Northern Communities Federal Credit Union

Headquarters: Duluth, Minnesota
Charter: Credit Union
Assets: $124.3M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Northern Communities Federal Credit Union: $30
Northern Communities Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Northern Communities Federal Credit Union: $30
Northern Communities Federal Credit Union: $30
U.S. median: no median
Stop Payment
Northern Communities Federal Credit Union: $30
Northern Communities Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Closing Membership w/in 30 days$5
Dormant Account Fee$15
Inactive Account Maintenance Fee$5
Record Research (per hour-1 hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$4

Overdraft & NSF

NSF/Courtesy Pay Per Item$30
per item

ATM & Card

Card Replacement$10
Card Rush Order$32

Wire Transfers

Wire Fee Outgoing$30
Wire Fee Incoming$20
Wire Fee Foreign$60

Check Services

NCCYou Corporate Check (under , not payable to member)$5
Money Orders$2
Stop Payment (personal checks)$30
Check Copy (per item) (>30 Days)$3
per item

Account Services

Notary FeeNo charge

Gift & Prepaid Cards

Gift Cards$4

Other Fees

Statement Copies (per month) (>30 Days)$3
Not compared: Monthly charge, not per item
per month
Skip-a-Pay$35

Fee	Amount	Basis	Note
Account Maintenance
Closing Membership w/in 30 days	$5	Not stated	None
Dormant Account Fee	$15	Not stated	None
Inactive Account Maintenance Fee	$5	Not stated	None
Record Research (per hour-1 hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$4	Not stated	None
Overdraft & NSF
NSF/Courtesy Pay Per Item	$30	per item	None
ATM & Card
Card Replacement	$10	Not stated	None
Card Rush Order	$32	Not stated	None
Wire Transfers
Wire Fee Outgoing	$30	Not stated	None
Wire Fee Incoming	$20	Not stated	None
Wire Fee Foreign	$60	Not stated	None
Check Services
NCCYou Corporate Check (under , not payable to member)	$5	Not stated	None
Money Orders	$2	Not stated	None
Stop Payment (personal checks)	$30	Not stated	None
Check Copy (per item) (>30 Days)	$3	per item	None
Account Services
Notary Fee	No charge	Not stated	None
Gift & Prepaid Cards
Gift Cards	$4	Not stated	None
Other Fees
Statement Copies (per month) (>30 Days)	$3Not compared: Monthly charge, not per item	per month	None
Skip-a-Pay	$35	Not stated	None

Correct a fee source

Nov 4, 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.

Fee change alerts

Get an email when Northern Communities Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.