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, $1B to $10B

United Federal Credit Union

St Joseph, MichiganCredit UnionChicago Fed districtFees collected Oct 4, 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

/month if none of the above criteria are met. | Paper Statement Fee (per Statement)$2.50Within the typical range ($2–$4 nationally)

Account Inactivity Fee$7

$2 above the national median

Knox extract.rules v16 categorized a line held for review from Rosetta artifact #4647. canonical_hint=dormant_account; text_hash=15b01154292399b134853dbe97a86ff320bd3919f7c2c334c41d36e3cee07b21; excerpt="Account Inactivity Fee | $7.00" · Source

Paper Statement Fee (per Statement)$2.50

$0.50 below the national median

Source

Returned Mail$10

$15 below the national median

Source

services Account Closing (within first 90 days) Does not apply to Youth Savings accounts$25

$10 above the national median

Source

Overdraft & NSFVerified

Courtesy Pay Fee$25Within the typical range ($25–$32 nationally)
$5 below the national median
Source

Wire TransfersVerified

Outgoing Domestic Wire Transfer$25Within the typical range ($20–$25 nationally)
At the national median
Source
Outgoing International Wire Transfer$50Within the typical range ($40–$50 nationally)
At the national median
Source

Check ServicesVerified

/month if none of the above criteria are met. | Counter Checks (4 checks per page) | per page$3Within the typical range ($1–$4 nationally)
$1 above the national median
per month · Source
Cashier’s Check Charged when payable to 3rd party$5Within the typical range ($3–$6 nationally)
At the national median
Source
Counter Checks (4 checks per page)$3Within the typical range ($1–$4 nationally)
$1 above the national median
Source

Digital & ElectronicVerified

ACH or other returned items$0Below the typical range ($16.50–$30 nationally)
$25 below the national median
Source
International at cost bill pay Expedited Payment - Same Day Payment$9.95Within the typical range ($0–$10 nationally)
$5 above the national median
Source

Cash & DepositVerified

Returned Deposit Items$15Within the typical range ($10–$25 nationally)
At the national median
per year · Source

Account ServicesVerified

/month if none of the above criteria are met. | Lock Drilling/ Lost Key$200Above the typical range ($30–$70 nationally)
$155 above the national median
per month · Source
10”x10”$90Above the typical range ($30–$70 nationally)
$45 above the national median
per year · Source
10”x11”$100Above the typical range ($30–$70 nationally)
$55 above the national median
per year · Source
24”x38”$360Above the typical range ($30–$70 nationally)
$315 above the national median
per year · Source
3”x10”$45Within the typical range ($30–$70 nationally)
At the national median
per year · Source
4”x5”$35Within the typical range ($30–$70 nationally)
$10 below the national median
per year · Source
5”x10”$60Within the typical range ($30–$70 nationally)
$15 above the national median
per year · Source
5”x5”$40Within the typical range ($30–$70 nationally)
$5 below the national median
per year · Source
Receipt of Tax Levy/Garnishment$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source
Subpoena/Search Warrant Response (1 hour minimum)$75Within the typical range ($50–$150 nationally)
$25 below the national median
Source

Lending FeesVerified

Loan Modification Fee (non-real estate loans only)$50Within the typical range ($25–$75 nationally)
$15 above the national median
Source
Skip-a-Payment$40Above the typical range ($15–$25 nationally)
$18 above the national median
Source

Other FeesVerified

Check or Statement Copies - Staff Assisted$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
/month if none of the above criteria are met. \| Paper Statement Fee (per Statement)	$2.50Within the typical range ($2–$4 nationally)	$0.50 below the national median	per month	—	Source
Account Inactivity Fee	$7Within the typical range ($5–$10 nationally)	$2 above the national median	—	Knox extract.rules v16 categorized a line held for review from Rosetta artifact #4647. canonical_hint=dormant_account; text_hash=15b01154292399b134853dbe97a86ff320bd3919f7c2c334c41d36e3cee07b21; excerpt="Account Inactivity Fee \| $7.00"	Source
Paper Statement Fee (per Statement)	$2.50Within the typical range ($2–$4 nationally)	$0.50 below the national median	—	—	Source
Returned Mail	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
services Account Closing (within first 90 days) Does not apply to Youth Savings accounts	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$25Within the typical range ($25–$32 nationally)	$5 below the national median	—	—	Source
Wire TransfersVerified
Outgoing Domestic Wire Transfer	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Outgoing International Wire Transfer	$50
Check ServicesVerified
/month if none of the above criteria are met. \| Counter Checks (4 checks per page) \| per page	$3Within the typical range ($1–$4 nationally)	$1 above the national median	per month	—	Source
Cashier’s Check Charged when payable to 3rd party	$5
Digital & ElectronicVerified
ACH or other returned items	$0Below the typical range ($16.50–$30 nationally)	$25 below the national median	—	—	Source
International at cost bill pay Expedited Payment - Same Day Payment	$9.95
Cash & DepositVerified
Returned Deposit Items	$15Within the typical range ($10–$25 nationally)	At the national median	per year	—	Source
Account ServicesVerified
/month if none of the above criteria are met. \| Lock Drilling/ Lost Key	$200Above the typical range ($30–$70 nationally)	$155 above the national median	per month	—	Source
10”x10”	$90
Lending FeesVerified
Loan Modification Fee (non-real estate loans only)	$50Within the typical range ($25–$75 nationally)	$15 above the national median	—	—	Source
Skip-a-Payment	$40
Other FeesVerified
Check or Statement Copies - Staff Assisted	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	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

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 27

Headline fees published

6 of 15

Published fees

Under review

Assets

$4.4B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$4.4B

Total deposits

$3.7B

Service charge income (year to date)

$7.8M

Fee income ratio

5.4%

Return on assets

1.50%

Financial profile · Pro

Performance from regulator filings

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