Novation Federal Credit Union

Headquarters: Oakdale, Minnesota
Charter: Credit Union
Assets: $244.0M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Overdraft (OD)
Novation Federal Credit Union: $30
Novation Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Novation Federal Credit Union: $30
Novation Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Novation Federal Credit Union: $25
Novation Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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.

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Published fee schedule

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

Account Maintenance

Dormant Membership$5
per month
Escheatment$5
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (audience not stated, treated as personal)$2

Overdraft & NSF

Overdraft (Privilege Pay)$30
per item
Return Item—NSF$30
Savings Transfer (to cover overdraft)$5

ATM & Card

Replacement Card$10

Wire Transfers

Wire Transfer (Domestic) (audience not stated, treated as personal)$25
Wire Transfer (International)$70

Check Services

Cashier’s Check: Payable to Other$5
Stop Payment$30
Check Cashing (Non-Member) restrictions$10
Foreign Check Deposit$15
Check Copy (in person)$5

Cash & Deposit

Returned Check Deposit$30

Account Services

Notary ServiceNo charge
Emergency Drilling (audience not stated, treated as personal)$225
Not compared: Box drilling or key fee
Lost Key$30
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$110
per year
Safe Deposit Box 10x10$100
per year
Safe Deposit Box 3x10$50
per year
Safe Deposit Box 3x10$45
per year
Safe Deposit Box 5x10$70
per year
Safe Deposit Box 5x10$65
per year
Safe Deposit Box 5x5$40
per year
Standard Drilling (audience not stated, treated as personal)$150
Not compared: Box drilling or key fee
Levy/Garnishment$100
Subordination Agreement$200

Gift & Prepaid Cards

Visa Gift Card$3
per item

Other Fees

Duplicate Lien Release$10
Duplicate Mortgage Satisfaction$20

Fee	Amount	Basis	Note
Account Maintenance
Dormant Membership	$5	per month	None
Escheatment	$5	Not stated	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (audience not stated, treated as personal)	$2	Not stated	None
Overdraft & NSF
Overdraft (Privilege Pay)	$30	per item	None
Return Item—NSF	$30	Not stated	None
Savings Transfer (to cover overdraft)	$5	Not stated	None
ATM & Card
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfer (Domestic) (audience not stated, treated as personal)	$25	Not stated	None
Wire Transfer (International)	$70	Not stated	None
Check Services
Cashier’s Check: Payable to Other	$5	Not stated	None
Stop Payment	$30	Not stated	None
Check Cashing (Non-Member) restrictions	$10	Not stated	None
Foreign Check Deposit	$15	Not stated	None
Check Copy (in person)	$5	Not stated	None
Cash & Deposit
Returned Check Deposit	$30	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Emergency Drilling (audience not stated, treated as personal)	$225Not compared: Box drilling or key fee	Not stated	None
Lost Key	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$110	per year	None
Safe Deposit Box 10x10	$100	per year	None
Safe Deposit Box 3x10	$50	per year	None
Safe Deposit Box 3x10	$45	per year	None
Safe Deposit Box 5x10	$70	per year	None
Safe Deposit Box 5x10	$65	per year	None
Safe Deposit Box 5x5	$40	per year	None
Standard Drilling (audience not stated, treated as personal)	$150Not compared: Box drilling or key fee	Not stated	None
Levy/Garnishment	$100	Not stated	None
Subordination Agreement	$200	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	per item	None
Other Fees
Duplicate Lien Release	$10	Not stated	None
Duplicate Mortgage Satisfaction	$20	Not stated	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 11, 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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