Ferguson Federal Credit Union

Headquarters: Monticello, Mississippi
Charter: Credit Union
Assets: $94.2M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 16, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Ferguson Federal Credit Union: $30
Ferguson Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Ferguson Federal Credit Union: $30
Ferguson Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Ferguson Federal Credit Union: $1
Ferguson Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Ferguson Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure (within first 12 months)$5
Inactive Account$10
Research/Reconciliation$100
Not compared: Charged per hour; comparison unavailable
per hour
HYMMA Excessive Withdrawal Fee$2
per transaction
Invalid Address$10
per month

Overdraft & NSF

Overdraft/Honor$30
per item
Returned Item for Insufficient Funds (NSF)$30
Share Overdraft Transfer Fee$3

ATM & Card

Out-of- Network ATM$1
per item
Plastic Replacement (Debit/CC)$10
International Transaction Fee1%of the transaction
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers – Outgoing$25
per item

Check Services

Official Check$5
per item
Official Checks/Money Orders (issued by FFCU) FreeNo charge
Money Order ($1000.00 limit)$1
per item
Official Checks/Money Orders (issued by FFCU) FreeNo charge
ACH Stop Payment$30
per transaction
Check/Draft Stop Payment$30
per item
Revoke Stop Payment$30
per item
Starter Checks$4
Check Cashing Fee$5
Check Copy$1
per item

Cash & Deposit

Coin Machine$150
Cash Advance Fee$10

Account Services

Drill Fee$350
Not compared: Box drilling or key fee
Key Replacement$150
Not compared: Box drilling or key fee
per item
Garnishment/Levies$100
per item

Lending Fees

Loan Late Payment4%($25 minimum)
UCC Release$15

Retirement & IRA

IRA Annual Maintenance Fee$10
per year
IRA Closure/Transfer$10
per item
IRA Early Withdrawal (if no RMD required)$25
IRA Early Withdrawal (Within first 6 months)$100

Other Fees

Statement Copy Fee (in branch)$2
per item
Statement Copy Fee (re-mailed)$3
per item
Loan Application Fee$15
Loan Documentation Fee (secured: auto, RV, boat)$100
Loan Documentation Fee (unsecured)$25
Mortgage Lien Release$35
Skip-A-Pay/Due Date Change$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (within first 12 months)	$5	Not stated	None
Inactive Account	$10	Not stated	None
Research/Reconciliation	$100Not compared: Charged per hour; comparison unavailable	per hour	None
HYMMA Excessive Withdrawal Fee	$2	per transaction	None
Invalid Address	$10	per month	None
Overdraft & NSF
Overdraft/Honor	$30	per item	None
Returned Item for Insufficient Funds (NSF)	$30	Not stated	None
Share Overdraft Transfer Fee	$3	Not stated	None
ATM & Card
Out-of- Network ATM	$1	per item	None
Plastic Replacement (Debit/CC)	$10	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers – Outgoing	$25	per item	None
Check Services
Official Check	$5	per item	None
Official Checks/Money Orders (issued by FFCU) Free	No charge	Not stated	None
Money Order ($1000.00 limit)	$1	per item	None
Official Checks/Money Orders (issued by FFCU) Free	No charge	Not stated	None
ACH Stop Payment	$30	per transaction	None
Check/Draft Stop Payment	$30	per item	None
Revoke Stop Payment	$30	per item	None
Starter Checks	$4	Not stated	None
Check Cashing Fee	$5	Not stated	None
Check Copy	$1	per item	None
Cash & Deposit
Coin Machine	$150	Not stated	None
Cash Advance Fee	$10	Not stated	None
Account Services
Drill Fee	$350Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$150Not compared: Box drilling or key fee	per item	None
Garnishment/Levies	$100	per item	None
Lending Fees
Loan Late Payment	4%($25 minimum)	Not stated	None
UCC Release	$15	Not stated	None
Retirement & IRA
IRA Annual Maintenance Fee	$10	per year	None
IRA Closure/Transfer	$10	per item	None
IRA Early Withdrawal (if no RMD required)	$25	Not stated	None
IRA Early Withdrawal (Within first 6 months)	$100	Not stated	None
Other Fees
Statement Copy Fee (in branch)	$2	per item	None
Statement Copy Fee (re-mailed)	$3	per item	None
Loan Application Fee	$15	Not stated	None
Loan Documentation Fee (secured: auto, RV, boat)	$100	Not stated	None
Loan Documentation Fee (unsecured)	$25	Not stated	None
Mortgage Lien Release	$35	Not stated	None
Skip-A-Pay/Due Date Change	$30	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Early Account Closure (within first 12 months)$5
Inactive Account$10
Research/Reconciliation$100
Not compared: Charged per hour; comparison unavailable
per hour
HYMMA Excessive Withdrawal Fee$2
per transaction
Invalid Address$10
per month

Overdraft & NSF

Overdraft/Honor$30
per item
Returned Item for Insufficient Funds (NSF)$30
Share Overdraft Transfer Fee$3

ATM & Card

Out-of- Network ATM$1
per item
Plastic Replacement (Debit/CC)$10
International Transaction Fee1%of the transaction

Wire Transfers

Wire Transfers – Outgoing$25
per item

Check Services

Official Check$5
per item
Official Checks/Money Orders (issued by FFCU) FreeNo charge
Money Order ($1000.00 limit)$1
per item
Official Checks/Money Orders (issued by FFCU) FreeNo charge
ACH Stop Payment$30
per transaction
Check/Draft Stop Payment$30
per item
Revoke Stop Payment$30
per item
Starter Checks$4
Check Cashing Fee$5
Check Copy$1
per item

Cash & Deposit

Coin Machine$150
Cash Advance Fee$10

Account Services

Drill Fee$350
Not compared: Box drilling or key fee
Key Replacement$150
Not compared: Box drilling or key fee
per item
Garnishment/Levies$100
per item

Lending Fees

Loan Late Payment4%($25 minimum)
UCC Release$15

Retirement & IRA

IRA Annual Maintenance Fee$10
per year
IRA Closure/Transfer$10
per item
IRA Early Withdrawal (if no RMD required)$25
IRA Early Withdrawal (Within first 6 months)$100

Other Fees

Statement Copy Fee (in branch)$2
per item
Statement Copy Fee (re-mailed)$3
per item
Loan Application Fee$15
Loan Documentation Fee (Business Non-Real Estate)$150
Loan Documentation Fee (Business Real Estate)$250
Loan Documentation Fee (secured: auto, RV, boat)$100
Loan Documentation Fee (unsecured)$25
Mortgage Lien Release$35
Skip-A-Pay/Due Date Change$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (within first 12 months)	$5	Not stated	None
Inactive Account	$10	Not stated	None
Research/Reconciliation	$100Not compared: Charged per hour; comparison unavailable	per hour	None
HYMMA Excessive Withdrawal Fee	$2	per transaction	None
Invalid Address	$10	per month	None
Overdraft & NSF
Overdraft/Honor	$30	per item	None
Returned Item for Insufficient Funds (NSF)	$30	Not stated	None
Share Overdraft Transfer Fee	$3	Not stated	None
ATM & Card
Out-of- Network ATM	$1	per item	None
Plastic Replacement (Debit/CC)	$10	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers – Outgoing	$25	per item	None
Check Services
Official Check	$5	per item	None
Official Checks/Money Orders (issued by FFCU) Free	No charge	Not stated	None
Money Order ($1000.00 limit)	$1	per item	None
Official Checks/Money Orders (issued by FFCU) Free	No charge	Not stated	None
ACH Stop Payment	$30	per transaction	None
Check/Draft Stop Payment	$30	per item	None
Revoke Stop Payment	$30	per item	None
Starter Checks	$4	Not stated	None
Check Cashing Fee	$5	Not stated	None
Check Copy	$1	per item	None
Cash & Deposit
Coin Machine	$150	Not stated	None
Cash Advance Fee	$10	Not stated	None
Account Services
Drill Fee	$350Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$150Not compared: Box drilling or key fee	per item	None
Garnishment/Levies	$100	per item	None
Lending Fees
Loan Late Payment	4%($25 minimum)	Not stated	None
UCC Release	$15	Not stated	None
Retirement & IRA
IRA Annual Maintenance Fee	$10	per year	None
IRA Closure/Transfer	$10	per item	None
IRA Early Withdrawal (if no RMD required)	$25	Not stated	None
IRA Early Withdrawal (Within first 6 months)	$100	Not stated	None
Other Fees
Statement Copy Fee (in branch)	$2	per item	None
Statement Copy Fee (re-mailed)	$3	per item	None
Loan Application Fee	$15	Not stated	None
Loan Documentation Fee (Business Non-Real Estate)	$150	Not stated	None
Loan Documentation Fee (Business Real Estate)	$250	Not stated	None
Loan Documentation Fee (secured: auto, RV, boat)	$100	Not stated	None
Loan Documentation Fee (unsecured)	$25	Not stated	None
Mortgage Lien Release	$35	Not stated	None
Skip-A-Pay/Due Date Change	$30	per item	None

Correct a fee source

Oct 16, 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

Get an email when Ferguson Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Ferguson Federal Credit Union: $30
Ferguson Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Ferguson Federal Credit Union: $30
Ferguson Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Ferguson Federal Credit Union: $1
Ferguson Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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.

Published fee schedule

Amounts from Ferguson Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure (within first 12 months)$5
Inactive Account$10
Research/Reconciliation$100
Not compared: Charged per hour; comparison unavailable
per hour
HYMMA Excessive Withdrawal Fee$2
per transaction
Invalid Address$10
per month

Overdraft & NSF

Overdraft/Honor$30
per item
Returned Item for Insufficient Funds (NSF)$30
Share Overdraft Transfer Fee$3

ATM & Card

Out-of- Network ATM$1
per item
Plastic Replacement (Debit/CC)$10
International Transaction Fee1%of the transaction
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers – Outgoing$25
per item

Check Services

Official Check$5
per item
Official Checks/Money Orders (issued by FFCU) FreeNo charge
Money Order ($1000.00 limit)$1
per item
Official Checks/Money Orders (issued by FFCU) FreeNo charge
ACH Stop Payment$30
per transaction
Check/Draft Stop Payment$30
per item
Revoke Stop Payment$30
per item
Starter Checks$4
Check Cashing Fee$5
Check Copy$1
per item

Cash & Deposit

Coin Machine$150
Cash Advance Fee$10

Account Services

Drill Fee$350
Not compared: Box drilling or key fee
Key Replacement$150
Not compared: Box drilling or key fee
per item
Garnishment/Levies$100
per item

Lending Fees

Loan Late Payment4%($25 minimum)
UCC Release$15

Retirement & IRA

IRA Annual Maintenance Fee$10
per year
IRA Closure/Transfer$10
per item
IRA Early Withdrawal (if no RMD required)$25
IRA Early Withdrawal (Within first 6 months)$100

Other Fees

Statement Copy Fee (in branch)$2
per item
Statement Copy Fee (re-mailed)$3
per item
Loan Application Fee$15
Loan Documentation Fee (secured: auto, RV, boat)$100
Loan Documentation Fee (unsecured)$25
Mortgage Lien Release$35
Skip-A-Pay/Due Date Change$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (within first 12 months)	$5	Not stated	None
Inactive Account	$10	Not stated	None
Research/Reconciliation	$100Not compared: Charged per hour; comparison unavailable	per hour	None
HYMMA Excessive Withdrawal Fee	$2	per transaction	None
Invalid Address	$10	per month	None
Overdraft & NSF
Overdraft/Honor	$30	per item	None
Returned Item for Insufficient Funds (NSF)	$30	Not stated	None
Share Overdraft Transfer Fee	$3	Not stated	None
ATM & Card
Out-of- Network ATM	$1	per item	None
Plastic Replacement (Debit/CC)	$10	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers – Outgoing	$25	per item	None
Check Services
Official Check	$5	per item	None
Official Checks/Money Orders (issued by FFCU) Free	No charge	Not stated	None
Money Order ($1000.00 limit)	$1	per item	None
Official Checks/Money Orders (issued by FFCU) Free	No charge	Not stated	None
ACH Stop Payment	$30	per transaction	None
Check/Draft Stop Payment	$30	per item	None
Revoke Stop Payment	$30	per item	None
Starter Checks	$4	Not stated	None
Check Cashing Fee	$5	Not stated	None
Check Copy	$1	per item	None
Cash & Deposit
Coin Machine	$150	Not stated	None
Cash Advance Fee	$10	Not stated	None
Account Services
Drill Fee	$350Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$150Not compared: Box drilling or key fee	per item	None
Garnishment/Levies	$100	per item	None
Lending Fees
Loan Late Payment	4%($25 minimum)	Not stated	None
UCC Release	$15	Not stated	None
Retirement & IRA
IRA Annual Maintenance Fee	$10	per year	None
IRA Closure/Transfer	$10	per item	None
IRA Early Withdrawal (if no RMD required)	$25	Not stated	None
IRA Early Withdrawal (Within first 6 months)	$100	Not stated	None
Other Fees
Statement Copy Fee (in branch)	$2	per item	None
Statement Copy Fee (re-mailed)	$3	per item	None
Loan Application Fee	$15	Not stated	None
Loan Documentation Fee (secured: auto, RV, boat)	$100	Not stated	None
Loan Documentation Fee (unsecured)	$25	Not stated	None
Mortgage Lien Release	$35	Not stated	None
Skip-A-Pay/Due Date Change	$30	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Early Account Closure (within first 12 months)$5
Inactive Account$10
Research/Reconciliation$100
Not compared: Charged per hour; comparison unavailable
per hour
HYMMA Excessive Withdrawal Fee$2
per transaction
Invalid Address$10
per month

Overdraft & NSF

Overdraft/Honor$30
per item
Returned Item for Insufficient Funds (NSF)$30
Share Overdraft Transfer Fee$3

ATM & Card

Out-of- Network ATM$1
per item
Plastic Replacement (Debit/CC)$10
International Transaction Fee1%of the transaction

Wire Transfers

Wire Transfers – Outgoing$25
per item

Check Services

Official Check$5
per item
Official Checks/Money Orders (issued by FFCU) FreeNo charge
Money Order ($1000.00 limit)$1
per item
Official Checks/Money Orders (issued by FFCU) FreeNo charge
ACH Stop Payment$30
per transaction
Check/Draft Stop Payment$30
per item
Revoke Stop Payment$30
per item
Starter Checks$4
Check Cashing Fee$5
Check Copy$1
per item

Cash & Deposit

Coin Machine$150
Cash Advance Fee$10

Account Services

Drill Fee$350
Not compared: Box drilling or key fee
Key Replacement$150
Not compared: Box drilling or key fee
per item
Garnishment/Levies$100
per item

Lending Fees

Loan Late Payment4%($25 minimum)
UCC Release$15

Retirement & IRA

IRA Annual Maintenance Fee$10
per year
IRA Closure/Transfer$10
per item
IRA Early Withdrawal (if no RMD required)$25
IRA Early Withdrawal (Within first 6 months)$100

Other Fees

Statement Copy Fee (in branch)$2
per item
Statement Copy Fee (re-mailed)$3
per item
Loan Application Fee$15
Loan Documentation Fee (Business Non-Real Estate)$150
Loan Documentation Fee (Business Real Estate)$250
Loan Documentation Fee (secured: auto, RV, boat)$100
Loan Documentation Fee (unsecured)$25
Mortgage Lien Release$35
Skip-A-Pay/Due Date Change$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (within first 12 months)	$5	Not stated	None
Inactive Account	$10	Not stated	None
Research/Reconciliation	$100Not compared: Charged per hour; comparison unavailable	per hour	None
HYMMA Excessive Withdrawal Fee	$2	per transaction	None
Invalid Address	$10	per month	None
Overdraft & NSF
Overdraft/Honor	$30	per item	None
Returned Item for Insufficient Funds (NSF)	$30	Not stated	None
Share Overdraft Transfer Fee	$3	Not stated	None
ATM & Card
Out-of- Network ATM	$1	per item	None
Plastic Replacement (Debit/CC)	$10	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers – Outgoing	$25	per item	None
Check Services
Official Check	$5	per item	None
Official Checks/Money Orders (issued by FFCU) Free	No charge	Not stated	None
Money Order ($1000.00 limit)	$1	per item	None
Official Checks/Money Orders (issued by FFCU) Free	No charge	Not stated	None
ACH Stop Payment	$30	per transaction	None
Check/Draft Stop Payment	$30	per item	None
Revoke Stop Payment	$30	per item	None
Starter Checks	$4	Not stated	None
Check Cashing Fee	$5	Not stated	None
Check Copy	$1	per item	None
Cash & Deposit
Coin Machine	$150	Not stated	None
Cash Advance Fee	$10	Not stated	None
Account Services
Drill Fee	$350Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$150Not compared: Box drilling or key fee	per item	None
Garnishment/Levies	$100	per item	None
Lending Fees
Loan Late Payment	4%($25 minimum)	Not stated	None
UCC Release	$15	Not stated	None
Retirement & IRA
IRA Annual Maintenance Fee	$10	per year	None
IRA Closure/Transfer	$10	per item	None
IRA Early Withdrawal (if no RMD required)	$25	Not stated	None
IRA Early Withdrawal (Within first 6 months)	$100	Not stated	None
Other Fees
Statement Copy Fee (in branch)	$2	per item	None
Statement Copy Fee (re-mailed)	$3	per item	None
Loan Application Fee	$15	Not stated	None
Loan Documentation Fee (Business Non-Real Estate)	$150	Not stated	None
Loan Documentation Fee (Business Real Estate)	$250	Not stated	None
Loan Documentation Fee (secured: auto, RV, boat)	$100	Not stated	None
Loan Documentation Fee (unsecured)	$25	Not stated	None
Mortgage Lien Release	$35	Not stated	None
Skip-A-Pay/Due Date Change	$30	per item	None

Correct a fee source

Oct 16, 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.