Mutual First Federal Credit Union

Headquarters: Omaha, Nebraska
Charter: Credit Union
Assets: $124.8M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 29, 2026.

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Fees against the market

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

Monthly Maintenance
Mutual First Federal Credit Union: $15
Mutual First Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Mutual First Federal Credit Union: $32
Mutual First Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Mutual First Federal Credit Union: $3
Mutual First Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Nebraska, 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).
Nebraska: Banks and credit unions headquartered in Nebraska 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.

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Published fee schedule

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

Account Maintenance

Monthly Maintenance$15
per month
Below Minimum Balance (1st Rate and Silver & Gold Checking)$5
per month
Below Minimum Balance (First Money Market) (audience not stated, treated as personal)$15
per month
Fee for falling below the minimum balance$15
Early Account Closure Fee ( <90 days)$20
Save to Win Certificate early withdrawal fee (audience not stated, treated as personal)$25
one time
Inactive Membership$5
per month
Account Reconcilement and Research$50
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$5
Returned Mail$5

Overdraft & NSF

Non-Sufficient Funds$32
per item
Automatic Overdraft Transfer (Share or Loan)$2.50

ATM & Card

Foreign ATM Transaction (audience not stated, treated as personal)$3
per item
Card Replacement (audience not stated, treated as personal)$10
per item
New Card Overnight Rush (audience not stated, treated as personal)$75
one time

Wire Transfers

Outgoing Wires$25
Incoming Wires$20
International Wires$40

Check Services

Cashier & Teller Checks$5
Money Orders$3
Stop Payment$32
per item
Collection Item$20
Check Copy Fee$5
per item

Cash & Deposit

Returned Deposit$15

Account Services

Safe Deposit Box 10" x 10" (audience not stated, treated as personal)$80
Safe Deposit Box 3" x 10" (audience not stated, treated as personal)$40
Safe Deposit Box 3" x 5" (audience not stated, treated as personal)$30
Safe Deposit Box 5" x 10" (audience not stated, treated as personal)$55
Safe Deposit Box 5" x 5" (audience not stated, treated as personal)$35
Garnishment or Levy$85
Subordination Request (audience not stated, treated as personal)$75

Lending Fees

Late Payment (audience not stated, treated as personal)$30

Other Fees

Duplicate Statement Copies$5
Loan Extension (audience not stated, treated as personal)$50
Loan Modification (audience not stated, treated as personal)$50
Payoff Request (audience not stated, treated as personal)$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$15	per month	None
Below Minimum Balance (1st Rate and Silver & Gold Checking)	$5	per month	None
Below Minimum Balance (First Money Market) (audience not stated, treated as personal)	$15	per month	None
Fee for falling below the minimum balance	$15	Not stated	None
Early Account Closure Fee ( <90 days)	$20	Not stated	None
Save to Win Certificate early withdrawal fee (audience not stated, treated as personal)	$25	one time	None
Inactive Membership	$5	per month	None
Account Reconcilement and Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$5	Not stated	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Non-Sufficient Funds	$32	per item	None
Automatic Overdraft Transfer (Share or Loan)	$2.50	Not stated	None
ATM & Card
Foreign ATM Transaction (audience not stated, treated as personal)	$3	per item	None
Card Replacement (audience not stated, treated as personal)	$10	per item	None
New Card Overnight Rush (audience not stated, treated as personal)	$75	one time	None
Wire Transfers
Outgoing Wires	$25	Not stated	None
Incoming Wires	$20	Not stated	None
International Wires	$40	Not stated	None
Check Services
Cashier & Teller Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment	$32	per item	None
Collection Item	$20	Not stated	None
Check Copy Fee	$5	per item	None
Cash & Deposit
Returned Deposit	$15	Not stated	None
Account Services
Safe Deposit Box 10" x 10" (audience not stated, treated as personal)	$80	Not stated	None
Safe Deposit Box 3" x 10" (audience not stated, treated as personal)	$40	Not stated	None
Safe Deposit Box 3" x 5" (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 5" x 10" (audience not stated, treated as personal)	$55	Not stated	None
Safe Deposit Box 5" x 5" (audience not stated, treated as personal)	$35	Not stated	None
Garnishment or Levy	$85	Not stated	None
Subordination Request (audience not stated, treated as personal)	$75	Not stated	None
Lending Fees
Late Payment (audience not stated, treated as personal)	$30	Not stated	None
Other Fees
Duplicate Statement Copies	$5	Not stated	None
Loan Extension (audience not stated, treated as personal)	$50	Not stated	None
Loan Modification (audience not stated, treated as personal)	$50	Not stated	None
Payoff Request (audience not stated, treated as personal)	$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 29, 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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