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, $1B to $10B

First Community Federal Credit Union

Chesterfield, MissouriCredit UnionSt. Louis Fed districtFees collected Oct 3, 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

Checking I Account5 Monthly service charge$10Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Paid NSF Item$27.50Within the typical range ($25–$33 nationally)
$2.50 below the national median$1.75 below the Missouri median
per item · Source
Return Items Return NSF Item$27.50Within the typical range ($25–$32 nationally)
$2.50 below the national median$0.50 below the Missouri median
per item · Source
EFT Overdraft Transfer Charge$2Below the typical range ($2.50–$5 nationally)
$3 below the national median$3 below the Missouri median
per item · Source

ATM & CardVerified

ATM/Debit Card (ATM owner-imposed surcharges may apply.) Foreign ATM Transactions$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.50 below the Missouri median
per item · Source
Foreign ATM Transactions$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.50 below the Missouri median
per transaction · Source
Card Replacement Charge$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the Missouri median
per item · Source
Card Rush Charge (domestic)$60Above the typical range ($30–$50 nationally)
$20 above the national median$25 above the Missouri median
per item · Source

Wire TransfersVerified

Outgoing Domestic Wire$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Missouri median
per item · Source
Wire Transactions Outgoing Domestic Wire$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Missouri median
per year · Source

Check ServicesVerified

Cashier's Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the Missouri median
per item · Source
Cashier's Check (more than 2)$2Below the typical range ($3–$6 nationally)
$3 below the national median$3 below the Missouri median
per item · Source
Stop Payment on Check or ACH$27.50Within the typical range ($20–$30 nationally)
At the national median$0.50 below the Missouri median
per item · Source
Foreign Check Deposit (below )$0Below the typical range ($10–$25 nationally)
$20 below the national median$20 below the Missouri median
Source
Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national medianAt the Missouri median
per item · Source
per check ACH Check Copy/Research............................$2Within the typical range ($2–$5 nationally)
$1 below the national medianAt the Missouri median
per item · Source

Digital & ElectronicVerified

Expedited Bill Pay Check (2-Day Delivery)$19.95Above the typical range ($0–$9.95 nationally)
$17.45 above the national median$14.95 above the Missouri median
per item · Source
EXPRESSnet Online Bill Payment Service$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$5 below the Missouri median
Source

Account ServicesVerified

Safe Deposit Box 10x10$75Above the typical range ($30–$70 nationally)
$30 above the national median$42.50 above the Missouri median
per year · Source
Safe Deposit Box 3x10$30Within the typical range ($30–$70 nationally)
$15 below the national median$2.50 below the Missouri median
per year · Source
Safe Deposit Box 3x5$15Below the typical range ($30–$70 nationally)
$30 below the national median$17.50 below the Missouri median
per year · Source
Safe Deposit Box 5x10$45Within the typical range ($30–$70 nationally)
At the national median$12.50 above the Missouri median
per year · Source
Safe Deposit Box Late Payment Charge$10Below the typical range ($30–$70 nationally)
$35 below the national median$22.50 below the Missouri median
Source
Safe Deposit Box2 3x5$15Below the typical range ($30–$70 nationally)
$30 below the national median$17.50 below the Missouri median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Checking I Account5 Monthly service charge	$10Within the typical range ($4–$10 nationally)	$4 above the national median$3.52 above the Missouri median	per month	—	Source
Member Account Inactivity Service Charge	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Missouri median	per month	—	Source
Account Research...................................................	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$2.50 above the Missouri median	—	—	Source
Invalid Address Service Charge	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$12.50 below the Missouri median	per quarter	—	Source
Overdraft & NSFVerified
Paid NSF Item	$27.50Within the typical range ($25–$33 nationally)	$2.50 below the national median$1.75 below the Missouri median	per item	—	Source
Return Items Return NSF Item	$27.50
ATM & CardVerified
ATM/Debit Card (ATM owner-imposed surcharges may apply.) Foreign ATM Transactions	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$0.50 below the Missouri median	per item	—	Source
Foreign ATM Transactions	$1
Wire TransfersVerified
Outgoing Domestic Wire	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Missouri median	per item	—	Source
Wire Transactions Outgoing Domestic Wire	$20
Check ServicesVerified
Cashier's Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Missouri median	per item	—	Source
Cashier's Check (more than 2)	$2
Digital & ElectronicVerified
Expedited Bill Pay Check (2-Day Delivery)	$19.95Above the typical range ($0–$9.95 nationally)	$17.45 above the national median$14.95 above the Missouri median	per item	—	Source
EXPRESSnet Online Bill Payment Service	$0
Cash & DepositVerified
Returned Deposited Item	$13Within the typical range ($8–$25 nationally)	$2 below the national median$3 above the Missouri median	—	—	Source
Account ServicesVerified
Safe Deposit Box 10x10	$75Above the typical range ($30–$70 nationally)	$30 above the national median$42.50 above the Missouri median	per year	—	Source
Safe Deposit Box 3x10	$30
Other FeesVerified
Statement Copy	$1.50Below the typical range ($2–$5 nationally)	$1.50 below the national median$0.50 below the Missouri median	—	—	Source

Against Missouri credit unions

Overdraft
$27.50
Of 27 others that publish it, 11 lower and 16 higher.
Monthly maintenance
$10.00
Of 11 others that publish it, 10 lower and 1 higher.

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$5.0B

Total deposits

$4.5B

Service charge income (year to date)

$9.8M

Fee income ratio

6.4%

Return on assets

0.95%

Financial profile · Pro

Performance from regulator filings

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