21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Service 1 Federal Credit Union · $199M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Service 1 Federal Credit Union(this institution) | Muskegon, MI | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Abbey Federal Credit Union | Vandalia, OH | $200M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aim Federal Credit Union | Dubuque, IA | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Awakon Federal Credit Union | Onaway, MI | $203M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Beach Municipal Federal Credit Union | Virginia Beach, VA | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Big Island Federal Credit Union | Hilo, HI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Virginia Federal Credit Union | Lynchburg, VA | $198M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Federal Credit Union | Big Spring, TX | $202M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coloramo Federal Credit Union | Grand Junction, CO | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Downriver Community Federal Credit Union | Ecorse, MI | $193M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Duke University Federal Credit Union | Durham, NC | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Endurance Federal Credit Union | Duncan, OK | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Financial Trust Federal Credit Union | Cheektowaga, NY | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Membersource Federal Credit Union | Houston, TX | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Northeast Community Federal Credit Union | Elizabethton, TN | $194M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| P & G Mehoopany Employees Federal Credit Union | Tunkhannock, PA | $195M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Polish-American Federal Credit Union | Troy, MI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Riverfall Federal Credit Union | Tuscaloosa, AL | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Saco Valley Federal Credit Union | Saco, ME | $196M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Schools Federal Credit Union | Torrance, CA | $196M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sentinel Federal Credit Union | Box Elder, SD | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sky Federal Credit Union | Livingston, MT | $197M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Southwest Montana Community Federal Credit Union | Anaconda, MT | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Spirit Of Alaska Federal Credit Union | Fairbanks, AK | $201M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trunorth Federal Credit Union | Ishpeming, MI | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| White Eagle Federal Credit Union | Augusta, KS | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 9 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 Nov 5, 2026.
Monthly maintenance fee in dollars, one mark per institution
Service 1 Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 5, 2026. Total assets from FDIC and NCUA records.
Amounts from Service 1 Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per statement · Paper Account Statement (per statement; w/regular share acct. only; excludes minors) | $3.00
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Accounts Closed Within 1 Year of Opening | $5 | Not stated | None |
| Dormancy (per month after 1 year with no account activity; exempt if under 18 or aggregate balance over $500) | $10 | per month | None |
| Account Research/Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Account Statement (per statement; w/regular share acct. only; excludes minors) | $3Not compared: Charged per statement; comparison unavailable | per statement | Paper Account Statement (per statement; w/regular share acct. only; excludes minors) | $3.00 |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) Non-Return (per presentment) | $25 | per item | None |
| Overdraft Protection Transfer (per occurrence) | $3 | per item | None |
ATM & Card | |||
| ATM/ITM Inquiries (per instance; FREE at Service 1 FCU & Co-Op Network machines) | $1 | per item | None |
| ATM/ITM Transfers (per instance; FREE at Service 1 FCU & Co-Op Network machines) | $1 | per item | None |
| Card Replacement (debit or credit) | $10 | Not stated | None |
Wire Transfers | |||
| Wire Transfers (outgoing domestic wires only) | $25 | Not stated | None |
| Wire Transfers (incoming) | $5 | Not stated | None |
Check Services | |||
| Money Orders (per item) | $2 | per item | None |
| Stop Payment (per item or consecutive series) | $25 | per item | None |
| Temporary Checks (per sheet of 4) | $2 | per item | None |
| On-Us Check Cashing - Non-members | $10 | Not stated | None |
| Check Copies (up to 6 months available) | No charge | Not stated | None |
| Check Copy (per check) | $5 | per item | None |
Digital & Electronic | |||
| Failed ACH Origination (A2A, RePay) | $15 | Not stated | None |
| Online Bill Payment (unlimited basic services) | No charge | Not stated | None |
| Mobile Check Deposit | No charge | Not stated | None |
Cash & Deposit | |||
| Deposited Check Return (per item) | $15 | per item | None |
Account Services | |||
| Safe Deposit Box Drilling | $225Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key | $30Not compared: Box drilling or key fee | Not stated | None |
| Garnishment, Levy, Subpoena, Escheatment | $50 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer (from Service 1 FCU to another financial institution) | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $4 | Not stated | None |
Other Fees | |||
| Statement Copies (per month) | $5Not compared: Monthly charge, not per item | per month | None |
| Statements, Receipts, and Other Document Copies (up to 18 months available) | No charge | Not stated | None |
Nov 3, 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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