchase; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Pre-Paid Cards (Travel Debit & Gift Card) | $ 5.00 / Item" · Source

Other FeesVerified

Copy of Statement$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=document_reproduction; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Copy of Statement | $ 2.00 / Item" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed within 90 Days of Opening	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=early_closure; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Account Closed within 90 Days of Opening \| $25.00"	Source
Account Research	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=account_research; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Account Research \| $25.00 / Hour"	Source
Inactive Relationship Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=dormant_account; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Inactive Relationship Fee \| $5.00 per month after 12 months no activity. Does not apply to under age 18"	Source
Returned Mail (SPCU not notified)	$5Below the typical range ($17.50–$25 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=account_research; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Returned Mail (SPCU not notified) \| $ 5.00"	Source
Overdraft & NSFVerified
Nonsufficient Funds Item (each)	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=nsf; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Nonsufficient Funds Item (each) \| $30.00 per Item"	Source
Overdraft (each item)
ATM & CardVerified
Non-Service Plus ATM	$1Within the typical range ($1–$2.50 nationally)	$0.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=atm_non_network; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Non-Service Plus ATM \| $ 1.00 / every transaction after 4th 4 free withdrawals/inquiries per month"	Source
Service Plus ATM Debit Card Replacement
Wire TransfersVerified
Domestic Wire Transfer - Outgoing	$25Within the typical range ($20–$25 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=wire_domestic_outgoing; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Domestic Wire Transfer - Outgoing \| $25.00"	Source
Incoming Wire
Check ServicesVerified
Copy of Check	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=check_image; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Copy of Check \| $ 2.00 / Item"	Source
Stop Payment	$25
Digital & ElectronicVerified
NSF checks re-presented via ACH returned unpaid	$30Within the typical range ($15–$30 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=ach_return; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="NSF checks re-presented via ACH returned unpaid \| $30.00"	Source
Cash & DepositVerified
Deposited Checks Returned Unpaid	$20Within the typical range ($10–$25 nationally)	$5 above the national median	per item	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=deposited_item_return; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Deposited Checks Returned Unpaid \| $20.00 / Item"	Source
Gift & Prepaid CardsVerified
Pre-Paid Cards (Travel Debit & Gift Card)	$5Above the typical range ($3–$4.50 nationally)	$1.50 above the national median	per item	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=gift_card_purchase; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Pre-Paid Cards (Travel Debit & Gift Card) \| $ 5.00 / Item"	Source
Other FeesVerified
Copy of Statement	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	Knox deterministic extraction from Rosetta artifact #5925. canonical_hint=document_reproduction; text_hash=24b12aae95e873f1f8b58d55fb4ff742a4c50060cf016837d43b6a4168e56d58; excerpt="Copy of Statement \| $ 2.00 / Item"	Source

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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

Total fees: 16 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$34.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$34.7M

Total deposits

$30.4M

Service charge income (year to date)

$79K

Fee income ratio

9.6%

Return on assets

1.12%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 28,880 verified fees from 2,290 institutions

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