Verified

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

Community credit union, $1B to $10B

Members Cooperative Federal Credit Union

Duluth, MinnesotaCredit UnionMinneapolis Fed districtFees collected Apr 22, 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

1 An inactive account is one where: The total held in all accounts owned by the members as of the last day of the month$175Above the typical range ($5–$100 nationally)

Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=dormant_account; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="1 An inactive account is one where: The total held in all accounts owned by the members as of the last day of the month is less than $175.00" · Source

Account reconciliation (per hour).........................$30

$15 above the national median

Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=account_research; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$30.00 Account reconciliation (per hour)........................." · Source

Overdraft & NSFVerified

Foreign insufficient funds .....................................$28Within the typical range ($10–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=nsf; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$28.00 Foreign insufficient funds ....................................." · Source
Insufficient funds ...........................................$9.95Below the typical range ($10–$30 nationally)
$15.05 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=nsf; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$9.95 Insufficient funds ..........................................." · Source
Insufficient funds/overdraft service – check, debit, ACH, EFT (per item, per presentment) ................$3Below the typical range ($9.95–$35 nationally)
$22 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=overdraft; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$3.00 Insufficient funds/overdraft service – check, debit, ACH, EFT (per item, per presentment) ................" · Source

ATM & CardVerified

ATM out-of-network (per month) <2 transactions ..............................................$5Within the typical range ($2–$35 nationally)
$5 below the national median
per month · Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=atm_non_network; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$5.00 ATM out-of-network (per month) <2 transactions .............................................." · Source
Debit/ATM card replacement ................................$5Within the typical range ($2–$35 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=atm_non_network; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$5.00 Debit/ATM card replacement ................................" · Source

Wire TransfersVerified

Incoming wire .......................................................$20Above the typical range ($10–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=wire_domestic_incoming; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$20.00 Incoming wire ......................................................." · Source

Check ServicesVerified

Check cashing fee (nonmember, on us) ...............$5Within the typical range ($5–$100 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=check_cashing; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$5.00 Check cashing fee (nonmember, on us) ..............." · Source
Check printing ...............................................$3Within the typical range ($1–$10 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=check_printing; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$3.00 Check printing ..............................................." · Source
Corporate/personal check copy (per draft) ...........$15Above the typical range ($2.75–$6.25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=check_image; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$15.00 Corporate/personal check copy (per draft) ..........." · Source
rate +$10Below the typical range ($15–$30 nationally)
$15 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=stop_payment; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="rate + $10.00 Stop payment (per item) ......................................" · Source
Revoke group stop payment ................................$10Below the typical range ($15–$30 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=stop_payment; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$10.00 Revoke group stop payment ................................" · Source
Revoke single stop payment................................$15Within the typical range ($15–$30 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=stop_payment; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$15.00 Revoke single stop payment................................" · Source
Stop payment (group) ..........................................$10Below the typical range ($15–$30 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=stop_payment; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$10.00 Stop payment (group) .........................................." · Source

Digital & ElectronicVerified

ACH origination ...................................................$28Above the typical range ($1.50–$20 nationally)
$22.94 above the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=ach_origination; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$28.00 ACH origination ..................................................." · Source
Bill Pay Next day delivery ..........................................$2Within the typical range ($0–$12.45 nationally)
$3.48 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=bill_pay; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$2.00 Bill Pay Next day delivery .........................................." · Source

Account ServicesVerified

Levy/garnishment ................................................$5Below the typical range ($22.50–$100 nationally)
$45 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=garnishment_levy; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$5.00 Levy/garnishment ................................................" · Source
Notary services (nonmember) ...............................$5Within the typical range ($0–$6.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=notary_fee; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$5.00 Notary services (nonmember) ..............................." · Source
SAFE DEPOSIT BOX Annual Rent 2 x 5 ..............................................................$1Below the typical range ($15–$75 nationally)
$29 below the national median
per year · Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=safe_deposit_box; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$1.00 SAFE DEPOSIT BOX Annual Rent 2 x 5 .............................................................." · Source

Lending FeesVerified

Late payment.......................................................$25Within the typical range ($15–$28.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=late_payment; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$25.00 Late payment......................................................." · Source
LOAN SERVICES Loan modification ................................................$20Within the typical range ($20–$100 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=loan_origination; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$20.00 LOAN SERVICES Loan modification ................................................" · Source

Gift & Prepaid CardsVerified

Gift card .................................................................$75Above the typical range ($3.31–$10 nationally)
$70.28 above the national median
Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=gift_card_purchase; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$75.00 Gift card ................................................................." · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
1 An inactive account is one where: The total held in all accounts owned by the members as of the last day of the month	$175Above the typical range ($5–$100 nationally)	$163 above the national median	—	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=dormant_account; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="1 An inactive account is one where: The total held in all accounts owned by the members as of the last day of the month is less than $175.00"	Source
Account reconciliation (per hour).........................	$30Above the typical range ($5–$25 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=account_research; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$30.00 Account reconciliation (per hour)........................."	Source
Overdraft & NSFVerified
Foreign insufficient funds .....................................	$28Within the typical range ($10–$30 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=nsf; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$28.00 Foreign insufficient funds ....................................."	Source

ATM & CardVerified
ATM out-of-network (per month) <2 transactions ..............................................	$5Within the typical range ($2–$35 nationally)	$5 below the national median	per month	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=atm_non_network; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$5.00 ATM out-of-network (per month) <2 transactions .............................................."	Source
Wire TransfersVerified
Incoming wire .......................................................	$20Above the typical range ($10–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=wire_domestic_incoming; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$20.00 Incoming wire ......................................................."	Source
Check ServicesVerified
Check cashing fee (nonmember, on us) ...............	$5Within the typical range ($5–$100 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=check_cashing; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$5.00 Check cashing fee (nonmember, on us) ..............."	Source

Digital & ElectronicVerified
ACH origination ...................................................	$28Above the typical range ($1.50–$20 nationally)	$22.94 above the national median	—	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=ach_origination; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$28.00 ACH origination ..................................................."	Source

Account ServicesVerified
Levy/garnishment ................................................	$5Below the typical range ($22.50–$100 nationally)	$45 below the national median	—	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=garnishment_levy; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$5.00 Levy/garnishment ................................................"	Source

Lending FeesVerified
Late payment.......................................................	$25Within the typical range ($15–$28.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=late_payment; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$25.00 Late payment......................................................."	Source

Gift & Prepaid CardsVerified
Gift card .................................................................	$75Above the typical range ($3.31–$10 nationally)	$70.28 above the national median	—	Knox deterministic extraction from Rosetta artifact #2028. canonical_hint=gift_card_purchase; text_hash=8f943f04a759a1b48811f6ada25343c839ce90c764c65a962932169048118102; excerpt="$75.00 Gift card ................................................................."	Source

Fee change alerts

Get an email when Members Cooperative Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Members Cooperative Federal Credit Union? Benchmark it against peers, free

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.

Overdraft

Overdraft fee: $3

88% below the national median overdraft fee

Total fees: 23 — leaner than most institutions

Verified fees

Under review

Assets

$1.2B

Work at Members Cooperative Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.2B

Total deposits

$968.7M

Service charge income (year to date)

$3.0M

Fee income ratio

8.4%

Return on assets

1.06%

Financial profile · Pro

Performance from regulator filings

Insufficient funds ...........................................

Check printing ...............................................

Bill Pay Next day delivery ..........................................

Notary services (nonmember) ...............................

LOAN SERVICES Loan modification ................................................

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

Unlock all 0 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 5,739 verified fees from 1,547 institutions

See pricing