Members Federal Credit Union

Headquarters: Winston Salem, North Carolina
Charter: Credit Union
Assets: $477.1M
Fed district: Richmond

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

Source: its fee schedule, read Oct 15, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
Members Federal Credit Union: $5
Members Federal Credit Union: $5
U.S. median: no median
Stop Payment
Compared at $30, the middle of its prices
Members Federal Credit Union: $5 to $30
Members Federal Credit Union: $5 to $30
U.S. median: no median
Wire Transfer (Int'l Out)
Members Federal Credit Union: $45
Members Federal Credit Union: $45
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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

Account Maintenance

Low Balance (audience not stated, treated as personal)$3
per month · Applies to share, checking, trust, custodian, money market, and Super 60 accounts if month-end balance < $25. Does not apply to new accounts in month opened.
Minimum Balance (audience not stated, treated as personal)$25
Escheat Research Fee (audience not stated, treated as personal)$30
Checkbook Balancing (audience not stated, treated as personal)$15
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail (audience not stated, treated as personal)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Item Returned Due To Insufficient Funds (check or ACH draft) (audience not stated, treated as personal)$5
per item
Overdraft Protection by Transfer from Savings (audience not stated, treated as personal)No charge
Not compared: Annual charge, not per item
per year

ATM & Card

CASH CARD or Visa Card Replacement (audience not stated, treated as personal)$10

Wire Transfers

International Wire Transfer of Funds$45
per item

Check Services

MCU Official Check for third-party payee$3
ACH Stop Payment (audience not stated, treated as personal)$30
Check Stop Payments (audience not stated, treated as personal)$5
per item
Stop Payment of Christmas Club Check within seven days of issue$30
per item
Stop Payment of CU Check within seven days of issue$30
per item
Check Copies (audience not stated, treated as personal)$2
per item

Digital & Electronic

Bill Pay- Internet eBill Service (audience not stated, treated as personal)No charge

Cash & Deposit

Returned Deposited Check to/from the same member$30
per item

Account Services

) (3 x 10 x 22"$24
per year
) (5 x 10 x 22"$30
per year
Safe Deposit Boxes (3 x 5 x 22"$15
per year
Verification of Deposit (including history)$20
per item
Verification of Deposit (non-standard form)$5
per item
Verification of Deposit (standard form)No charge

Lending Fees

Late Payment (audience not stated, treated as personal)3%

Gift & Prepaid Cards

Visa Gift Card purchase (audience not stated, treated as personal)$2.50
per item

Other Fees

Photocopies$2
per item
Statement Copies$3.50
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Low Balance (audience not stated, treated as personal)	$3	per month	Applies to share, checking, trust, custodian, money market, and Super 60 accounts if month-end balance < $25. Does not apply to new accounts in month opened.
Minimum Balance (audience not stated, treated as personal)	$25	Not stated	None
Escheat Research Fee (audience not stated, treated as personal)	$30	Not stated	None
Checkbook Balancing (audience not stated, treated as personal)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail (audience not stated, treated as personal)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Item Returned Due To Insufficient Funds (check or ACH draft) (audience not stated, treated as personal)	$5	per item	None
Overdraft Protection by Transfer from Savings (audience not stated, treated as personal)	No chargeNot compared: Annual charge, not per item	per year	None
ATM & Card
CASH CARD or Visa Card Replacement (audience not stated, treated as personal)	$10	Not stated	None
Wire Transfers
International Wire Transfer of Funds	$45	per item	None
Check Services
MCU Official Check for third-party payee	$3	Not stated	None
ACH Stop Payment (audience not stated, treated as personal)	$30	Not stated	None
Check Stop Payments (audience not stated, treated as personal)	$5	per item	None
Stop Payment of Christmas Club Check within seven days of issue	$30	per item	None
Stop Payment of CU Check within seven days of issue	$30	per item	None
Check Copies (audience not stated, treated as personal)	$2	per item	None
Digital & Electronic
Bill Pay- Internet eBill Service (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Returned Deposited Check to/from the same member	$30	per item	None
Account Services
) (3 x 10 x 22"	$24	per year	None
) (5 x 10 x 22"	$30	per year	None
Safe Deposit Boxes (3 x 5 x 22"	$15	per year	None
Verification of Deposit (including history)	$20	per item	None
Verification of Deposit (non-standard form)	$5	per item	None
Verification of Deposit (standard form)	No charge	Not stated	None
Lending Fees
Late Payment (audience not stated, treated as personal)	3%	Not stated	None
Gift & Prepaid Cards
Visa Gift Card purchase (audience not stated, treated as personal)	$2.50	per item	None
Other Fees
Photocopies	$2	per item	None
Statement Copies	$3.50Not compared: Charged per page; comparison unavailable	per page	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

Oct 15, 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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