Mississippi Highway Safty Pat Federal Credit Union

Headquarters: Jackson, Mississippi
Charter: Credit Union
Assets: $13.1M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 20, 2026.

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Fees against the market

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

Overdraft (OD)
Mississippi Highway Safty Pat Federal Credit Union: $30
Mississippi Highway Safty Pat Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Mississippi Highway Safty Pat Federal Credit Union: $30
Mississippi Highway Safty Pat Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Mississippi Highway Safty Pat Federal Credit Union: $1.25
Mississippi Highway Safty Pat Federal Credit Union: $1.25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

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

Account Maintenance

Closed Account$10
per item
Inactive/Dormant: Charged when an account is inactive/dormant for 6 or more months with a balance under $100.00$5
Charged when the credit union performs account research. (minimum 1-hour charge)$25
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconcilement$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay (Check/ACH/Debit Card/ATM): Charged when an item/ATM withdrawal is presented against a checking account th$30
Non-Sufficient Funds (Check/ACH/Debit Card)$30

ATM & Card

Charged for withdrawals from an ATM. The first four (4) per month are free$1.25
Charged when the CU orders a replacement ATM/debit card$10

Wire Transfers

Incoming Wire$5

Check Services

Charged for the purchase of a cashier's check$5
Charged when the CU places a stop payment on a credit-union-issued check$36
Stop Payment Member Check or ACH Item$25
Charged when the CU makes a copy of a cleared check/draft$5
per item

Cash & Deposit

Returned Deposit Item: Charged for deposits/payments that are returned to the credit union stamped “Non-Sufficient Fund$10

Lending Fees

Visa Credit Card Late Fee$20

Other Fees

Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Closed Account	$10	per item	None
Inactive/Dormant: Charged when an account is inactive/dormant for 6 or more months with a balance under $100.00	$5	Not stated	None
Charged when the credit union performs account research. (minimum 1-hour charge)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconcilement	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay (Check/ACH/Debit Card/ATM): Charged when an item/ATM withdrawal is presented against a checking account th	$30	Not stated	None
Non-Sufficient Funds (Check/ACH/Debit Card)	$30	Not stated	None
ATM & Card
Charged for withdrawals from an ATM. The first four (4) per month are free	$1.25	Not stated	None
Charged when the CU orders a replacement ATM/debit card	$10	Not stated	None
Wire Transfers
Incoming Wire	$5	Not stated	None
Check Services
Charged for the purchase of a cashier's check	$5	Not stated	None
Charged when the CU places a stop payment on a credit-union-issued check	$36	Not stated	None
Stop Payment Member Check or ACH Item	$25	Not stated	None
Charged when the CU makes a copy of a cleared check/draft	$5	per item	None
Cash & Deposit
Returned Deposit Item: Charged for deposits/payments that are returned to the credit union stamped “Non-Sufficient Fund	$10	Not stated	None
Lending Fees
Visa Credit Card Late Fee	$20	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 20, 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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