Smw Financial Federal Credit Union

Headquarters: Lino Lakes, Minnesota
Charter: Credit Union
Assets: $87.5M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Overdraft (OD)
Smw Financial Federal Credit Union: $35
Smw Financial Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Smw Financial Federal Credit Union: $25
Smw Financial Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Smw Financial Federal Credit Union: $2
Smw Financial Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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 Smw Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Research & Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Processing Fee$2
per month
Return Mail Fee$15

Overdraft & NSF

Courtesy Pay$35
Garnishment / Levy Maintenance Returned Item Fee (RDI)$25

ATM & Card

Monthly ATM / debit cash withdrawals$2
per item
Replacement of Debit Card$15

Wire Transfers

Wire Transfer In USA (domestic)$25

Check Services

Cashiers Check$3
Money Orders$2
ACH Stop Payment$30
Bank Check Copy$5
Check Photocopies / Inquiries$2

Digital & Electronic

Bill Pay Free Direct DepositNo charge

Cash & Deposit

Coin Counting Members (audience not stated, treated as personal)5%

Account Services

Deposit Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$110
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$60
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$35
Safe Deposit Drilling Fee$225
Not compared: Box drilling or key fee

Retirement & IRA

IRA Transfer Out Expense$60

Other Fees

Credit Card Loan Payment by Phone$9.95
Other Lending Fee$15
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Account Research & Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Processing Fee	$2	per month	None
Return Mail Fee	$15	Not stated	None
Overdraft & NSF
Courtesy Pay	$35	Not stated	None
Garnishment / Levy Maintenance Returned Item Fee (RDI)	$25	Not stated	None
ATM & Card
Monthly ATM / debit cash withdrawals	$2	per item	None
Replacement of Debit Card	$15	Not stated	None
Wire Transfers
Wire Transfer In USA (domestic)	$25	Not stated	None
Check Services
Cashiers Check	$3	Not stated	None
Money Orders	$2	Not stated	None
ACH Stop Payment	$30	Not stated	None
Bank Check Copy	$5	Not stated	None
Check Photocopies / Inquiries	$2	Not stated	None
Digital & Electronic
Bill Pay Free Direct Deposit	No charge	Not stated	None
Cash & Deposit
Coin Counting Members (audience not stated, treated as personal)	5%	Not stated	None
Account Services
Deposit Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$110	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$60Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Drilling Fee	$225Not compared: Box drilling or key fee	Not stated	None
Retirement & IRA
IRA Transfer Out Expense	$60	Not stated	None
Other Fees
Credit Card Loan Payment by Phone	$9.95	Not stated	None
Other Lending Fee	$15Not compared: Monthly charge, not per item	per month	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 11, 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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