St. Paul Federal Credit Union

Headquarters: Saint Paul, Minnesota
Charter: Credit Union
Assets: $252.1M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 27, 2026.

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Fees against the market

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

Overdraft (OD)
St. Paul Federal Credit Union: $33
St. Paul Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
St. Paul Federal Credit Union: $33
St. Paul Federal Credit Union: $33
U.S. median: no median
Wire Transfer (Domestic Out)
St. Paul Federal Credit Union: $25
St. Paul 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 27, 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 St. Paul Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Membership Closure Fee (if closed within 90 days)$5
Inactive Account$10
per month
Account Research & Balancing Assistance ($30 min)$30
Account Research & Balancing Assistance$30
Undeliverable Mail$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (each overdraft paid)$33
per item
Non-Sufficient Funds (each item)$33
per item

ATM & Card

Rush Fee (letters, debit/credit cards, pins, checks, etc.)$50
per item

Wire Transfers

Wire Transfer—Outgoing Domestic$25
Wire Transfer—Incoming$5
Wire Transfer—Outgoing International$55

Check Services

Cashiers Check$5
Reissue of Cashiers Check$5
Money Order ($1,000 maximum per item)$3
per item
Stop Payment$33
Non-Member Check Cashing (on us only)$5
Collection Item$30
Copy of Cleared Check (free on internet)$5

Digital & Electronic

Bill Pay—Free with Checking AccountNo charge

Cash & Deposit

Deposited Checks Returned Unpaid (each item)$33
per item

Account Services

Garnishments$75
Levies$75
Mortgage Subordination$150

Lending Fees

Late Fee on Mortgage Loans5%
Late Fee on Mortgage Loans (audience not stated, treated as personal)5%

Retirement & IRA

IRA Closing Fee$30

Other Fees

Copy of Statement (free on internet)$5
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page · Photocopies | $.25 per page
Duplicate Lien Release$15
Duplicate Mortgage Satisfaction$25
Skip A Payment – Single Loan Package$75
Skip A Payment – Single Payment Skip$35

Fee	Amount	Basis	Note
Account Maintenance
Early Membership Closure Fee (if closed within 90 days)	$5	Not stated	None
Inactive Account	$10	per month	None
Account Research & Balancing Assistance ($30 min)	$30	Not stated	None
Account Research & Balancing Assistance	$30	Not stated	None
Undeliverable Mail	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (each overdraft paid)	$33	per item	None
Non-Sufficient Funds (each item)	$33	per item	None
ATM & Card
Rush Fee (letters, debit/credit cards, pins, checks, etc.)	$50	per item	None
Wire Transfers
Wire Transfer—Outgoing Domestic	$25	Not stated	None
Wire Transfer—Incoming	$5	Not stated	None
Wire Transfer—Outgoing International	$55	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Reissue of Cashiers Check	$5	Not stated	None
Money Order ($1,000 maximum per item)	$3	per item	None
Stop Payment	$33	Not stated	None
Non-Member Check Cashing (on us only)	$5	Not stated	None
Collection Item	$30	Not stated	None
Copy of Cleared Check (free on internet)	$5	Not stated	None
Digital & Electronic
Bill Pay—Free with Checking Account	No charge	Not stated	None
Cash & Deposit
Deposited Checks Returned Unpaid (each item)	$33	per item	None
Account Services
Garnishments	$75	Not stated	None
Levies	$75	Not stated	None
Mortgage Subordination	$150	Not stated	None
Lending Fees
Late Fee on Mortgage Loans	5%	Not stated	None
Late Fee on Mortgage Loans (audience not stated, treated as personal)	5%	Not stated	None
Retirement & IRA
IRA Closing Fee	$30	Not stated	None
Other Fees
Copy of Statement (free on internet)	$5	Not stated	None
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	Photocopies \| $.25 per page
Duplicate Lien Release	$15	Not stated	None
Duplicate Mortgage Satisfaction	$25	Not stated	None
Skip A Payment – Single Loan Package	$75	Not stated	None
Skip A Payment – Single Payment Skip	$35	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 27, 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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