Northern Hills Federal Credit Union

Headquarters: Sturgis, South Dakota
Charter: Credit Union
Assets: $204.9M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
Northern Hills Federal Credit Union: $7.50
Northern Hills Federal Credit Union: $7.50
U.S. median: no median
Overdraft (OD)
Northern Hills Federal Credit Union: $34
Northern Hills Federal Credit Union: $34
U.S. median: no median
NSF / Returned Item
Northern Hills Federal Credit Union: $34
Northern Hills Federal Credit Union: $34
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Dakota, 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).
South Dakota: Banks and credit unions headquartered in South Dakota 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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Published fee schedule

Amounts from Northern Hills Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$7.50
per month
Early Closing, under 90 days: Over $500$5
Dormant Account, per month$10
per month
Inactivity fee, per month$5
per month
Account Research/Reconciliation, per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee, per month$2
per month
Incorrect Address/Returned Mail, per piece$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft by ATM Withdrawal, per overdraft$34
per item
Non-Return Item Fee, per presentment$34
per item
NSF / Returned Item$34
NSF Fee$34
per item
From loan to cover overdraft$2

ATM & Card

Out of Network ATM Withdrawals$1.50
per item
Replacement ATM/Debit Card$10
Expedited shipping$35

Wire Transfers

Outgoing, per wire$50
per item
Outgoing, per wire$20
per item

Check Services

Cashier’s Check, per check$5
per item
Stop Payment, per item$30
per item
Counter Checks, per 12$6
Collection Item, Domestic or Foreign$50
per item
Check Lookup or Copy, per item$5
per item

Digital & Electronic

ACH Origination Item, Loan or Deposit$40

Account Services

3 x 10, per box$25
3 x 5, per box$15
5 x 10, per box$45
Drill Safe Deposit Box, two lost keys$250
Not compared: Box drilling or key fee
per item
Key Replacement, per key$10
Not compared: Box drilling or key fee
per item
Late Payment of Annual Rental$5
Not compared: Box drilling or key fee
per year
Replacement Lock, one lost key$45
Not compared: Box drilling or key fee
Legal Order, Levy, Garnishment, + costs$25
Mortgage Modifications/Subordination$200
Verification of Deposit$10

Retirement & IRA

IRA Transfer to Another Institution$25
IRA Unqualified Withdrawal, per withdrawal$25
per item

Gift & Prepaid Cards

VISA Gift Card, per card$5
per item
VISA Reloadable Prepaid Cards, per card$10
per item

Other Fees

Fax – Receiving, per page$1
per item
Fax – Sending, per page, Local or 800#$1
per item
Photocopy, per page$0.25
per item
Loan Document Fee$75
Skip Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$7.50	per month	None
Early Closing, under 90 days: Over $500	$5	Not stated	None
Dormant Account, per month	$10	per month	None
Inactivity fee, per month	$5	per month	None
Account Research/Reconciliation, per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee, per month	$2	per month	None
Incorrect Address/Returned Mail, per piece	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft by ATM Withdrawal, per overdraft	$34	per item	None
Non-Return Item Fee, per presentment	$34	per item	None
NSF / Returned Item	$34	Not stated	None
NSF Fee	$34	per item	None
From loan to cover overdraft	$2	Not stated	None
ATM & Card
Out of Network ATM Withdrawals	$1.50	per item	None
Replacement ATM/Debit Card	$10	Not stated	None
Expedited shipping	$35	Not stated	None
Wire Transfers
Outgoing, per wire	$50	per item	None
Outgoing, per wire	$20	per item	None
Check Services
Cashier’s Check, per check	$5	per item	None
Stop Payment, per item	$30	per item	None
Counter Checks, per 12	$6	Not stated	None
Collection Item, Domestic or Foreign	$50	per item	None
Check Lookup or Copy, per item	$5	per item	None
Digital & Electronic
ACH Origination Item, Loan or Deposit	$40	Not stated	None
Account Services
3 x 10, per box	$25	Not stated	None
3 x 5, per box	$15	Not stated	None
5 x 10, per box	$45	Not stated	None
Drill Safe Deposit Box, two lost keys	$250Not compared: Box drilling or key fee	per item	None
Key Replacement, per key	$10Not compared: Box drilling or key fee	per item	None
Late Payment of Annual Rental	$5Not compared: Box drilling or key fee	per year	None
Replacement Lock, one lost key	$45Not compared: Box drilling or key fee	Not stated	None
Legal Order, Levy, Garnishment, + costs	$25	Not stated	None
Mortgage Modifications/Subordination	$200	Not stated	None
Verification of Deposit	$10	Not stated	None
Retirement & IRA
IRA Transfer to Another Institution	$25	Not stated	None
IRA Unqualified Withdrawal, per withdrawal	$25	per item	None
Gift & Prepaid Cards
VISA Gift Card, per card	$5	per item	None
VISA Reloadable Prepaid Cards, per card	$10	per item	None
Other Fees
Fax – Receiving, per page	$1	per item	None
Fax – Sending, per page, Local or 800#	$1	per item	None
Photocopy, per page	$0.25	per item	None
Loan Document Fee	$75	Not stated	None
Skip Payment	$35	Not stated	None

Correct a fee source

Oct 15, 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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