Montana Educators' Federal Credit Union

Headquarters: Missoula, Montana
Charter: Credit Union
Assets: $35.3M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Overdraft (OD)
Montana Educators' Federal Credit Union: $27
Montana Educators' Federal Credit Union: $27
U.S. median: no median
NSF / Returned Item
Montana Educators' Federal Credit Union: $27
Montana Educators' Federal Credit Union: $27
U.S. median: no median
Wire Transfer (Domestic Out)
Montana Educators' Federal Credit Union: $26
Montana Educators' Federal Credit Union: $26
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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

Account Maintenance

Early Account Closure (less than 90 days)$15
Dormant Account$5
per month
Account Balancing/Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$5

Overdraft & NSF

Overdraft (per item paid)$27
per item
Non-Sufficient Funds (NSF)$27
per item
Overdraft Transfers (exceeding 3/month)$5

ATM & Card

Replacement ATM/Debit Card$10

Wire Transfers

Domestic Outgoing Wire Transfer$26
Foreign Outgoing Wire Transfer$52

Check Services

Stop Payment$25
Canadian Collection Item$1
Copy of Draft$5

Cash & Deposit

Returned Deposit Item$5

Account Services

Notary Service (non-member)$2
Legal Processing$30

Lending Fees

Late Fee (audience not stated, treated as personal)5%($10 minimum)

Other Fees

Statement Copy$4
Loan Extension Fee$25
Summer Skip-A-Payment$10

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (less than 90 days)	$15	Not stated	None
Dormant Account	$5	per month	None
Account Balancing/Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Overdraft (per item paid)	$27	per item	None
Non-Sufficient Funds (NSF)	$27	per item	None
Overdraft Transfers (exceeding 3/month)	$5	Not stated	None
ATM & Card
Replacement ATM/Debit Card	$10	Not stated	None
Wire Transfers
Domestic Outgoing Wire Transfer	$26	Not stated	None
Foreign Outgoing Wire Transfer	$52	Not stated	None
Check Services
Stop Payment	$25	Not stated	None
Canadian Collection Item	$1	Not stated	None
Copy of Draft	$5	Not stated	None
Cash & Deposit
Returned Deposit Item	$5	Not stated	None
Account Services
Notary Service (non-member)	$2	Not stated	None
Legal Processing	$30	Not stated	None
Lending Fees
Late Fee (audience not stated, treated as personal)	5%($10 minimum)	Not stated	None
Other Fees
Statement Copy	$4	Not stated	None
Loan Extension Fee	$25	Not stated	None
Summer Skip-A-Payment	$10	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 15, 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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