Southpoint Financial Federal Credit Union

Headquarters: Sleepy Eye, Minnesota
Charter: Credit Union
Assets: $608.9M
Fed district: Minneapolis

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $20, its standard fee, the highest of its prices
Southpoint Financial Federal Credit Union: $15 to $20
Southpoint Financial Federal Credit Union: $15 to $20
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
Southpoint Financial Federal Credit Union: $15 to $30
Southpoint Financial Federal Credit Union: $15 to $30
U.S. median: no median
Stop Payment
Southpoint Financial Federal Credit Union: $20
Southpoint Financial Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, 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).
Minnesota: Banks and credit unions headquartered in Minnesota 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 Southpoint Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (audience not stated, treated as personal)$15
Not compared: Quarterly charge, not monthly
per quarter
Dormant Fee$15
Not compared: Quarterly charge, not monthly
per quarter
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement$5
per month

Overdraft & NSF

EzMoney Non-Sufficient Funds/Overdraft Fee$15
per item
Non-Sufficient Funds/Overdraft Fee$20
per item
EzMoney Non-Sufficient Funds/Overdraft Fee$15
per item
Non-Sufficient Funds/Overdraft Fee$20
per item
Returned Item -$30

ATM & Card

Debit Card Replacement$15

Check Services

Stop Payment Order$20
Non-Member Check Cashing$10
per item
Check Copies with Mailed Statement$5
Not compared: Monthly charge, not per item
per month
Printed Items/Photo Copies (includes Statements & Check Copies)$5
per item

Cash & Deposit

Foreign Fee: Returned Item$30
Returned Deposited Check - in branch or mobile$10
per item

Account Services

Notary FeeNo charge
Levy Fee$100

Gift & Prepaid Cards

Visa Gift Cards$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (audience not stated, treated as personal)	$15Not compared: Quarterly charge, not monthly	per quarter	None
Dormant Fee	$15Not compared: Quarterly charge, not monthly	per quarter	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement	$5	per month	None
Overdraft & NSF
EzMoney Non-Sufficient Funds/Overdraft Fee	$15	per item	None
Non-Sufficient Funds/Overdraft Fee	$20	per item	None
EzMoney Non-Sufficient Funds/Overdraft Fee	$15	per item	None
Non-Sufficient Funds/Overdraft Fee	$20	per item	None
Returned Item -	$30	Not stated	None
ATM & Card
Debit Card Replacement	$15	Not stated	None
Check Services
Stop Payment Order	$20	Not stated	None
Non-Member Check Cashing	$10	per item	None
Check Copies with Mailed Statement	$5Not compared: Monthly charge, not per item	per month	None
Printed Items/Photo Copies (includes Statements & Check Copies)	$5	per item	None
Cash & Deposit
Foreign Fee: Returned Item	$30	Not stated	None
Returned Deposited Check - in branch or mobile	$10	per item	None
Account Services
Notary Fee	No charge	Not stated	None
Levy Fee	$100	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$3	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

Nov 3, 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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