Minnesota Valley Federal Credit Union

Headquarters: Mankato, Minnesota
Charter: Credit Union
Assets: $329.0M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 24, 2026.

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Fees against the market

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

Monthly Maintenance
Second Checking (S9)
Can be waived with a balance of $100 or more.
Minnesota Valley Federal Credit Union: $2
Minnesota Valley Federal Credit Union: $2
U.S. median: no median
NSF / Returned Item
Minnesota Valley Federal Credit Union: $5
Minnesota Valley Federal Credit Union: $5
U.S. median: no median
Wire Transfer (Domestic Out)
Minnesota Valley Federal Credit Union: $25
Minnesota Valley Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 24, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, 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).
Minnesota: Banks and credit unions headquartered in Minnesota 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 Minnesota Valley Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Second Checking (S9) Monthly service fee$2
per month
Closed Account Charge - if closed within 90 days of opening (audience not stated, treated as personal)$10
Inactive Savings Account Charge (audience not stated, treated as personal)$3
Reconcilement Charge (checking account) (audience not stated, treated as personal)$30
Not compared: Charged per hour; comparison unavailable
per hour
Return Statement Charge (wrong address) (audience not stated, treated as personal)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Check conversion to cashier check charge (includes NSF checks) (audience not stated, treated as personal)$5
per item
Automatic Savings Transfer (overdraft protection)$2
per item

ATM & Card

Rush Order Charge (per card) (audience not stated, treated as personal)$30
per item

Wire Transfers

Outgoing Domestic Wire Transfer (audience not stated, treated as personal)$25
Incoming Wire (audience not stated, treated as personal)$10
Outgoing International Wire Transfer (audience not stated, treated as personal)$55

Check Services

Cashier Check Reissue Charge (after 91 days) (audience not stated, treated as personal)$10
per item
Stop Payment Charge ( Check, ACH or Bill Payer) (audience not stated, treated as personal)$20
Check Collection Charge on Foreign Country Checks (per item processing up to 2 weeks) (audience not stated, treated as personal)$50
per item
Foreign Item Deposits (processing up to 12 weeks) (audience not stated, treated as personal)$25
Check Copy Charge (audience not stated, treated as personal)$3
per item

Digital & Electronic

ACH Origination Payment Return Charge$19
per item

Cash & Deposit

Non-member Coin Counting (audience not stated, treated as personal)7%
Non-member Coin Counting 7% of total Reloadable Debit Card (audience not stated, treated as personal)$3.50
Cash Advance (audience not stated, treated as personal)$8

Account Services

Garnishment Processing Charge (audience not stated, treated as personal)$30

Gift & Prepaid Cards

11+ Travel/Gift Card (VISA)- Purchased in house (audience not stated, treated as personal)$2.95
Reload Fee (audience not stated, treated as personal)$2
Travel/Gift Card (VISA)- Mailed out (audience not stated, treated as personal)$3.95

Other Fees

Mortgage Loan Modification Charge (re-amortize) (audience not stated, treated as personal)$250

Fee	Amount	Basis	Note
Account Maintenance
Second Checking (S9) Monthly service fee	$2	per month	None
Closed Account Charge - if closed within 90 days of opening (audience not stated, treated as personal)	$10	Not stated	None
Inactive Savings Account Charge (audience not stated, treated as personal)	$3	Not stated	None
Reconcilement Charge (checking account) (audience not stated, treated as personal)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Return Statement Charge (wrong address) (audience not stated, treated as personal)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Check conversion to cashier check charge (includes NSF checks) (audience not stated, treated as personal)	$5	per item	None
Automatic Savings Transfer (overdraft protection)	$2	per item	None
ATM & Card
Rush Order Charge (per card) (audience not stated, treated as personal)	$30	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer (audience not stated, treated as personal)	$25	Not stated	None
Incoming Wire (audience not stated, treated as personal)	$10	Not stated	None
Outgoing International Wire Transfer (audience not stated, treated as personal)	$55	Not stated	None
Check Services
Cashier Check Reissue Charge (after 91 days) (audience not stated, treated as personal)	$10	per item	None
Stop Payment Charge ( Check, ACH or Bill Payer) (audience not stated, treated as personal)	$20	Not stated	None
Check Collection Charge on Foreign Country Checks (per item processing up to 2 weeks) (audience not stated, treated as personal)	$50	per item	None
Foreign Item Deposits (processing up to 12 weeks) (audience not stated, treated as personal)	$25	Not stated	None
Check Copy Charge (audience not stated, treated as personal)	$3	per item	None
Digital & Electronic
ACH Origination Payment Return Charge	$19	per item	None
Cash & Deposit
Non-member Coin Counting (audience not stated, treated as personal)	7%	Not stated	None
Non-member Coin Counting 7% of total Reloadable Debit Card (audience not stated, treated as personal)	$3.50	Not stated	None
Cash Advance (audience not stated, treated as personal)	$8	Not stated	None
Account Services
Garnishment Processing Charge (audience not stated, treated as personal)	$30	Not stated	None
Gift & Prepaid Cards
11+ Travel/Gift Card (VISA)- Purchased in house (audience not stated, treated as personal)	$2.95	Not stated	None
Reload Fee (audience not stated, treated as personal)	$2	Not stated	None
Travel/Gift Card (VISA)- Mailed out (audience not stated, treated as personal)	$3.95	Not stated	None
Other Fees
Mortgage Loan Modification Charge (re-amortize) (audience not stated, treated as personal)	$250	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

Oct 24, 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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