Michigan Columbus Federal Credit Union

Headquarters: Livonia, Michigan
Charter: Credit Union
Assets: $75.0M
Fed district: Chicago

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Michigan Columbus Federal Credit Union: No fee
Michigan Columbus Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Michigan Columbus Federal Credit Union: $30
Michigan Columbus Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Michigan Columbus Federal Credit Union: $32
Michigan Columbus Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

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.

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).
Michigan: Banks and credit unions headquartered in Michigan 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 Michigan Columbus Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly MaintenanceNo charge
per month
Dormant Account (after 1 year)/monthly$6
per month
Mailed Statement$5
Invalid Address (after 60 days)$5

Overdraft & NSF

Courtesy Pay (Per Item)$30
per item
Non-Sufficient Funds (NSF)$32

ATM & Card

Out of Network ATM Transaction$3.50
Not compared: Annual charge, not per item
per year

Wire Transfers

Domestic Outgoing Wire$30

Check Services

Cashier Check$5
per item
Stop Payment (ACH/Check)$35
per item
Starter Checks or Temporary (4 checks)$5
Non-Member Check Cashing$5
Copies of checks, statements$3

Cash & Deposit

Coin Processing$5
Deposited Item Returned$25

Account Services

Garnishment or Levy$75

Retirement & IRA

IRA Annual Fee$50
per year

Vehicle & Title

Paper Title Lien Verification$16

Gift & Prepaid Cards

Gift Card$5

Other Fees

Loan Modification$75
Skip-A-Pay (2 per year)$35
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	No charge	per month	None
Dormant Account (after 1 year)/monthly	$6	per month	None
Mailed Statement	$5	Not stated	None
Invalid Address (after 60 days)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (Per Item)	$30	per item	None
Non-Sufficient Funds (NSF)	$32	Not stated	None
ATM & Card
Out of Network ATM Transaction	$3.50Not compared: Annual charge, not per item	per year	None
Wire Transfers
Domestic Outgoing Wire	$30	Not stated	None
Check Services
Cashier Check	$5	per item	None
Stop Payment (ACH/Check)	$35	per item	None
Starter Checks or Temporary (4 checks)	$5	Not stated	None
Non-Member Check Cashing	$5	Not stated	None
Copies of checks, statements	$3	Not stated	None
Cash & Deposit
Coin Processing	$5	Not stated	None
Deposited Item Returned	$25	Not stated	None
Account Services
Garnishment or Levy	$75	Not stated	None
Retirement & IRA
IRA Annual Fee	$50	per year	None
Vehicle & Title
Paper Title Lien Verification	$16	Not stated	None
Gift & Prepaid Cards
Gift Card	$5	Not stated	None
Other Fees
Loan Modification	$75	Not stated	None
Skip-A-Pay (2 per year)	$35Not compared: Annual charge, not per item	per year	None

Correct a fee source

Oct 6, 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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