Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

United Savings Federal Credit Union

Fargo, North DakotaCredit UnionMinneapolis Fed districtFees collected Apr 21, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

each Statement Copy............................................................$2Within the typical range ($2–$5 nationally)

Overdraft & NSFVerified

Collection Items (NSF, deposited item) Returned Item -1st time ...........................................$10Within the typical range ($10–$30 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=nsf; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$10 Collection Items (NSF, deposited item) Returned Item -1st time ..........................................." · Source
each Returned Item -2nd time ..........................................$5Below the typical range ($10–$30 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=nsf; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$5 each Returned Item -2nd time .........................................." · Source
Overdraft Transfer Fee ..............................................$28Within the typical range ($9.95–$35 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=overdraft; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$28 Overdraft Transfer Fee .............................................." · Source
per time Overdraft Courtesy Pay ..............................................$5Below the typical range ($9.95–$35 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=overdraft; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$5 per time Overdraft Courtesy Pay .............................................." · Source
varies by state Overdraft Line of Credit Loan$10Within the typical range ($9.95–$35 nationally)
$15 below the national median
per year · Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=overdraft; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="varies by state Overdraft Line of Credit Loan .................................$10 annually An NSF Fee is assessed each time an item is presented against insufficient funds" · Source

Check ServicesVerified

(reimbursed if all 5 qualifications are met in a month) Stop Payment Member Share Drafts ...............................$1.95Below the typical range ($15–$30 nationally)
$23.05 below the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=stop_payment; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$1.95 (reimbursed if all 5 qualifications are met in a month) Stop Payment Member Share Drafts ................................................." · Source
each Check Cashing Non-Member ..................................................................$5Within the typical range ($5–$100 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=check_cashing; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$5 each Check Cashing Non-Member .................................................................." · Source
each Check Copy Priority ......................................................$2Below the typical range ($2.75–$6.25 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=check_image; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$2 each Check Copy Priority ......................................................" · Source
per month applies after 3 consecutive months of inactivity Copy of Check ...............................................$5Within the typical range ($2.75–$6.25 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=check_image; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$5 per month applies after 3 consecutive months of inactivity Copy of Check .............................................................." · Source

Account ServicesVerified

Garnishment, Levy Processing ....... per levy or garnishment Money Orders Members.......................................$2Below the typical range ($22.50–$100 nationally)
$48 below the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=garnishment_levy; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$2 Garnishment, Levy Processing .......$50 per levy or garnishment Money Orders Members................................................................." · Source
Safe Deposit Boxes 3x10 size .......................................................... annually 5x10 size .............$5Below the typical range ($15–$75 nationally)
$25 below the national median
per year · Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=safe_deposit_box; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$5 Safe Deposit Boxes 3x10 size ..........................................................$40 annually 5x10 size ..........................................................$50 annua" · Source

Lending FeesVerified

each Loan Fees Loan Processing....................................................$20Within the typical range ($20–$100 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=loan_origination; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$20 each Loan Fees Loan Processing...................................................." · Source
per loan ………………………….….. for loans & greater Late Fee (15+ days delinquent) ...........................................$75Above the typical range ($15–$28.50 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=late_payment; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$75 per loan ………………………….…..$100 for loans $10,000 & greater Late Fee (15+ days delinquent) ..........................................." · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
each Statement Copy............................................................	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=paper_statement; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$2 each Statement Copy............................................................"	Source
Overdraft & NSFVerified
Collection Items (NSF, deposited item) Returned Item -1st time ...........................................	$10Within the typical range ($10–$30 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=nsf; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$10 Collection Items (NSF, deposited item) Returned Item -1st time ..........................................."	Source
ATM & CardVerified
International Transaction Fee ...........	$20Within the typical range ($4–$32.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=card_foreign_txn; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$20 International Transaction Fee ..........."	Source
Check ServicesVerified
(reimbursed if all 5 qualifications are met in a month) Stop Payment Member Share Drafts ...............................	$1.95Below the typical range ($15–$30 nationally)	$23.05 below the national median	—	Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=stop_payment; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$1.95 (reimbursed if all 5 qualifications are met in a month) Stop Payment Member Share Drafts ................................................."	Source
Digital & ElectronicVerified
Bill Pay Inactivity Fee ........................................	$15Above the typical range ($0–$12.45 nationally)	$9.52 above the national median	—	Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=bill_pay; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$15 Bill Pay Inactivity Fee ........................................"	Source
Account ServicesVerified
Garnishment, Levy Processing ....... per levy or garnishment Money Orders Members.......................................	$2Below the typical range ($22.50–$100 nationally)	$48 below the national median	—	Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=garnishment_levy; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$2 Garnishment, Levy Processing .......$50 per levy or garnishment Money Orders Members................................................................."	Source
Lending FeesVerified
each Loan Fees Loan Processing....................................................	$20Within the typical range ($20–$100 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2124. canonical_hint=loan_origination; text_hash=ca3f5bb621ebea61c052f804390597ed32c1195ea2b0607b5ee0740bc702bff3; excerpt="$20 each Loan Fees Loan Processing...................................................."	Source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$125.2M

Total deposits

$108.6M

Service charge income (year to date)

$330K

Fee income ratio

8.9%

Return on assets

0.40%

United Savings Federal Credit Union

Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings