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

Perfect Circle Federal Credit Union

Hagerstown, IndianaCredit UnionChicago Fed districtFees collected Apr 21, 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

Account Reconciliation$20Within the typical range ($20–$25 nationally)

Dormant Account Fee$5

At the national median

per month · Source

Mailed Statement Fee ............................... .$2

$1 below the national median

Source

Overdraft & NSFVerified

Courtesy Pay Fee$30Within the typical range ($25–$32 nationally)
At the national median
per item · Knox extract.rules v20 categorized a line held for review from Rosetta artifact #3783. canonical_hint=overdraft; text_hash=2c567806dc5e188df5de58ca89f8e153ea44c1d4d8282f0f3362af859e76d99d; excerpt="• Courtesy Pay Fee ............................................. $30.00/Item" · Source
NSF fees$30Within the typical range ($25–$31 nationally)
At the national median
Source

ATM & CardVerified

ATM Withdrawal/Transfer Fee$2Within the typical range ($1–$2.50 nationally)
$0.25 above the national median
Source
Debit Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox extract.rules v20 categorized a line held for review from Rosetta artifact #3783. canonical_hint=card_replacement; text_hash=2c567806dc5e188df5de58ca89f8e153ea44c1d4d8282f0f3362af859e76d99d; excerpt="• Debit Card Replacement Fee ................................. $10.00" · Source
Dormant ATM/Debit Fee$10Above the typical range ($1–$2.50 nationally)
$8.25 above the national median
per month · Source

Wire TransfersVerified

Wire Transfer (Incoming)……………………$5Within the typical range ($5–$15 nationally)
$5 below the national median
Source
Wire Transfer (Outgoing)…………………….$15Below the typical range ($20–$25 nationally)
$10 below the national median
Source

Check ServicesVerified

Cashier’s Check……………………………………$2Below the typical range ($3–$6 nationally)
$3 below the national median
Source
Check Cashing Fee ...................................... .$2Below the typical range ($5–$10 nationally)
$3 below the national median
per item · Source
Copy of Draft$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Counter Checks……………………………….$5Above the typical range ($1–$4 nationally)
$3 above the national median
Source
Money Order………………………………………$1.25Below the typical range ($1.50–$3 nationally)
$0.75 below the national median
Source
Stop Payment Fees$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Mailed Statement Fee ............................... .	$2Within the typical range ($2–$4 nationally)	$1 below the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$30Within the typical range ($25–$32 nationally)	At the national median	per item	Knox extract.rules v20 categorized a line held for review from Rosetta artifact #3783. canonical_hint=overdraft; text_hash=2c567806dc5e188df5de58ca89f8e153ea44c1d4d8282f0f3362af859e76d99d; excerpt="• Courtesy Pay Fee ............................................. $30.00/Item"	Source
NSF fees
ATM & CardVerified
ATM Withdrawal/Transfer Fee	$2Within the typical range ($1–$2.50 nationally)	$0.25 above the national median	—	—	Source
Debit Card Replacement Fee	$10
Wire TransfersVerified
Wire Transfer (Incoming)……………………	$5Within the typical range ($5–$15 nationally)	$5 below the national median	—	—	Source
Wire Transfer (Outgoing)…………………….	$15
Check ServicesVerified
Cashier’s Check……………………………………	$2Below the typical range ($3–$6 nationally)	$3 below the national median	—	—	Source
Check Cashing Fee ...................................... .	$2

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 16 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$63.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$63.2M

Total deposits

$55.7M

Service charge income (year to date)

$243K

Fee income ratio

11.6%

Return on assets

0.90%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 46,468 published fee entries from 2,882 institutions

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