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, $300M to $1B

Intrepid Federal Credit Union

Helena, MontanaCredit UnionMinneapolis Fed districtFees collected Oct 3, 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

Account Closure Fee (open < 90 days)$20Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

each Overdraft Privilege …………………………………….……$28Within the typical range ($25–$33 nationally)
$2 below the national median$2 below the Montana median
per item · Source
Non-Sufficient Funds/NSF$28Within the typical range ($25–$32 nationally)
$2 below the national median$3 above the Montana median
per item · Source

ATM & CardVerified

Foreign ATM (out-of-network transaction) ċċ..ċċċċ$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$1 below the Montana median
per item · Source
ATM/Debit Card Replacement ċċċċ$10Within the typical range ($5–$10 nationally)
At the national medianAt the Montana median
per item · Source
ATM/Debit Card or PIN Rush Orderċ.ċċċ$50Within the typical range ($30–$50 nationally)
$10 above the national median$4 below the Montana median
per item · Source

Check ServicesVerified

Stop Payment$28Within the typical range ($20–$30 nationally)
$0.50 above the national median$3 above the Montana median
per item · Source
Non-Member Check Cashing ċċċċċċ ċċċ$5Within the typical range ($5–$10 nationally)
At the national median$8.25 below the Montana median
per item · Source
Copies $Ć.Ā0 each Counter Draft (check) (limit 8per month)$1Below the typical range ($2–$5 nationally)
$2 below the national median$2 below the Montana median
per item · Source
Copies of a canceled draft (check)$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the Montana median
per item · Source

Cash & DepositVerified

Deposit Item Return$28Above the typical range ($8–$25 nationally)
$13 above the national median$18 above the Montana median
per item · Source
Deposit Item Return ……………………………….……….$28Above the typical range ($8–$25 nationally)
$13 above the national median$18 above the Montana median
per item · Source
Night Depository ċċ.$0Below the typical range ($5–$20 nationally)
$10 below the national median
Source

Account ServicesVerified

Notary Service for members .. . ċċ.$0Within the typical range ($0–$5 nationally)
$2.50 below the national median$2.25 below the Montana median
Source
Notary Service for non-members ċċċċ$5Within the typical range ($0–$5 nationally)
$2.50 above the national median$2.75 above the Montana median
per item · Source
Levy/Garnishment Execution ċċċċċċ ċċċċċċċċċċ$75Within the typical range ($30–$87.50 nationally)
$25 above the national medianAt the Montana median
per item · Source

Other FeesVerified

each | Photocopies …………………………………ċ……ċċċċċ…ċċċċċ$0.10Below the typical range ($2–$5 nationally)
$2.90 below the national median$2.21 below the Montana median
per item · Source
Statement Copies $Ć.Ā0 each Counter Draft (check)$1Below the typical range ($2–$5 nationally)
$2 below the national median$1.31 below the Montana median
per item · Source
Skip-a-payment .. ċċċ .ċċċ$20Below the typical range ($25–$100 nationally)
$17.50 below the national median$10 below the Montana median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Closure Fee (open < 90 days)	$20Within the typical range ($10–$25 nationally)	$2.50 above the national median$5 above the Montana median	—	—	Source
Inactive Account (after āĂ monthsof inactivity) ċċċċċ	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Montana median	per item	—	Source
ĥpage Return Mail Fee (no forwarding) ċċċċċċċ ċċ	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$12.50 below the Montana median	—	—	Source
Overdraft & NSFVerified
each Overdraft Privilege …………………………………….……	$28Within the typical range ($25–$33 nationally)	$2 below the national median$2 below the Montana median	per item	—	Source
Non-Sufficient Funds/NSF	$28
ATM & CardVerified
Foreign ATM (out-of-network transaction) ċċ..ċċċċ	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$1 below the Montana median	per item	—	Source
ATM/Debit Card Replacement ċċċċ	$10
Check ServicesVerified
Stop Payment	$28Within the typical range ($20–$30 nationally)	$0.50 above the national median$3 above the Montana median	per item	—	Source
Non-Member Check Cashing ċċċċċċ ċċċ	$5
Digital & ElectronicVerified
Intrepid Originated ACH Items Returned NSFċ ċċċċ	$28Within the typical range ($15–$30 nationally)	$3 above the national median	—	—	Source
Online Bill Pay ċċ	$0
Cash & DepositVerified
Deposit Item Return	$28Above the typical range ($8–$25 nationally)	$13 above the national median$18 above the Montana median	per item	—	Source
Deposit Item Return ……………………………….……….	$28
Account ServicesVerified
Notary Service for members .. . ċċ.	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median$2.25 below the Montana median	—	—	Source
Notary Service for non-members ċċċċ	$5
Retirement & IRAVerified
IRA Maintenance	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per year	—	Source
Direct IRA Transfer .. .	$20
Other FeesVerified
each \| Photocopies …………………………………ċ……ċċċċċ…ċċċċċ	$0.10Below the typical range ($2–$5 nationally)	$2.90 below the national median$2.21 below the Montana median	per item	—	Source
Statement Copies $Ć.Ā0 each Counter Draft (check)	$1

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$310.8M

Total deposits

$268.6M

Service charge income (year to date)

$1.8M

Fee income ratio

18.6%

Return on assets

0.68%

Financial profile · Pro

Performance from regulator filings

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Intrepid Federal Credit Union

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