Superior Choice Federal Credit Union

Headquarters: Superior, Wisconsin
Charter: Credit Union
Assets: $730.3M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Monthly Maintenance
Chance Checking
Superior Choice Federal Credit Union: $10
Superior Choice Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Superior Choice Federal Credit Union: $32
Superior Choice Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Superior Choice Federal Credit Union: $32
Superior Choice Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

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

Account Maintenance

Chance Checking Fee (monthly)$10
per month
Closed Account Fee Within 180 days <$25
Dormant/Inactive Fee 3 (monthly)$5
per month
Research Fee (per hour; 1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation (per hour; 1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement Fee 2$5
Bad Address Fee 4 (monthly)$5
per month

Overdraft & NSF

NSF (courtesy pay items: check, ACH, or debit card)$32
Overdraft fee$32
per item
NSF (courtesy pay items: check, ACH, or debit card)$32
Returned item fee$32
per item

ATM & Card

Foreign ATM Fee$3
Foreign Balance Inquiry$1
ATM Card Replacement Fee$5
Debit Card Replacement Fee$10
Card Rush Fee$30
per item

Wire Transfers

Outgoing Wire Fee (audience not stated, treated as personal)$25
Incoming Mortgage Payoff Wire$15
Incoming Wire Fee (audience not stated, treated as personal)$10

Check Services

Official Check$5
Stop Payment Fee$32
Counter Checks (per order) 1$5
per item
Non-Member On Us Check Cashing Fee (audience not stated, treated as personal)1%
Cleared Check Image$10

Digital & Electronic

Recurring ACH Origination Fee (audience not stated, treated as personal)No charge

Cash & Deposit

Coin Machine (members)No charge
Coin Machine (non-members)10%

Account Services

Notary Services (members)No charge
Notary Services (non-members)$5
Safe Deposit Box - Drill Box Fee$350
Not compared: Box drilling or key fee
Safe Deposit Box - Replacement Key$20
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$90
Safe Deposit Box 3 x 10$50
Safe Deposit Box 3 x 5$25
Safe Deposit Box 5 x 10$60
Safe Deposit Box 5 x 5$40
Safe Deposit Box Late Payment$25
Not compared: Box drilling or key fee
Tax Levy/Garnishment$50

Lending Fees

Mortgage Loan Modification$250

Gift & Prepaid Cards

Reloadable Visa Gift Card-purchase$6.50
VISA Gift Card Purchase Fee$3.50
Visa Gift Card Reload$4.50
per item

Other Fees

Copy Fee (First 5 FREE)$0.10
per item
Statement Copy$5
Loan Payment Due Date Change$25
Mortgage Loan Modification$250
Mortgage Satisfaction Fee$30
Returned Payment Fee$32

Fee	Amount	Basis	Note
Account Maintenance
Chance Checking Fee (monthly)	$10	per month	None
Closed Account Fee Within 180 days <	$25	Not stated	None
Dormant/Inactive Fee 3 (monthly)	$5	per month	None
Research Fee (per hour; 1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation (per hour; 1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement Fee 2	$5	Not stated	None
Bad Address Fee 4 (monthly)	$5	per month	None
Overdraft & NSF
NSF (courtesy pay items: check, ACH, or debit card)	$32	Not stated	None
Overdraft fee	$32	per item	None
NSF (courtesy pay items: check, ACH, or debit card)	$32	Not stated	None
Returned item fee	$32	per item	None
ATM & Card
Foreign ATM Fee	$3	Not stated	None
Foreign Balance Inquiry	$1	Not stated	None
ATM Card Replacement Fee	$5	Not stated	None
Debit Card Replacement Fee	$10	Not stated	None
Card Rush Fee	$30	per item	None
Wire Transfers
Outgoing Wire Fee (audience not stated, treated as personal)	$25	Not stated	None
Incoming Mortgage Payoff Wire	$15	Not stated	None
Incoming Wire Fee (audience not stated, treated as personal)	$10	Not stated	None
Check Services
Official Check	$5	Not stated	None
Stop Payment Fee	$32	Not stated	None
Counter Checks (per order) 1	$5	per item	None
Non-Member On Us Check Cashing Fee (audience not stated, treated as personal)	1%	Not stated	None
Cleared Check Image	$10	Not stated	None
Digital & Electronic
Recurring ACH Origination Fee (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Coin Machine (members)	No charge	Not stated	None
Coin Machine (non-members)	10%	Not stated	None
Account Services
Notary Services (members)	No charge	Not stated	None
Notary Services (non-members)	$5	Not stated	None
Safe Deposit Box - Drill Box Fee	$350Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Replacement Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$90	Not stated	None
Safe Deposit Box 3 x 10	$50	Not stated	None
Safe Deposit Box 3 x 5	$25	Not stated	None
Safe Deposit Box 5 x 10	$60	Not stated	None
Safe Deposit Box 5 x 5	$40	Not stated	None
Safe Deposit Box Late Payment	$25Not compared: Box drilling or key fee	Not stated	None
Tax Levy/Garnishment	$50	Not stated	None
Lending Fees
Mortgage Loan Modification	$250	Not stated	None
Gift & Prepaid Cards
Reloadable Visa Gift Card-purchase	$6.50	Not stated	None
VISA Gift Card Purchase Fee	$3.50	Not stated	None
Visa Gift Card Reload	$4.50	per item	None
Other Fees
Copy Fee (First 5 FREE)	$0.10	per item	None
Statement Copy	$5	Not stated	None
Loan Payment Due Date Change	$25	Not stated	None
Mortgage Loan Modification	$250	Not stated	None
Mortgage Satisfaction Fee	$30	Not stated	None
Returned Payment Fee	$32	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 12, 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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