Aspen Federal Credit Union

Headquarters: Rapid City, South Dakota
Charter: Credit Union
Assets: $173.0M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $5, the middle of its prices
Aspen Federal Credit Union: $0 to $10
Aspen Federal Credit Union: $0 to $10
U.S. median: no median
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Aspen Federal Credit Union: $25 to $30
Aspen Federal Credit Union: $25 to $30
U.S. median: no median
NSF / Returned Item
Aspen Federal Credit Union: $30
Aspen Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 Aspen Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking Account monthly feeNo charge
per month
Monthly fee$10
per month
Closed Account Within 90 Days Opening$10
Dormant/Inactive account monthly fee$5
per month
Statement/Checkbook balancing$15
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$1
Return Mail Item$5

Overdraft & NSF

Overdraft Paid Item Fee$30
Overdraft Privilege Standard or Extended Coverage$30
per item
Overdrafts$25
Returned Item Fee (per presentment)$30
per item
Returned Item Fee ACH/EFT$30

ATM & Card

Card Replacement$6

Wire Transfers

Outgoing Wire (Domestic)$25
Outgoing Wire (International)$50

Check Services

Credit Union Check (Cashier’s Check)$3
Stop Pay of ACH/EFT$25
Stop Payment item$25
Check Cashing Fee (no relationship)$5

Cash & Deposit

Coin Machine Use1%
Returned Check$10

Account Services

10x10 (per box)$65
3x10 (per box)$35
5x10 (per box)$45
Drilling Fee (loss of both keys)$150
Not compared: Box drilling or key fee
Order/Levy/Garnishment (each)$150
per item

Lending Fees

Visa Late Payment$25
per item
Loan Modification$100

Gift & Prepaid Cards

Travel Card Reload Fee$2
Visa Gift Card$3

Other Fees

Overnight Mail$50
Copy Machine Use (per page)$0.10
per item
Fax Fee (per page)$2
per item
International Fax Fee (per page)$10
per item
Debit/Credit Loan Payment by Phone$20
per item
Loan Refinancing$100

Fee	Amount	Basis	Note
Account Maintenance
Checking Account monthly fee	No charge	per month	None
Monthly fee	$10	per month	None
Closed Account Within 90 Days Opening	$10	Not stated	None
Dormant/Inactive account monthly fee	$5	per month	None
Statement/Checkbook balancing	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$1	Not stated	None
Return Mail Item	$5	Not stated	None
Overdraft & NSF
Overdraft Paid Item Fee	$30	Not stated	None
Overdraft Privilege Standard or Extended Coverage	$30	per item	None
Overdrafts	$25	Not stated	None
Returned Item Fee (per presentment)	$30	per item	None
Returned Item Fee ACH/EFT	$30	Not stated	None
ATM & Card
Card Replacement	$6	Not stated	None
Wire Transfers
Outgoing Wire (Domestic)	$25	Not stated	None
Outgoing Wire (International)	$50	Not stated	None
Check Services
Credit Union Check (Cashier’s Check)	$3	Not stated	None
Stop Pay of ACH/EFT	$25	Not stated	None
Stop Payment item	$25	Not stated	None
Check Cashing Fee (no relationship)	$5	Not stated	None
Cash & Deposit
Coin Machine Use	1%	Not stated	None
Returned Check	$10	Not stated	None
Account Services
10x10 (per box)	$65	Not stated	None
3x10 (per box)	$35	Not stated	None
5x10 (per box)	$45	Not stated	None
Drilling Fee (loss of both keys)	$150Not compared: Box drilling or key fee	Not stated	None
Order/Levy/Garnishment (each)	$150	per item	None
Lending Fees
Visa Late Payment	$25	per item	None
Loan Modification	$100	Not stated	None
Gift & Prepaid Cards
Travel Card Reload Fee	$2	Not stated	None
Visa Gift Card	$3	Not stated	None
Other Fees
Overnight Mail	$50	Not stated	None
Copy Machine Use (per page)	$0.10	per item	None
Fax Fee (per page)	$2	per item	None
International Fax Fee (per page)	$10	per item	None
Debit/Credit Loan Payment by Phone	$20	per item	None
Loan Refinancing	$100	Not stated	None

Correct a fee source

Oct 9, 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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