United Federal Credit Union

Headquarters: Mexico, Missouri
Charter: Credit Union
Assets: $302.1M
Fed district: St. Louis

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

Source: its fee schedule, read Nov 1, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
United Federal Credit Union: $25
United Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
United Federal Credit Union: $25
United Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
United Federal Credit Union: $1
United Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 United Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$2
per month
Account research$20
Bad Address (after 6 months)$5
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Overdraft fee$25
per item
Nonsufficient funds fee$25
Returned items (electronic check)$25
per item

ATM & Card

$1.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after five (5) per month$1
per transaction
Non-Network ATM$1
ATM/ Debit card replacement$6
Replacement card fee$5
per item
Foreign transactions1%of the transaction

Wire Transfers

Real Estate Payoff Statement: Wire Transfer- outgoing: Domestic$17
per item
Wire Transfer- incoming$5
per item

Check Services

Cashier’s check$1
Money Orders$1
per item
Stop Payment$25
per item
Check cashing (member)$3
Check cashing (non-member)$5
Foreign Check Collection$10
per item
Check copies$1
per item

Digital & Electronic

ACH origination fee$5

Cash & Deposit

Deposit Item Returned$5
per item

Account Services

Safe deposit box drill & key replacement$100
Not compared: Box drilling or key fee
Safe deposit box rental: Annually: S$20
per year
Garnishment Processing (each)$25
per item
Real Estate Subordination Agreement - Prepared by UCU$100
one time

Lending Fees

Late fee- Other Loans$20
Late fee- VISA$20
per item

Gift & Prepaid Cards

VISA Gift Card$2.50
Visa Travel Card Reload$2
per item

Other Fees

Statement Copies$1
Lien Release Replacement$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$2	per month	None
Account research	$20	Not stated	None
Bad Address (after 6 months)	$5Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
Overdraft fee	$25	per item	None
Nonsufficient funds fee	$25	Not stated	None
Returned items (electronic check)	$25	per item	None
ATM & Card
$1.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after five (5) per month	$1	per transaction	None
Non-Network ATM	$1	Not stated	None
ATM/ Debit card replacement	$6	Not stated	None
Replacement card fee	$5	per item	None
Foreign transactions	1%of the transaction	Not stated	None
Wire Transfers
Real Estate Payoff Statement: Wire Transfer- outgoing: Domestic	$17	per item	None
Wire Transfer- incoming	$5	per item	None
Check Services
Cashier’s check	$1	Not stated	None
Money Orders	$1	per item	None
Stop Payment	$25	per item	None
Check cashing (member)	$3	Not stated	None
Check cashing (non-member)	$5	Not stated	None
Foreign Check Collection	$10	per item	None
Check copies	$1	per item	None
Digital & Electronic
ACH origination fee	$5	Not stated	None
Cash & Deposit
Deposit Item Returned	$5	per item	None
Account Services
Safe deposit box drill & key replacement	$100Not compared: Box drilling or key fee	Not stated	None
Safe deposit box rental: Annually: S	$20	per year	None
Garnishment Processing (each)	$25	per item	None
Real Estate Subordination Agreement - Prepared by UCU	$100	one time	None
Lending Fees
Late fee- Other Loans	$20	Not stated	None
Late fee- VISA	$20	per item	None
Gift & Prepaid Cards
VISA Gift Card	$2.50	Not stated	None
Visa Travel Card Reload	$2	per item	None
Other Fees
Statement Copies	$1	Not stated	None
Lien Release Replacement	$5	Not stated	None

Account Maintenance

Dormant Account Fee$2
per month
Account research$20
Bad Address (after 6 months)$5
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Returned items (electronic check)$25
per item

ATM & Card

ATM/ Debit card replacement$6

Wire Transfers

Real Estate Payoff Statement: Wire Transfer- outgoing: Domestic$17
per item
Wire Transfer- incoming$5
per item

Check Services

Cashier’s check$1
Money Orders$1
per item
Stop Payment$25
per item
Check cashing (member)$3
Check cashing (non-member)$5
Foreign Check Collection$10
per item
Check copies$1
per item

Digital & Electronic

ACH origination fee$5

Cash & Deposit

Deposit Item Returned$5
per item

Account Services

Notary Service for Businesses$2
Safe deposit box drill & key replacement$100
Not compared: Box drilling or key fee
Safe deposit box rental: Annually: S$20
per year
Garnishment Processing (each)$25
per item
Real Estate Subordination Agreement - Prepared by UCU$100
one time

Lending Fees

Late fee- Other Loans$20
Late fee- VISA$20
per item

Gift & Prepaid Cards

VISA Gift Card$2.50
Visa Travel Card Reload$2
per item

Other Fees

Statement Copies$1
Lien Release Replacement$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$2	per month	None
Account research	$20	Not stated	None
Bad Address (after 6 months)	$5Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
Returned items (electronic check)	$25	per item	None
ATM & Card
ATM/ Debit card replacement	$6	Not stated	None
Wire Transfers
Real Estate Payoff Statement: Wire Transfer- outgoing: Domestic	$17	per item	None
Wire Transfer- incoming	$5	per item	None
Check Services
Cashier’s check	$1	Not stated	None
Money Orders	$1	per item	None
Stop Payment	$25	per item	None
Check cashing (member)	$3	Not stated	None
Check cashing (non-member)	$5	Not stated	None
Foreign Check Collection	$10	per item	None
Check copies	$1	per item	None
Digital & Electronic
ACH origination fee	$5	Not stated	None
Cash & Deposit
Deposit Item Returned	$5	per item	None
Account Services
Notary Service for Businesses	$2	Not stated	None
Safe deposit box drill & key replacement	$100Not compared: Box drilling or key fee	Not stated	None
Safe deposit box rental: Annually: S	$20	per year	None
Garnishment Processing (each)	$25	per item	None
Real Estate Subordination Agreement - Prepared by UCU	$100	one time	None
Lending Fees
Late fee- Other Loans	$20	Not stated	None
Late fee- VISA	$20	per item	None
Gift & Prepaid Cards
VISA Gift Card	$2.50	Not stated	None
Visa Travel Card Reload	$2	per item	None
Other Fees
Statement Copies	$1	Not stated	None
Lien Release Replacement	$5	Not stated	None

Correct a fee source

Nov 1, 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.

Fee change alerts

Get an email when United Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
United Federal Credit Union: $25
United Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
United Federal Credit Union: $25
United Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
United Federal Credit Union: $1
United Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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.

Published fee schedule

Amounts from United Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$2
per month
Account research$20
Bad Address (after 6 months)$5
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Overdraft fee$25
per item
Nonsufficient funds fee$25
Returned items (electronic check)$25
per item

ATM & Card

$1.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after five (5) per month$1
per transaction
Non-Network ATM$1
ATM/ Debit card replacement$6
Replacement card fee$5
per item
Foreign transactions1%of the transaction

Wire Transfers

Real Estate Payoff Statement: Wire Transfer- outgoing: Domestic$17
per item
Wire Transfer- incoming$5
per item

Check Services

Cashier’s check$1
Money Orders$1
per item
Stop Payment$25
per item
Check cashing (member)$3
Check cashing (non-member)$5
Foreign Check Collection$10
per item
Check copies$1
per item

Digital & Electronic

ACH origination fee$5

Cash & Deposit

Deposit Item Returned$5
per item

Account Services

Safe deposit box drill & key replacement$100
Not compared: Box drilling or key fee
Safe deposit box rental: Annually: S$20
per year
Garnishment Processing (each)$25
per item
Real Estate Subordination Agreement - Prepared by UCU$100
one time

Lending Fees

Late fee- Other Loans$20
Late fee- VISA$20
per item

Gift & Prepaid Cards

VISA Gift Card$2.50
Visa Travel Card Reload$2
per item

Other Fees

Statement Copies$1
Lien Release Replacement$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$2	per month	None
Account research	$20	Not stated	None
Bad Address (after 6 months)	$5Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
Overdraft fee	$25	per item	None
Nonsufficient funds fee	$25	Not stated	None
Returned items (electronic check)	$25	per item	None
ATM & Card
$1.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after five (5) per month	$1	per transaction	None
Non-Network ATM	$1	Not stated	None
ATM/ Debit card replacement	$6	Not stated	None
Replacement card fee	$5	per item	None
Foreign transactions	1%of the transaction	Not stated	None
Wire Transfers
Real Estate Payoff Statement: Wire Transfer- outgoing: Domestic	$17	per item	None
Wire Transfer- incoming	$5	per item	None
Check Services
Cashier’s check	$1	Not stated	None
Money Orders	$1	per item	None
Stop Payment	$25	per item	None
Check cashing (member)	$3	Not stated	None
Check cashing (non-member)	$5	Not stated	None
Foreign Check Collection	$10	per item	None
Check copies	$1	per item	None
Digital & Electronic
ACH origination fee	$5	Not stated	None
Cash & Deposit
Deposit Item Returned	$5	per item	None
Account Services
Safe deposit box drill & key replacement	$100Not compared: Box drilling or key fee	Not stated	None
Safe deposit box rental: Annually: S	$20	per year	None
Garnishment Processing (each)	$25	per item	None
Real Estate Subordination Agreement - Prepared by UCU	$100	one time	None
Lending Fees
Late fee- Other Loans	$20	Not stated	None
Late fee- VISA	$20	per item	None
Gift & Prepaid Cards
VISA Gift Card	$2.50	Not stated	None
Visa Travel Card Reload	$2	per item	None
Other Fees
Statement Copies	$1	Not stated	None
Lien Release Replacement	$5	Not stated	None

Account Maintenance

Dormant Account Fee$2
per month
Account research$20
Bad Address (after 6 months)$5
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Returned items (electronic check)$25
per item

ATM & Card

ATM/ Debit card replacement$6

Wire Transfers

Real Estate Payoff Statement: Wire Transfer- outgoing: Domestic$17
per item
Wire Transfer- incoming$5
per item

Check Services

Cashier’s check$1
Money Orders$1
per item
Stop Payment$25
per item
Check cashing (member)$3
Check cashing (non-member)$5
Foreign Check Collection$10
per item
Check copies$1
per item

Digital & Electronic

ACH origination fee$5

Cash & Deposit

Deposit Item Returned$5
per item

Account Services

Notary Service for Businesses$2
Safe deposit box drill & key replacement$100
Not compared: Box drilling or key fee
Safe deposit box rental: Annually: S$20
per year
Garnishment Processing (each)$25
per item
Real Estate Subordination Agreement - Prepared by UCU$100
one time

Lending Fees

Late fee- Other Loans$20
Late fee- VISA$20
per item

Gift & Prepaid Cards

VISA Gift Card$2.50
Visa Travel Card Reload$2
per item

Other Fees

Statement Copies$1
Lien Release Replacement$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$2	per month	None
Account research	$20	Not stated	None
Bad Address (after 6 months)	$5Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
Returned items (electronic check)	$25	per item	None
ATM & Card
ATM/ Debit card replacement	$6	Not stated	None
Wire Transfers
Real Estate Payoff Statement: Wire Transfer- outgoing: Domestic	$17	per item	None
Wire Transfer- incoming	$5	per item	None
Check Services
Cashier’s check	$1	Not stated	None
Money Orders	$1	per item	None
Stop Payment	$25	per item	None
Check cashing (member)	$3	Not stated	None
Check cashing (non-member)	$5	Not stated	None
Foreign Check Collection	$10	per item	None
Check copies	$1	per item	None
Digital & Electronic
ACH origination fee	$5	Not stated	None
Cash & Deposit
Deposit Item Returned	$5	per item	None
Account Services
Notary Service for Businesses	$2	Not stated	None
Safe deposit box drill & key replacement	$100Not compared: Box drilling or key fee	Not stated	None
Safe deposit box rental: Annually: S	$20	per year	None
Garnishment Processing (each)	$25	per item	None
Real Estate Subordination Agreement - Prepared by UCU	$100	one time	None
Lending Fees
Late fee- Other Loans	$20	Not stated	None
Late fee- VISA	$20	per item	None
Gift & Prepaid Cards
VISA Gift Card	$2.50	Not stated	None
Visa Travel Card Reload	$2	per item	None
Other Fees
Statement Copies	$1	Not stated	None
Lien Release Replacement	$5	Not stated	None

Correct a fee source

Nov 1, 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.