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.

Explore Hamilton View published fees

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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Among its peers

Montana Educators' Federal Credit Union · $35M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$34M to $36M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Montana Educators' Federal Credit Union(this institution)	Missoula, MT	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpena Community Federal Credit Union	Alpena, MI	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpha Federal Credit Union	Boston, MA	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brazos Star Federal Credit Union	College Station, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Canals & Trails Federal Credit Union	Lockport, IL	$34M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chen-Del-O Federal Credit Union	Franklin, NY	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Link Federal Credit Union	Huntington, IN	$36M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Ct Firefighters Federal Credit Union	Hartford, CT	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
El Monte Community Federal Credit Union	El Monte, CA	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eweb Employees Federal Credit Union	Eugene, OR	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Valley Federal Credit Union	Fresno, CA	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Koin Federal Credit Union	Brentwood, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Matagorda County Federal Credit Union	Bay City, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meadowland Federal Credit Union	Sheboygan Falls, WI	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwestern Energy Employees Federal Credit Union	Butte, MT	$35M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nsp Federal Credit Union	Maplewood, MN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
O And R Utilities Employees Federal Credit Union	Monroe, NY	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Outreach Federal Credit Union	Hermitage, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Postal Employees Federal Credit Union	Yardville, NJ	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reliance Federal Credit Union	King of Prussia, PA	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
School District 3 Federal Credit Union	Colorado Springs, CO	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Service Plus Federal Credit Union	Moline, IL	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Steuben Citizens Federal Credit Union	Bath, NY	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Transport Federal Credit Union	Tampa, FL	$36M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wcu Credit Union	Decatur, AL	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wichita Falls Federal Credit Union	Wichita Falls, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(out-of-network atm)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Montana Educators' Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 among 8 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Montana Educators' Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Montana Educators' Federa…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Montana Educators' Federal Credit Union's cashier's check changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

Montana Educators' Federal Credit Union · $35M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$34M to $36M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Montana Educators' Federal Credit Union(this institution)	Missoula, MT	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpena Community Federal Credit Union	Alpena, MI	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpha Federal Credit Union	Boston, MA	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brazos Star Federal Credit Union	College Station, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Canals & Trails Federal Credit Union	Lockport, IL	$34M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chen-Del-O Federal Credit Union	Franklin, NY	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Link Federal Credit Union	Huntington, IN	$36M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Ct Firefighters Federal Credit Union	Hartford, CT	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
El Monte Community Federal Credit Union	El Monte, CA	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eweb Employees Federal Credit Union	Eugene, OR	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Valley Federal Credit Union	Fresno, CA	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Koin Federal Credit Union	Brentwood, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Matagorda County Federal Credit Union	Bay City, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meadowland Federal Credit Union	Sheboygan Falls, WI	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwestern Energy Employees Federal Credit Union	Butte, MT	$35M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nsp Federal Credit Union	Maplewood, MN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
O And R Utilities Employees Federal Credit Union	Monroe, NY	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Outreach Federal Credit Union	Hermitage, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Postal Employees Federal Credit Union	Yardville, NJ	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reliance Federal Credit Union	King of Prussia, PA	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
School District 3 Federal Credit Union	Colorado Springs, CO	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Service Plus Federal Credit Union	Moline, IL	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Steuben Citizens Federal Credit Union	Bath, NY	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Transport Federal Credit Union	Tampa, FL	$36M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wcu Credit Union	Decatur, AL	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wichita Falls Federal Credit Union	Wichita Falls, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(out-of-network atm)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Montana Educators' Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 among 8 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Montana Educators' Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Montana Educators' Federa…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.