My Federal Credit Union

Headquarters: Bloomington, Minnesota
Charter: Credit Union
Assets: $366.4M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 22, 2026.

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Fees against the market

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

Monthly Maintenance
My Federal Credit Union: No fee
My Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Compared at $27, its standard fee, the highest of its prices
My Federal Credit Union: $14 to $27
My Federal Credit Union: $14 to $27
U.S. median: no median
NSF / Returned Item
My Federal Credit Union: $27
My Federal Credit Union: $27
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

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

Account Maintenance

Monthly FeeNo charge
per month
Closing Account (within 90 days of account opening)$25
Dormant Fee$10
per month
Account Reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$40
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee (Max 4 per day $of $108)$27
per item
Debit Card Overdraft$14
per item
NSF Fee$27
per item

ATM & Card

Other Fees: - Replacement Card$10
per item
Rushed Card Fee$30
per item
ATM/Debit International Transactions (audience not stated, treated as personal)1%

Wire Transfers

Wire Out Proof of Payment$25
per item
Wire Out Transfer (Domestic)$30
per item
Wire In Transfer (Domestic)$5
per item
Wire Cancellation (International)$59
Wire Out Transfer (International)$100
per item
Wire In Transfer (International)$5
per item

Check Services

Cashier Check$5
per item
ACH Stop Payment$35
per item
Check Stop Payment$35
per item
Starter Checks$5
per item
Check Cashing$10
per item
On-Us Check Cashing$10
per item
Items Sent for Collection$15
per item
Check Copy$5
per item

Digital & Electronic

ACH Same Day Transfer$25
per item

Account Services

Notary$10
Late Payment$8
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10” x 10”$120
Safe Deposit Box 3” x 10”$50
Safe Deposit Box 3” x 5”$25
Safe Deposit Box 5” x 10”$80
Safe Deposit Box 5” x 5”$40
Safe Deposit Box 6" x 10"$90
Legal Process (Levy, Garnishment, or Summons)$100
per item

Lending Fees

Late Payment$29

Retirement & IRA

IRA Transfer Fee (Only if closing and funds are going to another Financial Institution)$25
per item

Other Fees

Document Copy$3
per item
Statement Copy$5
per item
Copy of Lien Release$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	No charge	per month	None
Closing Account (within 90 days of account opening)	$25	Not stated	None
Dormant Fee	$10	per month	None
Account Reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee (Max 4 per day $of $108)	$27	per item	None
Debit Card Overdraft	$14	per item	None
NSF Fee	$27	per item	None
ATM & Card
Other Fees: - Replacement Card	$10	per item	None
Rushed Card Fee	$30	per item	None
ATM/Debit International Transactions (audience not stated, treated as personal)	1%	Not stated	None
Wire Transfers
Wire Out Proof of Payment	$25	per item	None
Wire Out Transfer (Domestic)	$30	per item	None
Wire In Transfer (Domestic)	$5	per item	None
Wire Cancellation (International)	$59	Not stated	None
Wire Out Transfer (International)	$100	per item	None
Wire In Transfer (International)	$5	per item	None
Check Services
Cashier Check	$5	per item	None
ACH Stop Payment	$35	per item	None
Check Stop Payment	$35	per item	None
Starter Checks	$5	per item	None
Check Cashing	$10	per item	None
On-Us Check Cashing	$10	per item	None
Items Sent for Collection	$15	per item	None
Check Copy	$5	per item	None
Digital & Electronic
ACH Same Day Transfer	$25	per item	None
Account Services
Notary	$10	Not stated	None
Late Payment	$8Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10” x 10”	$120	Not stated	None
Safe Deposit Box 3” x 10”	$50	Not stated	None
Safe Deposit Box 3” x 5”	$25	Not stated	None
Safe Deposit Box 5” x 10”	$80	Not stated	None
Safe Deposit Box 5” x 5”	$40	Not stated	None
Safe Deposit Box 6" x 10"	$90	Not stated	None
Legal Process (Levy, Garnishment, or Summons)	$100	per item	None
Lending Fees
Late Payment	$29	Not stated	None
Retirement & IRA
IRA Transfer Fee (Only if closing and funds are going to another Financial Institution)	$25	per item	None
Other Fees
Document Copy	$3	per item	None
Statement Copy	$5	per item	None
Copy of Lien Release	$10	per item	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 22, 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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