Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Cottonwood Community Federal Credit Union

Cottonwood, IdahoCredit UnionSan Francisco Fed districtFees collected Oct 2, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Bad Address Fee$5Below the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=account_research; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Bad Address Fee / $5.00" · Source

Dormant Account Fee$5

At the national median

Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=dormant_account; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Dormant Account Fee / $5.00" · Source

Overdraft & NSFVerified

NON-Sufficient Funds$15Below the typical range ($25–$32 nationally)
$14 below the national median
Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=nsf; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="NON-Sufficient Funds / $15.00" · Source

ATM & CardVerified

ATM Swipe$3Within the typical range ($1–$3 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=atm_non_network; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="ATM Swipe / $3.00" · Source
Debit Card Replacement$7Within the typical range ($5–$10 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=card_replacement; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Debit Card Replacement / $7.00" · Source

Wire TransfersVerified

WIRE TRANSFERS: Incoming$0Below the typical range ($7.50–$15 nationally)
$10 below the national median
Knox read a free fee from Rosetta artifact #1639. canonical_hint=wire_domestic_incoming; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Incoming / FREE" · Source

Check ServicesVerified

Cashier Checks$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=cashiers_check; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Cashier Checks / $5.00" · Source
Photocopy of check$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=check_image; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Photocopy of check / $1.00/ea" · Source
Stop Payments$10Below the typical range ($20–$30 nationally)
$17 below the national median
Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=stop_payment; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Stop Payments / $10.00" · Source
Temp/Counter Check$3Within the typical range ($1–$4 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=counter_check; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Temp/Counter Check / $3.00" · Source

Cash & DepositVerified

Return Deposit Item$5Below the typical range ($9.75–$25 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=deposited_item_return; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Return Deposit Item / $5.00" · Source

Gift & Prepaid CardsVerified

Gift Card$5Above the typical range ($3–$4.95 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=gift_card_purchase; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Gift Card / $5.00" · Source

Other FeesVerified

Copy of Statement (per month)$1Below the typical range ($2–$5 nationally)
$2 below the national median
per month · Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=document_reproduction; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Copy of Statement (per month) / $1.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Bad Address Fee	$5Below the typical range ($15–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=account_research; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Bad Address Fee / $5.00"	Source
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=dormant_account; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Dormant Account Fee / $5.00"	Source
Overdraft & NSFVerified
NON-Sufficient Funds	$15Below the typical range ($25–$32 nationally)	$14 below the national median	—	Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=nsf; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="NON-Sufficient Funds / $15.00"	Source
ATM & CardVerified
ATM Swipe	$3Within the typical range ($1–$3 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=atm_non_network; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="ATM Swipe / $3.00"	Source
Debit Card Replacement	$7
Wire TransfersVerified
WIRE TRANSFERS: Incoming	$0Below the typical range ($7.50–$15 nationally)	$10 below the national median	—	Knox read a free fee from Rosetta artifact #1639. canonical_hint=wire_domestic_incoming; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Incoming / FREE"	Source
Check ServicesVerified
Cashier Checks	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=cashiers_check; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Cashier Checks / $5.00"	Source
Photocopy of check	$1
Cash & DepositVerified
Return Deposit Item	$5Below the typical range ($9.75–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=deposited_item_return; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Return Deposit Item / $5.00"	Source
Gift & Prepaid CardsVerified
Gift Card	$5Above the typical range ($3–$4.95 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=gift_card_purchase; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Gift Card / $5.00"	Source
Other FeesVerified
Copy of Statement (per month)	$1Below the typical range ($2–$5 nationally)	$2 below the national median	per month	Knox deterministic extraction from Rosetta artifact #1639. canonical_hint=document_reproduction; text_hash=97269edb2270a15660951e4285ec8d981d38f115ca5609e70d8683e988a15c61; excerpt="Copy of Statement (per month) / $1.00"	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.

NSF fee: $15

48% below the national median NSF fee

Total fees: 13 — leaner than most institutions

Verified fees

Under review

Assets

$285.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$285.5M

Total deposits

$242.2M

Service charge income (year to date)

$132K

Fee income ratio

1.6%

Return on assets

1.52%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 21,453 verified fees from 2,141 institutions

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