Verified

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

Community credit union, $300M to $1B

Beacon Credit Union, Incorporated

Lynchburg, VirginiaCredit UnionRichmond Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Early Closing Fee (When account is closed within first 6 months)$5Below the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=early_closure; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Early Closing Fee (When account is closed within first 6 months).......... $5.00" · Source

Inactive Account Fee (12 month no activity)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=dormant_account; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Inactive Account Fee (12 month no activity) .................................................. $5.00 per month (Excludes Kirby accounts)" · Source

Overdraft & NSFVerified

de Minimis Overdraft Fee$10Below the typical range ($20–$30 nationally)
$18 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=overdraft; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="de Minimis Overdraft Fee.........................................................................................$10.00 per item" · Source
Insufficient Funds (NSF) (excludes Budget Checking)$40Above the typical range ($25–$32 nationally)
$11 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=nsf; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Insufficient Funds (NSF) (excludes Budget Checking)................................... $40.00 per item" · Source
Overdraft Priviledge Fee$35Above the typical range ($20–$30 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=overdraft; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Overdraft Priviledge Fee .......................................................................................... $35.00" · Source

ATM & CardVerified

Foreign ATM Transactions$3.50Above the typical range ($1–$3 nationally)
$2 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=atm_non_network; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Foreign ATM Transactions ...................................................................................... $3.50 per transaction" · Source
Non-proprietary ATM Withdrawal/ Transfer$1.50Within the typical range ($1–$3 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=atm_non_network; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Non-proprietary ATM Withdrawal/ Transfer...................................................... $1.50 per transaction" · Source
Replacement Card$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=card_replacement; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Replacement Card...................................................................................................... $5.00" · Source

Check ServicesVerified

Check Cashing$5Within the typical range ($5–$10 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=check_cashing; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Check Cashing ............................................................................................................ $5.00 per check" · Source
Check Copy$1Below the typical range ($2–$5 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=check_image; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Check Copy................................................................................................................... $1.00 per check / $2 for original" · Source
Stop Payment$40Above the typical range ($20–$30 nationally)
$13 above the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=stop_payment; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Stop Payment ............................................................................................................. $40.00 per request" · Source

Digital & ElectronicVerified

ACH - Return Item (Payment or Deposit)$40Above the typical range ($15–$30 nationally)
$15 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=ach_return; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="ACH - Return Item (Payment or Deposit)........................................................... $40.00 per item" · Source

Cash & DepositVerified

Deposited Item Return$10Within the typical range ($9.50–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=deposited_item_return; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Deposited Item Return............................................................................................. $10.00" · Source

Account ServicesVerified

Balance Inquiry$1.50Within the typical range ($1–$2 nationally)
$0.25 above the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=balance_inquiry; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Balance Inquiry............................................................................................................ $1.50 per inquiry" · Source
Drill Box W/ 2 Lost Keys$200Above the typical range ($25–$80 nationally)
$160 above the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=safe_deposit_box; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Drill Box W/ 2 Lost Keys.............................................................................................$200.00" · Source
Garnishment / Levy Fee$100Above the typical range ($25–$75 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=garnishment_levy; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Garnishment / Levy Fee ........................................................................................... $100.00" · Source
Judge / Garnishment Fee$50Within the typical range ($25–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=garnishment_levy; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Judge / Garnishment Fee ....................................................................................... $50.00" · Source

Lending FeesVerified

VISA Late Payment......................................................................................................U$25Within the typical range ($15–$26.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=late_payment; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="VISA Late Payment......................................................................................................Up to $25.00" · Source

Gift & Prepaid CardsVerified

CUMONEY (Reloadable Debit Card)$5Within the typical range ($3.50–$7 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=prepaid_card_reload; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="CUMONEY (Reloadable Debit Card) ................................................................... $5.00 initial order" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Early Closing Fee (When account is closed within first 6 months)	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=early_closure; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Early Closing Fee (When account is closed within first 6 months).......... $5.00"	Source
Inactive Account Fee (12 month no activity)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=dormant_account; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Inactive Account Fee (12 month no activity) .................................................. $5.00 per month (Excludes Kirby accounts)"	Source
Overdraft & NSFVerified
de Minimis Overdraft Fee	$10Below the typical range ($20–$30 nationally)	$18 below the national median	per item	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=overdraft; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="de Minimis Overdraft Fee.........................................................................................$10.00 per item"	Source
ATM & CardVerified
Foreign ATM Transactions	$3.50Above the typical range ($1–$3 nationally)	$2 above the national median	per transaction	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=atm_non_network; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Foreign ATM Transactions ...................................................................................... $3.50 per transaction"	Source
Check ServicesVerified
Check Cashing	$5Within the typical range ($5–$10 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=check_cashing; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Check Cashing ............................................................................................................ $5.00 per check"	Source
Digital & ElectronicVerified
ACH - Return Item (Payment or Deposit)	$40Above the typical range ($15–$30 nationally)	$15 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=ach_return; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="ACH - Return Item (Payment or Deposit)........................................................... $40.00 per item"	Source
Cash & DepositVerified
Deposited Item Return	$10Within the typical range ($9.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=deposited_item_return; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Deposited Item Return............................................................................................. $10.00"	Source
Account ServicesVerified
Balance Inquiry	$1.50Within the typical range ($1–$2 nationally)	$0.25 above the national median	—	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=balance_inquiry; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="Balance Inquiry............................................................................................................ $1.50 per inquiry"	Source
Lending FeesVerified
VISA Late Payment......................................................................................................U	$25Within the typical range ($15–$26.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=late_payment; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="VISA Late Payment......................................................................................................Up to $25.00"	Source
Gift & Prepaid CardsVerified
CUMONEY (Reloadable Debit Card)	$5Within the typical range ($3.50–$7 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2555. canonical_hint=prepaid_card_reload; text_hash=32c693fe8dc9d2ffed1f340ff90bb7d4a2fe84cfd86daf8585566837e45217ee; excerpt="CUMONEY (Reloadable Debit Card) ................................................................... $5.00 initial order"	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

$10

Overdraft fee: $10

Overdraft fee cap or limit policy detected — fewer surprise charges

64% below the national median overdraft fee

Verified fees

Under review

Assets

$391.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$391.6M

Total deposits

$342.0M

Service charge income (year to date)

$2.2M

Fee income ratio

16.4%

Return on assets

1.08%

Financial profile · Pro

Performance from regulator filings

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

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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