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

Spirit Of America Federal Credit Union

Lincoln, NebraskaCredit UnionKansas City Fed districtFees collected Oct 5, 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 Closed within 90 days of Opening (Share or Share Draft)$30Above the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=early_closure; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Account Closed within 90 days of Opening (Share or Share Draft) | $30.00 each account" · Source

Account Research$30

$5 above the national median

Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=account_research; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Account Research | $30.00 per hour" · Source

Overdraft & NSFVerified

Non-Sufficient Funds$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=nsf; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Non-Sufficient Funds | $30.00 per presentment" · Source

ATM & CardVerified

Replacement Card$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=card_replacement; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Replacement Card | $10.00 each card" · Source

Wire TransfersVerified

Incoming Wire Transfers$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=wire_domestic_incoming; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Incoming Wire Transfers | $10.00 per transfer" · Source
Outgoing Wire Transfers$20Within the typical range ($20–$25 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=wire_domestic_outgoing; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Outgoing Wire Transfers | $20.00 per transfer" · Source

Check ServicesVerified

Cashier and Teller Check$5Within the typical range ($3–$6 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=cashiers_check; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Cashier and Teller Check | $5.00 per item" · Source
Copy of Paid Draft$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=check_image; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Copy of Paid Draft | $2.00 per draft, when photocopy of paid draft requested" · Source
Money Order$2Within the typical range ($1.75–$3 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=money_order; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Money Order | $2.00 per item" · Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$4.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=stop_payment; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Stop Payment | $30.00 per item" · Source

Cash & DepositVerified

Deposited Item Return$30Above the typical range ($10–$25 nationally)
$15 above the national median
per item · Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=deposited_item_return; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Deposited Item Return | $30.00 per item" · Source

Account ServicesVerified

Garnishment, Tax Levy, Etc.$30Within the typical range ($30–$75 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=garnishment_levy; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Garnishment, Tax Levy, Etc. | $30.00 each" · Source

Lending FeesVerified

Late Fee on Loan Payments After 10 Days$25Within the typical range ($15–$25 nationally)
$0.75 above the national median
Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=late_payment; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Late Fee on Loan Payments After 10 Days | $25.00 per payment" · Source

Retirement & IRAVerified

IRA Account Closure Prior to Age 59 1/2$30Within the typical range ($25–$35 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=ira_termination; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="IRA Account Closure Prior to Age 59 1/2 | $30.00" · Source

Gift & Prepaid CardsVerified

Visa Gift Card$3Within the typical range ($3–$4.50 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=gift_card_purchase; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Visa Gift Card | $3.00 each" · Source

Other FeesVerified

Statement Copy$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=document_reproduction; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Statement Copy | $3.00 each" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed within 90 days of Opening (Share or Share Draft)	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=early_closure; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Account Closed within 90 days of Opening (Share or Share Draft) \| $30.00 each account"	Source
Account Research	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=account_research; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Account Research \| $30.00 per hour"	Source
Overdraft & NSFVerified
Non-Sufficient Funds	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=nsf; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Non-Sufficient Funds \| $30.00 per presentment"	Source
ATM & CardVerified
Replacement Card	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=card_replacement; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Replacement Card \| $10.00 each card"	Source
Wire TransfersVerified
Incoming Wire Transfers	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=wire_domestic_incoming; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Incoming Wire Transfers \| $10.00 per transfer"	Source
Outgoing Wire Transfers
Check ServicesVerified
Cashier and Teller Check	$5Within the typical range ($3–$6 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=cashiers_check; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Cashier and Teller Check \| $5.00 per item"	Source
Copy of Paid Draft
Cash & DepositVerified
Deposited Item Return	$30Above the typical range ($10–$25 nationally)	$15 above the national median	per item	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=deposited_item_return; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Deposited Item Return \| $30.00 per item"	Source
Account ServicesVerified
Garnishment, Tax Levy, Etc.	$30Within the typical range ($30–$75 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=garnishment_levy; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Garnishment, Tax Levy, Etc. \| $30.00 each"	Source
Lending FeesVerified
Late Fee on Loan Payments After 10 Days	$25Within the typical range ($15–$25 nationally)	$0.75 above the national median	—	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=late_payment; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Late Fee on Loan Payments After 10 Days \| $25.00 per payment"	Source
Retirement & IRAVerified
IRA Account Closure Prior to Age 59 1/2	$30Within the typical range ($25–$35 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=ira_termination; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="IRA Account Closure Prior to Age 59 1/2 \| $30.00"	Source
Gift & Prepaid CardsVerified
Visa Gift Card	$3Within the typical range ($3–$4.50 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=gift_card_purchase; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Visa Gift Card \| $3.00 each"	Source
Other FeesVerified
Statement Copy	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #9364. canonical_hint=document_reproduction; text_hash=5ba8cb114ec69d86dfcc97d717c55a93ad81b807809a228c9b9a14f82f578d18; excerpt="Statement Copy \| $3.00 each"	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.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 16 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$53.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$53.2M

Total deposits

$46.0M

Service charge income (year to date)

$87K

Fee income ratio

7.3%

Return on assets

1.45%

Financial profile · Pro

Performance from regulator filings

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

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 28,880 verified fees from 2,290 institutions

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