Share Advantage Federal Credit Union

Headquarters: Duluth, Minnesota
Charter: Credit Union
Assets: $57.5M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Overdraft (OD)
Share Advantage Federal Credit Union: $30
Share Advantage Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Share Advantage Federal Credit Union: $30
Share Advantage Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Share Advantage Federal Credit Union: $3
Share Advantage Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Share Advantage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure within 6-months of opening$10
Inactive Account$5
per month
Account Reconciliation$35
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statements$2
per month
Returned Mail$5
per month

Overdraft & NSF

Overdraft - Paid Item$30
NSF - Return Item$30

ATM & Card

ATM Withdrawal using non-MoneyPass Network ATM$3
per item
Replacement Card$10
Foreign Transaction (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Domestic Wire - Outgoing$20
Wire - Incoming$10
International Wire - Outgoing$50

Check Services

Corporate Checks$5
per item
Money Orders$2
Corporate Stop Payment$35
Group Stop Payment$50
Single Stop Payment$30
Check Cashing Over $100.00$5
per item
Non-member On-Us Check Cashing$10
per item
Check Copies Corporate, Deposited, or Personal$3
per item

Account Services

Tax Levy/Garnishment$35

Lending Fees

Late Payment$25
Loan Origination$75

Other Fees

Reprint Statements$3
Not compared: Monthly charge, not per item
per month
Statement Copy$5
Due Date Change$10
Duplicate Lien Release$3
Mortgage Loan Modification$25
Returned Loan Payment$10
Skip Payment$30

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure within 6-months of opening	$10	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statements	$2	per month	None
Returned Mail	$5	per month	None
Overdraft & NSF
Overdraft - Paid Item	$30	Not stated	None
NSF - Return Item	$30	Not stated	None
ATM & Card
ATM Withdrawal using non-MoneyPass Network ATM	$3	per item	None
Replacement Card	$10	Not stated	None
Foreign Transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Domestic Wire - Outgoing	$20	Not stated	None
Wire - Incoming	$10	Not stated	None
International Wire - Outgoing	$50	Not stated	None
Check Services
Corporate Checks	$5	per item	None
Money Orders	$2	Not stated	None
Corporate Stop Payment	$35	Not stated	None
Group Stop Payment	$50	Not stated	None
Single Stop Payment	$30	Not stated	None
Check Cashing Over $100.00	$5	per item	None
Non-member On-Us Check Cashing	$10	per item	None
Check Copies Corporate, Deposited, or Personal	$3	per item	None
Account Services
Tax Levy/Garnishment	$35	Not stated	None
Lending Fees
Late Payment	$25	Not stated	None
Loan Origination	$75	Not stated	None
Other Fees
Reprint Statements	$3Not compared: Monthly charge, not per item	per month	None
Statement Copy	$5	Not stated	None
Due Date Change	$10	Not stated	None
Duplicate Lien Release	$3	Not stated	None
Mortgage Loan Modification	$25	Not stated	None
Returned Loan Payment	$10	Not stated	None
Skip Payment	$30	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

Correct a fee source

Oct 5, 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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