True Sky Federal Credit Union

Headquarters: Oklahoma City, Oklahoma
Charter: Credit Union
Assets: $778.4M
Fed district: Kansas City

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Overdraft (OD)
True Sky Federal Credit Union: $32
True Sky Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
True Sky Federal Credit Union: $32
True Sky Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
True Sky Federal Credit Union: $1
True Sky Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma 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 True Sky Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closing (within 6 months of opening)$25
Account Research (one hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee per statement cycle (excludes Real Estate, Top Brass, and Visa)$2
per month

Overdraft & NSF

Overdraft Privilege (per item and per re-presented item)$32
per item
Return Check or ACH (per item) (audience not stated, treated as personal)$32
per item

ATM & Card

Foreign ATM Transactions (per transaction)$1
per transaction
Debit Card Replacement Fee$8

Wire Transfers

Wire Transfer - Outgoing$5
Wire Transfer – Outgoing$20
Wire Transfer - Incoming$5
Wire Transfer – Incoming$10

Check Services

Cashier's Check$3
Stop Payment (ACH or Check)$32
Stop Payments (ACH or Check)$5
Temporary Checks (price per sheet)$2
per item
Collection Item (incoming)$10
Copy of a draft (check)$2

Cash & Deposit

Coin Machine (audience not stated, treated as personal)10%

Account Services

One lost key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$65
per year
Safe Deposit Box 3 x 10$30
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$40
per year
Verification of Deposit/Mortgage$15

Fee	Amount	Basis	Note
Account Maintenance
Early Closing (within 6 months of opening)	$25	Not stated	None
Account Research (one hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee per statement cycle (excludes Real Estate, Top Brass, and Visa)	$2	per month	None
Overdraft & NSF
Overdraft Privilege (per item and per re-presented item)	$32	per item	None
Return Check or ACH (per item) (audience not stated, treated as personal)	$32	per item	None
ATM & Card
Foreign ATM Transactions (per transaction)	$1	per transaction	None
Debit Card Replacement Fee	$8	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$5	Not stated	None
Wire Transfer – Outgoing	$20	Not stated	None
Wire Transfer - Incoming	$5	Not stated	None
Wire Transfer – Incoming	$10	Not stated	None
Check Services
Cashier's Check	$3	Not stated	None
Stop Payment (ACH or Check)	$32	Not stated	None
Stop Payments (ACH or Check)	$5	Not stated	None
Temporary Checks (price per sheet)	$2	per item	None
Collection Item (incoming)	$10	Not stated	None
Copy of a draft (check)	$2	Not stated	None
Cash & Deposit
Coin Machine (audience not stated, treated as personal)	10%	Not stated	None
Account Services
One lost key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$65	per year	None
Safe Deposit Box 3 x 10	$30	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$40	per year	None
Verification of Deposit/Mortgage	$15	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 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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