Metrum Community Federal Credit Union

Headquarters: Centennial, Colorado
Charter: Credit Union
Assets: $111.6M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Monthly Maintenance
Second Chance Checking
Metrum Community Federal Credit Union: $5
Metrum Community Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Metrum Community Federal Credit Union: $5
Metrum Community Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Compared at $27.50, the middle of its prices
Metrum Community Federal Credit Union: $25 to $30
Metrum Community Federal Credit Union: $25 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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

Account Maintenance

Second Chance Checking Monthly service charge (audience not stated, treated as personal)$5
per month
Dormant Account – No activity for 12months$5
per month
Inactive Spending Account$5
per month
ATM Adjustment$15
Reconciliation$35
Not compared: Charged per hour; comparison unavailable
per hour
Swipe & Save Savings Excessive Withdrawal$10
per item
Bad Address/Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Manual Overdraft Charge$5
Non-Sufficient Funds (NSF)$25
per item
Second Chance Checking NSF$30
per item
Overdraft Transfer Fee from pre-selected share account$2
per item

ATM & Card

ATM Transactions$1
per item
Replacement Card$10

Wire Transfers

Domestic Wire Transfers$20
International Wire Out$40

Check Services

Counter Checks (Teller Check) & Certified Checks$3
per item
Stop Payment$25
Counter Check$5
per item
Temporary Checks$5
Inactive Member Check Cashing (audience not stated, treated as personal)3%
Non-Member Check Cashing (audience not stated, treated as personal)5%
Foreign Item Deposit$50
Copy of Share Draft$1.50
per item
Sales Draft Copy$2

Digital & Electronic

ACH Origination Maintenance$15
per item
Non-Reoccurring ACH Origination$15
ACH Origination Return$15
Express Bill Pay Deactivation$10
Express Online Bill Pay Enrollment$10
per month

Cash & Deposit

Return Deposit Item$15
Shared Branch Returned Deposit$25

Account Services

Member Notary Service$2
Not compared: Charged per document; comparison unavailable
per document
Key Replacement$25
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10” X 10”$85
per year
Safe Deposit Box 10” X 10” (audience not stated, treated as personal)$85
per year
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$40
per year
Safe Deposit Box 3” X 5”$20
per year
Safe Deposit Box 3” X 5” (audience not stated, treated as personal)$20
per year
Safe Deposit Box 5” X 10”$55
per year
Safe Deposit Box 5” X 10” (audience not stated, treated as personal)$55
per year
Safe Drilling$200
Not compared: Box drilling or key fee

Lending Fees

Late Payment$15

Vehicle & Title

Lost Title/Lien Release$15

Other Fees

Copy of Statement$3
per item
Loan Application Processing - 2nd Request$25
Loan Refinance$50
Skip Payment Administrative Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Second Chance Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Dormant Account – No activity for 12months	$5	per month	None
Inactive Spending Account	$5	per month	None
ATM Adjustment	$15	Not stated	None
Reconciliation	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Swipe & Save Savings Excessive Withdrawal	$10	per item	None
Bad Address/Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Manual Overdraft Charge	$5	Not stated	None
Non-Sufficient Funds (NSF)	$25	per item	None
Second Chance Checking NSF	$30	per item	None
Overdraft Transfer Fee from pre-selected share account	$2	per item	None
ATM & Card
ATM Transactions	$1	per item	None
Replacement Card	$10	Not stated	None
Wire Transfers
Domestic Wire Transfers	$20	Not stated	None
International Wire Out	$40	Not stated	None
Check Services
Counter Checks (Teller Check) & Certified Checks	$3	per item	None
Stop Payment	$25	Not stated	None
Counter Check	$5	per item	None
Temporary Checks	$5	Not stated	None
Inactive Member Check Cashing (audience not stated, treated as personal)	3%	Not stated	None
Non-Member Check Cashing (audience not stated, treated as personal)	5%	Not stated	None
Foreign Item Deposit	$50	Not stated	None
Copy of Share Draft	$1.50	per item	None
Sales Draft Copy	$2	Not stated	None
Digital & Electronic
ACH Origination Maintenance	$15	per item	None
Non-Reoccurring ACH Origination	$15	Not stated	None
ACH Origination Return	$15	Not stated	None
Express Bill Pay Deactivation	$10	Not stated	None
Express Online Bill Pay Enrollment	$10	per month	None
Cash & Deposit
Return Deposit Item	$15	Not stated	None
Shared Branch Returned Deposit	$25	Not stated	None
Account Services
Member Notary Service	$2Not compared: Charged per document; comparison unavailable	per document	None
Key Replacement	$25Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10” X 10”	$85	per year	None
Safe Deposit Box 10” X 10” (audience not stated, treated as personal)	$85	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box 3” X 5”	$20	per year	None
Safe Deposit Box 3” X 5” (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Box 5” X 10”	$55	per year	None
Safe Deposit Box 5” X 10” (audience not stated, treated as personal)	$55	per year	None
Safe Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Lending Fees
Late Payment	$15	Not stated	None
Vehicle & Title
Lost Title/Lien Release	$15	Not stated	None
Other Fees
Copy of Statement	$3	per item	None
Loan Application Processing - 2nd Request	$25	Not stated	None
Loan Refinance	$50	Not stated	None
Skip Payment Administrative Fee	$35	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 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.

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