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

Metropolitan Services Federal Credit Union

Saint Paul, 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

Abandoned Account Fee$25Above the typical range ($5–$10 nationally)

Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=dormant_account; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Abandoned Account Fee | $25.00" · Source

Account Research/Reconciliation$25

At the national median

Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=account_research; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Account Research/Reconciliation | $25.00/hour" · Source

Overdraft & NSFVerified

NSF Fee (non-sufficient funds)$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=nsf; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="NSF Fee (non-sufficient funds) | $30.00" · Source

ATM & CardVerified

ATM and Debit Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=card_replacement; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="ATM and Debit Card Replacement Fee | $10.00" · Source
ATM Withdrawals (4 free/month)$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=atm_non_network; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="ATM Withdrawals (4 free/month) | $1 per withdrawal after 4" · Source

Check ServicesVerified

Bill Payer Return/Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=stop_payment; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Bill Payer Return/Stop Payment Fee | $30.00" · Source
Check Cashing Fee (Savings Only)$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=check_cashing; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Check Cashing Fee (Savings Only) | $ 5.00" · Source
Non-Member Check Cashing Fee$10Within the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=check_cashing; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Non-Member Check Cashing Fee | $10.00" · Source
Photocopy of Cancelled Check$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=check_image; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Photocopy of Cancelled Check | $5.00" · Source
Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=stop_payment; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Stop Payment Fee | $25.00" · Source

Digital & ElectronicVerified

ACH Origination$5Within the typical range ($5–$20 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=ach_origination; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="ACH Origination | $ 5.00" · Source
ACH Origination Return$30Within the typical range ($15–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=ach_return; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="ACH Origination Return | $30.00" · Source

Cash & DepositVerified

Returned Deposit Item$35Above the typical range ($10–$25 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=deposited_item_return; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Returned Deposit Item | $35.00" · Source

Account ServicesVerified

Garnishment/Levy Fee$25Below the typical range ($30–$75 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=garnishment_levy; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Garnishment/Levy Fee | $25.00" · Source

Lending FeesVerified

Loan Payment Late Fee (over 15 days)$25Within the typical range ($15–$25 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=late_payment; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Loan Payment Late Fee (over 15 days) | $25.00" · Source

Mortgage ServicingVerified

Loan Modification Fee$35Within the typical range ($35–$250 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=mortgage_modification; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Loan Modification Fee | $35.00" · Source

Retirement & IRAVerified

IRA Account Closing Fee$25Within the typical range ($25–$35 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=ira_termination; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="IRA Account Closing Fee | $25.00" · Source

Other FeesVerified

Statement Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=document_reproduction; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Statement Copy Fee | $ 5.00 per statement" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Abandoned Account Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=dormant_account; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Abandoned Account Fee \| $25.00"	Source
Account Research/Reconciliation	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=account_research; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Account Research/Reconciliation \| $25.00/hour"	Source
Overdraft & NSFVerified
NSF Fee (non-sufficient funds)	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=nsf; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="NSF Fee (non-sufficient funds) \| $30.00"	Source
ATM & CardVerified
ATM and Debit Card Replacement Fee	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=card_replacement; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="ATM and Debit Card Replacement Fee \| $10.00"	Source
ATM Withdrawals (4 free/month)
Check ServicesVerified
Bill Payer Return/Stop Payment Fee	$30Within the typical range ($20–$30 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=stop_payment; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Bill Payer Return/Stop Payment Fee \| $30.00"	Source
Check Cashing Fee (Savings Only)	$5
Digital & ElectronicVerified
ACH Origination	$5Within the typical range ($5–$20 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=ach_origination; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="ACH Origination \| $ 5.00"	Source
ACH Origination Return	$30
Cash & DepositVerified
Returned Deposit Item	$35Above the typical range ($10–$25 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=deposited_item_return; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Returned Deposit Item \| $35.00"	Source
Account ServicesVerified
Garnishment/Levy Fee	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=garnishment_levy; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Garnishment/Levy Fee \| $25.00"	Source
Lending FeesVerified
Loan Payment Late Fee (over 15 days)	$25Within the typical range ($15–$25 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=late_payment; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Loan Payment Late Fee (over 15 days) \| $25.00"	Source
Mortgage ServicingVerified
Loan Modification Fee	$35Within the typical range ($35–$250 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=mortgage_modification; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Loan Modification Fee \| $35.00"	Source
Retirement & IRAVerified
IRA Account Closing Fee	$25Within the typical range ($25–$35 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=ira_termination; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="IRA Account Closing Fee \| $25.00"	Source
Other FeesVerified
Statement Copy Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #8716. canonical_hint=document_reproduction; text_hash=e511c78abc4bc098a70b556eb862e385eee82960acbd3773e68e0aa8f35beae5; excerpt="Statement Copy Fee \| $ 5.00 per statement"	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: $30

NSF fee is aligned with the national median

Total fees: 18 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$12.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$12.3M

Total deposits

$11.5M

Service charge income (year to date)

$22K

Fee income ratio

7.1%

Return on assets

-0.36%

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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