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

Vocal Federal Credit Union

Helena, MontanaCredit UnionMinneapolis Fed districtFees collected Oct 5, 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 balancing assistance$15Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=account_research; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Account balancing assistance | $15.00 per hour" · Source

Inactive Account Charge (per quarter after 12 months of inactivity)$25

$20 above the national median

Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=dormant_account; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Inactive Account Charge (per quarter after 12 months of inactivity) | $25.00" · Source

Overdraft & NSFVerified

Courtesy Pay Fee$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=overdraft; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Courtesy Pay Fee | $30.00 per item" · Source
Non-Sufficient Funds (NSF) Returned Item Fee$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=nsf; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Non-Sufficient Funds (NSF) Returned Item Fee | $30.00" · Source

ATM & CardVerified

Rush Order on Plastic cards$35Within the typical range ($30–$50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=rush_card; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Rush Order on Plastic cards | $35.00" · Source

Check ServicesVerified

Counter Check$1Within the typical range ($1–$4 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=counter_check; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Counter Check | $1.00 per check. Checks issued in increments of 4" · Source
Draft Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=check_image; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Draft Copy | $5.00" · Source
Stop Payment (single or series)$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=stop_payment; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Stop Payment (single or series) | $30.00" · Source

Account ServicesVerified

Levy$75Within the typical range ($30–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=garnishment_levy; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Levy | $75.00" · Source
Mortgage Subordination$100Within the typical range ($30–$125 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=legal_process; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Mortgage Subordination | $100.00 plus recording fees" · Source
Notary Service$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=notary_fee; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Notary Service | $5.00 per signature for non-members" · Source

Retirement & IRAVerified

IRA Annual Maintenance Fee$10Within the typical range ($10–$25 nationally)
$5 below the national median
per year · Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=ira_administration; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="IRA Annual Maintenance Fee | $10.00" · Source
IRA Transfer Fee$25Within the typical range ($25–$35 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=ira_termination; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="IRA Transfer Fee | $25.00" · Source

Other FeesVerified

Photocopies$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=document_reproduction; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Photocopies | $1.00 per page" · Source
Statement Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=document_reproduction; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Statement Copy | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account balancing assistance	$15Below the typical range ($17.50–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=account_research; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Account balancing assistance \| $15.00 per hour"	Source
Inactive Account Charge (per quarter after 12 months of inactivity)	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=dormant_account; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Inactive Account Charge (per quarter after 12 months of inactivity) \| $25.00"	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=overdraft; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Courtesy Pay Fee \| $30.00 per item"	Source
Non-Sufficient Funds (NSF) Returned Item Fee
ATM & CardVerified
Rush Order on Plastic cards	$35Within the typical range ($30–$50 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=rush_card; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Rush Order on Plastic cards \| $35.00"	Source
Check ServicesVerified
Counter Check	$1Within the typical range ($1–$4 nationally)	$1 below the national median	per item	Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=counter_check; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Counter Check \| $1.00 per check. Checks issued in increments of 4"	Source
Draft Copy
Account ServicesVerified
Levy	$75Within the typical range ($30–$75 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=garnishment_levy; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Levy \| $75.00"	Source
Mortgage Subordination	$100
Retirement & IRAVerified
IRA Annual Maintenance Fee	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per year	Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=ira_administration; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="IRA Annual Maintenance Fee \| $10.00"	Source
IRA Transfer Fee
Other FeesVerified
Photocopies	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #2074. canonical_hint=document_reproduction; text_hash=f989f54df66fa6b97831b8a050be16acd1f1eea5d3885fe92ae1a01ddfb27909; excerpt="Photocopies \| $1.00 per page"	Source
Statement Copy	$5

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 15 — leaner than most institutions

Headline fees published

3 of 15

Published fees

Under review

Assets

$52.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$52.6M

Total deposits

$45.2M

Service charge income (year to date)

$218K

Fee income ratio

12.5%

Return on assets

1.16%

Financial profile · Pro

Performance from regulator filings

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

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Based on 27,539 verified fees from 2,277 institutions

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