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

Wnc Community Cu Federal Credit Union

Waynesville, North CarolinaCredit UnionRichmond 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

Overdraft & NSFVerified

Loan advances from approved overdraft protection in increments of$50Above the typical range ($25–$32 nationally)

Overdraft from Shares (per overdraft) (No more than three per calendar month - see Regulation D)$3

$2 below the national median

Source

Returned Items due to Non-Sufficient Funds (NSF) - per item$25

$5 below the national median

per item · Source

Check ServicesVerified

Copy of a Share Draft (per copy, 2-3 days)$1Below the typical range ($2–$5 nationally)
$2 below the national median
Source
Copy of a Share Draft (per copy, same day)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Stop Payment (per check or range of checks)$15Below the typical range ($20–$30 nationally)
$11 below the national median
per item · Source

Cash & DepositVerified

Deposited Items Returned - per item$15Within the typical range ($10–$25 nationally)
At the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Loan advances from approved overdraft protection in increments of	$50Above the typical range ($25–$32 nationally)	$20 above the national median	—	—	Source
Overdraft from Shares (per overdraft) (No more than three per calendar month - see Regulation D)	$3Within the typical range ($3–$5 nationally)	$2 below the national median	—	—	Source
Returned Items due to Non-Sufficient Funds (NSF) - per item	$25Within the typical range ($25–$31.50 nationally)	$5 below the national median	per item	—	Source
Check ServicesVerified
Copy of a Share Draft (per copy, 2-3 days)	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source
Copy of a Share Draft (per copy, same day)	$5
Cash & DepositVerified
Deposited Items Returned - per item	$15Within the typical range ($10–$25 nationally)	At the national median	per 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 fee: $3

90% below the national median overdraft fee

Total fees: 7 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$96.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$96.0M

Total deposits

$78.9M

Service charge income (year to date)

$117K

Fee income ratio

5.3%

Return on assets

0.70%

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 37,727 published fee entries from 2,634 institutions

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