First Class Community Federal Credit Union

Headquarters: West Des Moines, Iowa
Charter: Credit Union
Assets: $95.8M
Fed district: Chicago

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Overdraft (OD)
First Class Community Federal Credit Union: $32
First Class Community Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
First Class Community Federal Credit Union: $32
First Class Community Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
First Class Community Federal Credit Union: $2
First Class Community Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 First Class Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early account close less than six months$25
Per Hour Research/Reconciliation Fee$35
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail (following 2 returned statements)$5

Overdraft & NSF

Courtesy Pay per item$32
per item
Returned drafts (NSF) fee per draft$32
per item
Savings overdraft transfer to Sharedraft account$3

ATM & Card

Withdrawals at non First Class ATM’s after 7 FREE per month$2
per item
Replacement fee for lost, stolen or replacement card(s)$5
Rush order Debit Card fee$50

Wire Transfers

Incoming Wire Transfer$10
Foreign wire$45

Check Services

Teller check$3
Money orders$3
Bill Pay Stop Payment$32
Stop payment fee$30
Sharedraft copy fee per draft$3
per item

Digital & Electronic

ACH Loan Payment Return Fee$32

Cash & Deposit

Coin Counting (audience not stated, treated as personal)10%

Account Services

Notary Service (Free if member account has Share, Sharedraft, & Direct Deposit)$5
Notary Services (non-member)$10
One Lost Key$45
Not compared: Box drilling or key fee
Per Year for 10"x10" box$85
per year
Per Year for 3"x10" box$40
per year
Per Year for 3"x5" box$25
per year
Per Year for 5"x10" box$55
per year
Garnishment and levy administration fee$50
Third party account verification$10

Gift & Prepaid Cards

Visa Gift Card (members only)$3
Visa Gift Card Reload Fee$2
Visa Reloadable Gift Card (members only)$5

Other Fees

Per statement copy (Reprint)$5
Statement print out of transactions (Mid-Cycle Statement)$5
One Time Loan Payment/Deposit by Phone (Debit/Credit Card or ACH)$5
one time

Fee	Amount	Basis	Note
Account Maintenance
Early account close less than six months	$25	Not stated	None
Per Hour Research/Reconciliation Fee	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail (following 2 returned statements)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay per item	$32	per item	None
Returned drafts (NSF) fee per draft	$32	per item	None
Savings overdraft transfer to Sharedraft account	$3	Not stated	None
ATM & Card
Withdrawals at non First Class ATM’s after 7 FREE per month	$2	per item	None
Replacement fee for lost, stolen or replacement card(s)	$5	Not stated	None
Rush order Debit Card fee	$50	Not stated	None
Wire Transfers
Incoming Wire Transfer	$10	Not stated	None
Foreign wire	$45	Not stated	None
Check Services
Teller check	$3	Not stated	None
Money orders	$3	Not stated	None
Bill Pay Stop Payment	$32	Not stated	None
Stop payment fee	$30	Not stated	None
Sharedraft copy fee per draft	$3	per item	None
Digital & Electronic
ACH Loan Payment Return Fee	$32	Not stated	None
Cash & Deposit
Coin Counting (audience not stated, treated as personal)	10%	Not stated	None
Account Services
Notary Service (Free if member account has Share, Sharedraft, & Direct Deposit)	$5	Not stated	None
Notary Services (non-member)	$10	Not stated	None
One Lost Key	$45Not compared: Box drilling or key fee	Not stated	None
Per Year for 10"x10" box	$85	per year	None
Per Year for 3"x10" box	$40	per year	None
Per Year for 3"x5" box	$25	per year	None
Per Year for 5"x10" box	$55	per year	None
Garnishment and levy administration fee	$50	Not stated	None
Third party account verification	$10	Not stated	None
Gift & Prepaid Cards
Visa Gift Card (members only)	$3	Not stated	None
Visa Gift Card Reload Fee	$2	Not stated	None
Visa Reloadable Gift Card (members only)	$5	Not stated	None
Other Fees
Per statement copy (Reprint)	$5	Not stated	None
Statement print out of transactions (Mid-Cycle Statement)	$5	Not stated	None
One Time Loan Payment/Deposit by Phone (Debit/Credit Card or ACH)	$5	one time	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

Oct 5, 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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