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

Northwoods Federal Credit Union

Cloquet, MinnesotaCredit UnionMinneapolis Fed districtFees collected Oct 3, 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

Inactive account fee$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

NSF preauthorized withdrawal$30Within the typical range ($25–$31 nationally)
At the national median
Source
Overdraft$30Within the typical range ($25–$32 nationally)
At the national median
Source
Returned ACH origination item$20Below the typical range ($25–$31 nationally)
$10 below the national median
Source

ATM & CardVerified

Card replacement fee (per card)$10Within the typical range ($5–$10 nationally)
At the national median
Source
Rush plastics replacement card$45Within the typical range ($30–$50 nationally)
$5 above the national median
Source

Wire TransfersVerified

Domestic wire out$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source
Incoming wire$5Within the typical range ($5–$15 nationally)
$5 below the national median
Source

Check ServicesVerified

Counter checks$1Within the typical range ($1–$4 nationally)
$1 below the national median
Source
Non-member check cashing$5Within the typical range ($5–$10 nationally)
At the national median
Source
Official check$5Within the typical range ($3–$5 nationally)
At the national median
Source
Photocopy of draft$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Stop payment (single item)$30Within the typical range ($20–$30 nationally)
$5 above the national median
Source

Account ServicesVerified

Drilling of box$175Above the typical range ($25–$80 nationally)
$130 above the national median
Source
Levy/Garnishment fee$15Below the typical range ($30–$75 nationally)
$35 below the national median
Source
Lost key$15Below the typical range ($25–$80 nationally)
$30 below the national median
Source
Non-member notary service$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source

Lending FeesVerified

Late payment (per month)$5Below the typical range ($15–$25 nationally)
$17.50 below the national median
per month · Source
Loan late fee (after 10 days delinquent)$25Within the typical range ($15–$25 nationally)
$2.50 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Inactive account fee	$5Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Share Draft reconciliation (per hour - 1 hour minimum)	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
Overdraft & NSFVerified
NSF preauthorized withdrawal	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
Overdraft	$30Within the typical range ($25–$32 nationally)
ATM & CardVerified
Card replacement fee (per card)	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Rush plastics replacement card	$45
Wire TransfersVerified
Domestic wire out	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Incoming wire	$5
Check ServicesVerified
Counter checks	$1Within the typical range ($1–$4 nationally)	$1 below the national median	—	—	Source
Non-member check cashing	$5
Digital & ElectronicVerified
ACH origination change fee	$15Within the typical range ($5–$20 nationally)	$5 above the national median	—	—	Source
Cash & DepositVerified
Returned deposit item	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	—	Source
Account ServicesVerified
Drilling of box	$175Above the typical range ($25–$80 nationally)	$130 above the national median	—	—	Source
Levy/Garnishment fee	$15
Lending FeesVerified
Late payment (per month)	$5Below the typical range ($15–$25 nationally)	$17.50 below the national median	per month	—	Source
Loan late fee (after 10 days delinquent)	$25
Gift & Prepaid CardsVerified
Visa Gift Card	$3.95Within the typical range ($3–$4.40 nationally)	$0.45 above the national median	—	—	Source
Other FeesVerified
Statement copies/mailed copies	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source

Fee change alerts

Get an email when Northwoods Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Northwoods Federal Credit Union? Benchmark it against peers, free

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: 24 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$175.2M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$175.2M

Total deposits

$154.7M

Service charge income (year to date)

$442K

Fee income ratio

6.0%

Return on assets

1.35%

Financial profile · Pro

Northwoods Federal Credit Union

Published fees

Get an email when Northwoods Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

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