Non-Sufficient Funds (NSF) Fee7,8$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Source
Overdraft Fee7,8$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Source

ATM & CardVerified

ATM Usage Fee/In-network$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per transaction · Source
ATM Usage Fee/Out-of-network$3Above the typical range ($1–$2.50 nationally)
$1.50 above the national median
per transaction · Source
Replacement Debit Card Fee$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Domestic Wire Transfer Fee - Outgoing$15Below the typical range ($20–$25 nationally)
$9 below the national median
Source

Check ServicesVerified

Money Order/Cashier's Check Fee$3Within the typical range ($1.50–$3 nationally)
$1 above the national median
Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$5 above the national median
Source

Digital & ElectronicVerified

One-Time ACH Origination Fee$15Within the typical range ($5–$20 nationally)
$5 above the national median
Source

Cash & DepositVerified

Returned Deposit Item Fee$15Within the typical range ($10–$25 nationally)
At the national median
per item · Source

Account ServicesVerified

Levy/Garnishment Fee$50Within the typical range ($30–$75 nationally)
At the national median
Source

Gift & Prepaid CardsVerified

Gift Card Fee$2.50Below the typical range ($3–$4.40 nationally)
$1 below the national median
Source

Other FeesVerified

Copy of Statement Fee2$3Within the typical range ($2–$5 nationally)
At the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee3	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Early Account Closure Fee4	$12.50Within the typical range ($10–$25 nationally)	$2.50 below the national median	—	—	Source
Monthly Service Fee — Zia Basic Checking6	$3Within the typical range ($3–$10 nationally)	$2.95 below the national median	per month	—	Source
Research Fee	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF) Fee7,8	$35Above the typical range ($25–$31 nationally)	$5 above the national median	per item	—	Source
Overdraft Fee7,8	$35
ATM & CardVerified
ATM Usage Fee/In-network	$1Within the typical range ($1–$2.50 nationally)	$0.50 below the national median	per transaction	—	Source
ATM Usage Fee/Out-of-network	$3
Wire TransfersVerified
Domestic Wire Transfer Fee - Outgoing	$15Below the typical range ($20–$25 nationally)	$9 below the national median	—	—	Source
Check ServicesVerified
Money Order/Cashier's Check Fee	$3Within the typical range ($1.50–$3 nationally)	$1 above the national median	—	—	Source
Stop Payment Fee	$30
Digital & ElectronicVerified
One-Time ACH Origination Fee	$15Within the typical range ($5–$20 nationally)	$5 above the national median	—	—	Source
Cash & DepositVerified
Returned Deposit Item Fee	$15Within the typical range ($10–$25 nationally)	At the national median	per item	—	Source
Account ServicesVerified
Levy/Garnishment Fee	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Gift & Prepaid CardsVerified
Gift Card Fee	$2.50Below the typical range ($3–$4.40 nationally)	$1 below the national median	—	—	Source
Other FeesVerified
Copy of Statement Fee2	$3Within the typical range ($2–$5 nationally)	At the national median	per item	—	Source

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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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 17 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$308.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$308.1M

Total deposits

$246.7M

Service charge income (year to date)

$1.5M

Fee income ratio

16.7%

Return on assets

0.45%

Financial profile · Pro

Performance from regulator filings

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

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 32,192 verified fees from 2,423 institutions

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