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

Norstate Federal Credit Union

Madawaska, MaineCredit UnionBoston Fed districtFees collected Feb 17, 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

Dormant Account (after 2 years of inactivity)$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our st$25Within the typical range ($25–$33 nationally)
$5 below the national median$3 below the Maine median
Source
or NSF/Return fee$28Within the typical range ($25–$32 nationally)
$2 below the national medianAt the Maine median
Source

Wire TransfersVerified

Wire Transfer: Domestic$15Below the typical range ($20–$25 nationally)
$10 below the national median$10 below the Maine median
per item · Source
Wire Transfer: Incoming$5Within the typical range ($5–$15 nationally)
$5 below the national median$5 below the Maine median
per item · Source
Wire Transfer: International$35Below the typical range ($40–$50 nationally)
$15 below the national median$5 below the Maine median
per item · Source

Check ServicesVerified

Stop Payment (check or ACH)$20Within the typical range ($20–$30 nationally)
$7.50 below the national median$5 below the Maine median
per item · Source
Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the Maine median
per item · Source
Corporate Draft Copies - Rush$6Above the typical range ($2–$5 nationally)
$3 above the national median$3 above the Maine median
per item · Institution’s schedule

Cash & DepositVerified

Canadian Deposited Item Returned$20Within the typical range ($8–$25 nationally)
$5 above the national median$10 above the Maine median
per item · Source
Deposited Item Returned$10Within the typical range ($8–$25 nationally)
$5 below the national medianAt the Maine median
per item · Source

Other FeesVerified

Photocopies$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median$2.38 below the Maine median
per item · Source
Statement Copy$1Below the typical range ($2–$5 nationally)
$2 below the national median$1.63 below the Maine median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account (after 2 years of inactivity)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Maine median	per month	—	Source
Account Reconciliation/Research (minimum charge)	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$5 below the Maine median	—	—	Source
Overdraft & NSFVerified
drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our st	$25Within the typical range ($25–$33 nationally)	$5 below the national median$3 below the Maine median	—	—	Source
or NSF/Return fee	$28
ATM & CardVerified
Visa assessed surcharge/access fee for ATM or manual cash disbursement transactions initiated outside of the U.S. region	$1.25Within the typical range ($1–$2.25 nationally)	$0.25 below the national median$0.12 above the Maine median	—	—	Source
Wire TransfersVerified
Wire Transfer: Domestic	$15Below the typical range ($20–$25 nationally)	$10 below the national median$10 below the Maine median	per item	—	Source
Wire Transfer: Incoming	$5
Check ServicesVerified
Stop Payment (check or ACH)	$20Within the typical range ($20–$30 nationally)	$7.50 below the national median$5 below the Maine median	per item	—	Source
Check Copy	$2
Cash & DepositVerified
Canadian Deposited Item Returned	$20Within the typical range ($8–$25 nationally)	$5 above the national median$10 above the Maine median	per item	—	Source
Deposited Item Returned	$10
Other FeesVerified
Photocopies	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median$2.38 below the Maine median	per item	—	Source
Statement Copy	$1

Fee change alerts

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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

$25

Overdraft fee: $25

17% below the national median overdraft fee

15 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$280.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$280.0M

Total deposits

$244.5M

Service charge income (year to date)

$385K

Fee income ratio

4.4%

Return on assets

0.50%

Financial profile · Pro

Performance from regulator filings

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