Morehead Community Federal Credit Union

Headquarters: Morehead, Kentucky
Charter: Credit Union
Assets: $65.1M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

Overdraft (OD)
Morehead Community Federal Credit Union: $20
Morehead Community Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Morehead Community Federal Credit Union: $20
Morehead Community Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Morehead Community Federal Credit Union: $15
Morehead Community Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 Morehead Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactivity$5
Statement Reconciliation per hour (minimum $10.00)$10
Not compared: Charged per hour; comparison unavailable
per hour
Premier Checking: Printed Statements$3
per month
Money Market: Reg-D Excessive Withdrawals/Transfers (>6 per month)$10
per item
Returned Mailed Statement$5

Overdraft & NSF

Overdraft Protection Fee per Item$20
per item
Overdraft Returned Fee per Item (NSF)$20
per item
Overdraft Transfer (Per Day)$2
Not compared: Daily charge, not per item
per day

ATM & Card

Debit Card Replacement$5

Wire Transfers

Wire Transfer Out$15
International Wire Transfer Out$40

Check Services

Teller Check$3
Teller Check (4 free per month)$1
Stop Payment$15
Stop Payment on Teller Check$20
Copy of a draft or a Teller Check$3

Cash & Deposit

Deposit Item Returned$5

Account Services

Processing fee for Levy/Garnishment$25

Retirement & IRA

IRA Close Out Fee$5

Gift & Prepaid Cards

Visa Gift Cards$3

Other Fees

Photocopies/Fax (Per Page)$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copies (Per Page)$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Inactivity	$5	Not stated	None
Statement Reconciliation per hour (minimum $10.00)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Premier Checking: Printed Statements	$3	per month	None
Money Market: Reg-D Excessive Withdrawals/Transfers (>6 per month)	$10	per item	None
Returned Mailed Statement	$5	Not stated	None
Overdraft & NSF
Overdraft Protection Fee per Item	$20	per item	None
Overdraft Returned Fee per Item (NSF)	$20	per item	None
Overdraft Transfer (Per Day)	$2Not compared: Daily charge, not per item	per day	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Wire Transfers
Wire Transfer Out	$15	Not stated	None
International Wire Transfer Out	$40	Not stated	None
Check Services
Teller Check	$3	Not stated	None
Teller Check (4 free per month)	$1	Not stated	None
Stop Payment	$15	Not stated	None
Stop Payment on Teller Check	$20	Not stated	None
Copy of a draft or a Teller Check	$3	Not stated	None
Cash & Deposit
Deposit Item Returned	$5	Not stated	None
Account Services
Processing fee for Levy/Garnishment	$25	Not stated	None
Retirement & IRA
IRA Close Out Fee	$5	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$3	Not stated	None
Other Fees
Photocopies/Fax (Per Page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copies (Per Page)	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 26, 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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