17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 11, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
Compared at $12.50, the middle of its prices
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from Members Cooperative Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per hour
one time
per item
per item
per item
per item
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive account (per month) (audience not stated, treated as personal) | $5 | per month | None |
| Account reconciliation (per hour) (audience not stated, treated as personal) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research (per hour, first hour free) (audience not stated, treated as personal) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Incorrect address returned mail (one time) | $5Not compared: One-time charge, not monthly | one time | None |
Overdraft & NSF | |||
| Insufficient funds (audience not stated, treated as personal) | $20 | Not stated | None |
ATM & Card | |||
| Debit/ATM card replacement (audience not stated, treated as personal) | $5 | Not stated | None |
Wire Transfers | |||
| Bank to bank wire – domestic (audience not stated, treated as personal) | $20 | Not stated | None |
| Incoming wire (audience not stated, treated as personal) | $5 | Not stated | None |
Check Services | |||
| Cashier’s check (per draft) (audience not stated, treated as personal) | $5 | per item | None |
| Revoke group stop payment | $15 | Not stated | None |
| Revoke single stop payment | $15 | Not stated | None |
| Revoke single stop payment (audience not stated, treated as personal) | $10 | Not stated | None |
| Stop payment (per item) | $10 | per item | None |
| Check cashing fee (nonmember, on us) (audience not stated, treated as personal) | $5 | Not stated | None |
| Corporate/personal check copy (per draft) (audience not stated, treated as personal) | $3 | per item | None |
Digital & Electronic | |||
| ACH origination (audience not stated, treated as personal) | $20 | Not stated | None |
Account Services | |||
| Notary services (nonmember) (audience not stated, treated as personal) | $5 | Not stated | None |
| Drilling of box (audience not stated, treated as personal) | $270Not compared: Box drilling or key fee | Not stated | None |
| Late payment (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Missed drilling appointment | $25Not compared: Box drilling or key fee | Not stated | None |
| Replacement key (each) | $15Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $60 | Not stated | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $30 | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $70Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $50 | Not stated | None |
| Levy/garnishment (audience not stated, treated as personal) | $75 | Not stated | None |
| Mortgage loan – subordination (audience not stated, treated as personal) | $250 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift card | $3 | Not stated | None |
Other Fees | |||
| Fax: Each additional page | $1 | per item | None |
| Fax: First page | $2 | Not stated | None |
| Photocopies: Each additional page | $0.25 | per item | None |
| Photocopies: First page | $0.50 | Not stated | None |
| Loan payment – due date change | $25 | Not stated | None |
| Low balance, money market accounts with balances: Skip-A-Payment | $35 | Not stated | None |
| Returned loan payment | $28 | Not stated | None |
| Skip a payment (audience not stated, treated as personal) | $25 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
one time
per day
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Incorrect address returned mail (one time) | $5Not compared: One-time charge, not monthly | one time | None |
Check Services | |||
| Revoke group stop payment | $15 | Not stated | None |
| Revoke single stop payment | $15 | Not stated | None |
| Stop payment (per item) | $10 | per item | None |
Digital & Electronic | |||
| Business same day ACH (per day) | $5Not compared: Daily charge, not per item | per day | None |
Account Services | |||
| Missed drilling appointment | $25Not compared: Box drilling or key fee | Not stated | None |
| Replacement key (each) | $15Not compared: Box drilling or key fee | per item | None |
Gift & Prepaid Cards | |||
| Gift card | $3 | Not stated | None |
Other Fees | |||
| Fax: Each additional page | $1 | per item | None |
| Fax: First page | $2 | Not stated | None |
| Photocopies: Each additional page | $0.25 | per item | None |
| Photocopies: First page | $0.50 | Not stated | None |
| Loan payment – due date change | $25 | Not stated | None |
| Low balance, money market accounts with balances: Skip-A-Payment | $35 | Not stated | None |
| Returned loan payment | $28 | Not stated | None |
Oct 11, 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.
Fee change alerts
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