St. Louis Community Federal Credit Union

Headquarters: Saint Louis, Missouri
Charter: Credit Union
Assets: $445.0M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 2, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $2.50, the middle of its prices
St. Louis Community Federal Credit Union: $0 to $5
St. Louis Community Federal Credit Union: $0 to $5
U.S. median: no median
Overdraft (OD)
St. Louis Community Federal Credit Union: $18
St. Louis Community Federal Credit Union: $18
U.S. median: no median
NSF / Returned Item
St. Louis Community Federal Credit Union: $18
St. Louis Community Federal Credit Union: $18
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 2, 2026View sources

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

Account Maintenance

Ascend Monthly FeeNo charge
per month
Freedom Start-Up Monthly Fee$5
per month
Silver Monthly Fee$2.50
per month
Account Reactivation Fee$25
Dormant Account Fee$4
Limited Activity Fee$4
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.
Account Research/Reconciliation Fee (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (per month)$2
per month

Overdraft & NSF

Overdraft Privilege Fee (per item)$18
per item
Debit card transaction clearing with NSF (audience not stated, treated as personal)$18
Returned item for NSF (per presentment)$18
per item

ATM & Card

Foreign ATM Fee (per transaction)$1
per transaction
Replacement Debit Card Fee$10

Check Services

Cashier’s Check Fee ($250 Minimum)$3
Corporate Check$15
Corporate Check Fee$1
Stop Payment Fee – Check or ACH (per item)$20
per item
Check Copy Fee (per item)$2
per item

Cash & Deposit

Returned Deposited Check Fee$10

Account Services

Notary Service Fee (per signature notarized)$1
per item
Garnishment/Levy Fee (per item)$20
per item

Other Fees

Statement Copy Fee$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Ascend Monthly Fee	No charge	per month	None
Freedom Start-Up Monthly Fee	$5	per month	None
Silver Monthly Fee	$2.50	per month	None
Account Reactivation Fee	$25	Not stated	None
Dormant Account Fee	$4	Not stated	None
Limited Activity Fee	$4	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.
Account Research/Reconciliation Fee (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (per month)	$2	per month	None
Overdraft & NSF
Overdraft Privilege Fee (per item)	$18	per item	None
Debit card transaction clearing with NSF (audience not stated, treated as personal)	$18	Not stated	None
Returned item for NSF (per presentment)	$18	per item	None
ATM & Card
Foreign ATM Fee (per transaction)	$1	per transaction	None
Replacement Debit Card Fee	$10	Not stated	None
Check Services
Cashier’s Check Fee ($250 Minimum)	$3	Not stated	None
Corporate Check	$15	Not stated	None
Corporate Check Fee	$1	Not stated	None
Stop Payment Fee – Check or ACH (per item)	$20	per item	None
Check Copy Fee (per item)	$2	per item	None
Cash & Deposit
Returned Deposited Check Fee	$10	Not stated	None
Account Services
Notary Service Fee (per signature notarized)	$1	per item	None
Garnishment/Levy Fee (per item)	$20	per item	None
Other Fees
Statement Copy Fee	$5	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 2, 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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