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

Avestar Federal Credit Union

Waterloo, WisconsinCredit UnionChicago Fed districtFees collected Oct 4, 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

Dormant Account (after 1 year & under $100.00)$5Within the typical range ($5–$10 nationally)

At the national medianAt the Wisconsin median

Account Reconciliation$10

$7.50 below the national median$7.50 below the Wisconsin median

Source

Undeliverable mail/address correct$5

$12.50 below the national median$12.50 below the Wisconsin median

per item · Source

Overdraft & NSFVerified

Courtesy Pay$25Within the typical range ($25–$33 nationally)
$5 below the national median$3 below the Wisconsin median
per item · Source
Overdraft (NSF)$25Within the typical range ($25–$33 nationally)
$5 below the national median$3 below the Wisconsin median
per item · Source
Returned NSF Item$25Within the typical range ($25–$32 nationally)
$5 below the national median$3 below the Wisconsin median
per item · Source

ATM & CardVerified

Debit Card Reissue$10Within the typical range ($5–$10 nationally)
At the national medianAt the Wisconsin median
Source

Wire TransfersVerified

Wire Transfers: Outgoing$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Wisconsin median
per item · Source
Wire Transfers: Incoming$10Within the typical range ($5–$15 nationally)
At the national medianAt the Wisconsin median
per item · Source
Wire Transfers: Foreign$60Above the typical range ($40–$50 nationally)
$10 above the national median$8 above the Wisconsin median
per item · Source

Check ServicesVerified

Cashier's Check$3Within the typical range ($3–$6 nationally)
$2 below the national median$2 below the Wisconsin median
Source
Money Order$3Within the typical range ($1.50–$3 nationally)
$1 above the national medianAt the Wisconsin median
per item · Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$2.50 below the Wisconsin median
per item · Source
Check Copy$3Within the typical range ($2–$5 nationally)
At the national medianAt the Wisconsin median
per item · Source

Digital & ElectronicVerified

ACH NSF Return$25Within the typical range ($15–$30 nationally)
At the national medianAt the Wisconsin median
per item · Source

Cash & DepositVerified

Deposited Item Return$3Below the typical range ($8–$25 nationally)
$12 below the national median$7 below the Wisconsin median
per item · Source

Account ServicesVerified

Tax Levy$35Within the typical range ($30–$87.50 nationally)
$15 below the national median$15 below the Wisconsin median
per item · Source
Verification of Account$10Within the typical range ($5–$15 nationally)
At the national median
Source

Lending FeesVerified

Late Payment (after 10 days)$25Within the typical range ($10–$25 nationally)
$5 above the national median$15 above the Wisconsin median
per month · Source

Gift & Prepaid CardsVerified

Travel Card Reload$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median$0.50 below the Wisconsin median
Source

Other FeesVerified

Duplicate Lien Release$10Below the typical range ($25–$100 nationally)
$27.50 below the national median$65 below the Wisconsin median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account (after 1 year & under $100.00)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Wisconsin median	per month	—	Source
Account Reconciliation	$10Below the typical range ($12–$25 nationally)	$7.50 below the national median$7.50 below the Wisconsin median	—	—	Source
Undeliverable mail/address correct	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$12.50 below the Wisconsin median	per item	—	Source
Overdraft & NSFVerified
Courtesy Pay	$25Within the typical range ($25–$33 nationally)	$5 below the national median$3 below the Wisconsin median	per item	—	Source
Overdraft (NSF)	$25
ATM & CardVerified
Debit Card Reissue	$10Within the typical range ($5–$10 nationally)	At the national medianAt the Wisconsin median	—	—	Source
Wire TransfersVerified
Wire Transfers: Outgoing	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Wisconsin median	per item	—	Source
Wire Transfers: Incoming	$10
Check ServicesVerified
Cashier's Check	$3Within the typical range ($3–$6 nationally)	$2 below the national median$2 below the Wisconsin median	—	—	Source
Money Order	$3
Digital & ElectronicVerified
ACH NSF Return	$25Within the typical range ($15–$30 nationally)	At the national medianAt the Wisconsin median	per item	—	Source
Cash & DepositVerified
Deposited Item Return	$3Below the typical range ($8–$25 nationally)	$12 below the national median$7 below the Wisconsin median	per item	—	Source
Account ServicesVerified
Tax Levy	$35Within the typical range ($30–$87.50 nationally)	$15 below the national median$15 below the Wisconsin median	per item	—	Source
Verification of Account	$10
Lending FeesVerified
Late Payment (after 10 days)	$25Within the typical range ($10–$25 nationally)	$5 above the national median$15 above the Wisconsin median	per month	—	Source
Gift & Prepaid CardsVerified
Travel Card Reload	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$0.50 below the Wisconsin median	—	—	Source
Other FeesVerified
Duplicate Lien Release	$10Below the typical range ($25–$100 nationally)	$27.50 below the national median$65 below the Wisconsin median	—	—	Source

Against Chicago Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$25.00
Of 170 others that publish it, 29 lower, 31 the same and 110 higher.

See every headline fee against its local competitors

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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.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

21 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$68.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$68.2M

Total deposits

$59.6M

Service charge income (year to date)

$294K

Fee income ratio

13.0%

Return on assets

0.53%

Financial profile · Pro

Performance from regulator filings

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Based on 65,356 published fee entries from 3,591 institutions

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