vs. U.S. typical range:LowerTypicalHigher
$3 below the national median$6 below the South Dakota median
At the national medianAt the South Dakota median
$5 above the national median$5 above the South Dakota median
per quarter · Source
At the national medianAt the South Dakota median
per month · Source
$1 below the national median$1 below the South Dakota median
$7.50 below the national median$5 below the South Dakota median
$1 below the national median$1.24 below the South Dakota median
At the national medianAt the South Dakota median
$5 above the national median$5 above the South Dakota median
$2 below the national median$22 below the South Dakota median
$2 below the national median$2 below the South Dakota median
At the national median$0.50 below the South Dakota median
$1.50 above the national median$1 above the South Dakota median
$10 above the national median$10 above the South Dakota median
$5 below the national median$5 below the South Dakota median
$5 above the national median$5 above the South Dakota median
$3 below the national median$3 below the South Dakota median
At the national medianAt the South Dakota median
$2.50 above the national median$1 above the South Dakota median
per item · Source
$1 above the national medianAt the South Dakota median
per item · Source
At the national median$1.50 above the South Dakota median
$2 below the national median$0.50 below the South Dakota median
At the national medianAt the South Dakota median
per item · Source
At the national medianAt the South Dakota median
$2 below the national median$2 below the South Dakota median
per item · Source
$5 above the national median$5 above the South Dakota median
$5 below the national median$2.50 above the South Dakota median
At the national medianAt the South Dakota median
$25 below the national median$25 below the South Dakota median
$15 below the national median$10 below the South Dakota median
$1 below the national medianAt the South Dakota median
At the national median$1 above the South Dakota median
$2.50 below the national median$8.75 below the South Dakota median
$2.50 above the national median$3.75 below the South Dakota median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Minimum Balance Fee (Per Savings Account) | $4Below the typical range ($5–$10 nationally) | $3 below the national median$6 below the South Dakota median | — | — | Source |
| 120 daysof inactivity | $5Within the typical range ($5–$10 nationally) | At the national medianAt the South Dakota median | — | — | Source |
| Dormant Fee (Quarterly Charged) (7) | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the South Dakota median | per quarter | — | Source |
| Dormant-Inactive Account fee | $5Within the typical range ($5–$10 nationally) | At the national medianAt the South Dakota median | per month | — | Source |
| Inactivity Fee (Per Account) (3) | $4Below the typical range ($5–$10 nationally) | $1 below the national median$1 below the South Dakota median | — | — | Source |
| USPS Bad Address / Return Mail Fee (8) | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$5 below the South Dakota median | — | — | Source |
| Paper Statement Mail Fee (Under 16, Over 67 Exempt) | $2Within the typical range ($2–$4.93 nationally) | $1 below the national median$1.24 below the South Dakota median | — | — | Source |
Overdraft & NSFVerified | |||||
| Courtesy Pay Fee | $30Within the typical range ($25–$33 nationally) | At the national medianAt the South Dakota median | — | — | Source |
| NSF / Return Item Fee | $35 | ||||
ATM & CardVerified | |||||
| ATM Transactions at non Co-op ATMS Text a street address or zip code to 692667 my (co-op) to find the closest CO-OP ATM | $1.50Within the typical range ($1–$2.25 nationally) | At the national median$0.50 below the South Dakota median | — | — | Source |
| Foreign ATM Fee | $3 | ||||
Wire TransfersVerified | |||||
| Wire Out | $30Above the typical range ($20–$25 nationally) | $5 above the national median$5 above the South Dakota median | — | — | Source |
Check ServicesVerified | |||||
| Cashiers Check | $2Below the typical range ($3–$6 nationally) | $3 below the national median$3 below the South Dakota median | — | — | Source |
| Official Check Fee (5) | $5 | ||||
Digital & ElectronicVerified | |||||
| ACH Origination Set up fee | $15Within the typical range ($5–$20 nationally) | $5 above the national median$5 above the South Dakota median | — | — | Source |
Cash & DepositVerified | |||||
| Returned Deposited Items/Cashed Check | $10Within the typical range ($8–$25 nationally) | $5 below the national median$2.50 above the South Dakota median | — | — | Source |
Account ServicesVerified | |||||
| Garnishment / Levy Processing Fee (10) | $50Within the typical range ($30–$87.50 nationally) | At the national medianAt the South Dakota median | — | — | Source |
| Levy/Garnishment/ Tax Levy | $25 | ||||
Lending FeesVerified | |||||
| Loan Late Payment | $5Below the typical range ($10–$25 nationally) | $15 below the national median$10 below the South Dakota median | — | — | Source |
Other FeesVerified | |||||
| Copy of Statements (Current Year) per statement | $2Within the typical range ($2–$5 nationally) | $1 below the national medianAt the South Dakota median | — | — | Source |
| Copy of Statements (Previous Year) per statement | $3 | ||||
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$30.00
Of 60 others that publish it, 26 lower, 25 the same and 9 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$30
Headline fees published
11 of 15
Published fees
34
Under review
0
Assets
$16.5M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$16.5M
Total deposits
$14.7M
Service charge income (year to date)
$21K
Fee income ratio
4.7%
Return on assets
0.43%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $5 above the national median$5 above the South Dakota median |
| — |
| — |
| Source |
| Continuous OD fee per week starting on the 7th of negative balance | $3Below the typical range ($5–$15 nationally) | $2 below the national median$22 below the South Dakota median | — | — | Source |
| Overdraft Transfer Fee (Automatic Transfer from Savings to Checking) | $3Within the typical range ($2.50–$5 nationally) | $2 below the national median$2 below the South Dakota median | — | — | Source |
| $1.50 above the national median$1 above the South Dakota median |
| — |
| — |
| Source |
| Debit Card Replacement Fee | $20Above the typical range ($5–$10 nationally) | $10 above the national median$10 above the South Dakota median | — | — | Source |
| Replace Lost/Broken Debit Card | $5Within the typical range ($5–$10 nationally) | $5 below the national median$5 below the South Dakota median | — | — | Source |
| At the national medianAt the South Dakota median |
| — |
| — |
| Source |
| Stop Payment Fee (Draft / ACH / Check) | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$1 above the South Dakota median | per item | — | Source |
| Counter Checks | $3Within the typical range ($1–$4 nationally) | $1 above the national medianAt the South Dakota median | per item | — | Source |
| Check Cashing | $5Within the typical range ($5–$10 nationally) | At the national median$1.50 above the South Dakota median | — | — | Source |
| Check Cashing Fee (6) | $3Below the typical range ($5–$10 nationally) | $2 below the national median$0.50 below the South Dakota median | — | — | Source |
| Check Copy | $3Within the typical range ($2–$5 nationally) | At the national medianAt the South Dakota median | per item | — | Source |
| Check Copy / Statement Copy (5) | $3Within the typical range ($2–$5 nationally) | At the national medianAt the South Dakota median | — | — | Source |
| Look up Check/Copy per check | $1Below the typical range ($2–$5 nationally) | $2 below the national median$2 below the South Dakota median | per item | — | Source |
| $25 below the national median$25 below the South Dakota median |
| — |
| — |
| Source |
| At the national median$1 above the South Dakota median |
| — |
| — |
| Source |
| Loan Application Fee (Excludes Loan Specials) | $35Within the typical range ($25–$100 nationally) | $2.50 below the national median$8.75 below the South Dakota median | — | — | Source |
| Loan Processing Fee | $40Within the typical range ($25–$100 nationally) | $2.50 above the national median$3.75 below the South Dakota median | — | — | Source |