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 Oct 6, 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

Escheat Fee$30Above the typical range ($5–$10 nationally)

Overdraft & NSFVerified

NSF Fee & Courtesy Pay Fee$30Within the typical range ($25–$33 nationally)
At the national median$1 above the Michigan median
per item · Source
Returned Check & Stop Payment Fee$30Within the typical range ($25–$32 nationally)
At the national median$1 above the Michigan median
per item · Source

ATM & CardVerified

Nonproprietary ATM Withdrawal/Transfer Fee$3Above the typical range ($1–$2.25 nationally)
$1.50 above the national median$1.15 above the Michigan median
per transaction · Source
Tandem Machines ATM Fee > 5 Monthly$3Above the typical range ($1–$2.25 nationally)
$1.50 above the national median$1.15 above the Michigan median
per month · Source
Tandem Machines ATM Fee > 5 Monthly$3Above the typical range ($1–$2.25 nationally)
$1.50 above the national median$1.15 above the Michigan median
per month · Source
Replace Lost or Stolen ATM or Debit Cards$20Above the typical range ($5–$10 nationally)
$10 above the national median$12.50 above the Michigan median
Source

Check ServicesVerified

per money order$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Michigan median
per item · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$3 above the Michigan median
per item · Source
Check Cashing Fee for Non-Members$5Within the typical range ($5–$10 nationally)
At the national medianAt the Michigan median
per item · Source
Check Copy Fee$4Within the typical range ($2–$5 nationally)
$1 above the national median$0.50 above the Michigan median
per item · Source

Digital & ElectronicVerified

ACH/EFT Return Charge Fee$30Within the typical range ($15–$30 nationally)
$5 above the national median$5 above the Michigan median
Source
Bill Pay/Pop Money$5Within the typical range ($0–$9.95 nationally)
$2.50 above the national median$2 above the Michigan median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Escheat Fee	$30Above the typical range ($5–$10 nationally)	$25 above the national median$25 above the Michigan median	—	—	Source
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Michigan median	per month	—	Source
Account Reconciliation Fee	$10Below the typical range ($11–$25 nationally)	$7.50 below the national median$8.75 below the Michigan median	—	—	Source
Research Fee	$25Within the typical range ($11–$25 nationally)	$7.50 above the national median$6.25 above the Michigan median	—	—	Source
Overdraft & NSFVerified
NSF Fee & Courtesy Pay Fee	$30Within the typical range ($25–$33 nationally)	At the national median$1 above the Michigan median	per item	—	Source
Returned Check & Stop Payment Fee	$30
ATM & CardVerified
Nonproprietary ATM Withdrawal/Transfer Fee	$3Above the typical range ($1–$2.25 nationally)	$1.50 above the national median$1.15 above the Michigan median	per transaction	—	Source
Tandem Machines ATM Fee > 5 Monthly	$3
Check ServicesVerified
per money order	$2Within the typical range ($1.50–$3 nationally)	At the national medianAt the Michigan median	per item	—	Source
Stop Payment Fee	$30
Digital & ElectronicVerified
ACH/EFT Return Charge Fee	$30Within the typical range ($15–$30 nationally)	$5 above the national median$5 above the Michigan median	—	—	Source
Bill Pay/Pop Money	$5
Account ServicesVerified
Garnishment/Levy's Fee	$40Within the typical range ($30–$90 nationally)	$10 below the national median$10 below the Michigan median	—	—	Source
Other FeesVerified
Statement Copy Fee	$1Below the typical range ($2–$5 nationally)	$2 below the national median$2 below the Michigan median	per item	—	Source

Fee change alerts

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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

18 verified fees collected

Headline fees published

5 of 15

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

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Based on 66,668 published fee entries from 3,619 institutions

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