Consumer Fee Schedule

Effective Date: October 1, 2026

Credit Union Membership	Details
Membership Share	$5 per value
Closing Account (within 90 days of account opening)	$25
Account Reopening (within 90 days of account opening)	$25

Personal Checking Account Fees	Details
NSF Fee	$27 per item
Courtesy Pay Fee (Max 4 per day $of $108)	$27 per item
Check Stop Payment	$35 per occurance
Starter Checks	$5 per sheet
Check Copy	$5 per copy
ACH Stop Payment	$35 per occurrence
ACH Same Day Transfer	$25 per transfer
Check Printing	Varies by style
Return Cleared Checks with Monthly Statement (Service not available to new accounts)	$10 per month

Other Service Fees (Applicable to All Accounts)	Details
Notary	$10 for non member
MY CREDIT UNION Medallion Signature Guarantee	Member only, no charge
Check Cashing*	$10 per check
Statement Copy	$5 per copy
Current Transaction Printout	$1 per copy
IRA Account Service Fee**	$15 annually
Account Reconciliation	$40 per hour
Account Research	$40 per hour
Items Sent for Collection	$15 per item
Legal Process (Levy, Garnishment, or Summons)	$100 per item
Line of Credit Advance Fee (If system advances)	$2 per advance
Dormant Fee (For member 21 or older, non active account for 12 months or longer, and combined balances is less than $500.)	$10 per month
IRA Transfer Fee (Only if closing and funds are going to another Financial Institution)	$25 per transfer
On-Us Check Cashing	$10 for non member
Returned Checks - Deposited	$5
Returned Checks - From Self Deposited	$27
Cashier Check	$5 per check, 1 free per day with aggregate balances over 10k
Copy of Lien Release	$10 per request
Returned Mail	$10 per occurrence
Coin Counting	15% for non member

*For members 21 or older, non active checking account, and if combined balance is less than $500.00.
**If combined IRA balances are less than $100.00. Fee assessed 12/15 of current year.

Wire Fees	Cost
Wire In Transfer (Domestic)	$5 per transfer
Wire In Transfer (International)	$5 per transfer
Wire Out Transfer (Domestic)	$30 per transfer
Wire Out Transfer (International)	$100 per transfer
Wire Out Proof of Payment	$25 per transfer
Wire Cancellation (Domestic)	$2 per cancel
Wire Cancellation (International)	$59 per cancel

 

MY CREDIT UNION Debit & ATM Fees	Cost
Monthly Fee	None
ATM Withdrawals at MY CREDIT UNION Owned Machines	None
ATM Withdrawals at Non-MY CREDIT UNION Owned Machines*	$2 per transaction
ATM/Debit International Transactions	1% of transaction total
Debit Card Overdraft	$14 per item
Debit Card Replacement Fee	$10 per card
Rushed Card Fee	$30 per card

*There may be an additional surcharge on your transaction from the ATM owner.

SAFE DEPOSIT BOX FEE SCHEDULE (Annual Rental Rate)	Cost
3” x 5” *	$25
5” x 5”	$40
3” x 10”	$50
5” x 10”	$80
6" x 10" *	$90
10” x 10”	$120
Late Payment	$8 per month
Loss of One Key	$25
Loss of Both Keys/Drilling of Box	At cost

*Listed box size not available at both locations, speak to a MY CREDIT UNION Member Service Representative for more details.

Safe Deposit Box Hours

You may access your safe deposit box during normal hours of operation. Refer to the 'Locations' tab for specific branch hours.

Safe deposit box rentals are available at the Richfield and Lyndale Ave branch offices only.

Fees and service charges are subject to change. The fees appearing on this Schedule are accurate and effective for deposit accounts as of the Effective Date indicated on this Fee Schedule. If you have questions or require current rate or fee information on your accounts, please call the Credit Union at 612.798.7100 or 800.967.MY CREDIT UNION (7228).