Valley Communities Federal Credit Union

Headquarters: Mosinee, Wisconsin
Charter: Credit Union
Assets: $306.9M
Fed district: Chicago

18 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.

Monthly Maintenance
Compared at $4, the middle of its prices
Valley Communities Federal Credit Union: $3 to $5
Valley Communities Federal Credit Union: $3 to $5
U.S. median: no median
Non-Network ATM
Valley Communities Federal Credit Union: $1
Valley Communities Federal Credit Union: $1
U.S. median: no median
Stop Payment
Compared at $37.50, the middle of its prices
Valley Communities Federal Credit Union: $25 to $50
Valley Communities Federal Credit Union: $25 to $50
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 Wisconsin, the Chicago 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Valley Communities Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Classic Checking monthly service charge$3
per month
Monthly Service$5
per month
Closing Membership Within the First 90 Days$25
Dormant fee per month$10
per month
Reconciliation/Research$25
Return mail or e-statement per item$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Transfer funds to cover overdraft$5

ATM & Card

ATM withdrawals or inquiries in$1
Effective August 1st, 2025 | Reissue Card$10
Reissue Card$10
Not compared: Monthly charge, not per item
per month

Wire Transfers

Incoming wire transfer$15
Wire Transfer with Complete Instructions - No International Wires$25

Check Services

VCCU Official Check$3
Money Order$3
Not compared: Monthly charge, not per item
per month
Stop payment$25
Stop payment on a block of checks$50
Non-member “on us” check cashing$5
Canadian check processing - Per Item$10
per item
Draft copy$3

Digital & Electronic

ACH returned for non-sufficient funds$25
Draft and ACH returned$25
Draft and ACH Returned for Non-sufficient Funds Per Item$25
per item

Account Services

One lost key$20
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10 x 22$85
Safe Deposit Box 10 x 10 x 22 (audience not stated, treated as personal)$85
Safe Deposit Box 3 x 10 x 22$35
Safe Deposit Box 3 x 10 x 22 (audience not stated, treated as personal)$35
Safe Deposit Box 3 x 5 x 22$25
Safe Deposit Box 3 x 5 x 22 (audience not stated, treated as personal)$25
Safe Deposit Box 5 x 10 x 22$50
Safe Deposit Box 5 x 10 x 22 (audience not stated, treated as personal)$50
Processing garnishments or levies$50

Other Fees

Copies Per Page$0.25
per item
Outgoing Fax for First Page$2
Not compared: Monthly charge, not per item
per month
Statement copies per statement$5

Fee	Amount	Basis	Note
Account Maintenance
Classic Checking monthly service charge	$3	per month	None
Monthly Service	$5	per month	None
Closing Membership Within the First 90 Days	$25	Not stated	None
Dormant fee per month	$10	per month	None
Reconciliation/Research	$25	Not stated	None
Return mail or e-statement per item	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Transfer funds to cover overdraft	$5	Not stated	None
ATM & Card
ATM withdrawals or inquiries in	$1	Not stated	None
Effective August 1st, 2025 \| Reissue Card	$10	Not stated	None
Reissue Card	$10Not compared: Monthly charge, not per item	per month	None
Wire Transfers
Incoming wire transfer	$15	Not stated	None
Wire Transfer with Complete Instructions - No International Wires	$25	Not stated	None
Check Services
VCCU Official Check	$3	Not stated	None
Money Order	$3Not compared: Monthly charge, not per item	per month	None
Stop payment	$25	Not stated	None
Stop payment on a block of checks	$50	Not stated	None
Non-member “on us” check cashing	$5	Not stated	None
Canadian check processing - Per Item	$10	per item	None
Draft copy	$3	Not stated	None
Digital & Electronic
ACH returned for non-sufficient funds	$25	Not stated	None
Draft and ACH returned	$25	Not stated	None
Draft and ACH Returned for Non-sufficient Funds Per Item	$25	per item	None
Account Services
One lost key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10 x 22	$85	Not stated	None
Safe Deposit Box 10 x 10 x 22 (audience not stated, treated as personal)	$85	Not stated	None
Safe Deposit Box 3 x 10 x 22	$35	Not stated	None
Safe Deposit Box 3 x 10 x 22 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3 x 5 x 22	$25	Not stated	None
Safe Deposit Box 3 x 5 x 22 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5 x 10 x 22	$50	Not stated	None
Safe Deposit Box 5 x 10 x 22 (audience not stated, treated as personal)	$50	Not stated	None
Processing garnishments or levies	$50	Not stated	None
Other Fees
Copies Per Page	$0.25	per item	None
Outgoing Fax for First Page	$2Not compared: Monthly charge, not per item	per month	None
Statement copies per statement	$5	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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