Carpenters Federal Credit Union

Headquarters: Saint Paul, Minnesota
Charter: Credit Union
Assets: $44.3M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

NSF / Returned Item
Carpenters Federal Credit Union: $30
Carpenters Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Carpenters Federal Credit Union: $3
Carpenters Federal Credit Union: $3
U.S. median: no median
Wire Transfer (Domestic Out)
Carpenters Federal Credit Union: $30
Carpenters 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 16, 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 Carpenters Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$20
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement Fee$5
per item
Bad Address – No Forwarding or Returned$10
Not compared: Per-item charge, not monthly
per item
Bad Address – No Forwarding or Returned Statement/Mail$5
per month

Overdraft & NSF

Non-Sufficient Funds Items$30
per item
Negative Balance Fee$30
Manual Transfer to Avoid Overdraft$5
per item

ATM & Card

5 or more ATM withdrawals in a single month$3
per item

Wire Transfers

Wire Transfer (domestic)$30
per item

Check Services

Withdrawal by Official Check Payable to Others$5
per item
Stop Payment Fee$30
per item
Non-Member Check Cashing On Us Fee$20
per item
Photocopy of Check$10
per item

Digital & Electronic

Bill Pay$4.95
per month

Cash & Deposit

Cash Advance (VISA)$20
per item
Returned Deposit/Loan Payment$30
per item

Account Services

Levy/Garnishment$50
per item

Gift & Prepaid Cards

VISA Gift Cards$2.50
per item

Other Fees

Copy of Statement$10
per item
History Copy Fee$5
Loan Modification Fee$300

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$20	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement Fee	$5	per item	None
Bad Address – No Forwarding or Returned	$10Not compared: Per-item charge, not monthly	per item	None
Bad Address – No Forwarding or Returned Statement/Mail	$5	per month	None
Overdraft & NSF
Non-Sufficient Funds Items	$30	per item	None
Negative Balance Fee	$30	Not stated	None
Manual Transfer to Avoid Overdraft	$5	per item	None
ATM & Card
5 or more ATM withdrawals in a single month	$3	per item	None
Wire Transfers
Wire Transfer (domestic)	$30	per item	None
Check Services
Withdrawal by Official Check Payable to Others	$5	per item	None
Stop Payment Fee	$30	per item	None
Non-Member Check Cashing On Us Fee	$20	per item	None
Photocopy of Check	$10	per item	None
Digital & Electronic
Bill Pay	$4.95	per month	None
Cash & Deposit
Cash Advance (VISA)	$20	per item	None
Returned Deposit/Loan Payment	$30	per item	None
Account Services
Levy/Garnishment	$50	per item	None
Gift & Prepaid Cards
VISA Gift Cards	$2.50	per item	None
Other Fees
Copy of Statement	$10	per item	None
History Copy Fee	$5	Not stated	None
Loan Modification Fee	$300	Not stated	None

Correct a fee source

Oct 16, 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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