Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

San Juan Mountains Federal Credit Union

Montrose, ColoradoCredit UnionKansas City Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation Fee$25Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=account_research; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Account Reconciliation Fee | $25.00 per hour" · Source

Dormant Account over 1 year$10

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=dormant_account; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Dormant Account over 1 year | $10.00 per month" · Source

Reopen Closed & Closed within 90 day Account fee$25

$10 above the national median

Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=early_closure; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Reopen Closed & Closed within 90 day Account fee | $25.00" · Source

Overdraft & NSFVerified

NSF Fee$35Above the typical range ($25–$32 nationally)
$6 above the national median
Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=nsf; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="NSF Fee | $35.00" · Source

Wire TransfersVerified

Incoming Wire Transfer Fee$20Above the typical range ($7.50–$15 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=wire_domestic_incoming; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Incoming Wire Transfer Fee | $20.00" · Source
Outgoing Wire Transfer Fee$35Above the typical range ($20–$25 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=wire_domestic_outgoing; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Outgoing Wire Transfer Fee | $35.00" · Source

Check ServicesVerified

Credit Union Check Copy Fee$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=check_image; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Credit Union Check Copy Fee | $3.00" · Source
Original Check Copy Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=check_image; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Original Check Copy Fee | $2.00" · Source
Stop Payment Fee$35Above the typical range ($20–$30 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=stop_payment; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Stop Payment Fee | $35.00" · Source

Lending FeesVerified

Visa Late Fee/ Over Limit$39Above the typical range ($15–$27 nationally)
$14 above the national median
Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=late_payment; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Visa Late Fee/ Over Limit | $39.00" · Source

Retirement & IRAVerified

IRA Account Annual Maintenance$50Above the typical range ($10–$25 nationally)
$35 above the national median
per year · Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=ira_administration; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="IRA Account Annual Maintenance | $50.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation Fee	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=account_research; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Account Reconciliation Fee \| $25.00 per hour"	Source
Dormant Account over 1 year	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=dormant_account; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Dormant Account over 1 year \| $10.00 per month"	Source
Reopen Closed & Closed within 90 day Account fee	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=early_closure; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Reopen Closed & Closed within 90 day Account fee \| $25.00"	Source
Overdraft & NSFVerified
NSF Fee	$35Above the typical range ($25–$32 nationally)	$6 above the national median	—	Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=nsf; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="NSF Fee \| $35.00"	Source
Wire TransfersVerified
Incoming Wire Transfer Fee	$20Above the typical range ($7.50–$15 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=wire_domestic_incoming; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Incoming Wire Transfer Fee \| $20.00"	Source
Outgoing Wire Transfer Fee
Check ServicesVerified
Credit Union Check Copy Fee	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=check_image; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Credit Union Check Copy Fee \| $3.00"	Source
Original Check Copy Fee	$2
Lending FeesVerified
Visa Late Fee/ Over Limit	$39Above the typical range ($15–$27 nationally)	$14 above the national median	—	Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=late_payment; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="Visa Late Fee/ Over Limit \| $39.00"	Source
Retirement & IRAVerified
IRA Account Annual Maintenance	$50Above the typical range ($10–$25 nationally)	$35 above the national median	per year	Knox deterministic extraction from Rosetta artifact #2791. canonical_hint=ira_administration; text_hash=e7d9bd222cace8c665243cf7f4d19584b418aabdb445bb06950a0c5917ca1173; excerpt="IRA Account Annual Maintenance \| $50.00"	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: $35

21% above the national median NSF fee

Total fees: 11 — leaner than most institutions

Verified fees

Under review

Assets

$61.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$61.3M

Total deposits

$54.3M

Service charge income (year to date)

$118K

Fee income ratio

7.0%

Return on assets

1.25%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 21,453 verified fees from 2,141 institutions

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