Wakota Federal Credit Union

Headquarters: South St Paul, Minnesota
Charter: Credit Union
Assets: $44.8M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
Wakota Federal Credit Union: $15
Wakota Federal Credit Union: $15
U.S. median: no median
Non-Network ATM
Compared at $1.75, the middle of its prices
Wakota Federal Credit Union: $1 to $2.50
Wakota Federal Credit Union: $1 to $2.50
U.S. median: no median
Stop Payment
Wakota Federal Credit Union: $30
Wakota Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 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 Wakota Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance (audience not stated, treated as personal)$15
per month

ATM & Card

Balance inquiry at ATM$1
per transaction
Transaction at non-affiliated ATM$2.50
per transaction
Debit card replacement (audience not stated, treated as personal)$15
Debit Card (Rush Order)$75
per item

Check Services

Certified check$5
per item
Stop payment (one item or series)$30
Collection item$30
per item
Cleared check copy fee$5
per item
Deposited check copy$5
per item

Cash & Deposit

Returned deposit /Loan payment$10
per item

Account Services

Notary service (non-member)$5
Box drilling fee$300
Not compared: Box drilling or key fee
Replacement key fee$100
Not compared: Box drilling or key fee
Including levy, writ, garnishment$50
per item
Subordination agreement$150
per item

Lending Fees

Late fee$10
Not compared: Monthly charge, not per item
per month

Gift & Prepaid Cards

Visa gift card$3
per item
Visa prepaid travel card$5
per item

Other Fees

Courier fee$50
per item
Statement copy$5
Loan document fee - consumer$75
per item
Loan document fee - real estate$250
per item
Skip-a-pay fee$50
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance (audience not stated, treated as personal)	$15	per month	None
ATM & Card
Balance inquiry at ATM	$1	per transaction	None
Transaction at non-affiliated ATM	$2.50	per transaction	None
Debit card replacement (audience not stated, treated as personal)	$15	Not stated	None
Debit Card (Rush Order)	$75	per item	None
Check Services
Certified check	$5	per item	None
Stop payment (one item or series)	$30	Not stated	None
Collection item	$30	per item	None
Cleared check copy fee	$5	per item	None
Deposited check copy	$5	per item	None
Cash & Deposit
Returned deposit /Loan payment	$10	per item	None
Account Services
Notary service (non-member)	$5	Not stated	None
Box drilling fee	$300Not compared: Box drilling or key fee	Not stated	None
Replacement key fee	$100Not compared: Box drilling or key fee	Not stated	None
Including levy, writ, garnishment	$50	per item	None
Subordination agreement	$150	per item	None
Lending Fees
Late fee	$10Not compared: Monthly charge, not per item	per month	None
Gift & Prepaid Cards
Visa gift card	$3	per item	None
Visa prepaid travel card	$5	per item	None
Other Fees
Courier fee	$50	per item	None
Statement copy	$5	Not stated	None
Loan document fee - consumer	$75	per item	None
Loan document fee - real estate	$250	per item	None
Skip-a-pay fee	$50	per item	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 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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