Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Tandem Federal Credit Union

Warren, MichiganCredit UnionChicago Fed districtFees collected Apr 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation Fee$10Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=account_research; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Account Reconciliation Fee / $10.00 per hour" · Source

Escheat Fee$30

$25 above the national median

Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=dormant_account; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Escheat Fee / $30.00" · Source

Inactive Account Fee$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=dormant_account; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Inactive Account Fee / $5.00 per month (after one(1) year and account under $100.00)" · Source

Research Fee$25

At the national median

Overdraft & NSFVerified

NSF Fee & Courtesy Pay Fee$30Within the typical range ($25–$30 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=overdraft; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="NSF Fee & Courtesy Pay Fee / $30.00 per item" · Source
Returned Check & Stop Payment Fee$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=nsf; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Returned Check & Stop Payment Fee / $30.00 per item" · Source

ATM & CardVerified

Nonproprietary ATM Withdrawal/Transfer Fee$3Above the typical range ($1–$2.50 nationally)
$1.50 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=atm_non_network; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Nonproprietary ATM Withdrawal/Transfer Fee / $3.00 per transaction" · Source
Replace Lost or Stolen ATM or Debit Cards$20Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=card_replacement; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Replace Lost or Stolen ATM or Debit Cards / $20.00" · Source
Tandem Machines ATM Fee > 5 Monthly$3Above the typical range ($1–$2.50 nationally)
$1.50 above the national median
per month · Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=atm_non_network; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Tandem Machines ATM Fee > 5 Monthly / $3.00 (Members 5 Free Transactions a month)" · Source

Check ServicesVerified

Check Cashing Fee for Non-Members$5Within the typical range ($5–$10 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=check_cashing; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Check Cashing Fee for Non-Members / $5.00 per check" · Source
Check Copy Fee$4Within the typical range ($2–$5 nationally)
$1 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=check_image; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Check Copy Fee / $4.00 per item" · Source
per money order$2Within the typical range ($2–$3.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=money_order; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="$2.00 per money order" · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=stop_payment; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Returned Check & Stop Payment Fee / $30.00 per item" · Source

Digital & ElectronicVerified

ACH/EFT Return Charge Fee$30Within the typical range ($15–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=ach_return; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="ACH/EFT Return Charge Fee / $30.00" · Source
Bill Pay/Pop Money$5Within the typical range ($0–$10.73 nationally)
$0.05 above the national median
per month · Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=bill_pay; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Bill Pay/Pop Money / $5.00 (Fee waived after first use each month)" · Source

Account ServicesVerified

Garnishment/Levy's Fee$40Within the typical range ($30–$75 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=garnishment_levy; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Garnishment/Levy's Fee / $40.00" · Source

Other FeesVerified

Statement Copy Fee$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=document_reproduction; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Statement Copy Fee / $1.00 per page" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation Fee	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=account_research; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Account Reconciliation Fee / $10.00 per hour"	Source
Escheat Fee	$30Above the typical range ($5–$10 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=dormant_account; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Escheat Fee / $30.00"	Source
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=dormant_account; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Inactive Account Fee / $5.00 per month (after one(1) year and account under $100.00)"	Source
Research Fee	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=account_research; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Research Fee / $25.00 per hour"	Source
Overdraft & NSFVerified
NSF Fee & Courtesy Pay Fee	$30Within the typical range ($25–$30 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=overdraft; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="NSF Fee & Courtesy Pay Fee / $30.00 per item"	Source
Returned Check & Stop Payment Fee
ATM & CardVerified
Nonproprietary ATM Withdrawal/Transfer Fee	$3Above the typical range ($1–$2.50 nationally)	$1.50 above the national median	per transaction	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=atm_non_network; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Nonproprietary ATM Withdrawal/Transfer Fee / $3.00 per transaction"	Source
Replace Lost or Stolen ATM or Debit Cards
Check ServicesVerified
Check Cashing Fee for Non-Members	$5Within the typical range ($5–$10 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=check_cashing; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Check Cashing Fee for Non-Members / $5.00 per check"	Source
Check Copy Fee
Digital & ElectronicVerified
ACH/EFT Return Charge Fee	$30Within the typical range ($15–$30 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=ach_return; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="ACH/EFT Return Charge Fee / $30.00"	Source
Bill Pay/Pop Money
Account ServicesVerified
Garnishment/Levy's Fee	$40Within the typical range ($30–$75 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=garnishment_levy; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Garnishment/Levy's Fee / $40.00"	Source
Other FeesVerified
Statement Copy Fee	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #2001. canonical_hint=document_reproduction; text_hash=a2de7d7cb9ff5f2575462c34fd28f0c4e748d84e03807be4ff11981835c47a05; excerpt="Statement Copy Fee / $1.00 per page"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 17 — leaner than most institutions

Published fees

Under review

Assets

$22.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$22.3M

Total deposits

$18.8M

Service charge income (year to date)

$108K

Fee income ratio

19.4%

Return on assets

0.15%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 25,624 verified fees from 2,223 institutions

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