Lower and fewer fees than the banks and even other credit unions.

Fee Schedule (effective 1-11-2021)

Fee type


Account reconciliation fee:
(One half hour minimum)                              

 $10 per half hour               

ATM withdrawal transaction charge fee:            
  - Savings: first four (4) free
  - Simple Checking: first six (6) free
  - Select Checking: unlimited withdrawals
 $2 each
 Check cashing fee (non-member, On-Us check)$10 per check
 Check cashing fee (member with < $250 balance, over 18, share account only) $5 if check is < $250
$10 if check is > $250
 Debit card/ATM card replacement fee (non-renewal)$10 - 1st replacement card
$15 - 2nd replacement card
$20 - 3rd + relacement card
 Debit card/ATM card replacement PIN fee$5
 Debit/ATM NSF fee$29 
Dormant/inactive account fee (24 months < $200)$5 per month of inactivity
 Draft (check) copy/photocopy request fee$5 per check copy 
 Fax fee$2
 Foreign check/item deposit (holds may apply) fee$10 per item
 Garnishment or levy fee$15 
 Gift card processing fee$5 
 Loan late fee$20 consumer loan
$20 or 5% (max $35) - real estate loan
 Loan item fees:
- Duplicate lien release
- Non-real estate loan modification
- Real estate loan modification
- Subordination agreement

Money Market withdrawal fee:
(after first six withdrawals per month)
$15 each
Money order fee$2 each 
Medallion seal/stamp fee free for members 
Notary fee free for members
$3 for non-members 
NSF/overdraft fee $29 per item
Overnight courier fee (other charges may apply)


Real estate loan processing fee$50 
Reassignment of account fee $25 
Returned mail/statement fee:
- with a forwarding notice from the post office
- without forwarding information from the post office 

Returned item fee - deposit $5 per item 
Returned item fee - deposit (from an account in your name) $29 per item 
Select Checking minimum balance fee
($5,000 or more in deposits/loans. Excludes IRAs and Visa) 

$8 per month  
Share draft (check) printing fee prices vary depending on style/quantity 
Special handling inclearing/exeption clearing fee$10 per item
Statement copy fees:
- Member print official statement from online banking
- Print from CD
- Teller print out 

$5 per month
$2 per month 

Stop payment fee (both check and ACH) 

$29 per item (must sign declaration) 

Teller check fees:
- From phone banking (made out to self)
- Payable to self (< $300)
- Payable to self (> $299)
- Payable to third party
- Photocopies of check



Wire transfer fees:
- Incoming
- Outgoing
- Foreign
- Outgoing domestic wire cut-off time is 3:30 pm
- Outgoing foreign wire cut-off time is 10:30 am 



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3625 Talmage Circle, Suite 102
Vadnais Heights, MN 55110

Phone: (651) 426-3773  |  Fax: (651) 426-0832  |  Toll-Free: 1-800-543-0935

NMLS ID#409685  |  Routing# 296076275