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, under $300M

First Class Community Federal Credit Union

West Des Moines, IowaCredit UnionChicago 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

Per Hour Research/Reconciliation Fee$35Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay per item$32Above the typical range ($25–$31 nationally)
$2 above the national median
per item · Source
Returned drafts (NSF) fee per draft$32Above the typical range ($25–$31 nationally)
$2 above the national median
Source
Savings overdraft transfer to Sharedraft account$3Within the typical range ($3–$5 nationally)
$2 below the national median
Source

ATM & CardVerified

counted as one of your ATM withdrawal transactions. There is a$5Above the typical range ($1–$2.50 nationally)
$3.37 above the national median
Source
Replacement fee for lost, stolen or replacement card(s)$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source
Rush order Debit Card fee$50Within the typical range ($30–$50 nationally)
$10 above the national median
Source
Withdrawals at non First Class ATM’s after 7 FREE per month$2Within the typical range ($1–$2.50 nationally)
$0.37 above the national median
per month · Source

Check ServicesVerified

Bill Pay Stop Payment$32Above the typical range ($20–$30 nationally)
$7 above the national median
Source
Money orders$3Within the typical range ($1.50–$3 nationally)
$1 above the national median
Source
Sharedraft copy fee per draft$3Within the typical range ($2–$5 nationally)
At the national median
Source
Stop payment fee$30Within the typical range ($20–$30 nationally)
$5 above the national median
Source
Teller check$3Within the typical range ($3–$5 nationally)
$2 below the national median
Source

Account ServicesVerified

Garnishment and levy administration fee$50Within the typical range ($30–$75 nationally)
At the national median
Source
Notary Service (Free if member account has Share, Sharedraft, & Direct Deposit)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source
Notary Services (non-member)$10Above the typical range ($0–$5 nationally)
$7.50 above the national median
Source
One Lost Key$45Within the typical range ($25–$80 nationally)
At the national median
Source
Third party account verification$10Within the typical range ($10–$15 nationally)
At the national median
Source

Gift & Prepaid CardsVerified

Visa Gift Card (members only)$3Within the typical range ($3–$4.40 nationally)
$0.50 below the national median
Source
Visa Gift Card Reload Fee$2Below the typical range ($3–$4.40 nationally)
$1.50 below the national median
Source
Visa Reloadable Gift Card (members only)$5Above the typical range ($3–$4.40 nationally)
$1.50 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Per Hour Research/Reconciliation Fee	$35Above the typical range ($20–$25 nationally)	$10 above the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay per item	$32Above the typical range ($25–$31 nationally)	$2 above the national median	per item	—	Source
Returned drafts (NSF) fee per draft	$32
ATM & CardVerified
counted as one of your ATM withdrawal transactions. There is a	$5Above the typical range ($1–$2.50 nationally)	$3.37 above the national median	—	—	Source
Replacement fee for lost, stolen or replacement card(s)	$5
Wire TransfersVerified
Incoming Wire Transfer	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Check ServicesVerified
Bill Pay Stop Payment	$32Above the typical range ($20–$30 nationally)	$7 above the national median	—	—	Source
Money orders	$3
Digital & ElectronicVerified
ACH Loan Payment Return Fee	$32Above the typical range ($20–$30 nationally)	$4.75 above the national median	—	—	Source
Account ServicesVerified
Garnishment and levy administration fee	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Notary Service (Free if member account has Share, Sharedraft, & Direct Deposit)	$5
Gift & Prepaid CardsVerified
Visa Gift Card (members only)	$3Within the typical range ($3–$4.40 nationally)	$0.50 below the national median	—	—	Source
Visa Gift Card Reload Fee	$2
Other FeesVerified
Per statement copy (Reprint)	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source

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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

$32

Overdraft fee: $32

7% above the national median overdraft fee

Total fees: 24 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$95.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$95.8M

Total deposits

$85.7M

Service charge income (year to date)

$257K

Fee income ratio

9.4%

Return on assets

1.22%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 32,718 verified fees from 2,439 institutions

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