Spirit Of America Federal Credit Union

Headquarters: Lincoln, Nebraska
Charter: Credit Union
Assets: $53.2M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 27, 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
Spirit Of America Federal Credit Union: $30
Spirit Of America Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Spirit Of America Federal Credit Union: $2
Spirit Of America Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Spirit Of America Federal Credit Union: $20
Spirit Of America Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 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 Spirit Of America Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closed within 90 days of Opening (Share or Share Draft)$30
per item
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $30.00 per hour
Address Correction Notice (Notice Received from Post Office)$2
Not compared: Per-item charge, not monthly
per item
Undeliverable Statement Return$5
per month

Overdraft & NSF

Non-Sufficient ACH Item$30
per item
Non-Sufficient Funds$30
per item
Continuous Negative Balance$3
per day

ATM & Card

ATM Balance Inquiry$2
per item
Replacement Card$10
per item

Wire Transfers

Outgoing Wire Transfers$20
per item
Incoming Wire Transfers$10
per item

Check Services

Cashier and Teller Check$5
per item
Money Order$2
per item
Stop Payment$30
per item
Copy of Paid Draft$2
per item

Cash & Deposit

Counting Coin10%
Deposited Item Return$30
per item

Account Services

Garnishment, Tax Levy, Etc$30
per item

Lending Fees

Late Fee on Loan Payments After 10 Days$25
per item

Retirement & IRA

IRA Account Closure Prior to Age 59 1/2$30

Gift & Prepaid Cards

Visa Gift Card$3
per item

Other Fees

Statement Copy$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 days of Opening (Share or Share Draft)	$30	per item	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $30.00 per hour
Address Correction Notice (Notice Received from Post Office)	$2Not compared: Per-item charge, not monthly	per item	None
Undeliverable Statement Return	$5	per month	None
Overdraft & NSF
Non-Sufficient ACH Item	$30	per item	None
Non-Sufficient Funds	$30	per item	None
Continuous Negative Balance	$3	per day	None
ATM & Card
ATM Balance Inquiry	$2	per item	None
Replacement Card	$10	per item	None
Wire Transfers
Outgoing Wire Transfers	$20	per item	None
Incoming Wire Transfers	$10	per item	None
Check Services
Cashier and Teller Check	$5	per item	None
Money Order	$2	per item	None
Stop Payment	$30	per item	None
Copy of Paid Draft	$2	per item	None
Cash & Deposit
Counting Coin	10%	Not stated	None
Deposited Item Return	$30	per item	None
Account Services
Garnishment, Tax Levy, Etc	$30	per item	None
Lending Fees
Late Fee on Loan Payments After 10 Days	$25	per item	None
Retirement & IRA
IRA Account Closure Prior to Age 59 1/2	$30	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	per item	None
Other Fees
Statement Copy	$3	per item	None

Correct a fee source

Oct 27, 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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