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

Inactive Account Charge (per quarter after 12 months of inactivity)$25Above the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$30Within the typical range ($25–$33 nationally)
At the national medianAt the Montana median
per item · Source
Non-Sufficient Funds (NSF) Returned Item Fee$30Within the typical range ($25–$32 nationally)
At the national median$5 above the Montana median
Source

Check ServicesVerified

Stop Payment (single or series)$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$5 above the Montana median
Source
Counter Check$1Within the typical range ($1–$4 nationally)
$1 below the national medianAt the Montana median
per item · Source
Draft Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Montana median
Source

Account ServicesVerified

Notary Service$5Within the typical range ($0–$5 nationally)
$2.50 above the national median$2.75 above the Montana median
per item · Source
Levy$75Within the typical range ($30–$90 nationally)
$25 above the national medianAt the Montana median
Source

Retirement & IRAVerified

IRA Annual Maintenance Fee$10Within the typical range ($10–$25 nationally)
$5 below the national median
per year · Source
IRA Transfer Fee$25Within the typical range ($25–$35 nationally)
At the national medianAt the Montana median
Source

Other FeesVerified

Photocopies$1Below the typical range ($2–$5 nationally)
$2 below the national median$1.31 below the Montana median
per item · Source
Statement Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median$2.69 above the Montana median
Source
Mortgage Subordination$100Within the typical range ($25–$100 nationally)
$62.50 above the national median$70 above the Montana median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Inactive Account Charge (per quarter after 12 months of inactivity)	$25Above the typical range ($5–$10 nationally)	$20 above the national median$20 above the Montana median	per quarter	—	Source
Account balancing assistance	$15Within the typical range ($12–$25 nationally)	$2.50 below the national median$2.50 below the Montana median	—	—	Source
Return Mail	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$12.50 below the Montana median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Montana median	per item	—	Source
Non-Sufficient Funds (NSF) Returned Item Fee	$30
ATM & CardVerified
Rush Order on Plastic cards	$35Within the typical range ($30–$50 nationally)	$5 below the national median$19 below the Montana median	—	—	Source
Check ServicesVerified
Stop Payment (single or series)	$30Within the typical range ($20–$30 nationally)	$2.50 above the national median$5 above the Montana median	—	—	Source
Counter Check	$1
Account ServicesVerified
Notary Service	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median$2.75 above the Montana median	per item	—	Source
Levy	$75
Retirement & IRAVerified
IRA Annual Maintenance Fee	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per year	—	Source
IRA Transfer Fee	$25
Other FeesVerified
Photocopies	$1Below the typical range ($2–$5 nationally)	$2 below the national median$1.31 below the Montana median	per item	—	Source
Statement Copy	$5

Fee change alerts

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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

16 verified fees collected

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

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,682 published fee entries from 3,608 institutions

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