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

Lakes Federal Credit Union

Monticello, IndianaCredit UnionChicago Fed districtFees collected Oct 3, 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

Account reconciliation fee –$30Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Non-sufficient funds (NSF) per item returned or not per item –$32Above the typical range ($25–$31.50 nationally)
$2 above the national median
per item · Source

ATM & CardVerified

ATM replacement card$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Wire transfer (incoming) fee$10Within the typical range ($5–$15 nationally)
At the national median
Source
Wire transfer (outgoing) fee$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

Cashier check fee$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Money order fee –$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Source
Photocopy of share draft – per item$5Within the typical range ($2–$5 nationally)
$2 above the national median
per item · Source
Stop Payment - Per Item$20Within the typical range ($20–$30 nationally)
$6 below the national median
per item · Source
Stop Payment is$20Within the typical range ($20–$30 nationally)
$6 below the national median
per item · Source

Cash & DepositVerified

Deposited item return fee –$10Within the typical range ($10–$25 nationally)
$5 below the national median
per item · Source

Other FeesVerified

Statement copy fee$4Within the typical range ($2–$5 nationally)
$1 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account reconciliation fee –	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Overdraft & NSFVerified
Non-sufficient funds (NSF) per item returned or not per item –	$32Above the typical range ($25–$31.50 nationally)	$2 above the national median	per item	—	Source
ATM & CardVerified
ATM replacement card	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Wire TransfersVerified
Wire transfer (incoming) fee	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Wire transfer (outgoing) fee	$20
Check ServicesVerified
Cashier check fee	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Money order fee –	$1Below the typical range ($1.75–$3 nationally)
Cash & DepositVerified
Deposited item return fee –	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per item	—	Source
Other FeesVerified
Statement copy fee	$4Within the typical range ($2–$5 nationally)	$1 above the national median	—	—	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: $32

7% above the national median NSF fee

Total fees: 12 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$28.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$28.0M

Total deposits

$23.7M

Service charge income (year to date)

$49K

Fee income ratio

6.2%

Return on assets

1.04%

Financial profile · Pro

Performance from regulator filings

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

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Based on 37,913 published fee entries from 2,651 institutions

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