Northwoods Community Federal Credit Union

Headquarters: Park Falls, Wisconsin
Charter: Credit Union
Assets: $93.1M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
Preferred Checking $4 · Premier Checking $25
Compared at $14.50, the middle of its prices
Northwoods Community Federal Credit Union: $4 to $25
Northwoods Community Federal Credit Union: $4 to $25
U.S. median: no median
Overdraft (OD)
Northwoods Community Federal Credit Union: $30
Northwoods Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Northwoods Community Federal Credit Union: $30
Northwoods Community Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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 Northwoods Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Preferred Checking monthly fee$4
per month · No fee unless balance falls below $1,000.00 at any time during the month, then a $4.00 fee will be applied
Premier Checking Monthly service fee$25
per month
Close Account (within 12 months of opening)$25
Dormancy Fee (See your Truth-in-Savings Disclosure)$10
per month
Reconciling Statements$30
Not compared: Charged per hour; comparison unavailable
per hour · Reconciling Statements | $30.00/hour
Paper Statement Fee$3
per month
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$30
NSF Check Returns$30

ATM & Card

Debit Card (Replacement Fee)$10

Wire Transfers

Wire Transfers (outgoing)$30
Wire Transfers (incoming)$15

Check Services

Official Checks$5.50
per item
Stop Payments$30
Check Copy$5
per item

Digital & Electronic

ACH Returned$30
Bill Pay Service$7
per month

Cash & Deposit

Member Deposited Returned Check$30

Account Services

Safe Deposit Box$100
per year
Safe Deposit Box$40
per year
Safe Deposit Box$70
per year
Safe Deposit Box annually 10x10x21 (audience not stated, treated as personal)$100
per year
Safe Deposit Box annually 3x10x21 (audience not stated, treated as personal)$40
per year
Safe Deposit Box annually 5x10x21 (audience not stated, treated as personal)$70
per year
Safe Deposit Boxes$20
per year
Garnishments and Levies$75

Gift & Prepaid Cards

Gift Cards$4
per item

Other Fees

Statement Copies$8
per item

Fee	Amount	Basis	Note
Account Maintenance
Preferred Checking monthly fee	$4	per month	No fee unless balance falls below $1,000.00 at any time during the month, then a $4.00 fee will be applied
Premier Checking Monthly service fee	$25	per month	None
Close Account (within 12 months of opening)	$25	Not stated	None
Dormancy Fee (See your Truth-in-Savings Disclosure)	$10	per month	None
Reconciling Statements	$30Not compared: Charged per hour; comparison unavailable	per hour	Reconciling Statements \| $30.00/hour
Paper Statement Fee	$3	per month	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
NSF Check Returns	$30	Not stated	None
ATM & Card
Debit Card (Replacement Fee)	$10	Not stated	None
Wire Transfers
Wire Transfers (outgoing)	$30	Not stated	None
Wire Transfers (incoming)	$15	Not stated	None
Check Services
Official Checks	$5.50	per item	None
Stop Payments	$30	Not stated	None
Check Copy	$5	per item	None
Digital & Electronic
ACH Returned	$30	Not stated	None
Bill Pay Service	$7	per month	None
Cash & Deposit
Member Deposited Returned Check	$30	Not stated	None
Account Services
Safe Deposit Box	$100	per year	None
Safe Deposit Box	$40	per year	None
Safe Deposit Box	$70	per year	None
Safe Deposit Box annually 10x10x21 (audience not stated, treated as personal)	$100	per year	None
Safe Deposit Box annually 3x10x21 (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box annually 5x10x21 (audience not stated, treated as personal)	$70	per year	None
Safe Deposit Boxes	$20	per year	None
Garnishments and Levies	$75	Not stated	None
Gift & Prepaid Cards
Gift Cards	$4	per item	None
Other Fees
Statement Copies	$8	per item	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

Nov 3, 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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