School District 3 Federal Credit Union

Headquarters: Colorado Springs, Colorado
Charter: Credit Union
Assets: $36.0M
Fed district: Kansas City

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

Overdraft (OD)
School District 3 Federal Credit Union: $30
School District 3 Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
School District 3 Federal Credit Union: $30
School District 3 Federal Credit Union: $30
U.S. median: no median
Stop Payment
School District 3 Federal Credit Union: $25
School District 3 Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City 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).
Colorado: Banks and credit unions headquartered in Colorado that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 School District 3 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (monthly after one year inactive)$10
per month
Account Printout$2
per item
Research/Reconciliation (per 1/2 hr)$15

Overdraft & NSF

Courtesy Pay (overdraft) item paid$30
Non-sufficient Funds (NSF)$30
Overdraft Transfer Fee$2

Check Services

Stop Payment$25
Temporary Checks$2
per item · per sheet (4 checks per sheet)
Temporary Checks (per sheet/4 checks per sheet)$2
per item
Check Cashing Fee(without $100 average balance or atleast 2 Services)$5
Check Copies$3

Cash & Deposit

Return Deposited Item (member check from another institution)$30
Return Deposited Item- Two Party$10

Retirement & IRA

IRA Annual Fee$5
per year
IRA Closing Fee$10

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (monthly after one year inactive)	$10	per month	None
Account Printout	$2	per item	None
Research/Reconciliation (per 1/2 hr)	$15	Not stated	None
Overdraft & NSF
Courtesy Pay (overdraft) item paid	$30	Not stated	None
Non-sufficient Funds (NSF)	$30	Not stated	None
Overdraft Transfer Fee	$2	Not stated	None
Check Services
Stop Payment	$25	Not stated	None
Temporary Checks	$2	per item	per sheet (4 checks per sheet)
Temporary Checks (per sheet/4 checks per sheet)	$2	per item	None
Check Cashing Fee(without $100 average balance or atleast 2 Services)	$5	Not stated	None
Check Copies	$3	Not stated	None
Cash & Deposit
Return Deposited Item (member check from another institution)	$30	Not stated	None
Return Deposited Item- Two Party	$10	Not stated	None
Retirement & IRA
IRA Annual Fee	$5	per year	None
IRA Closing Fee	$10	Not stated	None

Correct a fee source

Feb 17, 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.

Fee change alerts

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