Norstate Federal Credit Union

Headquarters: Madawaska, Maine
Charter: Credit Union
Assets: $280.0M
Fed district: Boston

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

Overdraft (OD)
Norstate Federal Credit Union: $25
Norstate Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Norstate Federal Credit Union: $28
Norstate Federal Credit Union: $28
U.S. median: no median
Wire Transfer (Domestic Out)
Norstate Federal Credit Union: $15
Norstate Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

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

Account Maintenance

Closing Account (prior to 6 months)$15
per item
Dormant Account (after 2 years of inactivity)$5
per month
Account Reconciliation/Research (minimum charge)$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (OD)$25
NSF / Returned Item$28
Return/NSF (includes HE when over LOC)$28
per item

ATM & Card

Visa assessed surcharge/access fee for ATM or manual cash disbursement transactions initiated outside of the U.S. region$1.25
ATM/Debit Card Re-issue$20
per item
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer: Domestic$15
per item
Wire Transfer: Incoming$5
per item
Wire Transfer: International$35
per item

Check Services

Money Order: Bronze/Silver$1.50
per item
Money Order: Gold$1
per item
Stop Payment (check or ACH)$20
per item
Check Copy$2
per item
Corporate Draft Copies - Rush$6
per item

Cash & Deposit

Canadian Deposited Item Returned$20
per item
Deposited Item Returned$10
per item

Other Fees

Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$1

Fee	Amount	Basis	Note
Account Maintenance
Closing Account (prior to 6 months)	$15	per item	None
Dormant Account (after 2 years of inactivity)	$5	per month	None
Account Reconciliation/Research (minimum charge)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (OD)	$25	Not stated	None
NSF / Returned Item	$28	Not stated	None
Return/NSF (includes HE when over LOC)	$28	per item	None
ATM & Card
Visa assessed surcharge/access fee for ATM or manual cash disbursement transactions initiated outside of the U.S. region	$1.25	Not stated	None
ATM/Debit Card Re-issue	$20	per item	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer: Domestic	$15	per item	None
Wire Transfer: Incoming	$5	per item	None
Wire Transfer: International	$35	per item	None
Check Services
Money Order: Bronze/Silver	$1.50	per item	None
Money Order: Gold	$1	per item	None
Stop Payment (check or ACH)	$20	per item	None
Check Copy	$2	per item	None
Corporate Draft Copies - Rush	$6	per item	None
Cash & Deposit
Canadian Deposited Item Returned	$20	per item	None
Deposited Item Returned	$10	per item	None
Other Fees
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$1	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

Feb 17, 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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