Co-Op Federal Credit Union

Headquarters: Black River Falls, Wisconsin
Charter: Credit Union
Assets: $626.8M
Fed district: Chicago

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

Source: its fee schedule, read Nov 1, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Compared at $1.50, the middle of its prices
Co-Op Federal Credit Union: $1 to $2
Co-Op Federal Credit Union: $1 to $2
U.S. median: no median
NSF / Returned Item
Compared at $12.50, the middle of its prices
Co-Op Federal Credit Union: $0 to $25
Co-Op Federal Credit Union: $0 to $25
U.S. median: no median
Wire Transfer (Domestic Out)
Co-Op Federal Credit Union: $20
Co-Op Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Co-Op Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Debit-Only Monthly Fee$2
per month
Dividend (Share Draft) Checking Monthly Fee$1
per month
Inactive Account Fee$2
per month
Research Time (reconciling statements, etc.)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Time (reconciling statements, etc.) | $25.00/hour
Returned Mail$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Bill Pay NSF FeeNo charge
NSF Fee/Items returned$25
per item

ATM & Card

Expedited Debit Card$45

Wire Transfers

Wire Transfers: Outgoing$20

Check Services

Certified Checks$10
per item
Corporate Checks$3
per item

Digital & Electronic

Non-recurring ACH Origination$5
per item

Cash & Deposit

Coin Counting (non-members)10%
Coin Counting (non-members) (audience not stated, treated as personal)10%
Cash Advance (Mastercard)$1.50
Returned Check Fee$5
per item

Account Services

Notary ServiceNo charge
Replacement Lock with Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box 10" x 10" (audience not stated, treated as personal)$45
per year
Safe Deposit Box 3" x 10" (audience not stated, treated as personal)$24
per year
Safe Deposit Box 3" x 5" (audience not stated, treated as personal)$12
per year
Safe Deposit Box 5" x 10" (audience not stated, treated as personal)$30
per year
Legal Processing (plus charges by others)$30

Gift & Prepaid Cards

VISA Gift Card$3
per item

Other Fees

Photocopies$0.20
per item
Statement Reprint$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Debit-Only Monthly Fee	$2	per month	None
Dividend (Share Draft) Checking Monthly Fee	$1	per month	None
Inactive Account Fee	$2	per month	None
Research Time (reconciling statements, etc.)	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Time (reconciling statements, etc.) \| $25.00/hour
Returned Mail	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Bill Pay NSF Fee	No charge	Not stated	None
NSF Fee/Items returned	$25	per item	None
ATM & Card
Expedited Debit Card	$45	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$20	Not stated	None
Check Services
Certified Checks	$10	per item	None
Corporate Checks	$3	per item	None
Digital & Electronic
Non-recurring ACH Origination	$5	per item	None
Cash & Deposit
Coin Counting (non-members)	10%	Not stated	None
Coin Counting (non-members) (audience not stated, treated as personal)	10%	Not stated	None
Cash Advance (Mastercard)	$1.50	Not stated	None
Returned Check Fee	$5	per item	None
Account Services
Notary Service	No charge	Not stated	None
Replacement Lock with Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" x 10" (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 3" x 10" (audience not stated, treated as personal)	$24	per year	None
Safe Deposit Box 3" x 5" (audience not stated, treated as personal)	$12	per year	None
Safe Deposit Box 5" x 10" (audience not stated, treated as personal)	$30	per year	None
Legal Processing (plus charges by others)	$30	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	per item	None
Other Fees
Photocopies	$0.20	per item	None
Statement Reprint	$5Not compared: Monthly charge, not per item	per month	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Debit-Only Monthly Fee$2
per month
Dividend (Share Draft) Checking Monthly Fee$1
per month
Inactive Account Fee$2
per month
Research Time (reconciling statements, etc.)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Time (reconciling statements, etc.) | $25.00/hour
Returned Mail$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Bill Pay NSF FeeNo charge
NSF Fee/Items returned$25
per item

ATM & Card

Expedited Debit Card$45

Wire Transfers

Wire Transfers: Outgoing$20

Check Services

Certified Checks$10
per item
Corporate Checks$3
per item

Digital & Electronic

Non-recurring ACH Origination$5
per item
Set-up fee$50

Cash & Deposit

Coin Counting (non-members)10%
Cash Advance (Mastercard)$1.50
Returned Check Fee$5
per item

Account Services

Notary ServiceNo charge
Replacement Lock with Drilling$150
Not compared: Box drilling or key fee
Legal Processing (plus charges by others)$30

Gift & Prepaid Cards

VISA Gift Card$3
per item

Other Fees

Photocopies$0.20
per item
Statement Reprint$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Debit-Only Monthly Fee	$2	per month	None
Dividend (Share Draft) Checking Monthly Fee	$1	per month	None
Inactive Account Fee	$2	per month	None
Research Time (reconciling statements, etc.)	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Time (reconciling statements, etc.) \| $25.00/hour
Returned Mail	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Bill Pay NSF Fee	No charge	Not stated	None
NSF Fee/Items returned	$25	per item	None
ATM & Card
Expedited Debit Card	$45	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$20	Not stated	None
Check Services
Certified Checks	$10	per item	None
Corporate Checks	$3	per item	None
Digital & Electronic
Non-recurring ACH Origination	$5	per item	None
Set-up fee	$50	Not stated	None
Cash & Deposit
Coin Counting (non-members)	10%	Not stated	None
Cash Advance (Mastercard)	$1.50	Not stated	None
Returned Check Fee	$5	per item	None
Account Services
Notary Service	No charge	Not stated	None
Replacement Lock with Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Legal Processing (plus charges by others)	$30	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	per item	None
Other Fees
Photocopies	$0.20	per item	None
Statement Reprint	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Nov 1, 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.

Fee change alerts

Get an email when Co-Op Federal Credit Union's nsf / returned item changes in our data

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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 $1.50, the middle of its prices
Co-Op Federal Credit Union: $1 to $2
Co-Op Federal Credit Union: $1 to $2
U.S. median: no median
NSF / Returned Item
Compared at $12.50, the middle of its prices
Co-Op Federal Credit Union: $0 to $25
Co-Op Federal Credit Union: $0 to $25
U.S. median: no median
Wire Transfer (Domestic Out)
Co-Op Federal Credit Union: $20
Co-Op Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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.

Published fee schedule

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

Account Maintenance

Debit-Only Monthly Fee$2
per month
Dividend (Share Draft) Checking Monthly Fee$1
per month
Inactive Account Fee$2
per month
Research Time (reconciling statements, etc.)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Time (reconciling statements, etc.) | $25.00/hour
Returned Mail$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Bill Pay NSF FeeNo charge
NSF Fee/Items returned$25
per item

ATM & Card

Expedited Debit Card$45

Wire Transfers

Wire Transfers: Outgoing$20

Check Services

Certified Checks$10
per item
Corporate Checks$3
per item

Digital & Electronic

Non-recurring ACH Origination$5
per item

Cash & Deposit

Coin Counting (non-members)10%
Coin Counting (non-members) (audience not stated, treated as personal)10%
Cash Advance (Mastercard)$1.50
Returned Check Fee$5
per item

Account Services

Notary ServiceNo charge
Replacement Lock with Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box 10" x 10" (audience not stated, treated as personal)$45
per year
Safe Deposit Box 3" x 10" (audience not stated, treated as personal)$24
per year
Safe Deposit Box 3" x 5" (audience not stated, treated as personal)$12
per year
Safe Deposit Box 5" x 10" (audience not stated, treated as personal)$30
per year
Legal Processing (plus charges by others)$30

Gift & Prepaid Cards

VISA Gift Card$3
per item

Other Fees

Photocopies$0.20
per item
Statement Reprint$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Debit-Only Monthly Fee	$2	per month	None
Dividend (Share Draft) Checking Monthly Fee	$1	per month	None
Inactive Account Fee	$2	per month	None
Research Time (reconciling statements, etc.)	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Time (reconciling statements, etc.) \| $25.00/hour
Returned Mail	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Bill Pay NSF Fee	No charge	Not stated	None
NSF Fee/Items returned	$25	per item	None
ATM & Card
Expedited Debit Card	$45	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$20	Not stated	None
Check Services
Certified Checks	$10	per item	None
Corporate Checks	$3	per item	None
Digital & Electronic
Non-recurring ACH Origination	$5	per item	None
Cash & Deposit
Coin Counting (non-members)	10%	Not stated	None
Coin Counting (non-members) (audience not stated, treated as personal)	10%	Not stated	None
Cash Advance (Mastercard)	$1.50	Not stated	None
Returned Check Fee	$5	per item	None
Account Services
Notary Service	No charge	Not stated	None
Replacement Lock with Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" x 10" (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 3" x 10" (audience not stated, treated as personal)	$24	per year	None
Safe Deposit Box 3" x 5" (audience not stated, treated as personal)	$12	per year	None
Safe Deposit Box 5" x 10" (audience not stated, treated as personal)	$30	per year	None
Legal Processing (plus charges by others)	$30	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	per item	None
Other Fees
Photocopies	$0.20	per item	None
Statement Reprint	$5Not compared: Monthly charge, not per item	per month	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Debit-Only Monthly Fee$2
per month
Dividend (Share Draft) Checking Monthly Fee$1
per month
Inactive Account Fee$2
per month
Research Time (reconciling statements, etc.)$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Time (reconciling statements, etc.) | $25.00/hour
Returned Mail$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Bill Pay NSF FeeNo charge
NSF Fee/Items returned$25
per item

ATM & Card

Expedited Debit Card$45

Wire Transfers

Wire Transfers: Outgoing$20

Check Services

Certified Checks$10
per item
Corporate Checks$3
per item

Digital & Electronic

Non-recurring ACH Origination$5
per item
Set-up fee$50

Cash & Deposit

Coin Counting (non-members)10%
Cash Advance (Mastercard)$1.50
Returned Check Fee$5
per item

Account Services

Notary ServiceNo charge
Replacement Lock with Drilling$150
Not compared: Box drilling or key fee
Legal Processing (plus charges by others)$30

Gift & Prepaid Cards

VISA Gift Card$3
per item

Other Fees

Photocopies$0.20
per item
Statement Reprint$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Debit-Only Monthly Fee	$2	per month	None
Dividend (Share Draft) Checking Monthly Fee	$1	per month	None
Inactive Account Fee	$2	per month	None
Research Time (reconciling statements, etc.)	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Time (reconciling statements, etc.) \| $25.00/hour
Returned Mail	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Bill Pay NSF Fee	No charge	Not stated	None
NSF Fee/Items returned	$25	per item	None
ATM & Card
Expedited Debit Card	$45	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$20	Not stated	None
Check Services
Certified Checks	$10	per item	None
Corporate Checks	$3	per item	None
Digital & Electronic
Non-recurring ACH Origination	$5	per item	None
Set-up fee	$50	Not stated	None
Cash & Deposit
Coin Counting (non-members)	10%	Not stated	None
Cash Advance (Mastercard)	$1.50	Not stated	None
Returned Check Fee	$5	per item	None
Account Services
Notary Service	No charge	Not stated	None
Replacement Lock with Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Legal Processing (plus charges by others)	$30	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	per item	None
Other Fees
Photocopies	$0.20	per item	None
Statement Reprint	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Nov 1, 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.