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

Golden Rule Community Federal Credit Union

Ripon, WisconsinCredit UnionChicago Fed districtFees collected Feb 17, 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

Account reconciling or research fee (per hour)$20Within the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=account_research; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Account reconciling or research fee (per hour) | $20.00" · Source

Dormant account (after 3 years) per year$15

$10 above the national median

per year · Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=dormant_account; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Dormant account (after 3 years) per year | $15.00" · Source

Overdraft & NSFVerified

Loan overdraft transfer$0Below the typical range ($2.38–$5 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #5429. canonical_hint=od_protection_transfer; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Loan overdraft transfer | FREE" · Source
Non-Sufficient Funds (per item)$29Within the typical range ($25–$31 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=nsf; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Non-Sufficient Funds (per item) | $29.00" · Source
Non-Sufficient Funds share draft$29Within the typical range ($25–$31 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=nsf; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Non-Sufficient Funds share draft | $29.00" · Source
Overdraft account transfer$2Below the typical range ($2.38–$5 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=od_protection_transfer; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Overdraft account transfer | $2.00" · Source
Return check fee$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=nsf; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Return check fee | $25.00" · Source

ATM & CardVerified

Debit replacement card fee$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=card_replacement; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Debit replacement card fee | $15.00" · Source

Wire TransfersVerified

Wire transfer fee (outgoing) in Wisconsin$35Above the typical range ($20–$25 nationally)
$12.50 above the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=wire_domestic_outgoing; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Wire transfer fee (outgoing) in Wisconsin | $35.00" · Source

Check ServicesVerified

Cashier's/Treasurer's check$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=cashiers_check; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Cashier's/Treasurer's check | $3.00" · Source
Check cashing member check by non-member$25Above the typical range ($5–$10 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=check_cashing; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Check cashing member check by non-member | $25.00" · Source
Money order (per item) up to$3Within the typical range ($2–$3.50 nationally)
$1 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=money_order; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Money order (per item) up to $1,000 | $3.00" · Source
Stop payment request (check or ACH)$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=stop_payment; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Stop payment request (check or ACH) | $25.00" · Source

Digital & ElectronicVerified

i-PAL (internet Personal Access Line) w/bill pay & estatements$0Within the typical range ($0–$10.46 nationally)
$4.95 below the national median
Knox read a free fee from Rosetta artifact #5429. canonical_hint=bill_pay; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="i-PAL (internet Personal Access Line) w/bill pay & estatements | FREE" · Source

Cash & DepositVerified

Cash Advance$5Within the typical range ($3.38–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=cash_advance; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Cash Advance | $5.00 or 3% of advanced amount not to exceed $50.00" · Source
Returned check fee (a deposited item returned uncollected)$29Above the typical range ($9–$25 nationally)
$14 above the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=deposited_item_return; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Returned check fee (a deposited item returned uncollected) | $29.00" · Source

Lending FeesVerified

Late fee$25Within the typical range ($15–$25 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=late_payment; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Late fee | $25.00" · Source

Other FeesVerified

Photocopy (per page)$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=document_reproduction; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Photocopy (per page) | $2.00" · Source
Statement copy or account history (per page) (e-statements are free)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=document_reproduction; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Statement copy or account history (per page) (e-statements are free) | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account reconciling or research fee (per hour)	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=account_research; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Account reconciling or research fee (per hour) \| $20.00"	Source
Dormant account (after 3 years) per year	$15Above the typical range ($5–$10 nationally)	$10 above the national median	per year	Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=dormant_account; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Dormant account (after 3 years) per year \| $15.00"	Source
Overdraft & NSFVerified
Loan overdraft transfer	$0Below the typical range ($2.38–$5 nationally)	$5 below the national median	—	Knox read a free fee from Rosetta artifact #5429. canonical_hint=od_protection_transfer; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Loan overdraft transfer \| FREE"	Source
Non-Sufficient Funds (per item)
ATM & CardVerified
Debit replacement card fee	$15Above the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=card_replacement; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Debit replacement card fee \| $15.00"	Source
Wire TransfersVerified
Wire transfer fee (outgoing) in Wisconsin	$35Above the typical range ($20–$25 nationally)	$12.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=wire_domestic_outgoing; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Wire transfer fee (outgoing) in Wisconsin \| $35.00"	Source
Check ServicesVerified
Cashier's/Treasurer's check	$3Within the typical range ($3–$5.50 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=cashiers_check; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Cashier's/Treasurer's check \| $3.00"	Source
Check cashing member check by non-member
Digital & ElectronicVerified
i-PAL (internet Personal Access Line) w/bill pay & estatements	$0Within the typical range ($0–$10.46 nationally)	$4.95 below the national median	—	Knox read a free fee from Rosetta artifact #5429. canonical_hint=bill_pay; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="i-PAL (internet Personal Access Line) w/bill pay & estatements \| FREE"	Source
Cash & DepositVerified
Cash Advance	$5Within the typical range ($3.38–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=cash_advance; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Cash Advance \| $5.00 or 3% of advanced amount not to exceed $50.00"	Source
Returned check fee (a deposited item returned uncollected)
Lending FeesVerified
Late fee	$25Within the typical range ($15–$25 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=late_payment; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Late fee \| $25.00"	Source
Other FeesVerified
Photocopy (per page)	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #5429. canonical_hint=document_reproduction; text_hash=b0caaf51958a78583a954033eb5f6a6e7f3e60c26cef032daed5c51235c608e0; excerpt="Photocopy (per page) \| $2.00"	Source
Statement copy or account history (per page) (e-statements are free)

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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.

NSF fee: $29

NSF fee is aligned with the national median

Total fees: 19 — leaner than most institutions

Published fees

Under review

Assets

$42.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$42.6M

Total deposits

$36.9M

Service charge income (year to date)

$50K

Fee income ratio

4.8%

Return on assets

0.76%

Financial profile · Pro

Performance from regulator filings

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

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Based on 25,267 verified fees from 2,206 institutions

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