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

Federated Employees Federal Credit Union

Owatonna, MinnesotaCredit UnionMinneapolis Fed districtFees collected Feb 17, 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

Account Research$10Below the typical range ($17.50–$25 nationally)

Returned E-Statement$1

$1 above the national median

Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=estatement_fee; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="| Returned E-Statement | $1.00/ after two" · Source

Overdraft & NSFVerified

Returned ACH$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=nsf; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Account Research | $10.00/ hour | Duplicate Lien Release | $5.00 | Late Fee on Loans | $20.00 | Returned ACH | $25.00/ Presentment | Stop Payment Check | $15.00" · Source
Returned Check$25Within the typical range ($25–$31 nationally)
$5 below the national median
per month · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=nsf; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="ATM Transactions Exceeds 15 per month | $1.00 | Duplicate Mortgage Satisfaction | $5.00 | Merchant Return | $20.00 | Returned Check | $25.00/ Presentment | Travel Card Purchase | $" · Source

ATM & CardVerified

/ plastic gift card | Shipping/Rush Mailing for 2-day mail for next-day mail for next-day Saturday mail$15Below the typical range ($30–$50 nationally)
$25 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=rush_card; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Draft Copy/Check Image | $1.00 | Gift Card Purchase | $3.00/ plastic gift card | Shipping/Rush Mailing for 2-day mail for next-day mail for next-day Saturday mail | $15 $20 $40 | S" · Source
/ virtual gift card | Replacement Rush Mailing$25Below the typical range ($30–$50 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=rush_card; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="** Dormant Account | $50.00 | Purchase e-Gift Card | $4.00/ virtual gift card | Replacement Rush Mailing | $25.00 | Statement Copy | $1.00/ copy | Wire Out Domestic | $13.00" · Source
ATM Transactions Exceeds 15 per month$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=atm_non_network; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="ATM Transactions Exceeds 15 per month | $1.00 | Duplicate Mortgage Satisfaction | $5.00 | Merchant Return | $20.00 | Returned Check | $25.00/ Presentment | Travel Card Purchase | $" · Source
Replacement Card$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=card_replacement; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="| Replacement Card | $5.00" · Source

Wire TransfersVerified

/ copy | Wire Out Domestic$13Below the typical range ($20–$25 nationally)
$9 below the national median
Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=wire_domestic_outgoing; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="** Dormant Account | $50.00 | Purchase e-Gift Card | $4.00/ virtual gift card | Replacement Rush Mailing | $25.00 | Statement Copy | $1.00/ copy | Wire Out Domestic | $13.00" · Source
Wire Out International$43Within the typical range ($40–$50 nationally)
$7 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=wire_intl_outgoing; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Draft Copy/Check Image | $1.00 | Gift Card Purchase | $3.00/ plastic gift card | Shipping/Rush Mailing for 2-day mail for next-day mail for next-day Saturday mail | $15 $20 $40 | S" · Source

Check ServicesVerified

/ Presentment | Stop Payment Check$15Below the typical range ($20–$30 nationally)
$12 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=stop_payment; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Account Research | $10.00/ hour | Duplicate Lien Release | $5.00 | Late Fee on Loans | $20.00 | Returned ACH | $25.00/ Presentment | Stop Payment Check | $15.00" · Source
CU Check/Cashier's Check made payable to others$1Below the typical range ($3–$6 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=cashiers_check; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="CU Check/Cashier's Check made payable to others | $1.00 | ***Exceed Max Withdrawal on Money Market Account | $15.00 | Non-sufficient Funds Item-Returned or Paid | $25.00 | Returned" · Source
Draft Copy/Check Image$1Below the typical range ($2–$5 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=check_image; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Draft Copy/Check Image | $1.00 | Gift Card Purchase | $3.00/ plastic gift card | Shipping/Rush Mailing for 2-day mail for next-day mail for next-day Saturday mail | $15 $20 $40 | S" · Source

Lending FeesVerified

Late Fee on Loans$20Within the typical range ($15–$25 nationally)
$2.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=late_payment; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Account Research | $10.00/ hour | Duplicate Lien Release | $5.00 | Late Fee on Loans | $20.00 | Returned ACH | $25.00/ Presentment | Stop Payment Check | $15.00" · Source

Mortgage ServicingVerified

/ hour | Duplicate Lien Release$5Within the typical range ($5–$15 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=mortgage_lien_release; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Account Research | $10.00/ hour | Duplicate Lien Release | $5.00 | Late Fee on Loans | $20.00 | Returned ACH | $25.00/ Presentment | Stop Payment Check | $15.00" · Source

Gift & Prepaid CardsVerified

/ after two consecutive returned statements | Travel Card Reload$3Below the typical range ($3.13–$6.75 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=prepaid_card_reload; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="CU Check/Cashier's Check made payable to others | $1.00 | ***Exceed Max Withdrawal on Money Market Account | $15.00 | Non-sufficient Funds Item-Returned or Paid | $25.00 | Returned" · Source
Gift Card Purchase$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=gift_card_purchase; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Draft Copy/Check Image | $1.00 | Gift Card Purchase | $3.00/ plastic gift card | Shipping/Rush Mailing for 2-day mail for next-day mail for next-day Saturday mail | $15 $20 $40 | S" · Source
Purchase e-Gift Card$4Within the typical range ($3–$4.95 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=gift_card_purchase; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="** Dormant Account | $50.00 | Purchase e-Gift Card | $4.00/ virtual gift card | Replacement Rush Mailing | $25.00 | Statement Copy | $1.00/ copy | Wire Out Domestic | $13.00" · Source

Other FeesVerified

Statement Copy$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=document_reproduction; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="** Dormant Account | $50.00 | Purchase e-Gift Card | $4.00/ virtual gift card | Replacement Rush Mailing | $25.00 | Statement Copy | $1.00/ copy | Wire Out Domestic | $13.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	per item	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=account_research; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Account Research \| $10.00/ hour \| Duplicate Lien Release \| $5.00 \| Late Fee on Loans \| $20.00 \| Returned ACH \| $25.00/ Presentment \| Stop Payment Check \| $15.00"	Source
Returned E-Statement	$1Within the typical range ($0–$3 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=estatement_fee; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="\| Returned E-Statement \| $1.00/ after two"	Source
Overdraft & NSFVerified
Returned ACH	$25Within the typical range ($25–$31 nationally)	$5 below the national median	per item	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=nsf; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Account Research \| $10.00/ hour \| Duplicate Lien Release \| $5.00 \| Late Fee on Loans \| $20.00 \| Returned ACH \| $25.00/ Presentment \| Stop Payment Check \| $15.00"	Source

ATM & CardVerified
/ plastic gift card \| Shipping/Rush Mailing for 2-day mail for next-day mail for next-day Saturday mail	$15Below the typical range ($30–$50 nationally)	$25 below the national median	per item	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=rush_card; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Draft Copy/Check Image \| $1.00 \| Gift Card Purchase \| $3.00/ plastic gift card \| Shipping/Rush Mailing for 2-day mail for next-day mail for next-day Saturday mail \| $15 $20 $40 \| S"	Source
Wire TransfersVerified
/ copy \| Wire Out Domestic	$13Below the typical range ($20–$25 nationally)	$9 below the national median	—	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=wire_domestic_outgoing; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="** Dormant Account \| $50.00 \| Purchase e-Gift Card \| $4.00/ virtual gift card \| Replacement Rush Mailing \| $25.00 \| Statement Copy \| $1.00/ copy \| Wire Out Domestic \| $13.00"	Source
Check ServicesVerified
/ Presentment \| Stop Payment Check	$15Below the typical range ($20–$30 nationally)	$12 below the national median	per item	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=stop_payment; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Account Research \| $10.00/ hour \| Duplicate Lien Release \| $5.00 \| Late Fee on Loans \| $20.00 \| Returned ACH \| $25.00/ Presentment \| Stop Payment Check \| $15.00"	Source
Lending FeesVerified
Late Fee on Loans	$20Within the typical range ($15–$25 nationally)	$2.50 below the national median	per item	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=late_payment; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Account Research \| $10.00/ hour \| Duplicate Lien Release \| $5.00 \| Late Fee on Loans \| $20.00 \| Returned ACH \| $25.00/ Presentment \| Stop Payment Check \| $15.00"	Source
Mortgage ServicingVerified
/ hour \| Duplicate Lien Release	$5Within the typical range ($5–$15 nationally)	$5 below the national median	per item	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=mortgage_lien_release; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="Account Research \| $10.00/ hour \| Duplicate Lien Release \| $5.00 \| Late Fee on Loans \| $20.00 \| Returned ACH \| $25.00/ Presentment \| Stop Payment Check \| $15.00"	Source
Gift & Prepaid CardsVerified
/ after two consecutive returned statements \| Travel Card Reload	$3Below the typical range ($3.13–$6.75 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=prepaid_card_reload; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="CU Check/Cashier's Check made payable to others \| $1.00 \| ***Exceed Max Withdrawal on Money Market Account \| $15.00 \| Non-sufficient Funds Item-Returned or Paid \| $25.00 \| Returned"	Source
Other FeesVerified
Statement Copy	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #8727. canonical_hint=document_reproduction; text_hash=6267c280cb544a99cc54ee68d5cf40c1dbdd569a0dcad60d04d3d4f9bd878129; excerpt="** Dormant Account \| $50.00 \| Purchase e-Gift Card \| $4.00/ virtual gift card \| Replacement Rush Mailing \| $25.00 \| Statement Copy \| $1.00/ copy \| Wire Out Domestic \| $13.00"	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.

NSF fee: $25

17% below the national median NSF fee

Total fees: 19 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$66.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$66.7M

Total deposits

$57.9M

Service charge income (year to date)

$13K

Fee income ratio

0.80%

Return on assets

0.78%

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 27,539 verified fees from 2,277 institutions

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