vs. U.S. typical range:LowerTypicalHigher
$12.50 below the national median$5 below the Michigan median
$5 above the national median$5 above the Michigan median
per month · Source
$7.50 above the national median$6.25 above the Michigan median
$5 below the national median$4 below the Michigan median
per item · Source
$2 below the national medianAt the Michigan median
per item · Source
$0.50 below the national median$0.85 below the Michigan median
per item · Source
$0.50 below the national median$0.85 below the Michigan median
per item · Source
At the national median$2.50 above the Michigan median
At the national medianAt the Michigan median
$5 below the national medianAt the Michigan median
At the national medianAt the Michigan median
per item · Source
$2.50 below the national median$2 below the Michigan median
per item · Source
At the national medianAt the Michigan median
per item · per sheet of 4 · Institution’s schedule
At the national medianAt the Michigan median
per item · Source
$5 above the national median$5 above the Michigan median
$3 below the national median$3.50 below the Michigan median
$2 above the national median$1.50 above the Michigan median
per item · Source
$5 above the national median$2.50 above the Michigan median
$2.50 below the national median$3 below the Michigan median
At the national medianAt the Michigan median
per item · Source
$180 above the national median$176 above the Michigan median
$15 below the national median$19 below the Michigan median
At the national medianAt the Michigan median
At the national medianAt the Michigan median
$0.50 above the national medianAt the Michigan median
$2 above the national median$2 above the Michigan median
per month · Source
$3 below the national median$3 below the Michigan median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Accounts Closed Within 1 Year of Opening | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$5 below the Michigan median | — | — | Source |
| Dormancy (per month after 1 year with no account activity; exempt if under 18 or aggregate balance over $500) | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the Michigan median | per month | — | Source |
| Account Research/Reconciliation (per hour) | $25Within the typical range ($11–$25 nationally) | $7.50 above the national median$6.25 above the Michigan median | — | — | Source |
Overdraft & NSFVerified | |||||
| Non-Sufficient Funds (NSF) Non-Return (per presentment) | $25Within the typical range ($25–$32 nationally) | $5 below the national median$4 below the Michigan median | per item | — | Source |
| Overdraft Protection Transfer (per occurrence) | $3 | ||||
ATM & CardVerified | |||||
| ATM/ITM Inquiries (per instance; FREE at Service 1 FCU & Co-Op Network machines) | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national median$0.85 below the Michigan median | per item | — | Source |
| ATM/ITM Transfers (per instance; FREE at Service 1 FCU & Co-Op Network machines) | $1 | ||||
Wire TransfersVerified | |||||
| Wire Transfers (outgoing domestic wires only) | $25Within the typical range ($20–$25 nationally) | At the national medianAt the Michigan median | — | — | Source |
| Wire Transfers (incoming) | $5 | ||||
Check ServicesVerified | |||||
| Money Orders (per item) | $2Within the typical range ($1.50–$3 nationally) | At the national medianAt the Michigan median | per item | — | Source |
| Stop Payment (per item or consecutive series) | $25 | ||||
Digital & ElectronicVerified | |||||
| Failed ACH Origination (A2A, RePay) | $15Within the typical range ($5–$20 nationally) | $5 above the national median$2.50 above the Michigan median | — | — | Source |
| Online Bill Payment (unlimited basic services ) | $0 | ||||
Cash & DepositVerified | |||||
| Deposited Check Return (per item) | $15Within the typical range ($8–$25 nationally) | At the national medianAt the Michigan median | per item | — | Source |
Account ServicesVerified | |||||
| Safe Deposit Box Drilling‡ | $225Above the typical range ($30–$70 nationally) | $180 above the national median$176 above the Michigan median | — | — | Source |
| Safe Deposit Box Lost Key‡ | $30 | ||||
Retirement & IRAVerified | |||||
| IRA Transfer (from Service 1 FCU to another financial institution) | $25Within the typical range ($25–$35 nationally) | At the national medianAt the Michigan median | — | — | Source |
Gift & Prepaid CardsVerified | |||||
| Visa Gift Cards | $4Within the typical range ($3–$4.95 nationally) | $0.50 above the national medianAt the Michigan median | — | — | Source |
Other FeesVerified | |||||
| Statement Copies (per month) | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Michigan median | per month | — | Source |
| Statements, Receipts, and Other Document Copies (up to 18 months available) | $0 | ||||
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Headline fees published
8 of 15
Published fees
27
Under review
0
Assets
$198.5M
Work at Service 1 Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$198.5M
Total deposits
$160.8M
Service charge income (year to date)
$1.1M
Fee income ratio
14.4%
Return on assets
1.58%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $2 below the national medianAt the Michigan median |
| per item |
| — |
| Source |
| $0.50 below the national median$0.85 below the Michigan median |
| per item |
| — |
| Source |
| Card Replacement (debit or credit) | $10Within the typical range ($5–$10 nationally) | At the national median$2.50 above the Michigan median | — | — | Source |
| $5 below the national medianAt the Michigan median |
| — |
| — |
| Source |
| $2.50 below the national median$2 below the Michigan median |
| per item |
| — |
| Source |
| Temporary Checks | $2Within the typical range ($1–$4 nationally) | At the national medianAt the Michigan median | per item | per sheet of 4 | Institution’s schedule |
| Temporary Checks (per sheet of 4) | $2Within the typical range ($1–$4 nationally) | At the national medianAt the Michigan median | per item | — | Source |
| On-Us Check Cashing - Non-members | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the Michigan median | — | — | Source |
| Check Copies (up to 6 months available) | $0Below the typical range ($2–$5 nationally) | $3 below the national median$3.50 below the Michigan median | — | — | Source |
| Check Copy (per check) | $5Within the typical range ($2–$5 nationally) | $2 above the national median$1.50 above the Michigan median | per item | — | Source |
| $2.50 below the national median$3 below the Michigan median |
| — |
| — |
| Source |
| $15 below the national median$19 below the Michigan median |
| — |
| — |
| Source |
| Garnishment, Levy, Subpoena, Escheatment | $50Within the typical range ($30–$90 nationally) | At the national medianAt the Michigan median | — | — | Source |
| $3 below the national median$3 below the Michigan median |
| — |
| — |
| Source |