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

Northern Valley Federal Credit Union

Grand Forks, North DakotaCredit UnionMinneapolis Fed districtFees collected Oct 5, 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 balancing assistance$15Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Debit Card NSF$30Within the typical range ($25–$31.50 nationally)
At the national median
per item · Source
Overdraft (NSF)$30Within the typical range ($25–$32 nationally)
At the national median
per item · Source
Return Draft$30Within the typical range ($25–$31.50 nationally)
At the national median
per item · Source

Wire TransfersVerified

Wire transfer fees: Incoming$25Above the typical range ($5–$15 nationally)
$15 above the national median
Source
Wire transfer fees: Outgoing$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Cashier’s Check$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
per item · Source
Money Orders$0.75Below the typical range ($1.75–$3 nationally)
$1.25 below the national median
Source
Stop Payment of Draft$25Within the typical range ($20–$30 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account balancing assistance	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Inactive Monthly Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Debit Card NSF	$30Within the typical range ($25–$31.50 nationally)	At the national median	per item	—	Source
Overdraft (NSF)	$30
ATM & CardVerified
Replacement Debit or Visa Card	$20Above the typical range ($5–$10 nationally)	$10 above the national median	—	—	Source
Wire TransfersVerified
Wire transfer fees: Incoming	$25Above the typical range ($5–$15 nationally)	$15 above the national median	—	—	Source
Wire transfer fees: Outgoing	$25
Check ServicesVerified
Cashier’s Check	$2Below the typical range ($3–$5.50 nationally)	$3 below the national median	per item	—	Source
Money Orders	$0.75
Lending FeesVerified
Visa Credit Card Late Fee	$30Above the typical range ($12.75–$25 nationally)	$9 above the national median	—	—	Source
Other FeesVerified
Loan Application Fee	$30Within the typical range ($22.50–$35 nationally)	At the national median	—	—	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 13 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$20.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$20.3M

Total deposits

$17.5M

Service charge income (year to date)

$69K

Fee income ratio

13.0%

Return on assets

0.89%

Financial profile · Pro

Performance from regulator filings

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Based on 37,872 published fee entries from 2,649 institutions

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