21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 17, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Compared at $5, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Missouri, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
United Consumers Federal Credit Union · $217M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| United Consumers Federal Credit Union(this institution) | Independence, MO | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Liberty Federal Credit Union | Great Falls, MT | $214M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Aac Federal Credit Union | Grand Rapids, MI | $212M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Access Community Federal Credit Union | Amarillo, TX | $211M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acipco Federal Credit Union | Birmingham, AL | $221M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Autotruck Financial Federal Credit Union | Louisville, KY | $220M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Beacon Federal Credit Union | La Porte, TX | $215M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Canopy Federal Credit Union | Spokane, WA | $222M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Chrome Federal Credit Union | Canonsburg, PA | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Denver Fire Department Federal Credit Union | Denver, CO | $214M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Expedition Federal Credit Union | Mendota Heights, MN | $223M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fitzsimons Federal Credit Union | Aurora, CO | $211M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| H E B Federal Credit Union | San Antonio, TX | $218M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Harris County Federal Credit Union | Houston, TX | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hometown Federal Credit Union | Kulm, ND | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Choice Of Central Texas Federal Credit Union | Waco, TX | $213M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Okunity Federal Credit Union | Stillwater, OK | $215M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palisades Federal Credit Union | Pearl River, NY | $212M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Parda Federal Credit Union | Auburn Hills, MI | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Railway Federal Credit Union | Mandan, ND | $212M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Stark Federal Credit Union | canton, OH | $218M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texasgulf Federal Credit Union | Wharton, TX | $220M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| U S #1364 Federal Credit Union | Merrillville, IN | $222M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| U. S. Employees O. C. Federal Credit Union | Oklahoma City, OK | $213M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Urw Community Federal Credit Union | Danville, VA | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Western Division Federal Credit Union | Williamsville, NY | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 9 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
United Consumers Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from United Consumers Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Classic Money Market Account (balance below $1,000) | $3 | per month | None |
| Preferred Money Market Account (balance below $2,500) | $5 | per month | None |
| Preferred Share Checking (balance below $1,000) | $5 | per month | None |
| Closing Account (less than or equal to 90 days of opening account date) | $5 | Not stated | None |
| Inactive/Dormant Accounts | $5 | per month | None |
| Account Research | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Fee | $30 | Not stated | None |
| Overdraft Privilege | $30 | per item | None |
| Paid Non-Sufficient Funds | $30 | per item | None |
| CU Anywhere (Non-Sufficient Funds) | $30 | per item | None |
| CU Pay (Home Banking Bill Pay) Non-Sufficient Funds | $30 | per item | None |
| MAC 24 Bank by Phone (Non-Sufficient Funds) | $30 | per item | None |
| Mobile Banking (Non-Sufficient Funds) | $30 | per item | None |
| Non-Sufficient Funds Pre-Authorized ACH | $30 | per item | None |
| NSF Fee | $30 | Not stated | None |
| Overdraft Transfer from another deposit account (greater than 6 each month) | $30 | per item | None |
| Overdraft Transfer from another deposit account (less than or equal to 6 each month) | $5 | per item | None |
ATM & Card | |||
| Competitive dividends Youth certificates available Free digital banking & ATM card | $5 | Not stated | None |
| Foreign ATM Transaction (Not at UCCU or Co-Op ATM) | $1.25 | per item | None |
| Full UCCU membership 3 free withdrawals p/month Free digital banking & ATM card | $5 | Not stated | None |
| ATM/Debit Card Replacement | $10 | per item | None |
Wire Transfers | |||
| Wire Out - Domestic | $20 | per item | None |
| Wire In - Domestic | No charge | Not stated | None |
| Wire Out - International | $50 | per item | None |
Check Services | |||
| Cashier's Check Payable to a Third Party | $5 | per item | None |
| Exchange Share Check for Cashier's Check | $10 | per item | None |
| Money Order | $3 | per item | None |
| Block Stop Payment - Series of Checks | $35 | Not stated | None |
| Stop Payment | $30 | per item | None |
| Check Cashing Fee (Members) | $5 | per item | None |
| Check Cashing Fee (Non-Members) | $10 | per item | None |
| Check Copy/Statement | $5 | per item | None |
Cash & Deposit | |||
| Deposit Return Item | $30 | per item | None |
Account Services | |||
| Safe Deposit Box (10 X 10) | $95 | per year | None |
| Safe Deposit Box (2 X 5) | $20 | per year | None |
| Safe Deposit Box (3 X 10) | $40 | per year | None |
| Safe Deposit Box (3 X 5) | $25 | per year | None |
| Safe Deposit Box (5 X 10) | $60 | per year | None |
| Safe Deposit Box (5 X 5) | $35 | per year | None |
| Safe Deposit Box (Drilling) | $150Not compared: Box drilling or key fee | per item | None |
| Deposit Verifications | $5 | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $4 | per item | None |
Oct 17, 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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