15 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 11, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Smw Financial Federal Credit Union · $87M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Smw Financial Federal Credit Union(this institution) | Lino Lakes, MN | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dc Federal Credit Union | Washington, DC | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Domino Federal Credit Union | Texarkana, TX | $87M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firefighters Federal Credit Union | Indianapolis, IN | $88M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Education Federal Credit Union | Cheyenne, WY | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Front Royal Federal Credit Union | Front Royal, VA | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lampco Federal Credit Union | Anderson, IN | $90M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| My Pensacola Federal Credit Union | Pensacola, FL | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Power Co-Op Employees Federal Credit Union | Humboldt, IA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Public Service #3 Federal Credit Union | Fort Wayne, IN | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pwc Employees Federal Credit Union | Woodbridge, VA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Radius Federal Credit Union | Kenmore, NY | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ravalli County Federal Credit Union | Hamilton, MT | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Riverbank Federal Credit Union | Windsor Locks, CT | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Snocope Federal Credit Union | Everett, WA | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southland Federal Credit Union | Lufkin, TX | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Research Center Federal Credit Union | San Antonio, TX | $88M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Spokane Firefighters Federal Credit Union | Spokane, WA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Susquehanna Valley Federal Credit Union | Camp Hill, PA | $87M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| T M H Federal Credit Union | Tallahassee, FL | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Taylor Federal Credit Union | Medford, WI | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Credit Union For All | Bloomington, IL | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U. S. Employees Federal Credit Union | Tomball, TX | $86M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Building Trades Federal Credit Union | Parsippany, NJ | $86M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Volt Federal Credit Union | Springfield, MO | $86M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wexford Community Federal Credit Union | Cadillac, MI | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $3.75 among 8 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 28, 2026.
Monthly maintenance fee in dollars, one mark per institution
Smw Financial Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 28, 2026. Total assets from FDIC and NCUA records.
Amounts from Smw Financial Federal Credit Union’s own schedules, with a source for each figure.
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
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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