Explorers Federal Credit Union

Headquarters: Yankton, South Dakota
Charter: Credit Union
Assets: $111.5M
Fed district: Minneapolis

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.

Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Explorers Federal Credit Union: $5 to $30
Explorers Federal Credit Union: $5 to $30
U.S. median: no median
Non-Network ATM
Explorers Federal Credit Union: $1
Explorers Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Explorers Federal Credit Union: $15
Explorers Federal Credit Union: $15
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 South Dakota, the Minneapolis 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).
South Dakota: Banks and credit unions headquartered in South Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 Explorers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$5
per month
Account Reconciliation$5
Account Research$5
Returned Mail Fee$5

Overdraft & NSF

Advance fee per overdraft$5
per item
Overdraft (ACH NSF)$30
per item
Overdraft Transfer (from Shares)$5

ATM & Card

ATM Transaction$1
per item
Foreign Transaction Fee (Card)1%of the transaction
Foreign Transaction Fee (Card) (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer (Outgoing)$15
Wire Transfer (Incoming)$5

Check Services

Cashier’s Check$5
Money Order$1
per item
Stop Payment (Check or ACH)$30
per item
Draft (Check) Copy (front and back)$2

Digital & Electronic

Overdraft (ACH Non-Return)$30
per item
Online Bill Pay Transaction$0.50
Not compared: Per-item charge, not monthly
per item

Account Services

Safe Deposit Box Rent – 3″x10″ (Annual)$22.50
per year
Safe Deposit Box Rent – 3″x5″ (Annual)$12.50
per year
Compliance with Legal order/Levy$25

Other Fees

Copy of Tax Forms (1099, 1099R, 1098, or 5498)$2
Fax (Outgoing)$2
Photocopy$0.25
per item
Statement Copy$2
Loan Skip A Pay$35

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$5	per month	None
Account Reconciliation	$5	Not stated	None
Account Research	$5	Not stated	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Advance fee per overdraft	$5	per item	None
Overdraft (ACH NSF)	$30	per item	None
Overdraft Transfer (from Shares)	$5	Not stated	None
ATM & Card
ATM Transaction	$1	per item	None
Foreign Transaction Fee (Card)	1%of the transaction	Not stated	None
Foreign Transaction Fee (Card) (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$15	Not stated	None
Wire Transfer (Incoming)	$5	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Money Order	$1	per item	None
Stop Payment (Check or ACH)	$30	per item	None
Draft (Check) Copy (front and back)	$2	Not stated	None
Digital & Electronic
Overdraft (ACH Non-Return)	$30	per item	None
Online Bill Pay Transaction	$0.50Not compared: Per-item charge, not monthly	per item	None
Account Services
Safe Deposit Box Rent – 3″x10″ (Annual)	$22.50	per year	None
Safe Deposit Box Rent – 3″x5″ (Annual)	$12.50	per year	None
Compliance with Legal order/Levy	$25	Not stated	None
Other Fees
Copy of Tax Forms (1099, 1099R, 1098, or 5498)	$2	Not stated	None
Fax (Outgoing)	$2	Not stated	None
Photocopy	$0.25	per item	None
Statement Copy	$2	Not stated	None
Loan Skip A Pay	$35	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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