Non-Sufficient Funds: Charged when a transaction is presented without enough funds$30Within the typical range ($25–$32 nationally)
At the national median$1.25 below the Mississippi median
Source
Fee for each overdraft transfer from shares$2Below the typical range ($2.50–$5 nationally)
$3 below the national median$1 below the Mississippi median
per item · Source

ATM & CardVerified

Fee for using an ATM outside the credit union network$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$1 below the Mississippi median
Source
Fee for replacing a lost or damaged debit/ATM card$10Within the typical range ($5–$10 nationally)
At the national medianAt the Mississippi median
Source

Check ServicesVerified

Fee for placing a stop payment on checks or ACH items$37Above the typical range ($20–$30 nationally)
$9.50 above the national median$7 above the Mississippi median
Source
Printed copies of checks drawn from another institution$2Within the typical range ($2–$5 nationally)
$1 below the national median$2.25 below the Mississippi median
Source

Account ServicesVerified

Fees for processing levies, garnishments, subpoenas, or similar legal actions$50Within the typical range ($30–$90 nationally)
At the national medianAt the Mississippi median
Source

Lending FeesVerified

Fee assessed when a loan payment is made after the grace period$20Within the typical range ($10–$25 nationally)
At the national median$5 above the Mississippi median
Source

Other FeesVerified

Processing fee for reviewing a loan application$25Within the typical range ($25–$100 nationally)
$12.50 below the national median$5 below the Mississippi median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
02 Payroll Accounts: Monthly fee for designated payroll-based accounts	$2Below the typical range ($4–$10 nationally)	$4 below the national median$3.74 below the Mississippi median	per month	—	Source
Fee to reinstate membership that was closed within the past year	$10Within the typical range ($10–$25 nationally)	$7.50 below the national median$10 below the Mississippi median	—	—	Source
Assessed when an account has no activity for a defined period	$10Within the typical range ($5–$10 nationally)	$5 above the national median$5 above the Mississippi median	—	—	Source
Assessed when mail is returned due to invalid address	$7.50Below the typical range ($11.38–$25 nationally)	$10 below the national median$12.50 below the Mississippi median	—	—	Source
Charged for staff research assistance on account history or records	$25Within the typical range ($11.38–$25 nationally)	$7.50 above the national median$5 above the Mississippi median	—	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds: Charged when a transaction is presented without enough funds	$30Within the typical range ($25–$32 nationally)	At the national median$1.25 below the Mississippi median	—	—	Source
Fee for each overdraft transfer from shares	$2
ATM & CardVerified
Fee for using an ATM outside the credit union network	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$1 below the Mississippi median	—	—	Source
Fee for replacing a lost or damaged debit/ATM card	$10
Check ServicesVerified
Fee for placing a stop payment on checks or ACH items	$37Above the typical range ($20–$30 nationally)	$9.50 above the national median$7 above the Mississippi median	—	—	Source
Printed copies of checks drawn from another institution	$2
Account ServicesVerified
Fees for processing levies, garnishments, subpoenas, or similar legal actions	$50Within the typical range ($30–$90 nationally)	At the national medianAt the Mississippi median	—	—	Source
Lending FeesVerified
Fee assessed when a loan payment is made after the grace period	$20Within the typical range ($10–$25 nationally)	At the national median$5 above the Mississippi median	—	—	Source
Other FeesVerified
Processing fee for reviewing a loan application	$25Within the typical range ($25–$100 nationally)	$12.50 below the national median$5 below the Mississippi median	—	—	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

14 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$11.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$11.5M

Total deposits

$8.4M

Service charge income (year to date)

$23K

Fee income ratio

7.7%

Return on assets

1.22%

Financial profile · Pro

Performance from regulator filings

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Based on 65,783 published fee entries from 3,612 institutions

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