Intrepid Federal Credit Union

Headquarters: Helena, Montana
Charter: Credit Union
Assets: $310.8M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 9, 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)
Intrepid Federal Credit Union: $28
Intrepid Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Intrepid Federal Credit Union: $28
Intrepid Federal Credit Union: $28
U.S. median: no median
Non-Network ATM
Intrepid Federal Credit Union: $1
Intrepid Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 Intrepid Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure Fee (open < 90 days)$20
Inactive Account$5
per item
Return Mail Fee (no forwarding) (audience not stated, treated as personal)$5

Overdraft & NSF

ATM Withdrawal Overdraft$28
per item
Overdraft fee$28
per item
Overdraft Non-Sufficient Funds/NSF$28
per item
Overdraft Privilege$28
per item
Non-Sufficient Funds/NSF$28
per item

ATM & Card

Foreign ATM (out-of-network transaction)$1
per item
ATM/Debit Card Replacement$10
per item
ATM/Debit Card or PIN Rush Order$50
per item

Check Services

Stop Payment$28
per item
Counter Draft (check) (limit 8per month) (audience not stated, treated as personal)$1
per item
Non-Member Check Cashing$5
per item
Copies of a canceled draft (check)$2
per item

Digital & Electronic

Intrepid Originated ACH Items Returned NSF$28
Online Bill PayNo charge

Cash & Deposit

Deposit Item Return$28
per item
Night DepositoryNo charge

Account Services

Notary Service for membersNo charge
Notary Service for non-members$5
per item
Levy/Garnishment Execution$75
per item

Retirement & IRA

IRA Maintenance$10
per year
Direct IRA Transfer$20
per item

Other Fees

Photocopies$0.10
per item
Skip-a-payment$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee (open < 90 days)	$20	Not stated	None
Inactive Account	$5	per item	None
Return Mail Fee (no forwarding) (audience not stated, treated as personal)	$5	Not stated	None
Overdraft & NSF
ATM Withdrawal Overdraft	$28	per item	None
Overdraft fee	$28	per item	None
Overdraft Non-Sufficient Funds/NSF	$28	per item	None
Overdraft Privilege	$28	per item	None
Non-Sufficient Funds/NSF	$28	per item	None
ATM & Card
Foreign ATM (out-of-network transaction)	$1	per item	None
ATM/Debit Card Replacement	$10	per item	None
ATM/Debit Card or PIN Rush Order	$50	per item	None
Check Services
Stop Payment	$28	per item	None
Counter Draft (check) (limit 8per month) (audience not stated, treated as personal)	$1	per item	None
Non-Member Check Cashing	$5	per item	None
Copies of a canceled draft (check)	$2	per item	None
Digital & Electronic
Intrepid Originated ACH Items Returned NSF	$28	Not stated	None
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposit Item Return	$28	per item	None
Night Depository	No charge	Not stated	None
Account Services
Notary Service for members	No charge	Not stated	None
Notary Service for non-members	$5	per item	None
Levy/Garnishment Execution	$75	per item	None
Retirement & IRA
IRA Maintenance	$10	per year	None
Direct IRA Transfer	$20	per item	None
Other Fees
Photocopies	$0.10	per item	None
Skip-a-payment	$20	per item	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 9, 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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