per month · Charged to account with 4 or less transactions during the month, no loans, no share certificates, or less than $100 total average daily balance. This fee does not apply to Smarty, Journey, or Silver accounts. · Source

Account Research/Reconciliation Fee (per hour)$20

$2.50 above the national median$2.50 above the Missouri median

Source

Paper Statement Fee (per month)$2

$1 below the national median$1 below the Missouri median

per month · Source

Overdraft & NSFVerified

Enhanced Overdraft Privilege Fee (per month)$5Below the typical range ($25–$33 nationally)
$25 below the national median$24.25 below the Missouri median
per month · Source
Overdraft Privilege Fee (per item)$18Below the typical range ($25–$33 nationally)
$12 below the national median$11.25 below the Missouri median
per item · Source
Returned item for NSF (per presentment)$18Below the typical range ($25–$32 nationally)
$12 below the national median$10 below the Missouri median
per item · Source

ATM & CardVerified

Foreign ATM Fee (per transaction)$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.50 below the Missouri median
per transaction · Source
Replacement Debit Card Fee$10Within the typical range ($5–$10 nationally)
At the national medianAt the Missouri median
Source

Check ServicesVerified

Cashier’s Check Fee ($250 Minimum)$3Within the typical range ($3–$6 nationally)
$2 below the national median$2 below the Missouri median
Source
Corporate Check$15Above the typical range ($3–$6 nationally)
$10 above the national median$10 above the Missouri median
Source
Corporate Check Fee$1Below the typical range ($3–$6 nationally)
$4 below the national median$4 below the Missouri median
Source
Stop Payment Fee – Check or ACH (per item)$20Within the typical range ($20–$30 nationally)
$7.50 below the national median$8 below the Missouri median
per item · Source
Check Copy Fee (per item)$2Within the typical range ($2–$5 nationally)
$1 below the national medianAt the Missouri median
per item · Source

Cash & DepositVerified

Returned Deposited Check Fee$10Within the typical range ($8–$25 nationally)
$5 below the national medianAt the Missouri median
Source

Account ServicesVerified

Notary Service Fee (per signature notarized)$1Within the typical range ($0–$5 nationally)
$1.50 below the national medianAt the Missouri median
per item · Source
Garnishment/Levy Fee (per item)$20Below the typical range ($30–$90 nationally)
$30 below the national median$30 below the Missouri median
per item · Source

Other FeesVerified

Statement Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$3 above the Missouri median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Ascend Monthly Fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$6.48 below the Missouri median	per month	—	Source
Freedom Start-Up Monthly Fee	$5Within the typical range ($4–$10 nationally)	$1 below the national median$1.48 below the Missouri median	per month	—	Source
Silver Monthly Fee	$2.50Below the typical range ($4–$10 nationally)	$3.50 below the national median$3.98 below the Missouri median	per month	—	Source
Club Accounts Early Withdrawal (per withdrawal)	$25Within the typical range ($10–$25 nationally)	$7.50 above the national medianAt the Missouri median	per transaction	—	Source
Account Reactivation Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median$20 above the Missouri median	—	—	Source
Dormant Account Fee	$4Below the typical range ($5–$10 nationally)	$1 below the national median$1 below the Missouri median	—	—	Source
Limited Activity Fee	$4Below the typical range ($5–$10 nationally)	$1 below the national median$1 below the Missouri median	per month	Charged to account with 4 or less transactions during the month, no loans, no share certificates, or less than $100 total average daily balance. This fee does not apply to Smarty, Journey, or Silver accounts.	Source
Account Research/Reconciliation Fee (per hour)	$20Within the typical range ($11–$25 nationally)	$2.50 above the national median$2.50 above the Missouri median	—	—	Source
Paper Statement Fee (per month)	$2Within the typical range ($2–$4.88 nationally)	$1 below the national median$1 below the Missouri median	per month	—	Source
Overdraft & NSFVerified
Enhanced Overdraft Privilege Fee (per month)	$5Below the typical range ($25–$33 nationally)	$25 below the national median$24.25 below the Missouri median	per month	—	Source
Overdraft Privilege Fee (per item)	$18
ATM & CardVerified
Foreign ATM Fee (per transaction)	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$0.50 below the Missouri median	per transaction	—	Source
Replacement Debit Card Fee	$10
Check ServicesVerified
Cashier’s Check Fee ($250 Minimum)	$3Within the typical range ($3–$6 nationally)	$2 below the national median$2 below the Missouri median	—	—	Source
Corporate Check	$15
Cash & DepositVerified
Returned Deposited Check Fee	$10Within the typical range ($8–$25 nationally)	$5 below the national medianAt the Missouri median	—	—	Source
Account ServicesVerified
Notary Service Fee (per signature notarized)	$1Within the typical range ($0–$5 nationally)	$1.50 below the national medianAt the Missouri median	per item	—	Source
Garnishment/Levy Fee (per item)	$20
Other FeesVerified
Statement Copy Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median$3 above the Missouri median	per item	—	Source

Against Missouri credit unions

Overdraft
$18.00
Of 27 others that publish it, 1 lower and 26 higher.
Monthly maintenance
$2.50
Of 11 others that publish it, 2 lower, 1 the same and 8 higher.

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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.

Overdraft

Overdraft fee: $5

83% below the national median overdraft fee

23 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$445.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$445.0M

Total deposits

$374.7M

Service charge income (year to date)

$4.0M

Fee income ratio

22.5%

Return on assets

0.26%

Financial profile · Pro

Performance from regulator filings

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Based on 66,435 published fee entries from 3,614 institutions

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