vs. U.S. typical range:LowerTypicalHigher
$7.50 below the national median$15 below the Missouri median
$3 below the national median$3 below the Missouri median
per month · Source
$2.50 above the national median$2.50 above the Missouri median
$12.50 below the national median$12.50 below the Missouri median
per year · Source
$5 below the national median$4.25 below the Missouri median
per item · Source
$5 below the national median$4.25 below the Missouri median
per item · Source
$5 below the national median$3 below the Missouri median
$5 below the national median$3 below the Missouri median
per item · Source
$0.50 below the national median$0.50 below the Missouri median
per transaction · Source
$0.50 below the national median$0.50 below the Missouri median
$4 below the national median$4 below the Missouri median
$5 below the national median$5 below the Missouri median
per item · Source
—
$8 below the national median$8 below the Missouri median
per item · Source
$5 below the national median$5 below the Missouri median
per item · Source
$4 below the national median$4 below the Missouri median
$1 below the national median$1 below the Missouri median
per item · Source
$2.50 below the national median$3 below the Missouri median
per item · Source
$2 below the national median$2 below the Missouri median
At the national medianAt the Missouri median
$10 below the national median$10 below the Missouri median
per item · Source
$2 below the national median$1 below the Missouri median
per item · Source
$5 below the national median$5 below the Missouri median
$10 below the national median$5 below the Missouri median
per item · Source
$0.50 below the national median$1 above the Missouri median
$55 above the national median$67.50 above the Missouri median
$25 below the national median$12.50 below the Missouri median
per year · Source
$25 below the national median$25 below the Missouri median
per item · Source
At the national median$10 above the Missouri median
$1 below the national median$1.50 below the Missouri median
$1.50 below the national median$2 below the Missouri median
per item · Source
$2 below the national median$1 below the Missouri median
$32.50 below the national median$10 below the Missouri median
$62.50 above the national median$85 above the Missouri median
one time · Institution’s schedule
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Christmas Club early withdrawal | $10Within the typical range ($10–$25 nationally) | $7.50 below the national median$15 below the Missouri median | — | — | Source |
| Dormant Account Fee | $2Below the typical range ($5–$10 nationally) | $3 below the national median$3 below the Missouri median | per month | — | Source |
| Account research | $20Within the typical range ($11–$25 nationally) | $2.50 above the national median$2.50 above the Missouri median | — | — | Source |
| Bad Address (after 6 months) | $5Below the typical range ($11–$25 nationally) | $12.50 below the national median$12.50 below the Missouri median | per year | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft fee | $25Within the typical range ($25–$33 nationally) | $5 below the national median$4.25 below the Missouri median | per item | — | Source |
| Overdraft fee (each time we pay an overdraft) | $25 | ||||
ATM & CardVerified | |||||
| $1.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after five (5) per month | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national median$0.50 below the Missouri median | per transaction | — | Source |
| charge for ATM withdrawals at machines we do not own (nonproprietary) after five (5) per month | |||||
Wire TransfersVerified | |||||
| Real Estate Payoff Statement: Wire Transfer- outgoing: Domestic | $17Below the typical range ($20–$25 nationally) | $8 below the national median$8 below the Missouri median | per item | — | Source |
| Wire Transfer- incoming | $5 | ||||
Check ServicesVerified | |||||
| Cashier’s check | $1Below the typical range ($3–$6 nationally) | $4 below the national median$4 below the Missouri median | — | — | Source |
| Money Orders | $1 | ||||
Digital & ElectronicVerified | |||||
| ACH origination fee | $5Within the typical range ($5–$20 nationally) | $5 below the national median$5 below the Missouri median | — | — | Source |
Cash & DepositVerified | |||||
| Deposit Item Returned | $5Below the typical range ($8–$25 nationally) | $10 below the national median$5 below the Missouri median | per item | — | Source |
Account ServicesVerified | |||||
| Notary Service for Businesses | $2Within the typical range ($0–$5 nationally) | $0.50 below the national median$1 above the Missouri median | — | — | Source |
| Safe deposit box drill & key replacement | $100 | ||||
Lending FeesVerified | |||||
| Late fee- Other Loans | $20Within the typical range ($10–$25 nationally) | At the national median$10 above the Missouri median | — | — | Source |
Gift & Prepaid CardsVerified | |||||
| VISA Gift Card | $2.50Below the typical range ($3–$4.95 nationally) | $1 below the national median$1.50 below the Missouri median | — | — | Source |
| Visa Travel Card Reload | $2 | ||||
Other FeesVerified | |||||
| Statement Copies | $1Below the typical range ($2–$5 nationally) | $2 below the national median$1 below the Missouri median | — | — | Source |
| Lien Release Replacement | $5 | ||||
Overdraft
$25.00
Of 27 others that publish it, 3 lower, 7 the same and 17 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$25
Headline fees published
10 of 15
Published fees
33
Under review
0
Assets
$302.1M
Work at United Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$302.1M
Total deposits
$253.5M
Service charge income (year to date)
$1.6M
Fee income ratio
13.6%
Return on assets
1.19%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $5 below the national median$4.25 below the Missouri median |
| per item |
| — |
| Source |
| Nonsufficient funds fee | $25Within the typical range ($25–$32 nationally) | $5 below the national median$3 below the Missouri median | — | — | Source |
| Returned items (electronic check) | $25Within the typical range ($25–$32 nationally) | $5 below the national median$3 below the Missouri median | per item | — | Source |
| $1Within the typical range ($1–$2.25 nationally) |
| $0.50 below the national median$0.50 below the Missouri median |
| — |
| — |
| Source |
| ATM/ Debit card replacement | $6Within the typical range ($5–$10 nationally) | $4 below the national median$4 below the Missouri median | — | — | Source |
| Replacement card fee | $5Within the typical range ($5–$10 nationally) | $5 below the national median$5 below the Missouri median | per item | — | Source |
| Foreign transactions | 1%of the transaction | — | — | — | Source |
| $5 below the national median$5 below the Missouri median |
| per item |
| — |
| Source |
| $1 below the national median$1 below the Missouri median |
| per item |
| — |
| Source |
| Stop Payment | $25Within the typical range ($20–$30 nationally) | $2.50 below the national median$3 below the Missouri median | per item | — | Source |
| Check cashing (member) | $3Below the typical range ($5–$10 nationally) | $2 below the national median$2 below the Missouri median | — | — | Source |
| Check cashing (non-member) | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Missouri median | — | — | Source |
| Foreign Check Collection | $10Within the typical range ($10–$25 nationally) | $10 below the national median$10 below the Missouri median | per item | — | Source |
| Check copies | $1Below the typical range ($2–$5 nationally) | $2 below the national median$1 below the Missouri median | per item | — | Source |
| $55 above the national median$67.50 above the Missouri median |
| — |
| — |
| Source |
| Safe deposit box rental: Annually: S | $20Below the typical range ($30–$70 nationally) | $25 below the national median$12.50 below the Missouri median | per year | — | Source |
| Garnishment Processing (each) | $25Below the typical range ($30–$90 nationally) | $25 below the national median$25 below the Missouri median | per item | — | Source |
| $1.50 below the national median$2 below the Missouri median |
| per item |
| — |
| Source |
| $32.50 below the national median$10 below the Missouri median |
| — |
| — |
| Source |
| Real Estate Subordination Agreement - Prepared by UCU | $100Within the typical range ($25–$100 nationally) | $62.50 above the national median$85 above the Missouri median | one time | — | Institution’s schedule |