United Federal Credit Union

Headquarters: St Joseph, Michigan
Charter: Credit Union
Assets: $4.4B
Fed district: Chicago

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

Source: its fee schedule, read Oct 12, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
United Federal Credit Union: $25
United Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
United Federal Credit Union: No fee
United Federal Credit Union: No fee
U.S. median: no median
Non-Network ATM
United Federal Credit Union: $2
United Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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 United Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure (audience not stated, treated as personal)$25
Account Inactivity Fee$7
Paper Statement fee$2.50
per item
Paper Statement Fee (per Statement)$2.50
per month
Returned Mail$10

Overdraft & NSF

Courtesy Pay charge$25
per transaction
Courtesy Pay fee$25
per item
Non-Sufficient Funds Items (any type)No charge
Overdraft Protection - Savings or Line of Credit TransferNo charge

ATM & Card

ATM Balance Inquiry$2
Rush Card Order Domestic (audience not stated, treated as personal)$35
Rush Card Order: Domestic$35
International Service Assessment (Debit and Credit)1.5%

Wire Transfers

Outgoing Domestic Wire Transfer$25
Outgoing International Wire Transfer$50

Check Services

Cashier's Check$5
Cashier’s Check Charged when payable to 3rd party (audience not stated, treated as personal)$5
Counter Checks (4 checks per page)$3
Not compared: Charged per page; comparison unavailable
per page
Counter/Temporary Check$3
Not compared: Monthly charge, not per item
per month

Digital & Electronic

ACH or other returned itemsNo charge
International at cost bill pay Expedited Payment - Same Day Payment (audience not stated, treated as personal)$9.95

Cash & Deposit

Returned Deposit Items$15

Account Services

Lock Drilling/ Lost Key$200
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10”x10”$90
per year
Safe Deposit Box 10”x11”$100
per year
Safe Deposit Box 24”x38”$360
per year
Safe Deposit Box 3”x10”$45
per year
Safe Deposit Box 4”x5”$35
per year
Safe Deposit Box 5”x10”$60
per year
Safe Deposit Box 5”x5”$40
per year
Safe Deposit Box Options: 3”x5”$30
per year
Receipt of Tax Levy/Garnishment$100
Subpoena/Search Warrant Response$75
Not compared: Charged per hour; comparison unavailable
per hour
Subpoena/Search Warrant Response (1 hour minimum) (audience not stated, treated as personal)$75
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Visa Late Payment Fee (first occurrence)$29
Loan Modification Fee (non-real estate loans only) (audience not stated, treated as personal)$50

Other Fees

Check or Statement Copies - Staff Assisted$5
Returned Loan Payment Fee$25
Skip-a-Payment$40
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (audience not stated, treated as personal)	$25	Not stated	None
Account Inactivity Fee	$7	Not stated	None
Paper Statement fee	$2.50	per item	None
Paper Statement Fee (per Statement)	$2.50	per month	None
Returned Mail	$10	Not stated	None
Overdraft & NSF
Courtesy Pay charge	$25	per transaction	None
Courtesy Pay fee	$25	per item	None
Non-Sufficient Funds Items (any type)	No charge	Not stated	None
Overdraft Protection - Savings or Line of Credit Transfer	No charge	Not stated	None
ATM & Card
ATM Balance Inquiry	$2	Not stated	None
Rush Card Order Domestic (audience not stated, treated as personal)	$35	Not stated	None
Rush Card Order: Domestic	$35	Not stated	None
International Service Assessment (Debit and Credit)	1.5%	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	Not stated	None
Outgoing International Wire Transfer	$50	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Cashier’s Check Charged when payable to 3rd party (audience not stated, treated as personal)	$5	Not stated	None
Counter Checks (4 checks per page)	$3Not compared: Charged per page; comparison unavailable	per page	None
Counter/Temporary Check	$3Not compared: Monthly charge, not per item	per month	None
Digital & Electronic
ACH or other returned items	No charge	Not stated	None
International at cost bill pay Expedited Payment - Same Day Payment (audience not stated, treated as personal)	$9.95	Not stated	None
Cash & Deposit
Returned Deposit Items	$15	Not stated	None
Account Services
Lock Drilling/ Lost Key	$200Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10”x10”	$90	per year	None
Safe Deposit Box 10”x11”	$100	per year	None
Safe Deposit Box 24”x38”	$360	per year	None
Safe Deposit Box 3”x10”	$45	per year	None
Safe Deposit Box 4”x5”	$35	per year	None
Safe Deposit Box 5”x10”	$60	per year	None
Safe Deposit Box 5”x5”	$40	per year	None
Safe Deposit Box Options: 3”x5”	$30	per year	None
Receipt of Tax Levy/Garnishment	$100	Not stated	None
Subpoena/Search Warrant Response	$75Not compared: Charged per hour; comparison unavailable	per hour	None
Subpoena/Search Warrant Response (1 hour minimum) (audience not stated, treated as personal)	$75Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Visa Late Payment Fee (first occurrence)	$29	Not stated	None
Loan Modification Fee (non-real estate loans only) (audience not stated, treated as personal)	$50	Not stated	None
Other Fees
Check or Statement Copies - Staff Assisted	$5	Not stated	None
Returned Loan Payment Fee	$25	Not stated	None
Skip-a-Payment	$40	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 12, 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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