Members1St Community Federal Credit Union

Headquarters: Marshalltown, Iowa
Charter: Credit Union
Assets: $311.1M
Fed district: Chicago

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

Source: its fee schedule, read Oct 13, 2026.

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Fees against the market

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

Monthly Maintenance
Rebuild Checking Account
Members1St Community Federal Credit Union: $10
Members1St Community Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Members1St Community Federal Credit Union: $25
Members1St Community Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Members1St Community Federal Credit Union: $25
Members1St Community Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Members1St Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Rebuild Checking Account Monthly service charge$10
per month
Account Closure (within 90 days of opening)$5
Inactivity Fee after 12 months$10
per month
Reconcilement/Research ($10 min)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (Waived for members ages 12 & under and 73+)$2
Returned Mail$10
per month

Overdraft & NSF

Courtesy Pay$25
per item
Non-Sufficient Funds$25
per item
Transfer to cover Overdraft$5
per item

ATM & Card

ATM Transactions (per item)$1.50
Not compared: Monthly charge, not per item
per month
Debit/ATM/Credit Card Replacement$15
International Service Assessment for Foreign Country Card Transactions1%of the transaction

Wire Transfers

Wire Transfer – Outgoing Domestic$20
per item
Wire Transfer – Incoming$10
per item
Wire Transfer – Outgoing Int’l$50
per item

Check Services

Teller Check$5
per item
Money Orders$2
per item
Stop Payment$22
per item
Counter Checks (per book of 8)$10
per item
Foreign Check Dep – Int’l Collections$25
per item
Copy of Draft$2
per item

Cash & Deposit

Coin Counting for Members3%
Coin Counting for Non-Member 3% Return Deposit Item (per item)$10
per item

Account Services

Levy or Garnishment$35

Retirement & IRA

IRA Closing$25

Other Fees

Statement Copy$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Rebuild Checking Account Monthly service charge	$10	per month	None
Account Closure (within 90 days of opening)	$5	Not stated	None
Inactivity Fee after 12 months	$10	per month	None
Reconcilement/Research ($10 min)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (Waived for members ages 12 & under and 73+)	$2	Not stated	None
Returned Mail	$10	per month	None
Overdraft & NSF
Courtesy Pay	$25	per item	None
Non-Sufficient Funds	$25	per item	None
Transfer to cover Overdraft	$5	per item	None
ATM & Card
ATM Transactions (per item)	$1.50Not compared: Monthly charge, not per item	per month	None
Debit/ATM/Credit Card Replacement	$15	Not stated	None
International Service Assessment for Foreign Country Card Transactions	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer – Outgoing Domestic	$20	per item	None
Wire Transfer – Incoming	$10	per item	None
Wire Transfer – Outgoing Int’l	$50	per item	None
Check Services
Teller Check	$5	per item	None
Money Orders	$2	per item	None
Stop Payment	$22	per item	None
Counter Checks (per book of 8)	$10	per item	None
Foreign Check Dep – Int’l Collections	$25	per item	None
Copy of Draft	$2	per item	None
Cash & Deposit
Coin Counting for Members	3%	Not stated	None
Coin Counting for Non-Member 3% Return Deposit Item (per item)	$10	per item	None
Account Services
Levy or Garnishment	$35	Not stated	None
Retirement & IRA
IRA Closing	$25	Not stated	None
Other Fees
Statement Copy	$2	per item	None

Correct a fee source

Oct 13, 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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