Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Minnco Federal Credit Union

Cambridge, MinnesotaCredit UnionMinneapolis Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$30Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$30Within the typical range ($25–$32 nationally)
At the national median
Source
Non-sufficient Funds Returned Fee$30Within the typical range ($25–$31.50 nationally)
At the national median
Source
Return Check Fee$25Within the typical range ($25–$31.50 nationally)
$5 below the national median
Source

Check ServicesVerified

ACH Stop Payment$25Within the typical range ($20–$30 nationally)
$1 below the national median
Source
Cashier’s Check (one free per day)$5Within the typical range ($3–$5.50 nationally)
At the national median
per day · Source
Cashier’s Check (Second Withdrawal)$25Above the typical range ($3–$5.50 nationally)
$20 above the national median
Source
Cashier’s Check Copy$3Within the typical range ($2–$5 nationally)
At the national median
Source
Check Image$5Within the typical range ($2–$5 nationally)
$2 above the national median
per month · Source
Check Image (Additional transactions)$1Below the typical range ($2–$5 nationally)
$2 below the national median
per transaction · Source
Check Image (First 10 transactions per month)$0Below the typical range ($2–$5 nationally)
$3 below the national median
per month · Source
Money Order (one free per day)$5Above the typical range ($1.75–$3 nationally)
$3 above the national median
per day · Source
Stop Payment (per check)$25Within the typical range ($20–$30 nationally)
$1 below the national median
per item · Source

Digital & ElectronicVerified

ACH Return$30Within the typical range ($17.75–$30 nationally)
$3 above the national median
Source
ACH Return (Additional transactions)$1Below the typical range ($17.75–$30 nationally)
$26 below the national median
per transaction · Source
ACH Return (First 10 transactions per month)$0Below the typical range ($17.75–$30 nationally)
$27 below the national median
per month · Source

Account ServicesVerified

10 x 10$80Above the typical range ($25–$77.50 nationally)
$35 above the national median
Source
3 x 10$40Within the typical range ($25–$77.50 nationally)
$5 below the national median
Source
3 x 5$20Below the typical range ($25–$77.50 nationally)
$25 below the national median
Source
Coin and Currency | Non-Member Notary$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source
Drill/Replace Lock (includes keys)$250Above the typical range ($25–$77.50 nationally)
$205 above the national median
Source
Money Market Account | Levy or Garnishment$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source

Lending FeesVerified

Late Fee (after 10 days)$20Within the typical range ($15–$25 nationally)
$2 below the national median
Source
Late Fee (if not paid by 1 st of month)$25Within the typical range ($15–$25 nationally)
$3 above the national median
Source

Other FeesVerified

in savings and/or | Skip a Pay$30Within the typical range ($21.25–$35 nationally)
At the national median
Source
Photocopy (per page)$0.10Below the typical range ($2–$5 nationally)
$2.90 below the national median
Source
Statement Copy$3Within the typical range ($2–$5 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Classic Checking Below Minimum Balance Fee	$3Within the typical range ($3–$10 nationally)	$2 below the national median	—	—	Source
Dormant Account Fee–Monthly	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Plus Checking Below Minimum Balance Fee	$5Within the typical range ($3–$10 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$30Within the typical range ($25–$32 nationally)	At the national median	—	—	Source
Non-sufficient Funds Returned Fee	$30
ATM & CardVerified
Replace Card	$10Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Replacement Card	$10
Wire TransfersVerified
Wire Transfers: Domestic-Outgoing	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Check ServicesVerified
ACH Stop Payment	$25Within the typical range ($20–$30 nationally)	$1 below the national median	—	—	Source
Cashier’s Check (one free per day)	$5
Digital & ElectronicVerified
ACH Return	$30Within the typical range ($17.75–$30 nationally)	$3 above the national median	—	—	Source
ACH Return (Additional transactions)	$1
Cash & DepositVerified
Cash Advance Fee (Finance Charge) ….….….	$5Within the typical range ($3–$10 nationally)	At the national median	—	—	Source
Account ServicesVerified
10 x 10	$80Above the typical range ($25–$77.50 nationally)	$35 above the national median	—	—	Source
3 x 10	$40
Lending FeesVerified
Late Fee (after 10 days)	$20Within the typical range ($15–$25 nationally)	$2 below the national median	—	—	Source
Late Fee (if not paid by 1 st of month)	$25
Mortgage ServicingVerified
Duplicate Lien Release	$10Within the typical range ($10–$24.75 nationally)	$2.50 below the national median	—	—	Source
Other FeesVerified
in savings and/or \| Skip a Pay	$30Within the typical range ($21.25–$35 nationally)	At the national median	—	—	Source
Photocopy (per page)	$0.10

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 35

Headline fees published

7 of 15

Published fees

Under review

Assets

$604.7M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$604.7M

Total deposits

$530.6M

Service charge income (year to date)

$1.6M

Fee income ratio

8.9%

Return on assets

0.91%

Financial profile · Pro

Performance from regulator filings

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Based on 37,029 published fee entries from 2,596 institutions

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