Beacon Credit Union, Incorporated

Headquarters: Lynchburg, Virginia
Charter: Credit Union
Assets: $391.6M
Fed district: Richmond

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Budget Checking
Beacon Credit Union, Incorporated: $10
Beacon Credit Union, Incorporated: $10
U.S. median: no median
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Beacon Credit Union, Incorporated: $10 to $35
Beacon Credit Union, Incorporated: $10 to $35
U.S. median: no median
NSF / Returned Item
Beacon Credit Union, Incorporated: $40
Beacon Credit Union, Incorporated: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Beacon Credit Union, Incorporated’s own schedules, with a source for each figure.

Account Maintenance

Budget Checking Fee$10
per month
Monthly maintenance fee$10
per month
Early Closing Fee (When account is closed within first 6 months) (audience not stated, treated as personal)$5
Inactive Account Fee (12 month no activity) (audience not stated, treated as personal)$5
per month
Account Reconcilement (Minimum 1 hour charge)$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Postal Address Change Notification$5
Reg-D Excessive Transactions$5
per item

Overdraft & NSF

Overdraft (OD) (audience not stated, treated as personal)$10
per item
Overdraft Priviledge Fee (audience not stated, treated as personal)$35
Bill Pay NSF Fee (excludes Budget Checking)$40
per item
Bill Pay NSF Fee (excludes Budget Checking) (audience not stated, treated as personal)$40
per item
Insufficient Funds (NSF) (excludes Budget Checking) (audience not stated, treated as personal)$40
per item
Insufficient Funds (NSF) (excludes Budget Checking)$40
per item
Returned Item (excludes Budget Checking) (audience not stated, treated as personal)$40
per item
Returned Item (excludes Budget Checking)$40
per item

ATM & Card

Balance Inquiry$1.50
per item
Foreign ATM Transactions$3.50
per item
Non-proprietary ATM Withdrawal/ Transfer$1.50
per transaction
Replacement Card (audience not stated, treated as personal)$5

Wire Transfers

Wire Transfer (Domestic Only) (audience not stated, treated as personal)$20

Check Services

Cashier Check (on cu checks made payable to third party) (audience not stated, treated as personal)$10
Stop Payment (audience not stated, treated as personal)$40
per item
Check Cashing (audience not stated, treated as personal)$5
per item
Check Copy (audience not stated, treated as personal)$1
per item

Digital & Electronic

ACH - Return Item (Payment or Deposit) (audience not stated, treated as personal)$40
per item

Cash & Deposit

Deposited Item Return (audience not stated, treated as personal)$10

Account Services

Drill Box W/ 2 Lost Keys (audience not stated, treated as personal)$200
Not compared: Box drilling or key fee
Replacement Key (audience not stated, treated as personal)$25
Not compared: Box drilling or key fee
Garnishment / Levy Fee (audience not stated, treated as personal)$100
Judge / Garnishment Fee (audience not stated, treated as personal)$50
Mortgage Subordination (audience not stated, treated as personal)$50
Verification of Deposit (audience not stated, treated as personal)$3

Lending Fees

Loan Late Payment (audience not stated, treated as personal)5%

Gift & Prepaid Cards

CUMONEY (Reloadable Debit Card)$5
Visa Gift Cards (audience not stated, treated as personal)$3
per item

Other Fees

Outgoing Fax$1
per item
Statement Copy$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Budget Checking Fee	$10	per month	None
Monthly maintenance fee	$10	per month	None
Early Closing Fee (When account is closed within first 6 months) (audience not stated, treated as personal)	$5	Not stated	None
Inactive Account Fee (12 month no activity) (audience not stated, treated as personal)	$5	per month	None
Account Reconcilement (Minimum 1 hour charge)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Postal Address Change Notification	$5	Not stated	None
Reg-D Excessive Transactions	$5	per item	None
Overdraft & NSF
Overdraft (OD) (audience not stated, treated as personal)	$10	per item	None
Overdraft Priviledge Fee (audience not stated, treated as personal)	$35	Not stated	None
Bill Pay NSF Fee (excludes Budget Checking)	$40	per item	None
Bill Pay NSF Fee (excludes Budget Checking) (audience not stated, treated as personal)	$40	per item	None
Insufficient Funds (NSF) (excludes Budget Checking) (audience not stated, treated as personal)	$40	per item	None
Insufficient Funds (NSF) (excludes Budget Checking)	$40	per item	None
Returned Item (excludes Budget Checking) (audience not stated, treated as personal)	$40	per item	None
Returned Item (excludes Budget Checking)	$40	per item	None
ATM & Card
Balance Inquiry	$1.50	per item	None
Foreign ATM Transactions	$3.50	per item	None
Non-proprietary ATM Withdrawal/ Transfer	$1.50	per transaction	None
Replacement Card (audience not stated, treated as personal)	$5	Not stated	None
Wire Transfers
Wire Transfer (Domestic Only) (audience not stated, treated as personal)	$20	Not stated	None
Check Services
Cashier Check (on cu checks made payable to third party) (audience not stated, treated as personal)	$10	Not stated	None
Stop Payment (audience not stated, treated as personal)	$40	per item	None
Check Cashing (audience not stated, treated as personal)	$5	per item	None
Check Copy (audience not stated, treated as personal)	$1	per item	None
Digital & Electronic
ACH - Return Item (Payment or Deposit) (audience not stated, treated as personal)	$40	per item	None
Cash & Deposit
Deposited Item Return (audience not stated, treated as personal)	$10	Not stated	None
Account Services
Drill Box W/ 2 Lost Keys (audience not stated, treated as personal)	$200Not compared: Box drilling or key fee	Not stated	None
Replacement Key (audience not stated, treated as personal)	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment / Levy Fee (audience not stated, treated as personal)	$100	Not stated	None
Judge / Garnishment Fee (audience not stated, treated as personal)	$50	Not stated	None
Mortgage Subordination (audience not stated, treated as personal)	$50	Not stated	None
Verification of Deposit (audience not stated, treated as personal)	$3	Not stated	None
Lending Fees
Loan Late Payment (audience not stated, treated as personal)	5%	Not stated	None
Gift & Prepaid Cards
CUMONEY (Reloadable Debit Card)	$5	Not stated	None
Visa Gift Cards (audience not stated, treated as personal)	$3	per item	None
Other Fees
Outgoing Fax	$1	per item	None
Statement Copy	$1Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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