Mutual Federal Credit Union

Headquarters: Vicksburg, Mississippi
Charter: Credit Union
Assets: $528.5M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 14, 2026.

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Fees against the market

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

Monthly Maintenance
Mutual Federal Credit Union: $5
Mutual Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Mutual Federal Credit Union: $29
Mutual Federal Credit Union: $29
U.S. median: no median
Non-Network ATM
Mutual Federal Credit Union: $1
Mutual Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta 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).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Mutual Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$5
per month
Dormant Membership Dormancy is defined as a membership with no transactions within a 12-month$5
per month
Bad Address Mail/Statements Returned by U.S. Postal Service$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$29
per item
Overdraft Transfer Fee$3
per item

ATM & Card

ATM Out of Network ATM Inquiry, Transfer, or Withdrawal$1
per item
Card Replacement VISA® Debit Card or ATM Replacement$10

Wire Transfers

Wire Transfers Outgoing Domestic Wire Transfer$20
Incoming Domestic Wire Transfer$20
Outgoing International Wire Transfer$40
Incoming International Wire Transfer$40

Check Services

Cashier's Check Cashier's Check$3
per item
Money Order Purchase Money Orders$1

Digital & Electronic

Non-Sufficient Funds | Check, debit, or ACH item returned unpaid or paid by Courtesy Pay$29
per item

Account Services

Box Drilling / Rekey Fee$120
Not compared: Box drilling or key fee

Retirement & IRA

IRA Account Maintenance$10
per year
IRA Early Withdrawal$25
per item

Other Fees

Copy of Statement (Fee per month requested)$2
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Dormant Membership Dormancy is defined as a membership with no transactions within a 12-month	$5	per month	None
Bad Address Mail/Statements Returned by U.S. Postal Service	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$29	per item	None
Overdraft Transfer Fee	$3	per item	None
ATM & Card
ATM Out of Network ATM Inquiry, Transfer, or Withdrawal	$1	per item	None
Card Replacement VISA® Debit Card or ATM Replacement	$10	Not stated	None
Wire Transfers
Wire Transfers Outgoing Domestic Wire Transfer	$20	Not stated	None
Incoming Domestic Wire Transfer	$20	Not stated	None
Outgoing International Wire Transfer	$40	Not stated	None
Incoming International Wire Transfer	$40	Not stated	None
Check Services
Cashier's Check Cashier's Check	$3	per item	None
Money Order Purchase Money Orders	$1	Not stated	None
Digital & Electronic
Non-Sufficient Funds \| Check, debit, or ACH item returned unpaid or paid by Courtesy Pay	$29	per item	None
Account Services
Box Drilling / Rekey Fee	$120Not compared: Box drilling or key fee	Not stated	None
Retirement & IRA
IRA Account Maintenance	$10	per year	None
IRA Early Withdrawal	$25	per item	None
Other Fees
Copy of Statement (Fee per month requested)	$2Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 14, 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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