Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Credit Union of Richmond Incorporat

Richmond, VirginiaCredit UnionRichmond Fed districtFees collected Apr 20, 2026Financials Q2 2026

Website

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

otherwise, monthly fee)$4Below the typical range ($5–$17.50 nationally)

Overdraft & NSFVerified

For an overdraft amount of$5Below the typical range ($7.81–$30 nationally)
$17.50 below the national median
Knox deterministic extraction from Rosetta artifact #897. canonical_hint=overdraft; text_hash=f135f181e7b04bf6f84f41f607f5eff06c859853ce929aa19f964eac37d38103; excerpt="For an overdraft amount of $5.00 to $9.99, the fee is $10.00" · Source

Account ServicesVerified

/ Money Orders – Members Money Orders – Non-Members Notary Service – Members (for CU Richmond docs$5Within the typical range ($0–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #897. canonical_hint=notary_fee; text_hash=f135f181e7b04bf6f84f41f607f5eff06c859853ce929aa19f964eac37d38103; excerpt="$5.00/ $3.00 Money Orders – Members $3.00 Money Orders – Non-Members $4.00 Notary Service – Members (for CU Richmond docs" · Source
over K) / / Verification of Deposits/Loans Legal (Subpoena/Research per hour) Express Mail (Fed-Ex$25Within the typical range ($25–$100 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #897. canonical_hint=legal_process; text_hash=f135f181e7b04bf6f84f41f607f5eff06c859853ce929aa19f964eac37d38103; excerpt="$25 over $20K) $10.00/ $15.00/ $25.00 Verification of Deposits/Loans $25.00 Legal (Subpoena/Research per hour) $25.00 Express Mail (Fed-Ex" · Source
USPS) At Cost MoneyGram/Western Union Quick Cash$25Within the typical range ($20–$92.36 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #897. canonical_hint=safe_deposit_box; text_hash=f135f181e7b04bf6f84f41f607f5eff06c859853ce929aa19f964eac37d38103; excerpt="USPS) At Cost MoneyGram/Western Union Quick Cash $25.00 MoneyGram/Western Union Quick Cash with Message $30.00 Travel Card Issuance/Reload Fee $6.95/ $4.95 Gift Cards $4.00 Safe De" · Source

Lending FeesVerified

Refunded if loan approved)$25Within the typical range ($15–$28.38 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #897. canonical_hint=late_payment; text_hash=f135f181e7b04bf6f84f41f607f5eff06c859853ce929aa19f964eac37d38103; excerpt="Refunded if loan approved) $25.00 Consumer Loan Late Fee 5% of payment" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
otherwise, monthly fee)	$4Below the typical range ($5–$17.50 nationally)	$4.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #897. canonical_hint=monthly_maintenance; text_hash=f135f181e7b04bf6f84f41f607f5eff06c859853ce929aa19f964eac37d38103; excerpt="otherwise, monthly fee) $4.00 Large Cash Withdrawal Fee (Money has to be ordered"	Source
Overdraft & NSFVerified
For an overdraft amount of	$5Below the typical range ($7.81–$30 nationally)	$17.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #897. canonical_hint=overdraft; text_hash=f135f181e7b04bf6f84f41f607f5eff06c859853ce929aa19f964eac37d38103; excerpt="For an overdraft amount of $5.00 to $9.99, the fee is $10.00"	Source
Account ServicesVerified
/ Money Orders – Members Money Orders – Non-Members Notary Service – Members (for CU Richmond docs	$5Within the typical range ($0–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #897. canonical_hint=notary_fee; text_hash=f135f181e7b04bf6f84f41f607f5eff06c859853ce929aa19f964eac37d38103; excerpt="$5.00/ $3.00 Money Orders – Members $3.00 Money Orders – Non-Members $4.00 Notary Service – Members (for CU Richmond docs"	Source

Lending FeesVerified
Refunded if loan approved)	$25Within the typical range ($15–$28.38 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #897. canonical_hint=late_payment; text_hash=f135f181e7b04bf6f84f41f607f5eff06c859853ce929aa19f964eac37d38103; excerpt="Refunded if loan approved) $25.00 Consumer Loan Late Fee 5% of payment"	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

Overdraft fee: $5

78% below the national median overdraft fee

Total fees: 6 — leaner than most institutions

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$64.6M

Total deposits

$53.7M

Service charge income (year to date)

$291K

Fee income ratio

16.0%

Return on assets

1.13%

Financial profile · Pro

Credit Union of Richmond Incorporat

Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

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