Gerber Federal Credit Union

Headquarters: Fremont, Michigan
Charter: Credit Union
Assets: $259.5M
Fed district: Chicago

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Overdraft (OD)
Gerber Federal Credit Union: $25
Gerber Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Gerber Federal Credit Union: $25
Gerber Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Compared at $1.25, the middle of its prices
Gerber Federal Credit Union: $1 to $1.50
Gerber Federal Credit Union: $1 to $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 Gerber Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Super Checking minimum balance fee for average daily balances less than for the month$3
per month
Membership closing (If closed within 90 days of opening)$5
Account research/reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account research/reconciliation | $25.00 per hour
Undeliverable address$3

Overdraft & NSF

Courtesy Pay$25
per item
Non sufficient funds (NSF)$25
per item

ATM & Card

ATM balance inquiry at foreign ATM (First 2 free each month)$1
ATM withdrawal at foreign ATM (First 5 free each month)$1.50
Plastic card replacement$10
per item

Wire Transfers

Wire transfer - foreign$35
per item

Check Services

Cashier's checks$2
per item
Certified check$2
per item
Money orders$2
per item
Stop payment order$25
per item
Foreign check processing$10
Draft/check copy greater than 1 year old (Free in digital banking)$10
per item
Draft/check copy less than 1 year old (Free in digital banking)$2
per item

Account Services

Safe Deposit Box 10x10$105
Safe Deposit Box 3x10$40
Safe Deposit Box 3x5$27
per year
Safe Deposit Box 5x10$60
Safe deposit box drilling$275
Not compared: Box drilling or key fee
Safe deposit box lost key$30
Not compared: Box drilling or key fee
Garnishment, levy, court order and escheats processing$75

Lending Fees

Credit card late payment$25
Late payment (audience not stated, treated as personal)5%($25 minimum)
Late payment5%($25 minimum)

Gift & Prepaid Cards

Visa gift card$4
per item

Other Fees

Statement copy (Free with e-Statements)$2
Not compared: Charged per statement; comparison unavailable
per statement · Statement copy (Free with e-Statements) | $2.00 per statement
Instant cash loan application$20

Fee	Amount	Basis	Note
Account Maintenance
Super Checking minimum balance fee for average daily balances less than for the month	$3	per month	None
Membership closing (If closed within 90 days of opening)	$5	Not stated	None
Account research/reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	Account research/reconciliation \| $25.00 per hour
Undeliverable address	$3	Not stated	None
Overdraft & NSF
Courtesy Pay	$25	per item	None
Non sufficient funds (NSF)	$25	per item	None
ATM & Card
ATM balance inquiry at foreign ATM (First 2 free each month)	$1	Not stated	None
ATM withdrawal at foreign ATM (First 5 free each month)	$1.50	Not stated	None
Plastic card replacement	$10	per item	None
Wire Transfers
Wire transfer - foreign	$35	per item	None
Check Services
Cashier's checks	$2	per item	None
Certified check	$2	per item	None
Money orders	$2	per item	None
Stop payment order	$25	per item	None
Foreign check processing	$10	Not stated	None
Draft/check copy greater than 1 year old (Free in digital banking)	$10	per item	None
Draft/check copy less than 1 year old (Free in digital banking)	$2	per item	None
Account Services
Safe Deposit Box 10x10	$105	Not stated	None
Safe Deposit Box 3x10	$40	Not stated	None
Safe Deposit Box 3x5	$27	per year	None
Safe Deposit Box 5x10	$60	Not stated	None
Safe deposit box drilling	$275Not compared: Box drilling or key fee	Not stated	None
Safe deposit box lost key	$30Not compared: Box drilling or key fee	Not stated	None
Garnishment, levy, court order and escheats processing	$75	Not stated	None
Lending Fees
Credit card late payment	$25	Not stated	None
Late payment (audience not stated, treated as personal)	5%($25 minimum)	Not stated	None
Late payment	5%($25 minimum)	Not stated	None
Gift & Prepaid Cards
Visa gift card	$4	per item	None
Other Fees
Statement copy (Free with e-Statements)	$2Not compared: Charged per statement; comparison unavailable	per statement	Statement copy (Free with e-Statements) \| $2.00 per statement
Instant cash loan application	$20	Not stated	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

Nov 4, 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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