Sterling Federal Credit Union

Headquarters: Sterling, Colorado
Charter: Credit Union
Assets: $246.9M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

Overdraft (OD)
Sterling Federal Credit Union: $25
Sterling Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Sterling Federal Credit Union: $25
Sterling Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Sterling Federal Credit Union: $1
Sterling Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

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

Account Maintenance

Account Closure - if account closed within 12 months$15
per item
Account Closure ATM/Debit Card - if account closed within 12 months$10
per item
Inactive Account$10
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $25.00 | Hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $25.00 | Hour
Bad Address$10
Returned Mail$10

Overdraft & NSF

Courtesy Pay$25
ACH Items (Non-Sufficient Funds)$25
NSF (Non-Sufficient Funds)$25
Returned Item$25

ATM & Card

Foreign ATM$1
per item
Debit & ATM Card Reorder$10
per item

Wire Transfers

Outgoing Wire Transfer$25
Incoming Wire Transfer$5

Check Services

Cashier’s Check$5
Teller’s Check$2
Stop Payment$25
Temporary Check$3
per item · Per sheet
Check Cashing Not to exceed$5
Items Sent For Collection$10
Check Copy$7.50

Cash & Deposit

Deposited Item Return$5

Account Services

Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)$50
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$25
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)$30
Legal Process$25
per item

Other Fees

Document Copy$1
Statement Copy$3

Fee	Amount	Basis	Note
Account Maintenance
Account Closure - if account closed within 12 months	$15	per item	None
Account Closure ATM/Debit Card - if account closed within 12 months	$10	per item	None
Inactive Account	$10	Not stated	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation \| $25.00 \| Hour
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $25.00 \| Hour
Bad Address	$10	Not stated	None
Returned Mail	$10	Not stated	None
Overdraft & NSF
Courtesy Pay	$25	Not stated	None
ACH Items (Non-Sufficient Funds)	$25	Not stated	None
NSF (Non-Sufficient Funds)	$25	Not stated	None
Returned Item	$25	Not stated	None
ATM & Card
Foreign ATM	$1	per item	None
Debit & ATM Card Reorder	$10	per item	None
Wire Transfers
Outgoing Wire Transfer	$25	Not stated	None
Incoming Wire Transfer	$5	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Teller’s Check	$2	Not stated	None
Stop Payment	$25	Not stated	None
Temporary Check	$3	per item	Per sheet
Check Cashing Not to exceed	$5	Not stated	None
Items Sent For Collection	$10	Not stated	None
Check Copy	$7.50	Not stated	None
Cash & Deposit
Deposited Item Return	$5	Not stated	None
Account Services
Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$30	Not stated	None
Legal Process	$25	per item	None
Other Fees
Document Copy	$1	Not stated	None
Statement Copy	$3	Not stated	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 26, 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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