1St Mississippi Federal Credit Union

Headquarters: Meridian, Mississippi
Charter: Credit Union
Assets: $82.8M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
Reg. Checking Account
1St Mississippi Federal Credit Union: $5
1St Mississippi Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
1St Mississippi Federal Credit Union: $30
1St Mississippi Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
1St Mississippi Federal Credit Union: $30
1St Mississippi 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 5, 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 1St Mississippi Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Reg. Checking Account Monthly service charge (audience not stated, treated as personal)$5
per month
Below Minimum Balance$5
Dormant Account$5
per month
Escheat Fee$50
Account Research/Balancing$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Address Change$3

Overdraft & NSF

Overdraft Privilege Charge$30
Check Returned for Non-Sufficient Funds (NSF) .$30

ATM & Card

Foreign ATM Transaction$1
per transaction
Replacement Debit Card$5

Wire Transfers

Outgoing Wires$12.50
Incoming Wires$10
Transaction: International Outgoing Wires$37.50
per transaction
International Incoming Wires$17.50

Check Services

Official Check$3
Money Order (>2)$2
Stop Payment$30
Non-1st Mississippi FCU Check Cashing$3

Digital & Electronic

Expedited Bill Payment Fee$30

Cash & Deposit

Return Deposited Item$10

Account Services

Notary (Members)No charge
Notary (Non-Members)$5

Retirement & IRA

IRA Transfer to another institution$25

Other Fees

UPS Loan Postage Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Reg. Checking Account Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Below Minimum Balance	$5	Not stated	None
Dormant Account	$5	per month	None
Escheat Fee	$50	Not stated	None
Account Research/Balancing	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Address Change	$3	Not stated	None
Overdraft & NSF
Overdraft Privilege Charge	$30	Not stated	None
Check Returned for Non-Sufficient Funds (NSF) .	$30	Not stated	None
ATM & Card
Foreign ATM Transaction	$1	per transaction	None
Replacement Debit Card	$5	Not stated	None
Wire Transfers
Outgoing Wires	$12.50	Not stated	None
Incoming Wires	$10	Not stated	None
Transaction: International Outgoing Wires	$37.50	per transaction	None
International Incoming Wires	$17.50	Not stated	None
Check Services
Official Check	$3	Not stated	None
Money Order (>2)	$2	Not stated	None
Stop Payment	$30	Not stated	None
Non-1st Mississippi FCU Check Cashing	$3	Not stated	None
Digital & Electronic
Expedited Bill Payment Fee	$30	Not stated	None
Cash & Deposit
Return Deposited Item	$10	Not stated	None
Account Services
Notary (Members)	No charge	Not stated	None
Notary (Non-Members)	$5	Not stated	None
Retirement & IRA
IRA Transfer to another institution	$25	Not stated	None
Other Fees
UPS Loan Postage Fee	$25	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 5, 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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