United Savings Federal Credit Union

Headquarters: Fargo, North Dakota
Charter: Credit Union
Assets: $125.2M
Fed district: Minneapolis

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

Source: its fee schedule, read Apr 20, 2026.

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Fees against the market

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

Monthly Maintenance
United Savings Federal Credit Union: $3.95
United Savings Federal Credit Union: $3.95
U.S. median: no median
Overdraft (OD)
United Savings Federal Credit Union: $28
United Savings Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Compared at $16.50, the middle of its prices
United Savings Federal Credit Union: $5 to $28
United Savings Federal Credit Union: $5 to $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, 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).
North Dakota: Banks and credit unions headquartered in North Dakota 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 United Savings Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee per account$3.95
per month
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5

Overdraft & NSF

Overdraft Courtesy Pay$28
per item
Non-Sufficient Funds (NSF)$28
Returned Item -2nd time$5
per item
Overdraft Transfer Fee$5
Overdraft Transfer FeeNo charge

ATM & Card

ATM/Debit Replacement Card$15
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers: Outgoing$20
Wire Transfers: Incoming$20

Check Services

Corporate Checks$20
per item
Money Orders: Members$2
per item
Stop Payments$20
per item
Check Copy Priority$5
per item
Copy of Check$3
per item

Digital & Electronic

Bill Pay Inactivity Fee$5
per month

Account Services

5x10 size$50
per year
Safe Deposit Boxes$100
Safe Deposit Boxes 3x10 size$40
per year
Garnishment, Levy Processing$50
per item

Lending Fees

Late Fee (15+ days delinquent)$25

Other Fees

Fax Fee$2
Loan Processing$75
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee per account	$3.95	per month	None
Account Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Courtesy Pay	$28	per item	None
Non-Sufficient Funds (NSF)	$28	Not stated	None
Returned Item -2nd time	$5	per item	None
Overdraft Transfer Fee	$5	Not stated	None
Overdraft Transfer Fee	No charge	Not stated	None
ATM & Card
ATM/Debit Replacement Card	$15	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$20	Not stated	None
Wire Transfers: Incoming	$20	Not stated	None
Check Services
Corporate Checks	$20	per item	None
Money Orders: Members	$2	per item	None
Stop Payments	$20	per item	None
Check Copy Priority	$5	per item	None
Copy of Check	$3	per item	None
Digital & Electronic
Bill Pay Inactivity Fee	$5	per month	None
Account Services
5x10 size	$50	per year	None
Safe Deposit Boxes	$100	Not stated	None
Safe Deposit Boxes 3x10 size	$40	per year	None
Garnishment, Levy Processing	$50	per item	None
Lending Fees
Late Fee (15+ days delinquent)	$25	Not stated	None
Other Fees
Fax Fee	$2	Not stated	None
Loan Processing	$75	per item	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

Apr 20, 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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