St Joe Valley Federal Credit Union

Headquarters: St Maries, Idaho
Charter: Credit Union
Assets: $14.0M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 15, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
St Joe Valley Federal Credit Union: $3
St Joe Valley Federal Credit Union: $3
U.S. median: no median
NSF / Returned Item
Compared at $23, the middle of its prices
St Joe Valley Federal Credit Union: $16 to $30
St Joe Valley Federal Credit Union: $16 to $30
U.S. median: no median
Foreign Transaction
St Joe Valley Federal Credit Union: $2
St Joe Valley 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 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Idaho, the San Francisco 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).
Idaho: Banks and credit unions headquartered in Idaho that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 Joe Valley Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$3
per month
1% Early account closing fee$10
Return mail fee$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

NSF phone call fee$16
NSF return fee$30
Auto overdraft from shares Loan Skip Payment fee$28

ATM & Card

Replace lost ATM/Card$8
per item
Visa International transaction fee$2

Wire Transfers

Outgoing wire$30
Incoming wire$10
Foreign wire$50

Check Services

Credit Union Official Checks 1 free per month then$3.50
per item
Stop Payment$5
Stop payment on check/sh draft$25
Non-member check cashing1%($5 minimum, $25 maximum)
Copy of share draft$2

Cash & Deposit

Debit Card Cash Advance Fee$7
NSF return on deposited check$12

Account Services

SHARE DRAFT Notary fee$5
Garnishment/Levy$45
Response to Subpoena$45
Verification of Accounts$4

Gift & Prepaid Cards

VISA GIFT/TRAVEL MONEY CARDS IAT-International ACH fee$5

Other Fees

Statement copy$1
Overdraft paid by Line of Credit$10
Real Estate Loan Application$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$3	per month	None
1% Early account closing fee	$10	Not stated	None
Return mail fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
NSF phone call fee	$16	Not stated	None
NSF return fee	$30	Not stated	None
Auto overdraft from shares Loan Skip Payment fee	$28	Not stated	None
ATM & Card
Replace lost ATM/Card	$8	per item	None
Visa International transaction fee	$2	Not stated	None
Wire Transfers
Outgoing wire	$30	Not stated	None
Incoming wire	$10	Not stated	None
Foreign wire	$50	Not stated	None
Check Services
Credit Union Official Checks 1 free per month then	$3.50	per item	None
Stop Payment	$5	Not stated	None
Stop payment on check/sh draft	$25	Not stated	None
Non-member check cashing	1%($5 minimum, $25 maximum)	Not stated	None
Copy of share draft	$2	Not stated	None
Cash & Deposit
Debit Card Cash Advance Fee	$7	Not stated	None
NSF return on deposited check	$12	Not stated	None
Account Services
SHARE DRAFT Notary fee	$5	Not stated	None
Garnishment/Levy	$45	Not stated	None
Response to Subpoena	$45	Not stated	None
Verification of Accounts	$4	Not stated	None
Gift & Prepaid Cards
VISA GIFT/TRAVEL MONEY CARDS IAT-International ACH fee	$5	Not stated	None
Other Fees
Statement copy	$1	Not stated	None
Overdraft paid by Line of Credit	$10	Not stated	None
Real Estate Loan Application	$35	Not stated	None

Correct a fee source

Oct 15, 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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