Canopy Federal Credit Union

Headquarters: Spokane, Washington
Charter: Credit Union
Assets: $222.0M
Fed district: San Francisco

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
Plus Checking
Can be waived with an average balance of $500 or more.
Canopy Federal Credit Union: $5
Canopy Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Canopy Federal Credit Union: $25
Canopy Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Canopy Federal Credit Union: $25
Canopy Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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

Account Maintenance

Plus Checking Monthly Service Fee (If Average Balance is below $500.00)$5
per month
Dormant Account Fee (after 2 1/2 years)$5
per month
Inactive fee$5
per month
Account Research, per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Invalid Address$5
per month

Overdraft & NSF

NSF (written by member on a non-Canopy account)$25
Automatic Overdraft Transfer Fee for VISA$4

ATM & Card

Replacement Card Fee$10
per item

Wire Transfers

Wire Transfer Domestic (outgoing)$25
Wire Transfer International (outgoing)$75

Check Services

Cashier’s Checks$5
per item
Counter Checks$2
Check Cashing Fee (third-party check)5%($10 minimum)
Check Cashing Fee (third-party check) (audience not stated, treated as personal)5%($10 minimum)

Digital & Electronic

ACH Returned Debits Nonsufficient Funds (NSF)$28
Bill Pay ServicesNo charge
Expedited Bill Payments$19.95

Account Services

Garnishment & Levy$50

Retirement & IRA

IRA Annual Maintenance Fee$25
per year
IRA Outgoing Direct Transfer/Rollover Fee$25

Other Fees

Loan Payment with Debit Card Online$4.95

Fee	Amount	Basis	Note
Account Maintenance
Plus Checking Monthly Service Fee (If Average Balance is below $500.00)	$5	per month	None
Dormant Account Fee (after 2 1/2 years)	$5	per month	None
Inactive fee	$5	per month	None
Account Research, per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	Not stated	None
Invalid Address	$5	per month	None
Overdraft & NSF
NSF (written by member on a non-Canopy account)	$25	Not stated	None
Automatic Overdraft Transfer Fee for VISA	$4	Not stated	None
ATM & Card
Replacement Card Fee	$10	per item	None
Wire Transfers
Wire Transfer Domestic (outgoing)	$25	Not stated	None
Wire Transfer International (outgoing)	$75	Not stated	None
Check Services
Cashier’s Checks	$5	per item	None
Counter Checks	$2	Not stated	None
Check Cashing Fee (third-party check)	5%($10 minimum)	Not stated	None
Check Cashing Fee (third-party check) (audience not stated, treated as personal)	5%($10 minimum)	Not stated	None
Digital & Electronic
ACH Returned Debits Nonsufficient Funds (NSF)	$28	Not stated	None
Bill Pay Services	No charge	Not stated	None
Expedited Bill Payments	$19.95	Not stated	None
Account Services
Garnishment & Levy	$50	Not stated	None
Retirement & IRA
IRA Annual Maintenance Fee	$25	per year	None
IRA Outgoing Direct Transfer/Rollover Fee	$25	Not stated	None
Other Fees
Loan Payment with Debit Card Online	$4.95	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

Nov 1, 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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