Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

St. Francis X Federal Credit Union

Petoskey, MichiganCredit UnionChicago Fed districtFees collected Aug 23, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

charge for each one-time debit overdraft$5Below the typical range ($7.50–$35 nationally)

Knox deterministic extraction from Rosetta artifact #11. canonical_hint=overdraft; text_hash=1d7e6da49b9197ea1454387bb6c356eb3d42565e78ec982ab7afa6180765bb64; excerpt="$5.00 charge for each one-time debit overdraft" · Source

Nonsufficient funds fee of$26

$1 above the national median

Knox deterministic extraction from Rosetta artifact #11. canonical_hint=nsf; text_hash=1d7e6da49b9197ea1454387bb6c356eb3d42565e78ec982ab7afa6180765bb64; excerpt="Nonsufficient funds fee of $26.00" · Source

ATM & CardVerified

charge for ATM withdrawals at machines we do not own (nonproprietary) after 4 per month$1Below the typical range ($2–$35 nationally)
$9 below the national median
per month · Knox deterministic extraction from Rosetta artifact #11. canonical_hint=atm_non_network; text_hash=1d7e6da49b9197ea1454387bb6c356eb3d42565e78ec982ab7afa6180765bb64; excerpt="$1.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after 4 per month" · Source
Replacement card fee of$10Within the typical range ($5–$19.38 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #11. canonical_hint=card_replacement; text_hash=1d7e6da49b9197ea1454387bb6c356eb3d42565e78ec982ab7afa6180765bb64; excerpt="Replacement card fee of $10.00 per card" · Source
You may withdraw up to a maximum of$520Above the typical range ($2–$35 nationally)
$510 above the national median
Knox deterministic extraction from Rosetta artifact #11. canonical_hint=atm_non_network; text_hash=1d7e6da49b9197ea1454387bb6c356eb3d42565e78ec982ab7afa6180765bb64; excerpt="You may withdraw up to a maximum of $520.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
charge for each one-time debit overdraft	$5Below the typical range ($7.50–$35 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #11. canonical_hint=overdraft; text_hash=1d7e6da49b9197ea1454387bb6c356eb3d42565e78ec982ab7afa6180765bb64; excerpt="$5.00 charge for each one-time debit overdraft"	Source
Nonsufficient funds fee of	$26Within the typical range ($10–$30 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #11. canonical_hint=nsf; text_hash=1d7e6da49b9197ea1454387bb6c356eb3d42565e78ec982ab7afa6180765bb64; excerpt="Nonsufficient funds fee of $26.00"	Source
ATM & CardVerified
charge for ATM withdrawals at machines we do not own (nonproprietary) after 4 per month	$1Below the typical range ($2–$35 nationally)	$9 below the national median	per month	Knox deterministic extraction from Rosetta artifact #11. canonical_hint=atm_non_network; text_hash=1d7e6da49b9197ea1454387bb6c356eb3d42565e78ec982ab7afa6180765bb64; excerpt="$1.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after 4 per month"	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

Overdraft fee: $5

80% below the national median overdraft fee

Total fees: 5 — leaner than most institutions

Verified fees

Under review

Assets

$268.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$268.8M

Total deposits

$231.2M

Service charge income (year to date)

$235K

Fee income ratio

3.5%

Return on assets

1.28%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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