Southwest Montana Community Federal Credit Union

Headquarters: Anaconda, Montana
Charter: Credit Union
Assets: $203.3M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 23, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Free Kasasa Cash Back Checking
Southwest Montana Community Federal Credit Union: $3
Southwest Montana Community Federal Credit Union: $3
U.S. median: no median
NSF / Returned Item
Southwest Montana Community Federal Credit Union: $25
Southwest Montana Community Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Southwest Montana Community Federal Credit Union: $20
Southwest Montana Community Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis 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).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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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Among its peers

Southwest Montana Community Federal Credit Union · $203M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$196M to $210M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Southwest Montana Community Federal Credit Union(this institution)	Anaconda, MT	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Abbey Federal Credit Union	Vandalia, OH	$200M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aim Federal Credit Union	Dubuque, IA	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alta Vista Federal Credit Union	Redlands, CA	$209M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Awakon Federal Credit Union	Onaway, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bluestone Federal Credit Union	Sioux Falls, SD	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Virginia Federal Credit Union	Lynchburg, VA	$198M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Federal Credit Union	Big Spring, TX	$202M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cooperative Choice Network Federal Credit Union	Peoria, IL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Duke University Federal Credit Union	Durham, NC	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Endurance Federal Credit Union	Duncan, OK	$196M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Financial Trust Federal Credit Union	Cheektowaga, NY	$203M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fire Police City County Federal Credit Union	Fort Wayne, IN	$207M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Community Federal Credit Union	Leavenworth, KS	$210M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members First Federal Credit Union	Brigham City, UT	$209M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Membersource Federal Credit Union	Houston, TX	$196M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Merco Federal Credit Union	Merced, CA	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Hills Federal Credit Union	Sturgis, SD	$205M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority One Federal Credit Union	South Pasadena, CA	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Red Wing Federal Credit Union	Red Wing, MN	$208M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sentinel Federal Credit Union	Box Elder, SD	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Service 1 Federal Credit Union	Muskegon, MI	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sky Federal Credit Union	Livingston, MT	$197M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Spirit Of Alaska Federal Credit Union	Fairbanks, AK	$201M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trunorth Federal Credit Union	Ishpeming, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
White Eagle Federal Credit Union	Augusta, KS	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (60%) below the median of similar-sized credit unions.

Its published price is $3, against a peer median of $7.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 28, 2026.

Monthly maintenance fee in dollars, one mark per institution

Southwest Montana Communi…Peer (equal prices stack)Peer medianInclude $36.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 28, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Southwest Montana Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee$3
per month
Early Closure Fee$25
Dormant Account$10
Not compared: Annual charge, not monthly
per year
Account Research & Reconcilement$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Charge$25

Wire Transfers

Outgoing Wire Transfer$20
Incoming Wire Transfer$10

Check Services

Cashier's Checks$1
per item
Money Orders$1
per item
Stop Payment$25
Counter Checks$1
Not compared: Charged per page; comparison unavailable
per page
Copy of Draft$2
per item

Digital & Electronic

ACH Return Fee$25
Bill Pay Fee (only after 3 mnths of inactivity)$5
per month

Cash & Deposit

Night Depository, Notary Service, & U.S. Savings BondsNo charge

Account Services

Safe Deposit Box 10x10$65
per year
Safe Deposit Box 3x10$30
per year
Safe Deposit Box 3x5$20
per year
Safe Deposit Box 5x10$40
per year
Safe Deposit Box 5x5$25
per year
Safe Deposit Box 7x10$50
per year
Garnishment or Levy$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$3	per month	None
Early Closure Fee	$25	Not stated	None
Dormant Account	$10Not compared: Annual charge, not monthly	per year	None
Account Research & Reconcilement	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Charge	$25	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	$10	Not stated	None
Check Services
Cashier's Checks	$1	per item	None
Money Orders	$1	per item	None
Stop Payment	$25	Not stated	None
Counter Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
Copy of Draft	$2	per item	None
Digital & Electronic
ACH Return Fee	$25	Not stated	None
Bill Pay Fee (only after 3 mnths of inactivity)	$5	per month	None
Cash & Deposit
Night Depository, Notary Service, & U.S. Savings Bonds	No charge	Not stated	None
Account Services
Safe Deposit Box 10x10	$65	per year	None
Safe Deposit Box 3x10	$30	per year	None
Safe Deposit Box 3x5	$20	per year	None
Safe Deposit Box 5x10	$40	per year	None
Safe Deposit Box 5x5	$25	per year	None
Safe Deposit Box 7x10	$50	per year	None
Garnishment or Levy	$35	Not stated	None

Correct a fee source

Oct 23, 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.

Fee change alerts

Get an email when Southwest Montana Community Federal Credit Union's wire transfer changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Free Kasasa Cash Back Checking
Southwest Montana Community Federal Credit Union: $3
Southwest Montana Community Federal Credit Union: $3
U.S. median: no median
NSF / Returned Item
Southwest Montana Community Federal Credit Union: $25
Southwest Montana Community Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Southwest Montana Community Federal Credit Union: $20
Southwest Montana Community Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis 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).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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.

Among its peers

Southwest Montana Community Federal Credit Union · $203M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$196M to $210M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Southwest Montana Community Federal Credit Union(this institution)	Anaconda, MT	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Abbey Federal Credit Union	Vandalia, OH	$200M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aim Federal Credit Union	Dubuque, IA	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alta Vista Federal Credit Union	Redlands, CA	$209M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Awakon Federal Credit Union	Onaway, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bluestone Federal Credit Union	Sioux Falls, SD	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Virginia Federal Credit Union	Lynchburg, VA	$198M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Federal Credit Union	Big Spring, TX	$202M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cooperative Choice Network Federal Credit Union	Peoria, IL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Duke University Federal Credit Union	Durham, NC	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Endurance Federal Credit Union	Duncan, OK	$196M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Financial Trust Federal Credit Union	Cheektowaga, NY	$203M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fire Police City County Federal Credit Union	Fort Wayne, IN	$207M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Community Federal Credit Union	Leavenworth, KS	$210M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members First Federal Credit Union	Brigham City, UT	$209M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Membersource Federal Credit Union	Houston, TX	$196M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Merco Federal Credit Union	Merced, CA	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Hills Federal Credit Union	Sturgis, SD	$205M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority One Federal Credit Union	South Pasadena, CA	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Red Wing Federal Credit Union	Red Wing, MN	$208M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sentinel Federal Credit Union	Box Elder, SD	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Service 1 Federal Credit Union	Muskegon, MI	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sky Federal Credit Union	Livingston, MT	$197M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Spirit Of Alaska Federal Credit Union	Fairbanks, AK	$201M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trunorth Federal Credit Union	Ishpeming, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
White Eagle Federal Credit Union	Augusta, KS	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (60%) below the median of similar-sized credit unions.

Its published price is $3, against a peer median of $7.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 28, 2026.

Monthly maintenance fee in dollars, one mark per institution

Southwest Montana Communi…Peer (equal prices stack)Peer medianInclude $36.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 28, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Southwest Montana Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee$3
per month
Early Closure Fee$25
Dormant Account$10
Not compared: Annual charge, not monthly
per year
Account Research & Reconcilement$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Charge$25

Wire Transfers

Outgoing Wire Transfer$20
Incoming Wire Transfer$10

Check Services

Cashier's Checks$1
per item
Money Orders$1
per item
Stop Payment$25
Counter Checks$1
Not compared: Charged per page; comparison unavailable
per page
Copy of Draft$2
per item

Digital & Electronic

ACH Return Fee$25
Bill Pay Fee (only after 3 mnths of inactivity)$5
per month

Cash & Deposit

Night Depository, Notary Service, & U.S. Savings BondsNo charge

Account Services

Safe Deposit Box 10x10$65
per year
Safe Deposit Box 3x10$30
per year
Safe Deposit Box 3x5$20
per year
Safe Deposit Box 5x10$40
per year
Safe Deposit Box 5x5$25
per year
Safe Deposit Box 7x10$50
per year
Garnishment or Levy$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$3	per month	None
Early Closure Fee	$25	Not stated	None
Dormant Account	$10Not compared: Annual charge, not monthly	per year	None
Account Research & Reconcilement	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Charge	$25	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	$10	Not stated	None
Check Services
Cashier's Checks	$1	per item	None
Money Orders	$1	per item	None
Stop Payment	$25	Not stated	None
Counter Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
Copy of Draft	$2	per item	None
Digital & Electronic
ACH Return Fee	$25	Not stated	None
Bill Pay Fee (only after 3 mnths of inactivity)	$5	per month	None
Cash & Deposit
Night Depository, Notary Service, & U.S. Savings Bonds	No charge	Not stated	None
Account Services
Safe Deposit Box 10x10	$65	per year	None
Safe Deposit Box 3x10	$30	per year	None
Safe Deposit Box 3x5	$20	per year	None
Safe Deposit Box 5x10	$40	per year	None
Safe Deposit Box 5x5	$25	per year	None
Safe Deposit Box 7x10	$50	per year	None
Garnishment or Levy	$35	Not stated	None

Correct a fee source

Oct 23, 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.