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

East River Federal Credit Union

Madison, South DakotaCredit UnionMinneapolis Fed districtFees collected Oct 5, 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 & Research: Non-Members$5Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Insufficient Funds (NSF) NSF Returned$30Within the typical range ($25–$31 nationally)
At the national median
Source
Overdraft Paid through Courtesy Pay$30Within the typical range ($25–$31 nationally)
At the national median
Source
Return Check Order for Incorrect Address$10Below the typical range ($25–$31 nationally)
$20 below the national median
Source

ATM & CardVerified

Foreign ATM – Per Transaction$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
per transaction · Source
Replacement Card Order$10Within the typical range ($5–$10 nationally)
At the national median
Source
Rush Card$25Below the typical range ($30–$50 nationally)
$15 below the national median
Source

Wire TransfersVerified

Incoming Wire$0Below the typical range ($5–$15 nationally)
$10 below the national median
Source
Outgoing Wire$25Within the typical range ($20–$25 nationally)
$2 above the national median
Source

Check ServicesVerified

CHECK CASHING ONUS | Members$0Below the typical range ($5–$10 nationally)
$5 below the national median
Source
CU Check Stop Payment$35Above the typical range ($20–$30 nationally)
$10 above the national median
Source
Temporary Checks, per 16 checks$5Above the typical range ($1–$4 nationally)
$3 above the national median
Source

Digital & ElectronicVerified

ACH Overdraft Return, per item$30Within the typical range ($19.50–$30 nationally)
$3 above the national median
per item · Source
ACH Returned for Non-Sufficient funds (NSF)$30Within the typical range ($19.50–$30 nationally)
$3 above the national median
Source

Cash & DepositVerified

Return Deposit Item$30Above the typical range ($10–$25 nationally)
$15 above the national median
Source
Zipper Bag$0Below the typical range ($5–$20 nationally)
$12.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation & Research: Non-Members	$5Below the typical range ($20–$25 nationally)	$20 below the national median	—	—	Source
Dormant Account -monthly	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Insufficient Funds (NSF) NSF Returned	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
Overdraft Paid through Courtesy Pay	$30
ATM & CardVerified
Foreign ATM – Per Transaction	$0Below the typical range ($1–$2.50 nationally)	$1.50 below the national median	per transaction	—	Source
Replacement Card Order	$10
Wire TransfersVerified
Incoming Wire	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	—	Source
Outgoing Wire	$25
Check ServicesVerified
CHECK CASHING ONUS \| Members	$0Below the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
CU Check Stop Payment	$35
Digital & ElectronicVerified
ACH Overdraft Return, per item	$30Within the typical range ($19.50–$30 nationally)	$3 above the national median	per item	—	Source
ACH Returned for Non-Sufficient funds (NSF)	$30
Cash & DepositVerified
Return Deposit Item	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	—	Source
Zipper Bag	$0
Account ServicesVerified
Legal Order/Levy (Compliance with)	$30Within the typical range ($30–$75 nationally)	$20 below 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.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 18 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$41.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$41.9M

Total deposits

$37.1M

Service charge income (year to date)

$134K

Fee income ratio

11.5%

Return on assets

1.16%

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 31,319 verified fees from 2,405 institutions

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