Multi-States Federal Credit Union

Headquarters: Springfield, Missouri
Charter: Credit Union
Assets: $90.9M
Fed district: St. Louis

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

Monthly Maintenance
Fresh Start Checking
Multi-States Federal Credit Union: $5
Multi-States Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Multi-States Federal Credit Union: $30
Multi-States Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Multi-States Federal Credit Union: $15
Multi-States Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis 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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 Multi-States Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Checking-Monthly Service Charge$5
per month
Dormant Account Fee Monthly$5
per month
Account Reconciliation (per hr)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee Monthly$2
per month
Bad Address Fee (Annually)$5
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Courtesy Pay Fee$30
NSF/Overdraft/Reg D Fees (audience not stated, treated as personal)$30
Automatic Overdraft Transfer from Savings to Checking Acct$2

ATM & Card

Replacement ATM Card (audience not stated, treated as personal)$5
Replacement Debit Card$5
Expedited Debit Card$55

Wire Transfers

Wire Transfer - Outgoing$15

Check Services

Teller check void$3
Teller check-payable to 3rd Party (audience not stated, treated as personal)$3
Stop Payment - Block Stop$25
Stop Payment - Single Item$15
Stop payment on teller check-after 90 days (audience not stated, treated as personal)$15
Copy of Sales Draft$15

Digital & Electronic

ACH Payment Origination Stop/Restart$20

Cash & Deposit

First-Party NSF Deposited Check/Loan Payment$15
per item

Account Services

Safe Deposit Box 10x10$65
Safe Deposit Box 3x10$25
Safe Deposit Box 5x10$40
Safe Deposit Boxes$15
Tax levy or garnishment or lien$25

Lending Fees

Loan Origination Fee$35

Other Fees

Previous month statement copy$5
Emergency Help Loan Application Fee$20

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking-Monthly Service Charge	$5	per month	None
Dormant Account Fee Monthly	$5	per month	None
Account Reconciliation (per hr)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee Monthly	$2	per month	None
Bad Address Fee (Annually)	$5Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
NSF/Overdraft/Reg D Fees (audience not stated, treated as personal)	$30	Not stated	None
Automatic Overdraft Transfer from Savings to Checking Acct	$2	Not stated	None
ATM & Card
Replacement ATM Card (audience not stated, treated as personal)	$5	Not stated	None
Replacement Debit Card	$5	Not stated	None
Expedited Debit Card	$55	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$15	Not stated	None
Check Services
Teller check void	$3	Not stated	None
Teller check-payable to 3rd Party (audience not stated, treated as personal)	$3	Not stated	None
Stop Payment - Block Stop	$25	Not stated	None
Stop Payment - Single Item	$15	Not stated	None
Stop payment on teller check-after 90 days (audience not stated, treated as personal)	$15	Not stated	None
Copy of Sales Draft	$15	Not stated	None
Digital & Electronic
ACH Payment Origination Stop/Restart	$20	Not stated	None
Cash & Deposit
First-Party NSF Deposited Check/Loan Payment	$15	per item	None
Account Services
Safe Deposit Box 10x10	$65	Not stated	None
Safe Deposit Box 3x10	$25	Not stated	None
Safe Deposit Box 5x10	$40	Not stated	None
Safe Deposit Boxes	$15	Not stated	None
Tax levy or garnishment or lien	$25	Not stated	None
Lending Fees
Loan Origination Fee	$35	Not stated	None
Other Fees
Previous month statement copy	$5	Not stated	None
Emergency Help Loan Application Fee	$20	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

Feb 17, 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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