St. Cloud Financial Federal Credit Union

Headquarters: Sartell, Minnesota
Charter: Credit Union
Assets: $456.4M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Monthly Maintenance
St. Cloud Financial Federal Credit Union: $3.95
St. Cloud Financial Federal Credit Union: $3.95
U.S. median: no median
Overdraft (OD)
St. Cloud Financial Federal Credit Union: $35
St. Cloud Financial Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
St. Cloud Financial Federal Credit Union: $35
St. Cloud Financial Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 St. Cloud Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking Accounts - Reward, Regular, Dividend, Prestige Monthly service charge$3.95
per month

Overdraft & NSF

Courtesy Pay Item$35
Return Item$35

ATM & Card

International Transaction Fee1%of the transaction

Wire Transfers

Wire out$50
Wire Transfers - Within USA: Outgoing$20
Wire Transfers - Within USA: Incoming$10

Check Services

Stop Payment$10

Cash & Deposit

Cash Advance/Convenience Loan Payment Fee$10
Deposit Item Return - Check drawn on the member's account at another institution$35
Deposit Item Return - Check from another party$5

Account Services

Drilled Box$250
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10X10$80
per year
Safe Deposit Box 3X10$30
per year
Safe Deposit Box 5X10$40
per year

Other Fees

Rish Order - 2 day FedEx shippping$35

Fee	Amount	Basis	Note
Account Maintenance
Checking Accounts - Reward, Regular, Dividend, Prestige Monthly service charge	$3.95	per month	None
Overdraft & NSF
Courtesy Pay Item	$35	Not stated	None
Return Item	$35	Not stated	None
ATM & Card
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire out	$50	Not stated	None
Wire Transfers - Within USA: Outgoing	$20	Not stated	None
Wire Transfers - Within USA: Incoming	$10	Not stated	None
Check Services
Stop Payment	$10	Not stated	None
Cash & Deposit
Cash Advance/Convenience Loan Payment Fee	$10	Not stated	None
Deposit Item Return - Check drawn on the member's account at another institution	$35	Not stated	None
Deposit Item Return - Check from another party	$5	Not stated	None
Account Services
Drilled Box	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10X10	$80	per year	None
Safe Deposit Box 3X10	$30	per year	None
Safe Deposit Box 5X10	$40	per year	None
Other Fees
Rish Order - 2 day FedEx shippping	$35	Not stated	None

Correct a fee source

Oct 9, 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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