Delta County Federal Credit Union

Headquarters: Delta, Colorado
Charter: Credit Union
Assets: $72.8M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 20, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
Delta County Federal Credit Union: $40
Delta County Federal Credit Union: $40
U.S. median: no median
Non-Network ATM
Delta County Federal Credit Union: $2
Delta County Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Delta County Federal Credit Union: $35
Delta County Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City 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).
Colorado: Banks and credit unions headquartered in Colorado that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Account: Early closure within 90 days$12.50
Account Reconciliation - per hour$45
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation - per hour | $45.00
Account Research - per hour$45
Not compared: Charged per hour; comparison unavailable
per hour · Account Research - per hour | $45.00
Returned Mail$15

Overdraft & NSF

NSF$40

ATM & Card

Atm withdrawals (over 6 per month)$2
per item
Atm Card replacement$15
Visa Debit Card replacement$15

Wire Transfers

Wire transfer - domestic - in/out$35

Check Services

Stop payment$35
Image Check Copy$5

Digital & Electronic

ACH Origination set-up$10
ACH Returned Fee (Per Item)$40
per item
Bill pay - donations fee$1.99
Bill pay - gift pay fee$2.99
Online Banking/Bill Pay/eStatementsNo charge

Cash & Deposit

Loose coin5%
Returned Deposit – Per Item$12
per item
Bag - locking - key replacement$10

Account Services

Garnishment/levy$75
Verification of deposit - loan account$10

Lending Fees

Late fee - Consumer Loan$25
Late fee - Mortgage Loan$50

Other Fees

Statement print out$6
Loan Application fee$45
Mortgage Payoff Request$25

Fee	Amount	Basis	Note
Account Maintenance
Account: Early closure within 90 days	$12.50	Not stated	None
Account Reconciliation - per hour	$45Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation - per hour \| $45.00
Account Research - per hour	$45Not compared: Charged per hour; comparison unavailable	per hour	Account Research - per hour \| $45.00
Returned Mail	$15	Not stated	None
Overdraft & NSF
NSF	$40	Not stated	None
ATM & Card
Atm withdrawals (over 6 per month)	$2	per item	None
Atm Card replacement	$15	Not stated	None
Visa Debit Card replacement	$15	Not stated	None
Wire Transfers
Wire transfer - domestic - in/out	$35	Not stated	None
Check Services
Stop payment	$35	Not stated	None
Image Check Copy	$5	Not stated	None
Digital & Electronic
ACH Origination set-up	$10	Not stated	None
ACH Returned Fee (Per Item)	$40	per item	None
Bill pay - donations fee	$1.99	Not stated	None
Bill pay - gift pay fee	$2.99	Not stated	None
Online Banking/Bill Pay/eStatements	No charge	Not stated	None
Cash & Deposit
Loose coin	5%	Not stated	None
Returned Deposit – Per Item	$12	per item	None
Bag - locking - key replacement	$10	Not stated	None
Account Services
Garnishment/levy	$75	Not stated	None
Verification of deposit - loan account	$10	Not stated	None
Lending Fees
Late fee - Consumer Loan	$25	Not stated	None
Late fee - Mortgage Loan	$50	Not stated	None
Other Fees
Statement print out	$6	Not stated	None
Loan Application fee	$45	Not stated	None
Mortgage Payoff Request	$25	Not stated	None

Correct a fee source

Oct 20, 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 Delta County Federal Credit Union's early account closure changes in our data

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