United Consumers Federal Credit Union

Headquarters: Independence, Missouri
Charter: Credit Union
Assets: $217.2M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

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

Overdraft (OD)
United Consumers Federal Credit Union: $30
United Consumers Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
United Consumers Federal Credit Union: $30
United Consumers Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $5, the middle of its prices
United Consumers Federal Credit Union: $1.25 to $5
United Consumers Federal Credit Union: $1.25 to $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

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.

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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 United Consumers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Classic Money Market Account (balance below $1,000)$3
per month
Preferred Money Market Account (balance below $2,500)$5
per month
Preferred Share Checking (balance below $1,000)$5
per month
Closing Account (less than or equal to 90 days of opening account date)$5
Inactive/Dormant Accounts$5
per month
Account Research$50
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail$5
per month

Overdraft & NSF

Overdraft Fee$30
Overdraft Privilege$30
per item
Paid Non-Sufficient Funds$30
per item
CU Anywhere (Non-Sufficient Funds)$30
per item
CU Pay (Home Banking Bill Pay) Non-Sufficient Funds$30
per item
MAC 24 Bank by Phone (Non-Sufficient Funds)$30
per item
Mobile Banking (Non-Sufficient Funds)$30
per item
Non-Sufficient Funds Pre-Authorized ACH$30
per item
NSF Fee$30
Overdraft Transfer from another deposit account (greater than 6 each month)$30
per item
Overdraft Transfer from another deposit account (less than or equal to 6 each month)$5
per item

ATM & Card

Competitive dividends Youth certificates available Free digital banking & ATM card$5
Foreign ATM Transaction (Not at UCCU or Co-Op ATM)$1.25
per item
Full UCCU membership 3 free withdrawals p/month Free digital banking & ATM card$5
ATM/Debit Card Replacement$10
per item

Wire Transfers

Wire Out - Domestic$20
per item
Wire In - DomesticNo charge
Wire Out - International$50
per item

Check Services

Cashier's Check Payable to a Third Party$5
per item
Exchange Share Check for Cashier's Check$10
per item
Money Order$3
per item
Block Stop Payment - Series of Checks$35
Stop Payment$30
per item
Check Cashing Fee (Members)$5
per item
Check Cashing Fee (Non-Members)$10
per item
Check Copy/Statement$5
per item

Cash & Deposit

Deposit Return Item$30
per item

Account Services

Safe Deposit Box (10 X 10)$95
per year
Safe Deposit Box (2 X 5)$20
per year
Safe Deposit Box (3 X 10)$40
per year
Safe Deposit Box (3 X 5)$25
per year
Safe Deposit Box (5 X 10)$60
per year
Safe Deposit Box (5 X 5)$35
per year
Safe Deposit Box (Drilling)$150
Not compared: Box drilling or key fee
per item
Deposit Verifications$5
per item

Gift & Prepaid Cards

Visa Gift Card$4
per item

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

Correct a fee source

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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