Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Trades & Labor Federal Credit Union

Albert Lea, MinnesotaCredit UnionMinneapolis Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation fee |$10Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=account_research; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Account Reconciliation fee | ....................... | $10.00 per account" · Source

Account Research fee |$15

$10 below the national median

Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=account_research; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Account Research fee | ....................... | $15.00 per hour" · Source

Inactive Account/Dormant fee |$25

$20 above the national median

Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=dormant_account; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Inactive Account/Dormant fee | ....................... | $25.00 per QTR after 12 months" · Source

Overdraft & NSFVerified

Overdraft fee |$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=overdraft; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Overdraft fee | ....................... | $30.00 per item" · Source
Return Check fee |$20Below the typical range ($25–$31 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=nsf; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Return Check fee | ....................... | $20.00" · Source
Returned Item fee |$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=nsf; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Returned Item fee | ....................... | $30.00 per item" · Source

ATM & CardVerified

Card Replacement fee |$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=card_replacement; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Card Replacement fee | ....................... | $5.00" · Source

Check ServicesVerified

Money Order fee |$2.50Within the typical range ($2–$3 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=money_order; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Money Order fee | ....................... | $2.50 per money order" · Source
Share Draft Copy Fee |$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=check_image; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Share Draft Copy Fee | ....................... | $2.00 per check" · Source
Stop Payment fee |$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=stop_payment; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Stop Payment fee | ....................... | $20.00 per request" · Source

Account ServicesVerified

Non-member notary |$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=notary_fee; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Non-member notary | ....................... | $5.00" · Source

Lending FeesVerified

Late fee after 15 days |$30Above the typical range ($15–$25 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=late_payment; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Late fee after 15 days | ....................... | $30.00" · Source
Late Payment fee |$20Within the typical range ($15–$25 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=late_payment; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Late Payment fee | ....................... | $20.00" · Source

Mortgage ServicingVerified

Duplicate Lien Release |$5Within the typical range ($5–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=mortgage_lien_release; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Duplicate Lien Release | ........................ | $5.00" · Source

Other FeesVerified

Statement Copy fee |$5Within the typical range ($2–$5 nationally)
$2 above the national median
per month · Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=document_reproduction; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Statement Copy fee | ....................... | $5.00 per month" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation fee \|	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=account_research; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Account Reconciliation fee \| ....................... \| $10.00 per account"	Source
Account Research fee \|	$15Below the typical range ($17.50–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=account_research; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Account Research fee \| ....................... \| $15.00 per hour"	Source
Inactive Account/Dormant fee \|	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=dormant_account; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Inactive Account/Dormant fee \| ....................... \| $25.00 per QTR after 12 months"	Source
Overdraft & NSFVerified
Overdraft fee \|	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=overdraft; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Overdraft fee \| ....................... \| $30.00 per item"	Source
Return Check fee \|
ATM & CardVerified
Card Replacement fee \|	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=card_replacement; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Card Replacement fee \| ....................... \| $5.00"	Source
Check ServicesVerified
Money Order fee \|	$2.50Within the typical range ($2–$3 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=money_order; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Money Order fee \| ....................... \| $2.50 per money order"	Source
Share Draft Copy Fee \|
Account ServicesVerified
Non-member notary \|	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=notary_fee; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Non-member notary \| ....................... \| $5.00"	Source
Lending FeesVerified
Late fee after 15 days \|	$30Above the typical range ($15–$25 nationally)	$7.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=late_payment; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Late fee after 15 days \| ....................... \| $30.00"	Source
Late Payment fee \|	$20
Mortgage ServicingVerified
Duplicate Lien Release \|	$5Within the typical range ($5–$15 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=mortgage_lien_release; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Duplicate Lien Release \| ........................ \| $5.00"	Source
Other FeesVerified
Statement Copy fee \|	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per month	Knox deterministic extraction from Rosetta artifact #8718. canonical_hint=document_reproduction; text_hash=86da363fa6e02d37f0c94c2eea293c623e25826263ff1b53422b7c1f91ef9ac8; excerpt="Statement Copy fee \| ....................... \| $5.00 per month"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 15 — leaner than most institutions

Headline fees published

4 of 15

Published fees

Under review

Assets

$23.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$23.0M

Total deposits

$19.4M

Service charge income (year to date)

$157K

Fee income ratio

20.2%

Return on assets

1.57%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 27,539 verified fees from 2,277 institutions

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