South Metro Federal Credit Union

Headquarters: Prior Lake, Minnesota
Charter: Credit Union
Assets: $184.8M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 5, 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
South Metro Federal Credit Union: $15
South Metro Federal Credit Union: $15
U.S. median: no median
Non-Network ATM
South Metro Federal Credit Union: $2
South Metro Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
South Metro Federal Credit Union: $30
South Metro Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 5, 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 South Metro Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$10
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Item$15
Overdraft Protection – Transfer From SavingsNo charge

ATM & Card

Other ATM Networks$2
per transaction
Replacement Debit Card$10
Expedited Card Delivery$55

Wire Transfers

Wire Services: Outgoing Domestic$30
Wire Services: Incoming Domestic$10
Wire Services: Outgoing International$50
Wire Services: Incoming International$20

Check Services

Cashiers Check$5
Money Order$2
Stop Payment – Check, ACH & Zelle$25
Collection Items$35
Foreign Check Collection$10
per item
Copy of Check$5

Digital & Electronic

Bill Pay MonthlyNo charge
per month
Bill Pay Per TransactionNo charge
Not compared: Per-transaction charge, not monthly
per transaction
Bill Pay Same Day$9.95
Not compared: Per-item charge, not monthly
per item
Mobile DepositNo charge

Cash & Deposit

Coin Counting MemberNo charge

Account Services

Notary Service MemberNo charge
Notary Service Non-Member$5
3 x 10 Box Rental$50
per year
3 x 5 Box Rental$35
per year
5 x 10 Box Rental$65
per year
Drilling of Box$200
Not compared: Box drilling or key fee
Replacement Key$25
Not compared: Box drilling or key fee
Garnishment$60
Tax Levy$60

Gift & Prepaid Cards

VISA Gift Card – Not Reloadable$5

Other Fees

Copy of Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Item	$15	Not stated	None
Overdraft Protection – Transfer From Savings	No charge	Not stated	None
ATM & Card
Other ATM Networks	$2	per transaction	None
Replacement Debit Card	$10	Not stated	None
Expedited Card Delivery	$55	Not stated	None
Wire Transfers
Wire Services: Outgoing Domestic	$30	Not stated	None
Wire Services: Incoming Domestic	$10	Not stated	None
Wire Services: Outgoing International	$50	Not stated	None
Wire Services: Incoming International	$20	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Order	$2	Not stated	None
Stop Payment – Check, ACH & Zelle	$25	Not stated	None
Collection Items	$35	Not stated	None
Foreign Check Collection	$10	per item	None
Copy of Check	$5	Not stated	None
Digital & Electronic
Bill Pay Monthly	No charge	per month	None
Bill Pay Per Transaction	No chargeNot compared: Per-transaction charge, not monthly	per transaction	None
Bill Pay Same Day	$9.95Not compared: Per-item charge, not monthly	per item	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Coin Counting Member	No charge	Not stated	None
Account Services
Notary Service Member	No charge	Not stated	None
Notary Service Non-Member	$5	Not stated	None
3 x 10 Box Rental	$50	per year	None
3 x 5 Box Rental	$35	per year	None
5 x 10 Box Rental	$65	per year	None
Drilling of Box	$200Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment	$60	Not stated	None
Tax Levy	$60	Not stated	None
Gift & Prepaid Cards
VISA Gift Card – Not Reloadable	$5	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None

Correct a fee source

Nov 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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