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

I.B.E.W. Local #146 Federal Credit Union

Decatur, IllinoisCredit UnionChicago Fed districtFees collected Oct 6, 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

Dormant monthly account fee (after 24 months dormant)$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Return ACH fee$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Illinois median
Source

Lending FeesVerified

Late payment fee$25Within the typical range ($10–$25 nationally)
$5 above the national median$5 above the Illinois median
Source

Other FeesVerified

Loan Refinance fee (within 18 months of initial loan)$50Within the typical range ($25–$100 nationally)
$12.50 above the national median$15 above the Illinois median
Source
Skip-a-Pay fee$25Within the typical range ($25–$100 nationally)
$12.50 below the national median$10 below the Illinois median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant monthly account fee (after 24 months dormant)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Illinois median	per month	—	Source
Overdraft & NSFVerified
Return ACH fee	$25Within the typical range ($25–$32 nationally)	$5 below the national median$5 below the Illinois median	—	—	Source
Lending FeesVerified
Late payment fee	$25Within the typical range ($10–$25 nationally)	$5 above the national median$5 above the Illinois median	—	—	Source
Other FeesVerified
Loan Refinance fee (within 18 months of initial loan)	$50Within the typical range ($25–$100 nationally)	$12.50 above the national median$15 above the Illinois median	—	—	Source
Skip-a-Pay fee	$25

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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: $25

17% below the national median NSF fee

5 verified fees collected

Headline fees published

1 of 15

Published fees

Under review

Assets

$5.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$5.0M

Total deposits

$4.3M

Service charge income (year to date)

$1K

Fee income ratio

0.89%

Return on assets

1.81%

Financial profile · Pro

Performance from regulator filings

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