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.

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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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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.

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