Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Ferguson Federal Credit Union

Monticello, MississippiCredit UnionAtlanta Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Early Account Closure (within first 12 months)$5Below the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #436. canonical_hint=early_closure; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Early Account Closure (within first 12 months) ............... $5.00" · Source

Inactive Account$10

$2 below the national median

Knox deterministic extraction from Rosetta artifact #436. canonical_hint=dormant_account; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Inactive Account ............................................................ $10.00" · Source

IRA Annual Maintenance Fee$10

$7.50 below the national median

per year · Knox deterministic extraction from Rosetta artifact #436. canonical_hint=monthly_maintenance; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="IRA Annual Maintenance Fee ....................................... $10.00" · Source

Research/Reconciliation$100

$85 above the national median

Knox deterministic extraction from Rosetta artifact #436. canonical_hint=account_research; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Research/Reconciliation ...... $100.00/hour – ½ hour minimum" · Source

Statement Copy Fee (in branch)$2

$1 below the national median

Knox deterministic extraction from Rosetta artifact #436. canonical_hint=paper_statement; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Statement Copy Fee (in branch) ............................. $2.00 each" · Source

Statement Copy Fee (re-mailed)$3

At the national median

Knox deterministic extraction from Rosetta artifact #436. canonical_hint=paper_statement; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Statement Copy Fee (re-mailed) ............................. $3.00 each" · Source

Overdraft & NSFVerified

Overdraft/Honor$30Within the typical range ($9.95–$35 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #426. canonical_hint=overdraft; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Overdraft/Honor .................................................... $30.00 each" · Source
Returned Item for Insufficient Funds (NSF)$30Within the typical range ($10–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=nsf; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Returned Item for Insufficient Funds (NSF) ............... $30.00" · Source
Share Overdraft Transfer Fee$3Below the typical range ($9.95–$35 nationally)
$22 below the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=overdraft; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Share Overdraft Transfer Fee ......................................... $3.00" · Source

ATM & CardVerified

Out-of- Network ATM...................$1Below the typical range ($2–$35 nationally)
$9 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #436. canonical_hint=atm_non_network; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Out-of- Network ATM................... $1.00 per transaction/inquiry" · Source
Plastic Replacement (Debit/CC)$10Within the typical range ($5–$16.25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=card_replacement; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Plastic Replacement (Debit/CC) ................................. $10.00)" · Source

Check ServicesVerified

ACH Stop Payment$30Within the typical range ($15–$30 nationally)
$5 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #436. canonical_hint=stop_payment; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="ACH Stop Payment ............................... $30.00 per transaction" · Source
Check Cashing Fee………………………………………….$5Within the typical range ($5–$100 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=check_cashing; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Check Cashing Fee………………………………………….$5.00" · Source
Check Copy$1Below the typical range ($2.75–$6.25 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=check_image; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Check Copy ............................................................. $1.00 each" · Source
Check/Draft Stop Payment$30Within the typical range ($15–$30 nationally)
$5 above the national median
per item · Knox deterministic extraction from Rosetta artifact #436. canonical_hint=stop_payment; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Check/Draft Stop Payment ............................. $30.00 per item" · Source
Money Order ($100Above the typical range ($2–$18.75 nationally)
$95 above the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=money_order; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Money Order ($1000.00 limit) ................................. $1.00 each" · Source
Official Check$5Within the typical range ($5–$12.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=cashiers_check; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Official Check ......................................................... $5.00 each" · Source
Official Check Stop Payment$30Above the typical range ($5–$12.50 nationally)
$25 above the national median
per item · Knox deterministic extraction from Rosetta artifact #436. canonical_hint=cashiers_check; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Official Check Stop Payment .......................... $30.00 per item" · Source

Cash & DepositVerified

Cash Advance Fee$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=cash_advance; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Cash Advance Fee ........................................................ $10.00" · Source

Account ServicesVerified

Drill Fee$350Above the typical range ($15–$75 nationally)
$320 above the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=safe_deposit_box; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Drill Fee .......................................................... $350.00 per lock" · Source
Garnishment/Levies$100Within the typical range ($22.50–$100 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=garnishment_levy; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Garnishment/Levies ........................................... $100.00 each" · Source
Mortgage Lien Release$35Within the typical range ($22.50–$100 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=legal_process; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Mortgage Lien Release ................................................. $35.00" · Source

Lending FeesVerified

Loan Late Payment .................................... 4 % w/$25Within the typical range ($15–$28.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=late_payment; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Loan Late Payment .................................... 4 % w/ $25.00 min" · Source

Retirement & IRAVerified

IRA Closure/Transfer.....................................................$10
Knox deterministic extraction from Rosetta artifact #436. canonical_hint=ira_termination; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="IRA Closure/Transfer..................................................... $10.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Early Account Closure (within first 12 months)	$5Below the typical range ($10–$25 nationally)	$17.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=early_closure; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Early Account Closure (within first 12 months) ............... $5.00"	Source
Inactive Account	$10Within the typical range ($5–$100 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=dormant_account; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Inactive Account ............................................................ $10.00"	Source
IRA Annual Maintenance Fee	$10Within the typical range ($5.96–$200 nationally)	$7.50 below the national median	per year	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=monthly_maintenance; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="IRA Annual Maintenance Fee ....................................... $10.00"	Source
Research/Reconciliation	$100Above the typical range ($5–$25 nationally)	$85 above the national median	—	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=account_research; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Research/Reconciliation ...... $100.00/hour – ½ hour minimum"	Source
Statement Copy Fee (in branch)	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=paper_statement; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Statement Copy Fee (in branch) ............................. $2.00 each"	Source
Statement Copy Fee (re-mailed)	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=paper_statement; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Statement Copy Fee (re-mailed) ............................. $3.00 each"	Source
Overdraft & NSFVerified
Overdraft/Honor	$30Within the typical range ($9.95–$35 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #426. canonical_hint=overdraft; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Overdraft/Honor .................................................... $30.00 each"	Source
Returned Item for Insufficient Funds (NSF)
ATM & CardVerified
Out-of- Network ATM...................	$1Below the typical range ($2–$35 nationally)	$9 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=atm_non_network; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Out-of- Network ATM................... $1.00 per transaction/inquiry"	Source
Plastic Replacement (Debit/CC)
Check ServicesVerified
ACH Stop Payment	$30Within the typical range ($15–$30 nationally)	$5 above the national median	per transaction	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=stop_payment; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="ACH Stop Payment ............................... $30.00 per transaction"	Source
Check Cashing Fee………………………………………….
Cash & DepositVerified
Cash Advance Fee	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=cash_advance; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Cash Advance Fee ........................................................ $10.00"	Source
Account ServicesVerified
Drill Fee	$350Above the typical range ($15–$75 nationally)	$320 above the national median	—	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=safe_deposit_box; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Drill Fee .......................................................... $350.00 per lock"	Source
Garnishment/Levies
Lending FeesVerified
Loan Late Payment .................................... 4 % w/	$25Within the typical range ($15–$28.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=late_payment; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="Loan Late Payment .................................... 4 % w/ $25.00 min"	Source
Retirement & IRAVerified
IRA Closure/Transfer.....................................................	$10	—	—	Knox deterministic extraction from Rosetta artifact #436. canonical_hint=ira_termination; text_hash=fd8c5b04e9f456b16cc35f5883a92c842d992ab95444884e87e02e83a588e114; excerpt="IRA Closure/Transfer..................................................... $10.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

20% above the national median overdraft fee

Total fees: 28

Verified fees

Under review

Assets

$94.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$94.2M

Total deposits

$83.1M

Service charge income (year to date)

$1.1M

Fee income ratio

26.1%

Return on assets

-0.05%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 5,739 verified fees from 1,547 institutions

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