22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 10, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Non-Network ATM
Compared at $1, the middle of its prices
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from Des Moines Metro Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per hour
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early account closing (before 6 months) | $15 | Not stated | None |
| Dormant Account fee | $5 | per month | None |
| Inactivity closing fee | $25 | Not stated | None |
| Account balancing and research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research fee (electronic) | $20 | Not stated | None |
| Account research fee (other) | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (for members who join after 1-1-16) | $2 | Not stated | None |
| Incorrect address | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft (NSF) for paid ACH or draft | $30 | per item | None |
| Overdraft transfer fee from MasterCard | $5 | Not stated | None |
| Overdraft transfer fee from savings | $5 | Not stated | None |
ATM & Card | |||
| ATM balance inquiry fee | $1 | per item | None |
| ATM W/D fee (outside Iowa) | $1 | per item | None |
| ATM W/D fee (over 10 per month) | $2 | per item | None |
Wire Transfers | |||
| Outgoing wire transfer (inside U.S.) | $15 | Not stated | None |
| Incoming wire transfer | $8 | Not stated | None |
Check Services | |||
| Certified corporate check | $5 | per item | None |
| Corporate check to a third party | $2 | per item | None |
| Money orders | $1.50 | per item | None |
| Stop payment fee | $30 | per item | None |
| Temporary checks | $2 | per item | None |
| Check cashing for members | $3 | Not stated | None |
| Check cashing for non members | $5 | Not stated | None |
| Foreign check collection | $15 | Not stated | None |
| Check copy | $3 | per item | None |
Digital & Electronic | |||
| Bill Payer | No charge | Not stated | None |
Cash & Deposit | |||
| Cash advance fee | No charge | Not stated | None |
| Deposited Item Return | $10 | per item | None |
| Return deposit item – written on your account at another financial institution | $25 | per item | None |
Account Services | |||
| Non-member notary fee | $5Not compared: Charged per document; comparison unavailable | per document | None |
| Fee for 1 lost key | $15Not compared: Box drilling or key fee | Not stated | None |
| Administrative levy | $10 | Not stated | None |
| Legal process fee | $25 | Not stated | None |
Other Fees | |||
| Account/statement copy printout | $5Not compared: Monthly charge, not per item | per month | None |
| Photocopies or reprints of transactions | $1Not compared: Charged per page; comparison unavailable | per page | None |
Oct 10, 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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