Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Educational Community Federal Credit Union

Springfield, MissouriCredit UnionSt. Louis Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account closed within 90 days of opening$25Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=early_closure; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Account closed within 90 days of opening | $25" · Source

Account research by staff$20

$5 below the national median

Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=account_research; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Account research by staff | $20/hour ($10 minimum)" · Source

Dormant account closure and state remittance to MO$25

$20 above the national median

Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=dormant_account; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Dormant account closure and state remittance to MO | $25" · Source

Dormant account fee (Quarterly)$10

$5 above the national median

Overdraft & NSFVerified

Overdraft – electronic (ACH, ATM, debit card, POS)$30Within the typical range ($25–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=overdraft; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Overdraft – electronic (ACH, ATM, debit card, POS) | $30" · Source
Return ACH item$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=nsf; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Return ACH item | $25" · Source

ATM & CardVerified

ATM withdrawal - foreign (non-CO-OP ATM)$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=atm_non_network; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="ATM withdrawal - foreign (non-CO-OP ATM) | $1" · Source
ATM withdrawal (non credit union card)$2Within the typical range ($1–$2.50 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=atm_non_network; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="ATM withdrawal (non credit union card) | $2" · Source
Replacement ATM/debit card/credit card$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=card_replacement; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Replacement ATM/debit card/credit card | $10" · Source

Wire TransfersVerified

Wire transfers - domestic incoming (via Federal Reserve)$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=wire_domestic_incoming; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Wire transfers - domestic incoming (via Federal Reserve) | $10" · Source
Wire transfers - domestic outgoing (via Federal Reserve)$30Above the typical range ($20–$25 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=wire_domestic_outgoing; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Wire transfers - domestic outgoing (via Federal Reserve) | $30" · Source

Check ServicesVerified

Cashier’s check$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=cashiers_check; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Cashier’s check | $2" · Source
Cleared check copy In Person Internet Banking$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=check_image; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Cleared check copy In Person Internet Banking | $2 Free" · Source
Money order (third-party payment)$2Within the typical range ($2–$3.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=money_order; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Money order (third-party payment) | $2" · Source
Stop payment (ACH or share draft)$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=stop_payment; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Stop payment (ACH or share draft) | $20" · Source

Digital & ElectronicVerified

ACH Origination NSF/Return Item Fee$25Within the typical range ($15–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=ach_return; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="ACH Origination NSF/Return Item Fee | $25" · Source

Account ServicesVerified

Copy of Lien Release (first copy no charge)$10Below the typical range ($30–$125 nationally)
$65 below the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=legal_process; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Copy of Lien Release (first copy no charge) | $10" · Source
Garnishment fee at funds pay out$20Below the typical range ($30–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=garnishment_levy; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Garnishment fee at funds pay out | $20" · Source
Notary service to members$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #4708. canonical_hint=notary_fee; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Notary service to members | Free" · Source
Notary service to non-members$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=notary_fee; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Notary service to non-members | $5" · Source
Safe deposit box drilled | Approximately$225Above the typical range ($25–$75 nationally)
$182.50 above the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=safe_deposit_box; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Safe deposit box drilled | Approximately $225" · Source
Safe deposit box key replacement | Approx.$25Within the typical range ($25–$75 nationally)
$17.50 below the national median
Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=safe_deposit_box; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Safe deposit box key replacement | Approx. $25" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account closed within 90 days of opening	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=early_closure; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Account closed within 90 days of opening \| $25"	Source
Account research by staff	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=account_research; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Account research by staff \| $20/hour ($10 minimum)"	Source
Dormant account closure and state remittance to MO	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=dormant_account; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Dormant account closure and state remittance to MO \| $25"	Source
Dormant account fee (Quarterly)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=dormant_account; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Dormant account fee (Quarterly) \| $10"	Source
Overdraft & NSFVerified
Overdraft – electronic (ACH, ATM, debit card, POS)	$30Within the typical range ($25–$30 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=overdraft; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Overdraft – electronic (ACH, ATM, debit card, POS) \| $30"	Source
Return ACH item
ATM & CardVerified
ATM withdrawal - foreign (non-CO-OP ATM)	$1Within the typical range ($1–$2.50 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=atm_non_network; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="ATM withdrawal - foreign (non-CO-OP ATM) \| $1"	Source
ATM withdrawal (non credit union card)
Wire TransfersVerified
Wire transfers - domestic incoming (via Federal Reserve)	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=wire_domestic_incoming; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Wire transfers - domestic incoming (via Federal Reserve) \| $10"	Source
Wire transfers - domestic outgoing (via Federal Reserve)
Check ServicesVerified
Cashier’s check	$2Below the typical range ($3–$5.50 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=cashiers_check; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Cashier’s check \| $2"	Source
Cleared check copy In Person Internet Banking
Digital & ElectronicVerified
ACH Origination NSF/Return Item Fee	$25Within the typical range ($15–$30 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=ach_return; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="ACH Origination NSF/Return Item Fee \| $25"	Source
Account ServicesVerified
Copy of Lien Release (first copy no charge)	$10Below the typical range ($30–$125 nationally)	$65 below the national median	—	Knox deterministic extraction from Rosetta artifact #4708. canonical_hint=legal_process; text_hash=3cfbe0b1572425f6a48551627dc7e345cb184d20563320f7c5386d865a6eaab2; excerpt="Copy of Lien Release (first copy no charge) \| $10"	Source
Garnishment fee at funds pay out

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 22 — leaner than most institutions

Published fees

Under review

Assets

$77.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$77.7M

Total deposits

$69.5M

Service charge income (year to date)

$120K

Fee income ratio

5.9%

Return on assets

0.58%

Financial profile · Pro

Performance from regulator filings

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

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