Credit Union of Emporia

Headquarters: Emporia, Kansas
Charter: Credit Union
Assets: $42.1M
Fed district: Kansas City

16 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
Credit Union of Emporia: $4
Credit Union of Emporia: $4
U.S. median: no median
NSF / Returned Item
Credit Union of Emporia: $25
Credit Union of Emporia: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Credit Union of Emporia: $25
Credit Union of Emporia: $25
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 Kansas, 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).
Kansas: Banks and credit unions headquartered in Kansas 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 Credit Union of Emporia’s own schedules, with a source for each figure.

Account Maintenance

Checking Monthly fee$4
per month
Account closed within six months$20
Checkbook reconciliation fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Insufficient Funds Fee$25
per item

ATM & Card

Replacement card due to fraud$15
per item
Rushed card-additional fee$25
per item

Wire Transfers

Outgoing Wire (Domestic)$25
per item
Incoming Wire (Domestic)$4
per item
Wire Fee (International)$50
per item

Check Services

Official Check (to third party)$3
per item
Money orders$2
per item
Stop Payment$25
per item
Check Cashing fee$5
per transaction
Check copy fee$2
per item

Cash & Deposit

Loose Coin (audience not stated, treated as personal)10%

Account Services

Legal Process Fee$10

Gift & Prepaid Cards

Visa Gift Card$3
per item
Visa Reloadable Card - reload$1

Other Fees

Faxes$1
per item · per page

Fee	Amount	Basis	Note
Account Maintenance
Checking Monthly fee	$4	per month	None
Account closed within six months	$20	Not stated	None
Checkbook reconciliation fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Insufficient Funds Fee	$25	per item	None
ATM & Card
Replacement card due to fraud	$15	per item	None
Rushed card-additional fee	$25	per item	None
Wire Transfers
Outgoing Wire (Domestic)	$25	per item	None
Incoming Wire (Domestic)	$4	per item	None
Wire Fee (International)	$50	per item	None
Check Services
Official Check (to third party)	$3	per item	None
Money orders	$2	per item	None
Stop Payment	$25	per item	None
Check Cashing fee	$5	per transaction	None
Check copy fee	$2	per item	None
Cash & Deposit
Loose Coin (audience not stated, treated as personal)	10%	Not stated	None
Account Services
Legal Process Fee	$10	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	per item	None
Visa Reloadable Card - reload	$1	Not stated	None
Other Fees
Faxes	$1	per item	per page

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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