Magnolia Federal Credit Union

Headquarters: Jackson, Mississippi
Charter: Credit Union
Assets: $185.6M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $5, the middle of its prices
Magnolia Federal Credit Union: $1 to $5.95
Magnolia Federal Credit Union: $1 to $5.95
U.S. median: no median
Overdraft (OD)
Magnolia Federal Credit Union: $30
Magnolia Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Magnolia Federal Credit Union: $25
Magnolia Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta 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).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Magnolia Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service (unlimited bills paid)$5.95
per month
Monthly service charge$5
per month
The maintenance fee is only$1
Below Minimum Balance Service Charge$10
per month
Closed Account within 90 Days$15
Escheatment Processing (per account or item)$100
Inactive Account -- each share account$10
per month
Research ($25.00 minimum)$25
Paper Statement Fee (per statement, waived for members under age 18 and 65+)$2.50
Return Mail (waived for Teen Accounts)$5

Overdraft & NSF

Courtesy Pay$30
Non-sufficient Funds (NSF)$25

ATM & Card

ATM Card Replacement (waived for Teen Accounts)$10
Visa Debit Card Replacement$20
Teen Accounts Visa Debit Card Replacement Rush$50

Wire Transfers

Outgoing Wire$20
International Wire$30

Check Services

Corporate Check$5
Corporate Check Stop Payment$30
Stop Payment Draft/ACH$30
Counter Checks$4
per item
Share Draft Copy$5

Digital & Electronic

One-time ACH Origination$10
per item
Originating ACH Return$30

Cash & Deposit

Deposited Item Returned ltem$10

Account Services

Key Replacement$10
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 x 10$60
per year
Safe Deposit Box 10 x 10$60
Safe Deposit Box 3 x 10$30
per year
Safe Deposit Box 3 X 10$30
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 3 x 5$20
Safe Deposit Box 5 x 10$45
per year
Safe Deposit Box 5 x 10$45
Garnishment/Levy Processing$50

Gift & Prepaid Cards

Visa Gift Cards$4
Visa Gift Cards with eStatements$2
VISA Reloadable Prepaid Debit Card$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service (unlimited bills paid)	$5.95	per month	None
Monthly service charge	$5	per month	None
The maintenance fee is only	$1	Not stated	None
Below Minimum Balance Service Charge	$10	per month	None
Closed Account within 90 Days	$15	Not stated	None
Escheatment Processing (per account or item)	$100	Not stated	None
Inactive Account -- each share account	$10	per month	None
Research ($25.00 minimum)	$25	Not stated	None
Paper Statement Fee (per statement, waived for members under age 18 and 65+)	$2.50	Not stated	None
Return Mail (waived for Teen Accounts)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
Non-sufficient Funds (NSF)	$25	Not stated	None
ATM & Card
ATM Card Replacement (waived for Teen Accounts)	$10	Not stated	None
Visa Debit Card Replacement	$20	Not stated	None
Teen Accounts Visa Debit Card Replacement Rush	$50	Not stated	None
Wire Transfers
Outgoing Wire	$20	Not stated	None
International Wire	$30	Not stated	None
Check Services
Corporate Check	$5	Not stated	None
Corporate Check Stop Payment	$30	Not stated	None
Stop Payment Draft/ACH	$30	Not stated	None
Counter Checks	$4	per item	None
Share Draft Copy	$5	Not stated	None
Digital & Electronic
One-time ACH Origination	$10	per item	None
Originating ACH Return	$30	Not stated	None
Cash & Deposit
Deposited Item Returned ltem	$10	Not stated	None
Account Services
Key Replacement	$10Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 x 10	$60	per year	None
Safe Deposit Box 10 x 10	$60	Not stated	None
Safe Deposit Box 3 x 10	$30	per year	None
Safe Deposit Box 3 X 10	$30	Not stated	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 3 x 5	$20	Not stated	None
Safe Deposit Box 5 x 10	$45	per year	None
Safe Deposit Box 5 x 10	$45	Not stated	None
Garnishment/Levy Processing	$50	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$4	Not stated	None
Visa Gift Cards with eStatements	$2	Not stated	None
VISA Reloadable Prepaid Debit Card	$10	Not stated	None

Correct a fee source

Oct 6, 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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