First Pace Federal Credit Union

Headquarters: West St Paul, Minnesota
Charter: Credit Union
Assets: $8.7M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 17, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
Compared at $27.50, the middle of its prices
First Pace Federal Credit Union: $25 to $30
First Pace Federal Credit Union: $25 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $22.50, the middle of its prices
First Pace Federal Credit Union: $20 to $25
First Pace Federal Credit Union: $20 to $25
U.S. median: no median
Stop Payment
First Pace Federal Credit Union: $30
First Pace Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 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.

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Published fee schedule

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

Account Maintenance

Dormant Account$10
per month
Dormant Account(s)$20
per month
Inactive Checking Account (after 6 months)$5
per month
Account Reconciliation or Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Debit Card Chargeback or Fraud Claim$35
Returned Mail or Statement$5

Overdraft & NSF

Insufficient Funds (NSF) per item$30
per item
Insufficient funds-NSF (per item)$25
per item
Returned item (per presentment)$25
per item
Returned Item (per presentment)$30
per item
Overdraft Protection$1.50
Overdraft Protection$2

ATM & Card

Replacement Debit Card$20
Replacement Debit Card$25

Wire Transfers

Wire Transfer (Outgoing)$25
Wire Transfer: Outgoing$20
Wire Transfer (Incoming)$15
Wire Transfer: Incoming$10

Check Services

Stop Payment Credit Union Check (after 90 days)$30
Non-Member Check Cashing Fee$15

Digital & Electronic

Same day ACH (received by 2PM)$10
Bill PayNo charge

Cash & Deposit

DC Chargeback or Fraud Claimed Unsubstantiated$35

Account Services

Notary ServiceNo charge
Levy or Garnishment Processing$25
Subordination fee$150

Gift & Prepaid Cards

VISA Gift Card$3
VISA Gift Card$5

Other Fees

Copy of cleared or deposited check$4
Copy of Statement$5
Duplicate Lien Release$15
Home Equity Loan Processing$300
Home Equity Loan Processing Fee$250

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	per month	None
Dormant Account(s)	$20	per month	None
Inactive Checking Account (after 6 months)	$5	per month	None
Account Reconciliation or Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Debit Card Chargeback or Fraud Claim	$35	Not stated	None
Returned Mail or Statement	$5	Not stated	None
Overdraft & NSF
Insufficient Funds (NSF) per item	$30	per item	None
Insufficient funds-NSF (per item)	$25	per item	None
Returned item (per presentment)	$25	per item	None
Returned Item (per presentment)	$30	per item	None
Overdraft Protection	$1.50	Not stated	None
Overdraft Protection	$2	Not stated	None
ATM & Card
Replacement Debit Card	$20	Not stated	None
Replacement Debit Card	$25	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$25	Not stated	None
Wire Transfer: Outgoing	$20	Not stated	None
Wire Transfer (Incoming)	$15	Not stated	None
Wire Transfer: Incoming	$10	Not stated	None
Check Services
Stop Payment Credit Union Check (after 90 days)	$30	Not stated	None
Non-Member Check Cashing Fee	$15	Not stated	None
Digital & Electronic
Same day ACH (received by 2PM)	$10	Not stated	None
Bill Pay	No charge	Not stated	None
Cash & Deposit
DC Chargeback or Fraud Claimed Unsubstantiated	$35	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Levy or Garnishment Processing	$25	Not stated	None
Subordination fee	$150	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	Not stated	None
VISA Gift Card	$5	Not stated	None
Other Fees
Copy of cleared or deposited check	$4	Not stated	None
Copy of Statement	$5	Not stated	None
Duplicate Lien Release	$15	Not stated	None
Home Equity Loan Processing	$300	Not stated	None
Home Equity Loan Processing Fee	$250	Not stated	None

Correct a fee source

Oct 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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