Minnco Federal Credit Union

Headquarters: Cambridge, Minnesota
Charter: Credit Union
Assets: $604.7M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 11, 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)
Minnco Federal Credit Union: $30
Minnco Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Minnco Federal Credit Union: $30
Minnco Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Minnco Federal Credit Union: $15
Minnco Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis 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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Below Minimum Balance Fee$5
Classic Checking Below Minimum Balance Fee$3
Plus Checking Below Minimum Balance Fee$5
Dormant Account Fee–Monthly$5
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address Fee$10

Overdraft & NSF

Courtesy Pay Fee$30
Non-sufficient Funds Returned Fee$30

ATM & Card

Replace Card$10
Replacement Card$10
Rush Fee$25
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers: Domestic-Outgoing$15
International Wire$50
International Wire Cancel$25

Check Services

Cashier’s Check (one free per day)$5
Not compared: Daily charge, not per item
per day
Cashier’s Check (Second Withdrawal) (audience not stated, treated as personal)$25
Money Order (one free per day)$5
Not compared: Daily charge, not per item
per day
ACH Stop Payment$25
Stop Payment (per check)$25
per item
Cashier’s Check Copy$3
Check Image$5
Check Image (First 10 transactions per month) (audience not stated, treated as personal)No charge

Digital & Electronic

ACH Return$30

Cash & Deposit

Cash Advance Fee (Finance Charge)$5
Return Check Fee$25

Account Services

Non-Member Notary$5
Drill/Replace Lock (includes keys)$250
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$80
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$60
per year
Safe Deposit Box 5 x 5$30
per year
Levy or Garnishment$100

Lending Fees

Late Fee (after 10 days)$20
Late Fee (if not paid by 1 st of month)$25

Other Fees

Photocopy (per page)$0.10
per item
Statement Copy$3
Statement/Document Copy Fee$5
per item
Duplicate Lien Release$10
Loan Payment Due Date Change$25
Other Lending Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance Fee	$5	Not stated	None
Classic Checking Below Minimum Balance Fee	$3	Not stated	None
Plus Checking Below Minimum Balance Fee	$5	Not stated	None
Dormant Account Fee–Monthly	$5	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address Fee	$10	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
Non-sufficient Funds Returned Fee	$30	Not stated	None
ATM & Card
Replace Card	$10	Not stated	None
Replacement Card	$10	Not stated	None
Rush Fee	$25	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Domestic-Outgoing	$15	Not stated	None
International Wire	$50	Not stated	None
International Wire Cancel	$25	Not stated	None
Check Services
Cashier’s Check (one free per day)	$5Not compared: Daily charge, not per item	per day	None
Cashier’s Check (Second Withdrawal) (audience not stated, treated as personal)	$25	Not stated	None
Money Order (one free per day)	$5Not compared: Daily charge, not per item	per day	None
ACH Stop Payment	$25	Not stated	None
Stop Payment (per check)	$25	per item	None
Cashier’s Check Copy	$3	Not stated	None
Check Image	$5	Not stated	None
Check Image (First 10 transactions per month) (audience not stated, treated as personal)	No charge	Not stated	None
Digital & Electronic
ACH Return	$30	Not stated	None
Cash & Deposit
Cash Advance Fee (Finance Charge)	$5	Not stated	None
Return Check Fee	$25	Not stated	None
Account Services
Non-Member Notary	$5	Not stated	None
Drill/Replace Lock (includes keys)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$80	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$60	per year	None
Safe Deposit Box 5 x 5	$30	per year	None
Levy or Garnishment	$100	Not stated	None
Lending Fees
Late Fee (after 10 days)	$20	Not stated	None
Late Fee (if not paid by 1 st of month)	$25	Not stated	None
Other Fees
Photocopy (per page)	$0.10	per item	None
Statement Copy	$3	Not stated	None
Statement/Document Copy Fee	$5	per item	None
Duplicate Lien Release	$10	Not stated	None
Loan Payment Due Date Change	$25	Not stated	None
Other Lending Fee	$30	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

Account Maintenance

Below Minimum Balance Fee$5
Business Plus Checking Below Min. Balance Fee$5
Not compared: Annual charge, not monthly
per year
Classic Checking Below Minimum Balance Fee$3
Plus Checking Below Minimum Balance Fee$5
Dormant Account Fee–Monthly$5
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address Fee$10

Overdraft & NSF

Courtesy Pay Fee$30
Non-sufficient Funds Returned Fee$30

ATM & Card

Replace Card$10
Replacement Card$10
Rush Fee$25

Wire Transfers

Wire Transfers: Domestic-Outgoing$15
International Wire$50
International Wire Cancel$25

Check Services

Cashier’s Check (one free per day)$5
Not compared: Daily charge, not per item
per day
Money Order (one free per day)$5
Not compared: Daily charge, not per item
per day
ACH Stop Payment$25
Stop Payment (per check)$25
per item
Cashier’s Check Copy$3
Check Image$5

Digital & Electronic

ACH Return$30

Cash & Deposit

Cash Advance Fee (Finance Charge)$5
Return Check Fee$25

Account Services

Non-Member Notary$5
Drill/Replace Lock (includes keys)$250
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$80
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$60
per year
Safe Deposit Box 5 x 5$30
per year
Levy or Garnishment$100

Lending Fees

Late Fee (after 10 days)$20
Late Fee (if not paid by 1 st of month)$25

Other Fees

Photocopy (per page)$0.10
per item
Statement Copy$3
Statement/Document Copy Fee$5
per item
Duplicate Lien Release$10
Loan Payment Due Date Change$25
Other Lending Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance Fee	$5	Not stated	None
Business Plus Checking Below Min. Balance Fee	$5Not compared: Annual charge, not monthly	per year	None
Classic Checking Below Minimum Balance Fee	$3	Not stated	None
Plus Checking Below Minimum Balance Fee	$5	Not stated	None
Dormant Account Fee–Monthly	$5	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address Fee	$10	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
Non-sufficient Funds Returned Fee	$30	Not stated	None
ATM & Card
Replace Card	$10	Not stated	None
Replacement Card	$10	Not stated	None
Rush Fee	$25	Not stated	None
Wire Transfers
Wire Transfers: Domestic-Outgoing	$15	Not stated	None
International Wire	$50	Not stated	None
International Wire Cancel	$25	Not stated	None
Check Services
Cashier’s Check (one free per day)	$5Not compared: Daily charge, not per item	per day	None
Money Order (one free per day)	$5Not compared: Daily charge, not per item	per day	None
ACH Stop Payment	$25	Not stated	None
Stop Payment (per check)	$25	per item	None
Cashier’s Check Copy	$3	Not stated	None
Check Image	$5	Not stated	None
Digital & Electronic
ACH Return	$30	Not stated	None
Cash & Deposit
Cash Advance Fee (Finance Charge)	$5	Not stated	None
Return Check Fee	$25	Not stated	None
Account Services
Non-Member Notary	$5	Not stated	None
Drill/Replace Lock (includes keys)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$80	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$60	per year	None
Safe Deposit Box 5 x 5	$30	per year	None
Levy or Garnishment	$100	Not stated	None
Lending Fees
Late Fee (after 10 days)	$20	Not stated	None
Late Fee (if not paid by 1 st of month)	$25	Not stated	None
Other Fees
Photocopy (per page)	$0.10	per item	None
Statement Copy	$3	Not stated	None
Statement/Document Copy Fee	$5	per item	None
Duplicate Lien Release	$10	Not stated	None
Loan Payment Due Date Change	$25	Not stated	None
Other Lending Fee	$30	Not stated	None

Correct a fee source

Oct 11, 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 Minnco Federal Credit Union's wire transfer 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)
Minnco Federal Credit Union: $30
Minnco Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Minnco Federal Credit Union: $30
Minnco Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Minnco Federal Credit Union: $15
Minnco Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 Minnco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Below Minimum Balance Fee$5
Classic Checking Below Minimum Balance Fee$3
Plus Checking Below Minimum Balance Fee$5
Dormant Account Fee–Monthly$5
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address Fee$10

Overdraft & NSF

Courtesy Pay Fee$30
Non-sufficient Funds Returned Fee$30

ATM & Card

Replace Card$10
Replacement Card$10
Rush Fee$25
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers: Domestic-Outgoing$15
International Wire$50
International Wire Cancel$25

Check Services

Cashier’s Check (one free per day)$5
Not compared: Daily charge, not per item
per day
Cashier’s Check (Second Withdrawal) (audience not stated, treated as personal)$25
Money Order (one free per day)$5
Not compared: Daily charge, not per item
per day
ACH Stop Payment$25
Stop Payment (per check)$25
per item
Cashier’s Check Copy$3
Check Image$5
Check Image (First 10 transactions per month) (audience not stated, treated as personal)No charge

Digital & Electronic

ACH Return$30

Cash & Deposit

Cash Advance Fee (Finance Charge)$5
Return Check Fee$25

Account Services

Non-Member Notary$5
Drill/Replace Lock (includes keys)$250
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$80
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$60
per year
Safe Deposit Box 5 x 5$30
per year
Levy or Garnishment$100

Lending Fees

Late Fee (after 10 days)$20
Late Fee (if not paid by 1 st of month)$25

Other Fees

Photocopy (per page)$0.10
per item
Statement Copy$3
Statement/Document Copy Fee$5
per item
Duplicate Lien Release$10
Loan Payment Due Date Change$25
Other Lending Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance Fee	$5	Not stated	None
Classic Checking Below Minimum Balance Fee	$3	Not stated	None
Plus Checking Below Minimum Balance Fee	$5	Not stated	None
Dormant Account Fee–Monthly	$5	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address Fee	$10	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
Non-sufficient Funds Returned Fee	$30	Not stated	None
ATM & Card
Replace Card	$10	Not stated	None
Replacement Card	$10	Not stated	None
Rush Fee	$25	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Domestic-Outgoing	$15	Not stated	None
International Wire	$50	Not stated	None
International Wire Cancel	$25	Not stated	None
Check Services
Cashier’s Check (one free per day)	$5Not compared: Daily charge, not per item	per day	None
Cashier’s Check (Second Withdrawal) (audience not stated, treated as personal)	$25	Not stated	None
Money Order (one free per day)	$5Not compared: Daily charge, not per item	per day	None
ACH Stop Payment	$25	Not stated	None
Stop Payment (per check)	$25	per item	None
Cashier’s Check Copy	$3	Not stated	None
Check Image	$5	Not stated	None
Check Image (First 10 transactions per month) (audience not stated, treated as personal)	No charge	Not stated	None
Digital & Electronic
ACH Return	$30	Not stated	None
Cash & Deposit
Cash Advance Fee (Finance Charge)	$5	Not stated	None
Return Check Fee	$25	Not stated	None
Account Services
Non-Member Notary	$5	Not stated	None
Drill/Replace Lock (includes keys)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$80	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$60	per year	None
Safe Deposit Box 5 x 5	$30	per year	None
Levy or Garnishment	$100	Not stated	None
Lending Fees
Late Fee (after 10 days)	$20	Not stated	None
Late Fee (if not paid by 1 st of month)	$25	Not stated	None
Other Fees
Photocopy (per page)	$0.10	per item	None
Statement Copy	$3	Not stated	None
Statement/Document Copy Fee	$5	per item	None
Duplicate Lien Release	$10	Not stated	None
Loan Payment Due Date Change	$25	Not stated	None
Other Lending Fee	$30	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

Account Maintenance

Below Minimum Balance Fee$5
Business Plus Checking Below Min. Balance Fee$5
Not compared: Annual charge, not monthly
per year
Classic Checking Below Minimum Balance Fee$3
Plus Checking Below Minimum Balance Fee$5
Dormant Account Fee–Monthly$5
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address Fee$10

Overdraft & NSF

Courtesy Pay Fee$30
Non-sufficient Funds Returned Fee$30

ATM & Card

Replace Card$10
Replacement Card$10
Rush Fee$25

Wire Transfers

Wire Transfers: Domestic-Outgoing$15
International Wire$50
International Wire Cancel$25

Check Services

Cashier’s Check (one free per day)$5
Not compared: Daily charge, not per item
per day
Money Order (one free per day)$5
Not compared: Daily charge, not per item
per day
ACH Stop Payment$25
Stop Payment (per check)$25
per item
Cashier’s Check Copy$3
Check Image$5

Digital & Electronic

ACH Return$30

Cash & Deposit

Cash Advance Fee (Finance Charge)$5
Return Check Fee$25

Account Services

Non-Member Notary$5
Drill/Replace Lock (includes keys)$250
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$80
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$60
per year
Safe Deposit Box 5 x 5$30
per year
Levy or Garnishment$100

Lending Fees

Late Fee (after 10 days)$20
Late Fee (if not paid by 1 st of month)$25

Other Fees

Photocopy (per page)$0.10
per item
Statement Copy$3
Statement/Document Copy Fee$5
per item
Duplicate Lien Release$10
Loan Payment Due Date Change$25
Other Lending Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance Fee	$5	Not stated	None
Business Plus Checking Below Min. Balance Fee	$5Not compared: Annual charge, not monthly	per year	None
Classic Checking Below Minimum Balance Fee	$3	Not stated	None
Plus Checking Below Minimum Balance Fee	$5	Not stated	None
Dormant Account Fee–Monthly	$5	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address Fee	$10	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
Non-sufficient Funds Returned Fee	$30	Not stated	None
ATM & Card
Replace Card	$10	Not stated	None
Replacement Card	$10	Not stated	None
Rush Fee	$25	Not stated	None
Wire Transfers
Wire Transfers: Domestic-Outgoing	$15	Not stated	None
International Wire	$50	Not stated	None
International Wire Cancel	$25	Not stated	None
Check Services
Cashier’s Check (one free per day)	$5Not compared: Daily charge, not per item	per day	None
Money Order (one free per day)	$5Not compared: Daily charge, not per item	per day	None
ACH Stop Payment	$25	Not stated	None
Stop Payment (per check)	$25	per item	None
Cashier’s Check Copy	$3	Not stated	None
Check Image	$5	Not stated	None
Digital & Electronic
ACH Return	$30	Not stated	None
Cash & Deposit
Cash Advance Fee (Finance Charge)	$5	Not stated	None
Return Check Fee	$25	Not stated	None
Account Services
Non-Member Notary	$5	Not stated	None
Drill/Replace Lock (includes keys)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$80	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$60	per year	None
Safe Deposit Box 5 x 5	$30	per year	None
Levy or Garnishment	$100	Not stated	None
Lending Fees
Late Fee (after 10 days)	$20	Not stated	None
Late Fee (if not paid by 1 st of month)	$25	Not stated	None
Other Fees
Photocopy (per page)	$0.10	per item	None
Statement Copy	$3	Not stated	None
Statement/Document Copy Fee	$5	per item	None
Duplicate Lien Release	$10	Not stated	None
Loan Payment Due Date Change	$25	Not stated	None
Other Lending Fee	$30	Not stated	None

Correct a fee source

Oct 11, 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.