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

Vantage Federal Credit Union

Saint Charles, MissouriCredit UnionSt. Louis Fed districtFees collected Oct 8, 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

Inactive Member Fee: (INACTIVE MEMBER)$3Below the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee (per item paid > ): (CPAY)$30Within the typical range ($25–$33 nationally)
At the national median$0.75 above the Missouri median
per item · Source
ACH NSF$30Within the typical range ($25–$32 nationally)
At the national median$2 above the Missouri median
per item · Source

ATM & CardVerified

NON CO OP ATM$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national median$0.50 above the Missouri median
Source
Card Replacement Fee: (CARD REPLACEMENT)$10Within the typical range ($5–$10 nationally)
At the national medianAt the Missouri median
Source

Other FeesVerified

Loan Modification Fee (per month)$30Within the typical range ($25–$100 nationally)
$7.50 below the national median$15 above the Missouri median
per month · Source
Loan Subordination Fee$150Above the typical range ($25–$100 nationally)
$112.50 above the national median$135 above the Missouri median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Inactive Member Fee: (INACTIVE MEMBER)	$3Below the typical range ($5–$10 nationally)	$2 below the national median$2 below the Missouri median	—	—	Source
Account Research Fee (per hour)	$30Above the typical range ($11–$25 nationally)	$12.50 above the national median$12.50 above the Missouri median	—	—	Source
Invalid Address Fee: (INVALID ADDRESS)	$5Below the typical range ($11–$25 nationally)	$12.50 below the national median$12.50 below the Missouri median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee (per item paid > ): (CPAY)	$30Within the typical range ($25–$33 nationally)	At the national median$0.75 above the Missouri median	per item	—	Source
ACH NSF	$30
ATM & CardVerified
NON CO OP ATM	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national median$0.50 above the Missouri median	—	—	Source
Card Replacement Fee: (CARD REPLACEMENT)	$10
Wire TransfersVerified
Wire Transfer Fee (Foreign Country): (FOREIGN WIRE)	$60Above the typical range ($40–$50 nationally)	$10 above the national median$10 above the Missouri median	—	—	Source
Check ServicesVerified
Check Cashing Fee (non members, per check)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Missouri median	per item	—	Source
Digital & ElectronicVerified
Bill Pay (accessed via computer, smart phone or tablet)	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national median$5 below the Missouri median	—	—	Source
Account ServicesVerified
Legal Order Fee (per order): (LEGAL PROCESSING)	$25Below the typical range ($30–$100 nationally)	$25 below the national median$20 below the Missouri median	—	—	Source
Other FeesVerified
Loan Modification Fee (per month)	$30Within the typical range ($25–$100 nationally)	$7.50 below the national median$15 above the Missouri median	per month	—	Source
Loan Subordination Fee	$150

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.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

13 verified fees collected

Headline fees published

5 of 15

Published fees

Under review

Assets

$1.2B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.2B

Total deposits

$1.1B

Service charge income (year to date)

$3.4M

Fee income ratio

8.5%

Return on assets

0.35%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 66,668 published fee entries from 3,619 institutions

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Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings