Madison County Federal Credit Union

Headquarters: Anderson, Indiana
Charter: Credit Union
Assets: $114.0M
Fed district: Chicago

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

Source: its fee schedule, read Nov 1, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Madison County Federal Credit Union: $30
Madison County Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Madison County Federal Credit Union: $30
Madison County Federal Credit Union: $30
U.S. median: no median
Stop Payment
Madison County Federal Credit Union: $30
Madison County Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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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Among its peers

Madison County Federal Credit Union · $114M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$111M to $117M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Madison County Federal Credit Union(this institution)	Anderson, IN	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chiphone Federal Credit Union	Elkhart, IN	$112M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cleveland Selfreliance Federal Credit Union	Parma, OH	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Credit Union of The Rockies	Golden, CO	$113M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Deepwater Industries Federal Credit Union	Deepwater, NJ	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Desert Rivers Federal Credit Union	Moab, UT	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Explorers Federal Credit Union	Yankton, SD	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ibew & United Workers Federal Credit Union	Portland, OR	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
L G & W Federal Credit Union	Memphis, TN	$115M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
La Loma Federal Credit Union	Loma Linda, CA	$117M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mercer County Community Federal Credit Union	Hermitage, PA	$115M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metrum Community Federal Credit Union	Centennial, CO	$112M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mobile Educators Federal Credit Union	Mobile, AL	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Alliance Federal Credit Union	Ambridge, PA	$113M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Star Federal Credit Union	Cook, MN	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northridge Community Federal Credit Union	Virginia, MN	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
One Credit Union of Ny	Cheektowaga, NY	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Advantage Federal Credit Union	Petersburg, VA	$115M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Riverview Federal Credit Union	Belpre, OH	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sound Federal Credit Union	Norwalk, CT	$116M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southern Lakes Federal Credit Union	Kenosha, WI	$113M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southwest 66 Federal Credit Union	Odessa, TX	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Total Community Federal Credit Union	Taylor, MI	$111M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trunorthern Federal Credit Union	Malone, NY	$112M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
White Rose Federal Credit Union	York, PA	$115M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Wichita Falls Teachers Federal Credit Union	Wichita Falls, TX	$116M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(out-of-network atm)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Madison County Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Madison County Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Madison County Federal Cr…Peer (equal prices stack)Peer medianInclude 4 outliers ($0, $0.75, $2, $2)Shown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Madison County Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (per mo.)$15
per month
Reconciliation/Research (per hr.)$40
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail (per envelope)$5

Overdraft & NSF

Courtesy Pay$30
ACH NSF$30
ATM NSF$30
Checking/Draft NSF$30
per item
Returned Check (audience not stated, treated as personal)$30

ATM & Card

Replacement Card$20

Check Services

Cashier’s Check (ea.)$5
Money Order (ea.)$5
Stop Payment$30
Counter Check (ea.)$0.25
Non-Member Check Cashing$5
Regular Share Only Check Cashing (per ck.) (audience not stated, treated as personal)$3
Collection Item$15
Draft/Check Copy$5
per item

Account Services

Levy/Garnishment$75
Verification of Deposit$25

Lending Fees

Loan Late Payment$30

Other Fees

Statement Copy (per stmt.)$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (per mo.)	$15	per month	None
Reconciliation/Research (per hr.)	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail (per envelope)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
ACH NSF	$30	Not stated	None
ATM NSF	$30	Not stated	None
Checking/Draft NSF	$30	per item	None
Returned Check (audience not stated, treated as personal)	$30	Not stated	None
ATM & Card
Replacement Card	$20	Not stated	None
Check Services
Cashier’s Check (ea.)	$5	Not stated	None
Money Order (ea.)	$5	Not stated	None
Stop Payment	$30	Not stated	None
Counter Check (ea.)	$0.25	Not stated	None
Non-Member Check Cashing	$5	Not stated	None
Regular Share Only Check Cashing (per ck.) (audience not stated, treated as personal)	$3	Not stated	None
Collection Item	$15	Not stated	None
Draft/Check Copy	$5	per item	None
Account Services
Levy/Garnishment	$75	Not stated	None
Verification of Deposit	$25	Not stated	None
Lending Fees
Loan Late Payment	$30	Not stated	None
Other Fees
Statement Copy (per stmt.)	$3	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 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.

Fee change alerts

Get an email when Madison County Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Madison County Federal Credit Union: $30
Madison County Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Madison County Federal Credit Union: $30
Madison County Federal Credit Union: $30
U.S. median: no median
Stop Payment
Madison County Federal Credit Union: $30
Madison County Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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.

Among its peers

Madison County Federal Credit Union · $114M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$111M to $117M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Madison County Federal Credit Union(this institution)	Anderson, IN	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chiphone Federal Credit Union	Elkhart, IN	$112M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cleveland Selfreliance Federal Credit Union	Parma, OH	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Credit Union of The Rockies	Golden, CO	$113M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Deepwater Industries Federal Credit Union	Deepwater, NJ	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Desert Rivers Federal Credit Union	Moab, UT	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Explorers Federal Credit Union	Yankton, SD	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ibew & United Workers Federal Credit Union	Portland, OR	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
L G & W Federal Credit Union	Memphis, TN	$115M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
La Loma Federal Credit Union	Loma Linda, CA	$117M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mercer County Community Federal Credit Union	Hermitage, PA	$115M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metrum Community Federal Credit Union	Centennial, CO	$112M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mobile Educators Federal Credit Union	Mobile, AL	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Alliance Federal Credit Union	Ambridge, PA	$113M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Star Federal Credit Union	Cook, MN	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northridge Community Federal Credit Union	Virginia, MN	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
One Credit Union of Ny	Cheektowaga, NY	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Advantage Federal Credit Union	Petersburg, VA	$115M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Riverview Federal Credit Union	Belpre, OH	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sound Federal Credit Union	Norwalk, CT	$116M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southern Lakes Federal Credit Union	Kenosha, WI	$113M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southwest 66 Federal Credit Union	Odessa, TX	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Total Community Federal Credit Union	Taylor, MI	$111M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trunorthern Federal Credit Union	Malone, NY	$112M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
White Rose Federal Credit Union	York, PA	$115M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Wichita Falls Teachers Federal Credit Union	Wichita Falls, TX	$116M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(out-of-network atm)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Madison County Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Madison County Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Madison County Federal Cr…Peer (equal prices stack)Peer medianInclude 4 outliers ($0, $0.75, $2, $2)Shown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Madison County Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (per mo.)$15
per month
Reconciliation/Research (per hr.)$40
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail (per envelope)$5

Overdraft & NSF

Courtesy Pay$30
ACH NSF$30
ATM NSF$30
Checking/Draft NSF$30
per item
Returned Check (audience not stated, treated as personal)$30

ATM & Card

Replacement Card$20

Check Services

Cashier’s Check (ea.)$5
Money Order (ea.)$5
Stop Payment$30
Counter Check (ea.)$0.25
Non-Member Check Cashing$5
Regular Share Only Check Cashing (per ck.) (audience not stated, treated as personal)$3
Collection Item$15
Draft/Check Copy$5
per item

Account Services

Levy/Garnishment$75
Verification of Deposit$25

Lending Fees

Loan Late Payment$30

Other Fees

Statement Copy (per stmt.)$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (per mo.)	$15	per month	None
Reconciliation/Research (per hr.)	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail (per envelope)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
ACH NSF	$30	Not stated	None
ATM NSF	$30	Not stated	None
Checking/Draft NSF	$30	per item	None
Returned Check (audience not stated, treated as personal)	$30	Not stated	None
ATM & Card
Replacement Card	$20	Not stated	None
Check Services
Cashier’s Check (ea.)	$5	Not stated	None
Money Order (ea.)	$5	Not stated	None
Stop Payment	$30	Not stated	None
Counter Check (ea.)	$0.25	Not stated	None
Non-Member Check Cashing	$5	Not stated	None
Regular Share Only Check Cashing (per ck.) (audience not stated, treated as personal)	$3	Not stated	None
Collection Item	$15	Not stated	None
Draft/Check Copy	$5	per item	None
Account Services
Levy/Garnishment	$75	Not stated	None
Verification of Deposit	$25	Not stated	None
Lending Fees
Loan Late Payment	$30	Not stated	None
Other Fees
Statement Copy (per stmt.)	$3	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 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.