North Iowa Community Federal Credit Union

Headquarters: Mason City, Iowa
Charter: Credit Union
Assets: $127.8M
Fed district: Chicago

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

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

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Fees against the market

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

Monthly Maintenance
Compared at $5, the middle of its prices
North Iowa Community Federal Credit Union: $5 to $8
North Iowa Community Federal Credit Union: $5 to $8
U.S. median: no median
Overdraft (OD)
North Iowa Community Federal Credit Union: $30
North Iowa Community Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
North Iowa Community Federal Credit Union: $25
North Iowa Community Federal Credit Union: $25
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 Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 North Iowa Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Debit (monthly fee)$8
per month
Monthly Service Charge$8
per month
Premium Checking (monthly fee)$5
per month
Premium Checking Monthly Service Charge$5
per month
Returned Mail (monthly fee)$5
per month
Early Account Closure Fee$10
Dormant Account Fee (monthly fee)$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay Fee$30
Overdraft Fee (NSF)$30

ATM & Card

Replacement of lost debit card$20

Wire Transfers

Wire Transfer Domestic (Outgoing)$25
Wire Transfer Domestic (Incoming)$15

Check Services

Cashier’s Checks (each)$5
per item
Money Order (each)$2
per item
Stop Payment$25
Counter Checks (3 to page)$5
Check Copy (each)$2
per item

Digital & Electronic

Bill PayNo charge

Cash & Deposit

Coin CountingNo charge
Deposit Items Returned$10

Account Services

Notary ServiceNo charge
Lost Key Charge - One Key$30
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$65
per year
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$65
Safe Deposit Box 3 x 10$35
per year
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$35
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$20
Safe Deposit Box 5 x 10$50
per year
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$50
Tax Levy/Garnishment Fee$25

Gift & Prepaid Cards

VISA Travel Card Reload$5

Other Fees

Statement Printout$3

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Debit (monthly fee)	$8	per month	None
Monthly Service Charge	$8	per month	None
Premium Checking (monthly fee)	$5	per month	None
Premium Checking Monthly Service Charge	$5	per month	None
Returned Mail (monthly fee)	$5	per month	None
Early Account Closure Fee	$10	Not stated	None
Dormant Account Fee (monthly fee)	$5	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
Overdraft Fee (NSF)	$30	Not stated	None
ATM & Card
Replacement of lost debit card	$20	Not stated	None
Wire Transfers
Wire Transfer Domestic (Outgoing)	$25	Not stated	None
Wire Transfer Domestic (Incoming)	$15	Not stated	None
Check Services
Cashier’s Checks (each)	$5	per item	None
Money Order (each)	$2	per item	None
Stop Payment	$25	Not stated	None
Counter Checks (3 to page)	$5	Not stated	None
Check Copy (each)	$2	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin Counting	No charge	Not stated	None
Deposit Items Returned	$10	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Lost Key Charge - One Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$65	per year	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$65	Not stated	None
Safe Deposit Box 3 x 10	$35	per year	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$20	Not stated	None
Safe Deposit Box 5 x 10	$50	per year	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$50	Not stated	None
Tax Levy/Garnishment Fee	$25	Not stated	None
Gift & Prepaid Cards
VISA Travel Card Reload	$5	Not stated	None
Other Fees
Statement Printout	$3	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

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.

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