Community 1St Federal Credit Union

Headquarters: Ottumwa, Iowa
Charter: Credit Union
Assets: $1.1B
Fed district: Chicago

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

Source: its fee schedule, read Oct 19, 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)
Community 1St Federal Credit Union: $30
Community 1St Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Community 1St Federal Credit Union: $30
Community 1St Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Community 1St Federal Credit Union: $1
Community 1St 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 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Community 1St Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee - ClubGO Savings$15
Not compared: Quarterly charge, not monthly
per quarter
Minimum Balance Fee - Money Market$15
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement Fee$1.50
Returned Mail Fee$5
per month

Overdraft & NSF

Overdraft Fee (applies to items paid)$30
Non Sufficient Funds Fee/NSF Fee (applies to items returned unpaid)$30
Overdraft Transfer from Savings Account$5
Not compared: Daily charge, not per item
per day

ATM & Card

ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month)$1
per item
Debit Card Replacement$10

Check Services

Cashiers Check Made Payable to 3rd Party (without checking relationship)$5
Stop Payment$29
Temporary Checks$3
Check Cashing Fee (without checking relationship)$5

Digital & Electronic

ACH Origination Transfer Fee$2

Cash & Deposit

Returned Deposited Check Fee$5

Account Services

Safe Deposit Box - 10x10 Box Rental$60
per year
Safe Deposit Box - 3x10 Box Rental$25
per year
Safe Deposit Box - 3x5 Box Rental$15
per year
Safe Deposit Box - 5x10 Box Rental$30
per year
Safe Deposit Box - 5x5 Box Rental$20
per year
Safe Deposit Box - Lost Key or Drilling$100
Not compared: Box drilling or key fee
Garnishments/Levy$35
Lien Subordination Fee$150

Gift & Prepaid Cards

VISA Gift Card$3.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee - ClubGO Savings	$15Not compared: Quarterly charge, not monthly	per quarter	None
Minimum Balance Fee - Money Market	$15	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement Fee	$1.50	Not stated	None
Returned Mail Fee	$5	per month	None
Overdraft & NSF
Overdraft Fee (applies to items paid)	$30	Not stated	None
Non Sufficient Funds Fee/NSF Fee (applies to items returned unpaid)	$30	Not stated	None
Overdraft Transfer from Savings Account	$5Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month)	$1	per item	None
Debit Card Replacement	$10	Not stated	None
Check Services
Cashiers Check Made Payable to 3rd Party (without checking relationship)	$5	Not stated	None
Stop Payment	$29	Not stated	None
Temporary Checks	$3	Not stated	None
Check Cashing Fee (without checking relationship)	$5	Not stated	None
Digital & Electronic
ACH Origination Transfer Fee	$2	Not stated	None
Cash & Deposit
Returned Deposited Check Fee	$5	Not stated	None
Account Services
Safe Deposit Box - 10x10 Box Rental	$60	per year	None
Safe Deposit Box - 3x10 Box Rental	$25	per year	None
Safe Deposit Box - 3x5 Box Rental	$15	per year	None
Safe Deposit Box - 5x10 Box Rental	$30	per year	None
Safe Deposit Box - 5x5 Box Rental	$20	per year	None
Safe Deposit Box - Lost Key or Drilling	$100Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levy	$35	Not stated	None
Lien Subordination Fee	$150	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3.50	per item	None

Account Maintenance

Minimum Balance Fee – Money Market$15
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $30.00 per hour*
Excessive Withdrawals - Money Market Account (Excess of six per calendar month.)$7
Not compared: Monthly charge, not per item
per month
Returned Mail Fee$5
per month

Overdraft & NSF

Overdraft Transfer from Savings Account$5
Not compared: Daily charge, not per item
per day

ATM & Card

ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month)$1
per item
Debit Card Replacement$10

Wire Transfers

Wire Transfer - Outbound Domestic$20

Check Services

Stop Payment$29
Temporary Checks$3

Digital & Electronic

ACH File Origination$5
ACH Per Item Returned Fee$5
per item

Cash & Deposit

Coin Processing1%
Returned Deposited Check Fee$5

Account Services

Safe Deposit Box - 10x10 Box Rental$60
per year
Safe Deposit Box - 3x10 Box Rental$25
per year
Safe Deposit Box - 3x5 Box Rental$15
per year
Safe Deposit Box - 5x10 Box Rental$30
per year
Safe Deposit Box - 5x5 Box Rental$20
per year
Safe Deposit Box - Lost Key or Drilling$100
Not compared: Box drilling or key fee
Garnishments/Levy$35
Lien Subordination Fee$150

Gift & Prepaid Cards

VISA Gift Card$3.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee – Money Market	$15	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $30.00 per hour*
Excessive Withdrawals - Money Market Account (Excess of six per calendar month.)	$7Not compared: Monthly charge, not per item	per month	None
Returned Mail Fee	$5	per month	None
Overdraft & NSF
Overdraft Transfer from Savings Account	$5Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month)	$1	per item	None
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer - Outbound Domestic	$20	Not stated	None
Check Services
Stop Payment	$29	Not stated	None
Temporary Checks	$3	Not stated	None
Digital & Electronic
ACH File Origination	$5	Not stated	None
ACH Per Item Returned Fee	$5	per item	None
Cash & Deposit
Coin Processing	1%	Not stated	None
Returned Deposited Check Fee	$5	Not stated	None
Account Services
Safe Deposit Box - 10x10 Box Rental	$60	per year	None
Safe Deposit Box - 3x10 Box Rental	$25	per year	None
Safe Deposit Box - 3x5 Box Rental	$15	per year	None
Safe Deposit Box - 5x10 Box Rental	$30	per year	None
Safe Deposit Box - 5x5 Box Rental	$20	per year	None
Safe Deposit Box - Lost Key or Drilling	$100Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levy	$35	Not stated	None
Lien Subordination Fee	$150	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3.50	per item	None

Correct a fee source

Oct 19, 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 Community 1St Federal Credit Union's safe deposit box changes in our data

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Fees against the market

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

Overdraft (OD)
Community 1St Federal Credit Union: $30
Community 1St Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Community 1St Federal Credit Union: $30
Community 1St Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Community 1St Federal Credit Union: $1
Community 1St 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 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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.

Published fee schedule

Amounts from Community 1St Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee - ClubGO Savings$15
Not compared: Quarterly charge, not monthly
per quarter
Minimum Balance Fee - Money Market$15
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement Fee$1.50
Returned Mail Fee$5
per month

Overdraft & NSF

Overdraft Fee (applies to items paid)$30
Non Sufficient Funds Fee/NSF Fee (applies to items returned unpaid)$30
Overdraft Transfer from Savings Account$5
Not compared: Daily charge, not per item
per day

ATM & Card

ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month)$1
per item
Debit Card Replacement$10

Check Services

Cashiers Check Made Payable to 3rd Party (without checking relationship)$5
Stop Payment$29
Temporary Checks$3
Check Cashing Fee (without checking relationship)$5

Digital & Electronic

ACH Origination Transfer Fee$2

Cash & Deposit

Returned Deposited Check Fee$5

Account Services

Safe Deposit Box - 10x10 Box Rental$60
per year
Safe Deposit Box - 3x10 Box Rental$25
per year
Safe Deposit Box - 3x5 Box Rental$15
per year
Safe Deposit Box - 5x10 Box Rental$30
per year
Safe Deposit Box - 5x5 Box Rental$20
per year
Safe Deposit Box - Lost Key or Drilling$100
Not compared: Box drilling or key fee
Garnishments/Levy$35
Lien Subordination Fee$150

Gift & Prepaid Cards

VISA Gift Card$3.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee - ClubGO Savings	$15Not compared: Quarterly charge, not monthly	per quarter	None
Minimum Balance Fee - Money Market	$15	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement Fee	$1.50	Not stated	None
Returned Mail Fee	$5	per month	None
Overdraft & NSF
Overdraft Fee (applies to items paid)	$30	Not stated	None
Non Sufficient Funds Fee/NSF Fee (applies to items returned unpaid)	$30	Not stated	None
Overdraft Transfer from Savings Account	$5Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month)	$1	per item	None
Debit Card Replacement	$10	Not stated	None
Check Services
Cashiers Check Made Payable to 3rd Party (without checking relationship)	$5	Not stated	None
Stop Payment	$29	Not stated	None
Temporary Checks	$3	Not stated	None
Check Cashing Fee (without checking relationship)	$5	Not stated	None
Digital & Electronic
ACH Origination Transfer Fee	$2	Not stated	None
Cash & Deposit
Returned Deposited Check Fee	$5	Not stated	None
Account Services
Safe Deposit Box - 10x10 Box Rental	$60	per year	None
Safe Deposit Box - 3x10 Box Rental	$25	per year	None
Safe Deposit Box - 3x5 Box Rental	$15	per year	None
Safe Deposit Box - 5x10 Box Rental	$30	per year	None
Safe Deposit Box - 5x5 Box Rental	$20	per year	None
Safe Deposit Box - Lost Key or Drilling	$100Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levy	$35	Not stated	None
Lien Subordination Fee	$150	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3.50	per item	None

Account Maintenance

Minimum Balance Fee – Money Market$15
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $30.00 per hour*
Excessive Withdrawals - Money Market Account (Excess of six per calendar month.)$7
Not compared: Monthly charge, not per item
per month
Returned Mail Fee$5
per month

Overdraft & NSF

Overdraft Transfer from Savings Account$5
Not compared: Daily charge, not per item
per day

ATM & Card

ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month)$1
per item
Debit Card Replacement$10

Wire Transfers

Wire Transfer - Outbound Domestic$20

Check Services

Stop Payment$29
Temporary Checks$3

Digital & Electronic

ACH File Origination$5
ACH Per Item Returned Fee$5
per item

Cash & Deposit

Coin Processing1%
Returned Deposited Check Fee$5

Account Services

Safe Deposit Box - 10x10 Box Rental$60
per year
Safe Deposit Box - 3x10 Box Rental$25
per year
Safe Deposit Box - 3x5 Box Rental$15
per year
Safe Deposit Box - 5x10 Box Rental$30
per year
Safe Deposit Box - 5x5 Box Rental$20
per year
Safe Deposit Box - Lost Key or Drilling$100
Not compared: Box drilling or key fee
Garnishments/Levy$35
Lien Subordination Fee$150

Gift & Prepaid Cards

VISA Gift Card$3.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee – Money Market	$15	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $30.00 per hour*
Excessive Withdrawals - Money Market Account (Excess of six per calendar month.)	$7Not compared: Monthly charge, not per item	per month	None
Returned Mail Fee	$5	per month	None
Overdraft & NSF
Overdraft Transfer from Savings Account	$5Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month)	$1	per item	None
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer - Outbound Domestic	$20	Not stated	None
Check Services
Stop Payment	$29	Not stated	None
Temporary Checks	$3	Not stated	None
Digital & Electronic
ACH File Origination	$5	Not stated	None
ACH Per Item Returned Fee	$5	per item	None
Cash & Deposit
Coin Processing	1%	Not stated	None
Returned Deposited Check Fee	$5	Not stated	None
Account Services
Safe Deposit Box - 10x10 Box Rental	$60	per year	None
Safe Deposit Box - 3x10 Box Rental	$25	per year	None
Safe Deposit Box - 3x5 Box Rental	$15	per year	None
Safe Deposit Box - 5x10 Box Rental	$30	per year	None
Safe Deposit Box - 5x5 Box Rental	$20	per year	None
Safe Deposit Box - Lost Key or Drilling	$100Not compared: Box drilling or key fee	Not stated	None
Garnishments/Levy	$35	Not stated	None
Lien Subordination Fee	$150	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3.50	per item	None

Correct a fee source

Oct 19, 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.