Perfect Circle Federal Credit Union

Headquarters: Hagerstown, Indiana
Charter: Credit Union
Assets: $63.2M
Fed district: Chicago

20 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.

Overdraft (OD)
Perfect Circle Federal Credit Union: $30
Perfect Circle Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Perfect Circle Federal Credit Union: $30
Perfect Circle Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Perfect Circle Federal Credit Union: $2
Perfect Circle Federal Credit Union: $2
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 Indiana, the Chicago 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Perfect Circle Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Below Minimum Fee$20
per month
Minimum Balance$10
Dormant Account Fee$5
per month
Account Reconciliation (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement Fee$2
Excess Withdrawal Fee$20
per item
Locator Fee$1

Overdraft & NSF

Courtesy Pay Fee$30
per item
NSF fees$30
per item

ATM & Card

ATM Withdrawal/Transfer Fee$2
per item
Debit Card Replacement Fee$10
Replacement card fee$10
per item

Wire Transfers

Wire Transfer (Outgoing)$15
per item
Wire Transfer (Incoming)$5
per item
International Wire Transfer$40
per item

Check Services

Cashier’s Check$2
per item
Money Order$1.25
per item
Stop Payment Fees$30
per item
Counter Checks$5
Check Cashing Fee$2
per item
Foreign Item Processing$20
Copy of Draft$2
per item

Gift & Prepaid Cards

VISA Blackbird Card Reload Fee$3
per item

Other Fees

Photocopies$0.10
Not compared: Charged per page; comparison unavailable
per page
Statement Copy Fee$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Account Below Minimum Fee	$20	per month	None
Minimum Balance	$10	Not stated	None
Dormant Account Fee	$5	per month	None
Account Reconciliation (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement Fee	$2	Not stated	None
Excess Withdrawal Fee	$20	per item	None
Locator Fee	$1	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	per item	None
NSF fees	$30	per item	None
ATM & Card
ATM Withdrawal/Transfer Fee	$2	per item	None
Debit Card Replacement Fee	$10	Not stated	None
Replacement card fee	$10	per item	None
Wire Transfers
Wire Transfer (Outgoing)	$15	per item	None
Wire Transfer (Incoming)	$5	per item	None
International Wire Transfer	$40	per item	None
Check Services
Cashier’s Check	$2	per item	None
Money Order	$1.25	per item	None
Stop Payment Fees	$30	per item	None
Counter Checks	$5	Not stated	None
Check Cashing Fee	$2	per item	None
Foreign Item Processing	$20	Not stated	None
Copy of Draft	$2	per item	None
Gift & Prepaid Cards
VISA Blackbird Card Reload Fee	$3	per item	None
Other Fees
Photocopies	$0.10Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy Fee	$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.

Fee change alerts

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