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, under $300M

Smw Financial Federal Credit Union

Lino Lakes, MinnesotaCredit UnionMinneapolis Fed districtFees collected Mar 17, 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 Research & Reconciliation$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay$35Above the typical range ($25–$32 nationally)
$5 above the national median
Source
Garnishment / Levy Maintenance Returned Item Fee (RDI)$25Within the typical range ($25–$31 nationally)
$5 below the national median
Source

ATM & CardVerified

monthly ATM / debit cash withdrawals)$2Within the typical range ($1–$2.50 nationally)
$0.37 above the national median
per month · Source
Replacement of Debit Card$15Above the typical range ($5–$10 nationally)
$5 above the national median
Source

Check ServicesVerified

ACH Stop Payment$30Within the typical range ($20–$30 nationally)
$5 above the national median
Source
Bank Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Cashiers Check$3Within the typical range ($3–$5 nationally)
$2 below the national median
Source
Check Photocopies / Inquiries$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Money Orders$2Within the typical range ($1.50–$3 nationally)
At the national median
Source

Account ServicesVerified

10 x 10$110Above the typical range ($25–$80 nationally)
$65 above the national median
Source
5 x 10$60Within the typical range ($25–$80 nationally)
$15 above the national median
Source
5 x 5$35Within the typical range ($25–$80 nationally)
$10 below the national median
Source
Deposit Lost Key$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source
Safe Deposit Drilling Fee$225Above the typical range ($25–$80 nationally)
$180 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research & Reconciliation	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Paper Statement Processing Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay	$35Above the typical range ($25–$32 nationally)	$5 above the national median	—	—	Source
Garnishment / Levy Maintenance Returned Item Fee (RDI)	$25
ATM & CardVerified
monthly ATM / debit cash withdrawals)	$2Within the typical range ($1–$2.50 nationally)	$0.37 above the national median	per month	—	Source
Replacement of Debit Card	$15
Check ServicesVerified
ACH Stop Payment	$30Within the typical range ($20–$30 nationally)	$5 above the national median	—	—	Source
Bank Check Copy	$5
Digital & ElectronicVerified
Bill Pay Free Direct Deposit	$0Within the typical range ($0–$10.15 nationally)	$4.95 below the national median	—	—	Source
Account ServicesVerified
10 x 10	$110Above the typical range ($25–$80 nationally)	$65 above the national median	—	—	Source
5 x 10	$60
Mortgage ServicingVerified
per month Duplicate Lien Release	$15Within the typical range ($8.75–$23.25 nationally)	$5 above the national median	per month	—	Source
Retirement & IRAVerified
IRA Transfer Out Expense	$60Above the typical range ($25–$35 nationally)	$35 above the national median	—	—	Source

Fee change alerts

Get an email when Smw Financial Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Smw Financial Federal Credit Union? Benchmark it against peers, free

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 19 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$87.5M

Work at Smw Financial Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$87.5M

Total deposits

$77.6M

Service charge income (year to date)

$172K

Fee income ratio

7.4%

Return on assets

0.44%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 32,718 verified fees from 2,439 institutions

See pricing